vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-31 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
BMO Harris issued me a new chip debit card to replace my old chip debit card as part of a rollout. When I called to activate the new card, I was told by the representative I could destroy my old card. After destroying my old card, the representative stated for some reason a pin was not attached to my new card and they would have to mail one out. This was on Friday, XXXX XXXX at XXXX am. I was guarantee by the manager I spoke with that it would be in Friday 's mail and I should receive it in 2-3 business days. I was informed without the pin, my card would not be useable but if I wanted to go to a branch during their business hours I could withdraw money from a teller. On Wednesday, XXXX XXXX, I called BMO Harris again after not having received my new PIN number. I was hung up on by XXXX and then told by XXXX that my old pin should be valid, I just need to go to a branch to check. I informed XXXX of the phone call I had with the manager on Friday and that my work schedule does n't allow me to go to a branch during business hours. I asked if there were any offices open later and was told no. I have been without access to my paycheck and using credit cards because of BMO Harris ' XXXX up and they do not want to address or fix the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
On XX/XX/2014, a finance adviser at XXXX XXXX XXXX confirmed an approved vehicle loan application with Fifth Third Bank in my name. That day at the dealership, I was given a Fifth Third Bank Note to sign and I was able to leave with vehicle. Waiting for Fifth Third monthly payment statements. I received a demanding letter for payment from a different bank XXXX. I was suspicions that this was fraud and a scam, because listed on my vehicle title as a lien-holder was only Fifth Third Bank and the finance adviser at XXXX XXXX never mentioned XXXX. I sent notices to both banks demanding for answers. For months, I was unsuccessful in finding clarification. Without a court order or notices my car was illegally repossessed by XXXX. On XX/XX/2014, a letter sent by a Fifth Third Bank specialist, XXXX XXXX stated that my loan application was declined on XX/XX/2014, and the bank routed my declined application to Santander for approval. I did not authorize this transaction and I was denied the right to declined XXXX 's loan offer. XXXX have illegally repossessed vehicle before and there is a case against them that proves that. United States of America vs. XXXX XXXX XXXX. Furthermore, the dealership never asked for the car back, because of a declined loan XX/XX/2014 and I never received any notices of explanation from Fifth Third Bank or the Dealership before or on XXXX stating that my loan was declined. Both banks and the dealership have been deceptive with the loan transaction and Fifth Third Bank are still listed on my vehicle title. I also have letters from XXXX contradicting Fifth Third claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: NC

Complaint narrative:
In XX/XX/XXXX my husband & I received a mortgage loan of XXXX dollars to get XX/XX/XXXX square foot home on land my husband inherited from his father. We got behind on the payment a couple of times and received several phone calls from Vanderbilt Mortgage harassing me and my husband at all hours of the day even when we told them to only call on Wednesdays from XXXX. They called my father, mother-in-law, and brother-in-law threatened them that we did n't pay they would take our home. I did n't sign the contract my husband did but I still received multiple notification including from their attorney with my name saying that I was a creditor that signed the contract. We had to change our phone number several times and my mother-in-law had to disconnect her phone number because they would not stop harassing her. THey harassed me into going to labor with my last XXXX. I was hospitalized for a month to keep me from going into labor at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Hello. 
I 'm currently trying to apply for mortgage loan, during the process my credit report is showing that one of my installment loans with Fifth XXXX Bank is reporting a late payment. I been paying them and never missed a payment with them. Also if you notice In my credit report I have never been late on any of my loans and credit cards. Also I contacted Fifth Third Bank regarding this issue and they have advice me to contact FTC to get it resolved. This is very important that I get this late payment removed, it 's report in all XXXX bareu and affecting my mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: CT

Complaint narrative:
My mortgage was sold by XXXX to Freedom Mortgage and in spite of my numerous communications with Freedom, I have not received complete and accurate loan ownership transfer notice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Avant Credit Corporation
State: CA

Complaint narrative:
I RECEIVED A NOTICE OF ADVERSE ACTION FROM AN APPLICATION MANAGER FROM REGARDING A XXXX LOAN WHICH I NEVER APPLIED FOR ON XX/XX/2016 COMPANY NAME IS AVANT STATING A DENIAL OF TO MANY INQUIRIES AND PERSONAL INFORMATION WHICH IS ILLEGAL TO ACCESS MY CREDIT REPORT WITH MY CONSENT, THIS IS A VIOLATION OF PERSONAL PRIVACY TO ME AS A CONSUMMER, AND I 'M REPORTING THIS HERE AND ALSO WILL BE CONTACTING ALL CREDIT AGENCIES. I WAS TOLD THERE ARE NUMEROUS INQUIRES REPORTING WHICH I FEEL WILL AFFECT IN LOWERING MY SCORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: OR

Complaint narrative:
I was approved for a modification through Vanderbilt mortgage and financial, inc. XX/XX/2016. My probationary period was XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I made XXXX payments without any problems. Then at the end of XX/XX/XXXX I was wrongfully terminated from my job leaving me with no income. I was able to borrow the money and called to make the payment on XX/XX/XXXX, I was informed that they would n't accept the payment and that my house would be auctioned off on XX/XX/2016 no exceptions. I received a letter dated XX/XX/XXXX which I did n't receive until the XXXX, stating I did not accept the trial payment plan and that there was no other relief they could offer me. I called on XX/XX/XXXX to inform them again that I was unemployed and that I was lead to believe that the forbearance could be extended because of this. They informed me that nothing could be done and that my home would be auctioned off on XXXX I have not been served or mailed any documentation stating that date. I have only been told XXXX different dates verbally over the phone. I am a single mother of XXXX children and I live in a very rural area that currently has a housing crisis and many people are homeless. If my home is sold I will be homeless as I am unemployed and suffering from anxiety and XXXX from the stress of loosing my job and my house back to back. I answered yes to the question below regarding did they help prevent foreclosure because they did when I was approved for a modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Pollack & Rosen, P.A.
State: FL

Complaint narrative:
In 2009 XXXX and XXXX " represented '' XXXX whom had purchased a debt from XXXX XXXX whome purchased from XXXX Bank, and the representative prior to us meeting with the judge coherced me to sign a settlement form by stating whom did I think the judge would believe me or her an attorney and besides since I was going through a divorce at that time most likely I would file bankruptcy and as head of household no one could ever come after me. NO ONE EVER VALIDATED ANY DEBT AMOUNT. Then I recently had Rosen and Pollock try to garnish my wages stating I owed XXXX ( per a XXXX XXXX ) Then when called on this to complete a payoff a XXXX informed me that I neglected my debt I had a contract with them, she mentioned that she was an attorney, an attorney representative and also XXXX that is no longer around. The problem all along with this was that the XXXX XXXX institute did not honor their contract and by breaching that contract I should not pay for a XXXX for which I can not use. I get the run around with lasik and any credit to be offered has to be through them and routed accordingly. I dont have a problem paying what is fair and just but not the almost XXXX XXXX stated I owed because I had not paid my bills.

Company response to consumer: Closed
Consumer complaint received 2016-08-21 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Business and Consumer Solutions.
State: GA

Complaint narrative:
An old debt of 16 years that was settled and resolved with statements that it is no longer there. A new collection company bought a batch of old, old debts from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX after my reporting XXXX. This debt is no longer owed as I settled it 16 years ago. XXXX years old and debt is not owed. Do not know this company nor any new ones that they keep trying to sell old materials to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Fraudulent charges were charged to my credit card in the amount of {$3100.00}. I have a Fifth Third Bank/ XXXX credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
I recently purchased my first house ( late XXXX XXXX ), and within the first 2 weeks my mortgage was transferred from Freedom Mortgage to XXXX and I received a welcome letter from XXXX. Then within the next week or so I received a bill from Freedom Mortgage and did not receive anything from XXXX. 

So I paid Freedom Mortgage on XXXX XXXX, with the understanding that they would transfer the money to XXXX accordingly. 

Around XXXX XXXX I receive a call from XXXX XXXX XXXX saying that I have not paid my mortgage. This has led to numerous calls to both banks ( at times XXXX way calls between myself Freedom Mortgage and XXXX XXXX XXXX ). 

As of today XXXX claims they took over my mortgage and I have not paid them for the XXXX bill and owe them the money for XXXX and will have to pay them XXXX XXXX and Freedom Mortgage is claiming that XXXX XXXX XXXX did not take over my mortgage and will not release my payment for XXXX and I have to pay them on XXXX XXXX. 

I originally got a date of XXXX XXXX from Freedom Mortgage saying this would be resolved, and when I did n't receive a phone call from them on that date I called them to find out that they have moved the completion date of my request to XXXX XXXX. Which I explained would force the situation that, come XXXX XXXX I will have XXXX banks telling me that they own my loan and I owe each of them the payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Well my bank still has not resolved my current complaint with your organization and now I have ANOTHER different issue with them. My dad made a XXXX deposit CASH into what was my savings account but it got switched to a secondary checking account because of too many transfers. This cash deposit was made on XX/XX/XXXX before XXXX. I transferred over XXXX of the funds to my actual regular checking account on XX/XX/XXXX, to cover a small debit purchase and a check for XXXX that my new landlord was holding for our security deposit. No checks were pending or presented on XX/XX/XXXX. Mid morning XX/XX/XXXX, XXXX the transfer from our one checking account to our other checking account of CASH was shown pending and tbe check was pending. Later that afternoon the check was returned even though the cash was in there and available because. I was even able to make my debit card purchase with the transferred funds on the XXXX. There was NO REASON TO RETURN THE CHECK and charge us XXXX fee. Also, dad told the bank teller he wanted the funds to go directly into our regular checking account but she placed it in wrong account. Further more we had to waste time and gas getting funds out by ATM to give a money order to new landlord. we now owe him a fee that his bank charged him. Additionally, we had to pay another XXXX stop payment fee, so we did not have more mess if his bank tried to redeposit it. The customer service lady claims that the stop pay is not guaranteed but took the money. It better be gauranteed and the check should have never been returned in the first place. Our bank notorious for this kind of stuff. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
When I was XXXX I got my first part time job and put all of my money into a savings account in my name. It went untouched for several years and when i was about XXXX or XXXX I went to retrieve my money, excited to see how much interest had accumulated, only to be told my account was closed due to inactivity, and the money was no longer there. I asked the teller where my money went and she claimed that there was no record of money being in my account although I showed her my bank book with the date of deposit and the balance. Being young and naive I let the situation go thinking there was no way to solve this problem. Since then the bank has closed. I have checked at www.unclaimed.gov and www.missingmoney.com with no luck. There has to be some kind of record left stating where my money went, or if someone took the money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
This has to do with XXXX collection agencies. Diversified, XXXX, and XXXX. They are all telling me that I have not paid debt in full. I do have Bank proof that I have made all of my payments. On XXXX I called Diversified several times to resolve this issue, and all they could do is threaten me with my Credit Report. Every time I tried to explain they again threaten me with Credit Report. I asked for XXXX 's phone number so I could talk with them and they refused to give the number. Told me to google it. I have called XXXX and continualy and they tell me that it has been turned into collections and I have to deal with collection agency. One other thing I was told, was NOT to keep calling them. So I told them the same thing stop calling me all the time. I also asked to speak with a supervisor and was also refused this opportunity to speak with someone in charge.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pollack & Rosen, P.A.
State: FL

Complaint narrative:
I had lasik at the XXXX institute. it is XXXX per eye UNLESS you opt for the lifetime assurance, I did that, the bill then was XXXX. I have no paper work and no one will provide me any either. REGARDLESS, they breached the contract a year later when they neglected to see me. I tried explaining this to XXXX XXXX that owned the debt but they sued, used hayt and hayt and their attorney that told me it did not matter that the debt wasnt valid, the judge would believe them, and i could claim head of household and they wouldnt collect due due that status but to be clear the judge would side in their favor anyway. I was scared and I signed the paper. Now XXXX attorneys are trying to garnish me for this debt I dont owe. XXXX ward at the lasik institute said I dont owe the debt and that I couldnt use the lifetime, she stated she would call XXXX. I also did a BBB complaint and in that they replied the debt had been sold, they know nothing about any payments and if i wanted I could come back anytime. this is totally contradicting the information that took me numerous calls and a solid week to collect -- I do not want to do this it has been since 2005 when I had this done. I would never trust them to do anything to my eyes. I believe the statement was false to make it seem on the BBB that they were accommodating. The main point is they breached the contract and I just want to be held accountable to the once and done pricing of XXXX a eye which i believe is fair to all parties and was paid the first year. After they failed to honor the contract, I defaulted after that because the company always made excuses to " return my calls '' " computers down '' and answering machine messages were my only contact options -- at that time they told me I had to see them for the lifetime yet they made NO attempts to allow me to see them.Someone needs to contact XXXX and tell them they purchased a fraudulent debt and are pursuing a single mom head of household supporting my son person. someone should then investigate the lasik vision institute for their shady practices. I should not own this debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There is an inaccurate late charge being reported on my equifax file that I have disputed with both creditor and equifax a total of 9 times. The creditor continues to tell me that they have notified equifax to update their files however that has not happened. Equifax continues to tell me they investigated the information and the credit XXXX confirms it as accurate. XXXX has sent me a copy of the letter 3 times that they say they have sent to equifax ( i too have forwarded it to equifax ) however I just get the run around that they can not take the letter form me and never received it from equifax. This process began in XXXX prior to me going into the home buying process. I have not located a home and in contract and am being penalized for this inaccurate information. It is effecting my credit score which determines the rate and options I have. This has been a dauting process and I am completely drained and have not choice but to move forward with the mortgage and penalty for inaccurate information or I will lose the house. Equifax should be responsible for every dime I have to pay above what I should because they will not update this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: MRS BPO, LLC
State: TX

Complaint narrative:
The disputed charges stem from disconnecting my service with XXXX because I was moving when I resided in New Jersey in XX/XX/XXXX I received a bill and I have made numerous attempts to receive clarification as to what I 'm being charged for. On XX/XX/XXXX, I spoke with XXXX from XXXX and she did not know what it was. I received XXXX notices from debt collection agencies and I demanded a verification of the debts, which no one has responded to. On XX/XX/XXXX, I spent over XXXX hours on the phone with XXXX agents, including XXXX, XXXX, XXXX, XXXX and XXXX with no resolution. I have copies of all of the letters and notes regarding my communications with XXXX and its agents. I have spoken with XXXX from XXXX and he explained that the debt was for my failure to return a card and an early termination fee. I then sent XXXX proof that that I have sent them the equipment that they claim that this debt is related to. This debt has been reported to the credit bureaus in clear violation of the FDCPA. XXXX and its debt collectors have erroneously reported this debt on my credit and I demand its immediate removal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT

Complaint narrative:
XXXX XXXX XXXX sent a letter stating that the account had been referred for collection. There was no information sent to validate the debt, rather letter states that I have to dispute debt before they would provide validation. It immediately threatens a judgment instead of listing the process to verify the debt and move forward. 

I sent letter requesting that the debt be verified, that they were indeed engaged to collect the debt, etc. The only information that was sent to me were statements of the account. This provided absolutely no documentation that the firm was indeed authorized and engaged by the creditor to collect the debt. 

Additionally, during this time, their representative XXXX XXXX was literally " blowing up '' my phone every day XXXX times per day.

Company response to consumer: Closed with explanation