vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-10 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I took out a XXXX mortgage line of credit a number of years ago through XXXX XXXX XXXX Bank. I paid every payment on time. XXXX XXXX XXXX Bank was bought out by BMO Harris Bank several years ago. The line of credit loan continued as it had with XXXX & XXXX Bank. I continued to make payments on time, never falling short even one time. In the fall of XXXX I received a letter from BMO Harris bank stating they were discontinuing this type of loan and called the note due in XXXX XXXX. Even though we were very ill prepared to refinance, we took the fall to attempt to prepare our home and our finances for this transition. I went XXXX Bank to secure a mortgage to pay off my XXXX mortgage and the note demand from BMO Harris. When our home appraised for less than we hoped, we had to shift to a XXXX and XXXX mortgage. 
We were able to secure a payoff on our XXXX mortgage with XXXX Bank. We requested and received a payoff amount from BMO Harris Bank, however after accepting our payoff check, they decided to add a very large fee and refused to release the note. I have contacted BMO Harris Bank several times in this matter and they insist on charging this exorbitant fee. Large businesses such as these have a big advantage over the general public. They can bully the average consumer like me since I have no resources to battle against them. I struggle from paycheck to paycheck while they simply expect me to fork over an additional {$900.00}. This is a predatory practice that should not be allowed. I have faithfully paid my XXXX & XXXX mortgage on time, every time to XXXX Bank since. 
I do find it very strange that a company that I never seeked to do business with now has a stranglehold over my life and finances. To a normal middle class working family, this seems mighty unfair. I would appreciate some intervention in the matter. 
Thank You XXXX XXXX XXXX XXXXXXXXXXXX

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 2016-10-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
XX/XX/XXXX I had my property appraised. My certified appraisal revealed that due to the improvements I had made to my property that the value has increase substantially. I contacted my lender on XX/XX/XXXX to inquire about how to request the removal of my Private Mortgage Insurance premiums. I informed the lender about the recent appraisal. I was told to fax or mail a written request along with a copy of the appraisal to their escrow department. I complied and sent a formal written request for the cancellation of my PMI via fax on XX/XX/XXXX. I was told I would have a reply in 5 business days. After this time, on XX/XX/XXXX I called back to verify that my information was being processed. I was told that my information was never processed because I did n't have my mortgage number on the fax cover sheet. So on XX/XX/XXXX I resubmitted my written request via fax ( confirming the fax number ) and adding my mortgage number to the cover sheet and ensured that there was nothing else that I needed to add for the request. I also mailed a separate copy of my written request and copy of the appraisal to the address provided. On XX/XX/XXXX I called again to find out the status of my request. Once again I was told that my request had not been received or processed. The customer service representative then told me that it did n't matter anyway because I would not be allowed to cancel my PMI until XX/XX/XXXX regardless of my LTV or a subsequent appraisal if the appraisal was n't provided through my lender, despite the fact that I had a certified appraisal report. I was told XXXX separate things from XXXX different employees. My request was never acknowledged as received or reviewed. No notification was provided to me to indicate that more information needed to be obtained or that a lender requested appraisal was required.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
I obtained a VA loan from Freedom Mortgage corporation during XX/XX/XXXX, my first payment was during XX/XX/XXXX. I have paid the loan each month on time, and many of my payments included an additional amount to be applied towards the principal balance of the loan. Each month Freedom Mortgage provides me a statement that indicates what portion of my payment was applied to interest, principal, and escrow. They also provide a breakdown of the same information for my next payment. It is impossible for Freedom Mortgage to determine in advance how much interest will be applied, unless they know the exact date I will make my next payment. The scheme they have developed is, apply a pre-determined amount to interest, and the remaindered deferred and they apply interest to that unpaid portion of the payment. I figured this out when I called for a payoff of my loan and learned of the large difference between the reported outstanding principal balance on my monthly statement and the actual payoff. I know there is and should be a difference mainly because of the interest that would have accrued since the last payment. My statement balance on XX/XX/XXXX reported an outstanding principal balance of {$220000.00}, however when I called for a payoff, I was told it was approximately {$220000.00}, that is a difference of about {$1400.00}, not the few hundred dollars I would expect, please note that my interest rate is only 2.25 %. The bank should be applying interest based on the principal amount due, accrued interest, and loan interest rate. There should not be a deferral of interest that also accrues interest. 
I understand how loans work, and how interest is computed, I am a XXXX in the state of Virginia and I knew something was fishy but did not conclude what was going on until I requested a loan payoff.

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 2017-02-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Diversified Adjustment Service, Inc.
State: GA

Complaint narrative:
Diversified Adjustment Services Inc. attempted to call and collect a charged-off debt from XXXX. I requested that they cease from calling me as this debt has been disputed with previous collection agencies and XXXX failed to respond to those disputes request. I asked the representative from Diversified Adjustment to remove my number from the calling list and to not call me again. He then became very rude and said that they were going to get there money. They then stated that the bill was not going to go away even though I disputed this with XXXX and they did not respond. I made a second request for the collection agency not to call me and he then stated that a verbal request to not call me was not good enough. I then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WV

Complaint narrative:
About XXXX years ago, I modified my mortgage terms under the Home Affordable Modification Program ( HAMP ). XX/XX/XXXX I found out I would be eligible for a {$5000.00} credit towards my principal balance sometime during XX/XX/XXXX because I made all my payments on time. My mortgage holder is Fifth Third Bank, XXXX XXXX XXXX, XXXX OH XXXX. In a letter dated XXXX XXXX, XXXX, they informed me that the {$5000.00} credit would be forthcoming and that I had a choice of either shortening the remaining term of the loan or getting a lower monthly payment, and that the offer expired on XXXX XXXX XXXX. I called them XX/XX/XXXX and told them I would like to elect the lower payment option. Their letter stated that the effective date of the payment change would be XXXX XXXX XXXX. In XX/XX/XXXX they told me that the paperwork had not been completed and I would have to pay the normal higher payment. XX/XX/XXXX they told me the same thing, and I again had to pay the normal higher payment. My latest monthly mortgage statements show that the {$5000.00} credit has been applied to the principal. XX/XX/XXXX I received another letter from them that required my notarized signature to amend the terms of the loan, which I returned to them last week. I called them and they told me I would not be able to receive a partial refund of the excess payments I made XX/XX/XXXX and XX/XX/XXXX, nor would there be any additional reduction in the principal balance for the excess payments. They have not given me a firm figure on my new lower payment, but I believe the total new payment for PITI will be about {$80.00} to {$90.00} per month less than the {$530.00} I have been paying the last several months. My payments are current and I have not had any late payments. I do not know if they will grant me the new lower payment this month ( XXXX XXXX ). I feel they are just dragging their feet on this issue to extract extra interest out of me because they feel they can get away with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Avant Credit Corporation
State: GA

Complaint narrative:
I took out a personal loan with Avant, first of all they are loan sharks charging me 30 % interest. I am a single mother and XXXX veteran who had several XXXX resulting from my military service. This resulted in medical bills and me having to take unpaid leave from work.I had made payment arrangements with avant to lower my payment for 6 monthsI had changed my bank account however, avant continued to charge the old account and not the new XXXX. One day I get an email stating my account is {$2000.00} past due and another day its {$3000.00}. I am trying to pay this off but Avant wont work with me and they are destroying my credit ;. I am moving for a better paying job shortly but because of this I am unsure if I will be able to secure housing for my XXXX XXXX XXXX son and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation
State: DE

Complaint narrative:
I received a loan from avant last year in XXXX of XXXX. I received an email about refinancing for additional funds or lower Apr. My Apr for a Delaware consumer is XXXX, but I noticed on their website they offer Delaware loans highest 36 %. I contacted them and their statement was this was new interest since my loan opened and I could reapply for the lower Apr. I tried reapplying and was denied. Logged back into site after applying it ran my credit again to deny me without me actually filling out application.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Business and Consumer Solutions.
State: FL

Complaint narrative:
Calls and threatens to serve me if I do not pay up and calls family, neighbors and friends and gives them my personal info

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Rock Holdings Inc.
State: NY

Complaint narrative:
I purchased my brother 's XXXX interest in my residence. Unfortunately, a document, The Real Property Transfer Tax Return was filed late by Title Source XXXX XXXX XXXX XXXX, MI XXXX, titlesource.com with the XXXX Department of Finance. I have been fined for this late filing {$110.00}. The transfer date was XXXX XXXX, 2016. The form was filed with XXXX Department of Finance on XXXX XXXX, 2016. I would like to be reimbursed for the {$110.00} which I had to pay.

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 monetary relief
Consumer complaint received 2015-08-18 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Settlement paid but still shows not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-04 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My issue is with my Capital One Mastercard. I opened a binary options account with a {$300.00} deposit to try out the platform and on or about XXXX XXXX, 2016 I received a call from XXXX XXXX XXXX, Head of Corporate Division, he told me that he would show me how he could make me a lot of money if I worked with him, he asked me to login to the platform and gave me a series of small 30 second trades and they all won, that was very impressive, then he said to invest more money that he would guarantee similar results and would call me 3 times a week with winning trades, that he consistently had a success ratio of over XXXX %, I regretfully gave him my credit cards and I sent him another {$11000.00} using a combination of credit cards among them my Capital One MasterCard ending in XXXX in an amount of {$6000.00}, then the next day he said that his boss got mad at him because he had committed to help trade such a small account that he needed me to deposit another {$25000.00} I told him that it was n't going to happen because I did not have it, he told me to come up with it somehow he even suggested that I should go and rob a bank and this I swear on my father 's ashes and I refused, ok here is where it gets ugly he said that because my account needed a higher balance he was going to give me a bonus and would double my balance, he increased the account balance to {$22000.00} and after that he said that in order to withdraw I needed to trade 50 times the bonus amount, in other words {$550000.00}!!! I told him that I did not know how to trade and he replied not to worry that he would give me the winning trades and in 2 months he will have given me trades exceeding the required amount. I started researching and saw horrible reviews on XXXX XXXX and their tactics, I asked him to send me my funds back, he said that he could not because he had given me a bonus, the funds were intact in the account all he had to do is back out the bonus and send me my money back, he did n't and he said that he was not going to be able to give me trades for 3 weeks because he was going on vacation that he was going to have someone call me, a few days later I received a call from a female trainer who gave me a 15-20 min instruction on how to trade and that is the last I heard from XXXX, I called and emailed several times in the following days and I received no response ever again, they kept my money and closed my account. I protested the charges to my credit card and XXXX XXXX Visa helped me, I got {$5000.00} but Capital One did not help me with the remaining {$6000.00} and they told me that they could not do anything, basically I am losing {$6000.00} because the actions of these thieves.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
I paid ditech extra money to set up my mortgage payment on an automatic withdrawal from my savings account. this withdrawal was to take place bi-monthly. Twice now ditech has withdrawn the wrong amount or no money at all. The first time this happened they did not take out any money and assessed a fee. a week later they attempted to take the mortgage payment plus the fee. Not once but three times causing my bank to assess me a XXXX fee for each occurrence. Ditech representatives told me in multiple phone calls that my overdrafts fees would be reimbursed. They never so. This month on the XXXX of XXXX Ditech was again scheduled to take half of my monthly mortgage plus and extra XXXX for the principal. This withdrawal was never made and a XXXX fee was assessed for non-payment. After numerous phone calls over a period of days I was promised that this situation would be resolved and the non-payment fee removed from my account. Friday the XXXX of this month I received what amounted to a collection notice from Ditech for non-payment and an addition XXXX in fees had been assessed for non-payment. Thus far I have made several attempts with Ditech representatives to resolve this ongoing situation. Every supervisor I have talked to has said that they would make a 'Request ' to their supervisor to get this situation resolved. Thus far nothing has happened and I am now in fear that Ditech maybe trying to set me up for a foreclosure. My wife and I have good credit. We pay extra on the loan balance in order to pay the loan off in a shorter amount of time. and we have never missed a payment. the fact that Ditech is assessing non-payment fees and sending me collection notices after their own refusal to take the money out of my account as they have done so for many months in the past is fraud

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Monarch Recovery Holdings, Inc.
State: MN

Complaint narrative:
Ive never done any business with this company so I do n't owe them a dime. If they are in the business of buying " dept ''. that is there problem not mine I only do business with any original debtors. Just like if someone owes me money I ca n't go to the local debt store and say " hey you wan na buy some debt so and so owes me ''? Its ridiculous I wo n't do it I wont deal with it and I will not have anyone harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
This property has sat unoccupied and with little maintenance by the Owner/Property Manager for a year. The Association has had to take over landscape maintenance and has spent countless hours trying to contact the property manager asking them to maintain the property to little/no avail. The Association has incurred a substantial amount of fees as the result of the lack of maintenance on this property which likely we will not recoup. Surrounding properties have filed multiple complaints with us as well as the property management company. Surrounding property owners have commented that the appearance of this property has detracted from the value of their property.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ROC Asset Solutions, LLC
State: MS

Complaint narrative:
The lady called asking for XXXX XXXX. When I told her she had the wrong number she continued to ask me questions. I told her that he was my ex husband and I have no contact with him and asked for her not to call. She then began to ask if I had children. I replied and told her that was none of her business. She then told he I was being rude so she would continue to call me everyday because I was rude and would not remove my number.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 2017-02-09 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I have a visa credit card the I thought was a regular consumer card but when i got my last statement that raised my interest rate from 13 % to 29.99 % I found out that i have a business credit card which is n't what i asked for. 
The bank raised my interest rate because i had received my bill late during XXXX but when i did get it i opened it up and saw that it was late I took straight to the closest branch and told them what happened and paid it. They suggested that I contact customer service which I did. 
After contacting fifth third bank customer service and having them see I had never been late plus what happened they said ok and even took the late charge off. 
So according to everything I discussed with them everything was ok but this month i got my bill and saw the 16 % interest rate increase. 
So i called customer service to try to see what was going on. I talked with a service representative and told her what had happened. She said that was not normal to raise a rate that much on XXXX late payment especially once she saw i had never been late before. After about 5 minutes she told me what had happened. It seemed that i had a business credit card and not a regular XXXX which meant that the rules were different and strict so they could do that to a business account. 
I had a business account and credit card with 5th 3rd but because of the service I close the business account and was going to close the business credit card account and when I told them that they said that they would give me a regular account if I kept it open which I did and they gave me a new credit card with just my name on it and not the name of my company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
We applied for a mortgage refinancing with Freedom Mortgage at the beginning of XXXX XXXX. After XXXX failed closing dates, unreturned phone calls and e mails, endless time on hold and hours of our time wasted we finally closed on XXXX XXXX, XXXX. I have pages of notes, phone messages and emails to show the incompetence of Freedom Mortgage. I was required to sign a document that stated that I received Disclosure documents 3 days before closing. They did send Disclosure documents 3 days before but they were incorrect. I had to bring this to their attention so the closing could be completed. I finally received the correct Disclosure documents the evening before the scheduled closing. This company is incompetent in so many ways it is inexcusable If it was n't for the money it finally saved us on the refinancing, we would have abandoned this endeavor after the second failed attempt.

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