vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
I notified my Mortgage Company, Freedom Mortgage, on Apr XXXX, 2016, that XXXX of my parcels taxes had not been paid from my escrow account. They ended up only paying for XXXX of them. Now my taxes have been sold at tax sale in XXXX 2016, and I have started the process of redeeming them myself. I have notified them, but I only get a boilerplate response that they have received my communication. This is not acceptable.

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 2016-11-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am complaining in the strongest possible terms about the circumstances regarding my house insurance premium not being paid to date. 
5/3 Bank has absolved me of the responsibility of paying the premium myself through the use of your escrow system. My premium was due on XX/XX/XXXX last. I received a letter from XXXX informing me that our policy was about to be cancelled on XX/XX/XXXX at XXXX. Letter dated XX/XX/2016. I received the letter on XX/XX/2016. I was on the phone at approximately XXXX, only to be disconnected at XXXX by your customer service rep XXXX. 
I then drove to the branch in downtown XXXX at XXXX. 
I sat with XXXX while she went through phone queue hell. While on hold, she explained to me that there was a glitch due to the bank having changed escrow providers, she also pulled up an internal email explaining to the staff of this problem. Your customers, me, were not informed of any problems with this at all, I had to find this out on XXXX when I visited the branch. XXXX was then told that the check to XXXX was in process and would be mailed the next day ( XX/XX/XXXX ) I was also told by XXXX, after she got in touch with XXXX, that if a check number could be supplied, it would give me a 10-day extension. Of course, there was no check number available. I left the branch at XXXX I got a voicemail from customer service on XX/XX/XXXX at XXXX explaining that the check had already processed and that a next day delivery was not an option. 
I checked my insurance online today and still no payment to the insurance company. I then went to the branch in downtown XXXX at XXXX and spoke to XXXX , ( or XXXX ) We spent over an hour in the phone queue to the Escrow department. We found out that the check was not mailed out till XX/XX/XXXX. We got the check number so that I could forward it on to XXXX insurance, if they do n't receive the check on the XXXX. 
I left the branch at XXXX. 
What I would like is the following : An explanation as to why none of your customers were informed of this issue. 
An assurance from 5/3 Bank that it will assume any responsibility for any claims that may arise until the insurance is back in force and in good standing An explanation as to why I was lied to at the branch about payment being made. 
Compensation for time spent trying to rectify this issue, in my case, 3 hours at my overtime rate of {$36.00} an hour. This is time that I used in excess of my normal working day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
Freedom mortgage increased our monthly mortgage payments by {$500.00} stating that we had a " shortage in the escrow account. '' They indicated that the school taxes, homeowners insurance, tax increases. We believe that they had us down for STAR exemption in NYS when it had not gone through back when we applied on XX/XX/2013. For the past three years Freedom Mortgage was paying our taxes based on a STAR exemption that we did not have and when they realized they raised our fixed rate mortgage by {$500.00}.

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 2015-10-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I 've had a checking, savings, pre-paid cards and business checking for 1 year with Fifth Third. I have had issues with the bank the entire time I had an account. The bill pay did n't work correctly and I called several times because the bills did n't get paid on the correct date that the bank GUARANTEED. I received debit cards for the business checking that never worked. One night we were in the bank in the winter, going in and out the branch because they did not have an inside ATM XXXX another disadvantage ) and the representative could not get the cards to work. They sent the cards several times and they never worked, meanwhile, we opened up other accounts elsewhere to service our business needs. We could never utilize the Fifth Third business account as we wanted to. I went in to close the account on XXXX/XXXX/2015 and the representative told me she could NOT close pre-paid cards at all. Also, she suggested I should wait a week so that the business account is 1 year old and I could avoid the {$50.00} fee. I call the XXXX number provided by her to close the pre-paid cards and they say I have to close the cards in the branch. I was very frustrated at this point. I go inside the branch on XXXX/XXXX/15 to close the pre-paids and speak with XXXX and she tells me that she can close the cards. I ask her to close the business and she tells me she can not waive the {$50.00} fee. I explain to her that the other representative told me I had to wait a week and the fee could be waived. She puts the disclosure dated XXXX2015 in my face and say 'you have to pay the fee '. I tell her about the unsatisfactory service with this branch, how we never got to use the account, and how many monthly service fees we have paid that should cover the closing fee. She does n't care, she 's quite arrogant, and refuses to help eventhough her staff mislead me into thinking the fee could be waived. It was not disclosed to me at the time of opening the account there was a closing fee indefinitely.She should have taken into consideration the inconvenience of going back and forth to the branch due to her staff lack of knowledge. I filed a complaint over the phone that night and I called XXXX/XXXX/2015 and there 's no proof of a complaint being filed and the representative states I have to go into the branch to file a complaint ... AGAIN! This branch is totally unprofessional and the manager is not training her staff properly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-26 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
BMO Harris Bank did not fulfill a promise to provide promo interest rate on money market account. It has been two months sine I opened the account. 
thanks

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 2015-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: National Check Resolution Inc.
State: AK

Complaint narrative:
Got a call from XXXX someone named XXXX at XXXX XXXX and XXXX then threatened I owed some debt and I would be served paper work at my work between XXXX on XXXX

Company response to consumer: Closed
Consumer complaint received 2016-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Over past few weeks have been receiving phone calls that caller ID identifies as Fifth / Third bank. the # is XXXX. When I pick up and answer there is silence on the other end of the line ( I can not tell if its a human or a robot. After a few moments the phone will disconnect. Yesterday I call 5/3 @ XXXX to verify if the phone # calling me was a 5/3 # ... after being put on hold the representative came back on the line & stated that YES ... THIS # IS FROM THEIR COLLECTIONS DEPARTMENT, ( SHE ADMITTED THAT 5/3 WAS MAKING THESE CALLS ) plus I have had other similar calls from other # 's .... 
15 USC 1692F ss 806 ( 5 ) Seems clear regarding this type of call. 
THESE ARE HARRASSING PHONE CALLS. 
IT 'S INCONCEIVABLE TO ME THAT A BANK WOULD ACT IN SUCH A DISPICABLE MANNER, I do n't even believe it is me that they 'd be trying to contact ... PLEASE HELP WITH THIS ISSUE Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Business and Consumer Solutions.
State: FL

Complaint narrative:
I have insurance, the insurance company said the hospital messed something up and that I was not responsible for the bill. They also said the hospital needs to figure it out. I explained this to the hospital and they said ok. Then I started getting the debt collector calls, I have asked them to stop calling and explained the conversation I had with the hospital. They start getting angry and loud saying you owe this money, etc. today after telling them to stop calling they kept talking until after the XXXX time me telling them to stop calling and that 's when they said goodbye and hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I have asked for over 2 yrs to be provided documentation from Fifth Third Bank that the credit card they show on my credit report is valid. Put in disputes with the credit bureaus but none of the XXXX will change the line. I did not sign an applicaiton for joint credit the card was in my wifes name, I have never had a card was not aware of the card. Have asked XXXX multiple times to provide a signed application giving them authority to use my credit or list me as an owner but they have failed to provide a signed app or remove from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
my mortgage company paid out 3 separate tax payments to my county at the end of the year, all 3 payments were for the wrong amount of taxes, one payment was used to pay taxes and the county sent the overage back, a second one was returned, but the third payment the county shows they never received. The mortgage company keeps saying that they are waiting to get it back from the county. It has been 4 months now and still no resolution.

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 2016-02-04 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I have owned a rental property in XXXX, WI ( XXXX XXXX XXXX ) for about 20 years. My XXXX mortgage holder is XXXX XXXX. I have a XXXX mortgage currently held by BMO Harris. This XXXX mortgage used to be owned by M & I Bank, until about 4 years ago. I have a {$40000.00} line of credit on this XXXX mortgage, and I have never missed a payment in all the years of that I have used this line of credit. For many years the balance was XXXX to XXXX. Last year, I badly needed a new roof on the property ( XXXX XXXX XXXX ) and I used the remaining XXXX for the roof. Soon after using the remaining credit, I tried to make a payment online, and the site would not allow it. I called customer service at BMO and they informed me that the entire balance ( XXXX ) was due at that time. From this point, BMO treated my case like a loan modification and assigned XXXX XXXX XXXX, Senior Real Estate Underwriter. After making many requests to keep my current line of credit and make payments like I have been, XXXX XXXX XXXX asked me to find a loan guarantor, in order to " re-do '' the loan. This is not an option for me, and I conveyed this to XXXX XXXX. She then suggested that I think about selling the property. This is also an option that is not realistic at the current time, considering the numbers. I am also worried about my credit score being affected adversely.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
Freedom Mortgage purchased my loan fro XXXX Mortgage and did not supply a new account # in the correspondence. Therefore, I mailed my payment to Freedom mortgage well before the due date of XXXX XXXX. They proceeded to call me to collect, send me multiple collection and late notices, and meanwhile they cashed my check and mis-applied funds to someone else 's account. I called my bank, XXXX, and they supplied evidence of Freedom cashing my check ; while someone at Freedom hand wrote someone else 's account # on the check. I faxed and emailed the cancelled check to Freedom ( XXXX XXXX XXXX did directly as well ) ; yet Freedom still is " investigating ''. When asked if they are charging interest on the principal payment I made and they cashed, I was told " I do n't know. ) Their website also did not permit me to access any of my account information after multiple password resets and is clearly far behind the times. 

I have never had a late mortgage payment in over 20 years on any of my properties.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
Freedom Mortgage used to have XXXX XXXX service my mortgage with them. Then effective XXXX XXXX, they took the servicing of this mortgage back. They stated on the phone at least 3 times that no late fees or credit reporting would occur until 60 days from the date they took over servicing. I made my mortgage payment on XXXX XXXX. That is the day it is due. Freedom Mortgage should have had that payment transffered from XXXX XXXX, yet I have not seen it come out of my bank. Now, I am getting a letter telling me that I am late ... .and that they have reported it to the credit bureaus. This is the EXACT opposite of the information I received from XXXX separate representatives on their customer care line. In short, they lied to their customers. They can not tell me what happened to the payment I made online on XXXX XXXX. It has not been 60 days since they took over the servicing of this loan ... .why are they sending me debt notices before their 60 day grace period to me when I have a call record asking about the payment and a letter that I on XXXX XXXX explaining that I made the payment and ALL I wanted to know was what happened to it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 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: Recovery One, LLC
State: TX

Complaint narrative:
I have no knowledge of this debt. I attempt to request for contract or any legal documents showing proof. No documentation has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Freedom Mortgage Company
State: MA

Complaint narrative:
Was contacted by my mortgage company, who offered to lower my interest rate at no cost to me. After a couple of phone calls, I realized I was actually " re-financing '' my mortgage, not just lowering my current interest rate. I felt this was very deceptive. The first person I spoke to sent me to another person who said she would be my point of contact through out the process. This did n't happen. At every step of the way I was given another " contact '' who would be with me " through out the process ''. After explaining to several " contacts '' that I did not want to finance more than my current principal balance I received my first closing disclosure. This doc was incorrect because they added money to the principal, which I had already explained to several of my " contacts '' I would rather pay for than finance. I was told the docs would be fixed. They then showed up at the closing with the wrong version of the docs. The closing did n't happen. A second closing was scheduled. Another set of closing disclosure docs were prepared. These docs added even more money to the principal which I explained again to my newest " contact '' was n't acceptable to me. After spending 45 mins on the phone with my latest " Contact '', I thought I had finally made the point that I was trying to make all along. I wanted to only finance what my current principal balance was, and would pay for the additional moneys required to payoff the current loan. I was told this would be the interest amount from the XXXX of the month to the date of closing. They would still pay all closing costs. Second disclosures showed up. Once again incorrect. I was told to keep my scheduled closing date as a new set of docs would be drawn up in time for this closing. I never received this third version until the actual day of the closing and yet again the principal amount was now even more. 
I am now stuck. If I do n't close I 'm going to have late fees for missed mortgage payments. The missed payments were because my " contact '' told me not to pay them as they would be taken care of once the new loan was closed, which did n't happen. The aggravation of having to explain myself over and over to many different " contacts '' and none of them actually doing it the way I wanted makes me feel like they are trying to scam me out more money than necessary. I do n't want to close this loan but I am now on the hook for late fees. So either way, the 're getting more money out of me than was necessary.

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 2016-08-03 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
I purchased a money order from USPS the money order how ever got lost in the mail I purchased tracking of the money order also to prove to the bank that it was not cashed the bank denied my claim and since has put my account in a negative balance and is reoccurring overdraft fees and since I get my check direct deposited they are going to take my whole check come Friday. This is absurd I have rent to pay once again as in result this is not my fault.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Pending Company Match
State: CA

Complaint narrative:
My wife and I invested in XXXX, XXXX, XXXX, ( parent company : XXXX ) in 2001. We purchased the stock @ {$10.00} share and added more stock over the next couple of years @ {$10.00} to {$11.00} per share. The stock grew to over {$20.00} and settled around $ XXXX/share. One Friday morning, with no notice before, during or after, the FDIC closed the doors of the bank, turning the assets over to Umpqua Bank of XXXX. We lost approx. {$280000.00} of our retirement and never heard a word from anyone at FDIC, the bank, it 's board or anyone else. The only contact left was Umpqua who were not responsive to our requests for more information and did we have any alternatives to what happened. This destroyed our XXXX as we are now XXXX years old and have very limited funds. Do we have any recourse? We desperately need the money or some portion of it to sustain our lives. The closure was a few years ago now, but we only recently found out about CFPB. Please help.

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 2017-03-15 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
I signed up for a credit card offer I received in an email on XX/XX/2017. The offer stated that the American Express XXXX came with XXXX bonus miles as long as I signed up before XX/XX/2017 and spent {$1000.00} in the first XXXX months. I did exactly as I was supposed to but was only credited XXXX. I called in XX/XX/XXXX and was told they were opening an investigation. When I called back they told me the investigation was closed and I was not receiving the extra XXXX miles due to an unspecified " error '' that was not the fault of American Express. I do not believe this is acceptable in any way. They admit the email is real but still wo n't give me the miles I 'm due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This is not correct I do not have any of this issue. I need this taking off my record DEROGATORY PUBLIC RECORD OR COLLECTION FILED Your credit report shows a derogatory public record ( such as a bankruptcy, foreclosure, civil judgement or tax lien ) or collection which is generally more risky to lenders. Note : A satisfied public record or paid collection will remain on your credit report for 7-10 years.

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 non-monetary relief
Consumer complaint received 2015-05-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Made payments to kohl 's credit card through my Bank under XXXX. Kohl 's keeps calling me and emails me that I owe for charges on line/in store purchases. The payments were made but they have yet to give me credit for my bill paid in full. My Bank has faxed the info needed by kohl 's but I have yet to hear anything from them other than they ask when I am going to make a payment. They have now charged me late fees and interest on payments I have already paid

Company response to consumer: Closed with explanation