vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-06 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BMO BANK NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I submitted complaint XXXX XXXX XXXX. I received this complaint closure letter today ( XXXX XXXX ) with the following text : 'We reviewed the complaint you submitted to us on XXXX XXXX, 2015. Although complaints can be submitted on behalf of others, the bank has indicated that it is unable to process the complaint without authorization from the consumer. No further action will be taken on this complaint. The consumer can submit a complaint on their own behalf by contacting us ' This makes no sense. I AM the consumer and I filed the complaint. Since filing the initial complaint, Diner 's Club has closed my account in retaliation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
My mortgage was sold from XXXX XXXX to Fifth Third Bank. I received a notice from XXXX XXXX but have not receive any communication from Fifth Third Bank. Even though I received no new notifications, I contacted the bank because my home insurance and tax payments were in Escrow. After contacting the bank 5+ times I still have received no notifications or bill for payments. They also have not paid my home insurance and presumably my taxes from my Escrow account. They instead told me that the Escrow was still with XXXX XXXX, which of course was untrue. 
I 've taken three trips into the new bank to get the information set up, each time being assured that it was fixed. However according to my insurance agency they still have n't received the information from the new mortgage owners.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company
State: LA

Complaint narrative:
1. bought a house ten years ago. With recent flooding events in my area, I discovered the reason my house took on water was because my den, sunroom and carport are all built on unreinforced concrete ( no rebar ). Engineer assessment determined it structurily unsound and the only solution is demolition and rebuild. Have contacted mort. company and they want all kinds of info, banking, salary, tax forms, IRS forms, etc. Although I can afford my mortgage, there is no way I can afford demolition and rebuild. I asked them to go with a Short sale, or Deed in lieu of Sale. If I ca n't afford the work to be done, I will have to walk away from my mortgage. Either way I lose. Can anyone advise or help me?

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 2016-07-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: NM

Complaint narrative:
I made a payment to Freedom Mortgage on XXXX XXXX, 2016 for my XXXX XXXX, 2016 payment. Freedom Mortgage says my bank XXXX did not pay for insufficient funds. I had sufficient funds in my account on XXXX XXXX, 2016. I made another telephone payment with a representative of Freedom Mortgage on XXXX XXXX, 2016, and today XXXX XXXX, 2016 Freedom Mortgage tells me that my bank XXXX stopped payment. I show no stop payment on my XXXX account. Freedom Mortgage has received two payments from me and has lied about what happened with each payment. I sent a note on a fax cover sheet to Freedom Mortgage not to take two payments from my account. Freedom Mortgage just keeps saying things that are n't true. Also Freedom Mortgage had the wrong address to mail my bill to. I have been with them unfortunately for 16 months and Freedom Mortgage changed my mailing address.

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 2015-09-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
I have been paying my mortgage by direct withdrawal for the life of the mortgage approximately 15 years. I am now being harassed by XXXX that my mortgage has not been paid since XX/XX/XXXX. I have notified them that if my mortgage has been sold the new mortgage holder apparently not getting the money. This has now been going on for more than a month. I have sent letters to all concerned parties that I am aware of Freedom Mortgage, XXXX XXXX, XXXX, and XXXX XXXX. I have not been informed of what they are doing to correct this situation. On XXXX/XXXX/15 I received an email that again my payment will be coming out of my checking account on XXXX/XXXX/15 as has been the custom since the beginning of my mortgage. I also received a late notice for my tax bill which I received the XX/XX/XXXX and sent to the mortgage company the very next day. I am sure that my credit has been jeopardized and refuse to look as I do not want to get any more upset than I already am. At this point do not know who or where to turn.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
My monthly payments were applied late. Therefore the system marks it as not paid. After having this issue for several months and calling about it they said I needed to pay my bill 10 days prior. I might not have the money at that time to do so. Because of this they now say I 'm not entitled to have my loans at the locked-in interest rate which I 've had since 2006. So because their system is flawed I 'm penalized because I ca n't pay 10 days prior to the due date?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In XX/XX/XXXX I borrowed {$50000.00} against my home which at that time was paid off. I borrowed from XXXX company who sold it to another and so on and at this time it is now with Bank of America. Even though I do n't make my payment to BOA, I pay my mortgage to a company called XXXX. In XX/XX/XXXX I got jammed up and got behind on my payment. When I finally got things squared away I called BOA and tried to resolve the problem. I told them that I would pay them {$1000.00} over my mortgage per month til it was caught up. The people that I spoke with said they could n't do that and that I had to pay it all to them at once. After that I started speaking with XXXX about the Obama Home retention program. At that time I did not have an attorney. They came up with a modified mortgage that was somewhere around {$450.00} per month and I had to pay that amount for 3 months and that was the my permanent mortgage payment. After I paid about XXXX or XXXX payments they sent me a letter and said that I did not qualify. To make a long story short I retained an attorney named XXXX XXXX from the XXXX foreclosure prevention project. After a long time we ended up in court and the judge awarded me somewhere around {$16000.00}. That was about 2 years ago. I About 2 years ago I was sending XXXX payments and they would send the checks back, saying it was n't enough. I think I have had about XXXX different modifications & gt ; what I am writing to you about is that I checked my credit the other day and I have XXXX hits against my credit and XXXX of them are from XXXX. When this whole XXXX started my credit was not that great but it was atleast close to XXXX or XXXX. As I said my lawyer and myself have been going back and forth with them for a couple years now. But they have all these hits agains my credit for either late payments or non payments. How can they put negative remarks on my credit when they will not even accept my payments???

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Monarch Recovery Holdings, Inc.
State: PA

Complaint narrative:
I, XXXX XXXX demand a complete purge of my personal information from an original creditor, a debt buyer and a debt collection agency. In fiscal year XXXX I filed for personal bankruptcy under case number XXXX, XXXX XXXX of Pennsylvania, United States Bankruptcy Court. At no time was a debt ( s ) from XXXX needed as my debts with XXXX were charged off in fiscal year XXXX, and the statute of limitations had run out on enforcement and/or credit reporting. As the Consumer Financial Protection Bureau is aware that the debt collection industry is broken, it does not give the right for federal collection laws under the Fair Debt Collection Practices Act to be use illegally. I attach XXXX recent collections mailed to me that are not legal, but my information can be considered stolen and now an identity theft issue that I must submit complaints about to the Office of Attorney General, Commonwealth of Pennsylvania. The Fair Debt Collection Practices Act is being violated as follows : XXXX no longer has a legal right to collect under restrictive guidelines in the Commonwealth of Massachusetts, as well as under the Fair Credit Reporting Act to report on credit, or the right to maintain a collection under the Fair Debt Collection Practices Act. Essentially, XXXX had a responsibility to purge my file and my personal information such as my social security number. My personal information has been illegally shared with a debt buyer known as XXXX XXXX XXXX XXXX and a debt collector named Monarch Recovery Management , Inc . 
Monarch XXXX Management , XXXX, claims that they are collecting a debt on behalf of a debt buyer named XXXX XXXX XXXX XXXX. There is no historical connection of a purchase of any debts from XXXX, XXXX, and my information was obtained by an illegal debt pooling process XXXX uses to obtain collections that are no longer legally enforceable. This is pure identity theft by a debt buyer and their counterpart collection agency known as Monarch Recovery Management , Inc . 
I am showing proof that illegal collection activities still go on in the United States, even after the Federal Trade Commission and the Consumer Financial Protection Bureau has fined these types of illegal activities in the millions of dollars. I demand that my files must be purged by XXXX, XXXX XXXX XXXX XXXX and Monarch Recovery Management , Inc. permanently. A follow up complaint will be submitted to the Office of Attorney General, Commonwealth of Pennsylvania within 30-days if I do not receive a purge letter from all three entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
The company claims that I owe a debt, I have asked the debt collection manager and their supervisor on how to dispute the debt, simply because I do not owe it. They both said you have to wait until you get your breakdown of charges, I have been waiting 3 weeks to recieve a breakdown of charges from this company. Called back and they advised that they sent it to the wrong address. I corrected the address with them again, and have not recieved it yet. The orginal company that claims I owe this debt has gone out of business. I went to XXXX XXXX XXXX in GA, and they do not show a judgement against me from the apartment complex or management company. I sent the collection ageny a fax containing letter asking for it to be removed, and proof that I do not owe the debt on my own not knowing the correct way to dispute it. They were only interested in talking about money, and not a way to get it corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I disputed an invalid debt on my credit report with Experian. The collection company alleges I owe a debt and they have not provided proof of the validity of the debt. I attempted to dispute the debt and 12 days after I disputed, Experian notified me stating that the debt has been " updated. '' When I called Experian, i asked them to provide me with the documentation they used in determining the unsatisfactory conclusion. The representative indicated they can not provide me such documentation as it is the creditors responsibility to fill out the form that Experian provides them. Furthermore, the representative stated that the creditor does not have to provide them with proof of the debt. At the conclusion of the call, The representative recommended I contact the creditor directly and ask them to provide me with proof. I stated to the representative that the proof needed from the creditor is impossible for them to provide ( i.e. A lease signed by myself or wife, a statement within the application agreement indicating that we would owe money to them regardless of whether or not we were approved ). She then instructed me to contact an attorney.

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 2015-06-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are XXXX accounts on my credit report that are not mine. XXXX is for XXXX ( debt collection agency is XXXX XXXX Solutions ) and the others are XXXX medical bills from XXXX XXXX. I never did any business with XXXX so I can only assume that this is a fraudulent account or they have the wrong person. The medical bills were not my responsibility, the insurance was under my ex-husbands name, the insurance was provided for his daughter at the time of service and there were no additional co-pays or fees. I have disputed these items with the credit bureaus, however, they remain on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-05 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a Victim of ID Theft I have a freeze on all of my credit files, I am concerned with my Experian file, I have never been contacted when companies are contacting Experian for my information. When I question at custom service they were very nonchalant about it. I was aware of XXXX inquiries yet I did not get any phone calls as to why or the confirm the inquiries. It makes me a little concerned and I want to feel protected because I was a victim with IRS. I am still very careful with my credit which is still damaged due to being a victim

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 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Pending Company Match
State: PA

Complaint narrative:
I called the Fed Loan Services to find out about Forbearance with parent plus loans. I was told to send in {$600.00} in order for someone to help me. 
This was after I gave all my personal information and received a run around from XXXX from XXXX different people there.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation
State: CA

Complaint narrative:
When trying to pay off my loan via ACH the company refused to post that same day and instead are posting after the weekend Thus accruing an additional three days of interest on my loan. I have dealt with predatory lenders with more ethical pay off routines.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
BMO Harris bank sent an offer to my house ... open an account with {$10000.00} for 90 days and receive {$200.00} bonus. I opened an account in XXXX. I went to cash out the acct a little over 90 days later and was told payment would be made 120 days after opening the account. I think 90 days MEANS 90 days NOT 120.

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 2015-04-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Freedom Mortgage is providing conflicting information regarding the date payments post or are received. If you call the automated system it indicated they reveived your payment on XXXX day and when you speak to a representative they inform you they received the payment on a different day ( for the same payment )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Franklin Credit Management Corporation
State: CA

Complaint narrative:
My loans ( XXXX & XXXX ) were originally with XXXX XXXX XXXX XXXX XXXX until they went under and were sold to Franklin Credit Management Corporation who is the servicer for XXXX XXXX, XXXX. I fell behind on my payments on my second mortgage and applied for a loan modification and sent in my documents. I received notification from XXXX XXXX XXXX that I was going into foreclosure and the Trustee was The XXXX Firm. After researching I located the Substitution of Trustee which was dated XXXX/XXXX/2015, however, this document was not recorded until XXXX XXXX, 2015, Three months later, additionally, there was no evidence that notice of the substitution was sent to me as required by law. The Notice of Default stated as of XXXX/XXXX/2015 I owed {$75000.00}, the Notice of Default was recorded on XXXX/XXXX/2015. I am questioning the validity of the Notice of Default, also, who was my previous trustee prior to the XXXX Firm, since the loan was transferred a couple of times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BMO BANK NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I have been a customer of DINERS CLUB for the past 20 years. During all past 20 years Diners club never submitted data to credit reporting agencies. In XXXX XXXX, Diners Club sent me a note stating that they start submitting data to reporting agencies. The letter did not inform me that the card will submit data in the past 2 years. Unfortunately, Diners Club decided to submit data for the past 2 years. Giving the fact that I have been a customer for twenty years during which the card never reported data, it is reasonable to assume that the data being reported should only include data from the time they informed me they will start reporting, not data in the past. For example, had I known that Diners club will report data in the past, I would have cancelled my membership. Or would not have made use of the extension they have for their clients to pay after 60 days instead of 30 days. 
This is not acceptable. The card never disclosed in their terms and condition when I signed up for a card in XXXX that they will report data to credit Bureau. The card should only report data from the time it informed its customers of its intent to report data and moving forward, not to go back 2 years. 
I am asking you to take actions that compile BMO HARRIS DINERS CLUB to only report data from the time they updated its client of their intention to report to credit agencies.

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 2016-08-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Franklin Credit Management Corporation
State: NC

Complaint narrative:
I purchase my home in XX/XX/XXXX, I had a XXXX mortgage as well to buy the home. In XX/XX/XXXX I asked the XXXX mortgage company if I could refinance the loan and include the XXXX mortgage with the XXXX. # # # # Bank is the first holder and they redid the loan to lower the interest and I thought they had included the XXXX mortgage so I stopped making payments on the XXXX mortgage. 
From XX/XX/XXXX until about 30 days ago I never got a letter from the XXXX mortgage, it also stopped showing up on my credit report. Now I am found out about the XXXX mortgage because I tried to refinance the loan again to lower my payments. I also found out they took it to court in XX/XX/XXXX and got a foreclose on the second note. I never got a notice from the sheriff department about this so I could have gone to court to defend myself. Now after I fell like I woke up the manner with them they have offered a loan modification that is more than I can afford {$13000.00} down and payments of {$1300.00} a month or they will foreclose on my home. I am now retired living on social security and hoped to live here the rest of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have contacted BMO Harris in regards to XXXX credit cards that I did not receive and was instructed to file a police report for fraudulent charges made on the XXXX credit cards. On XXXX XXXX, 2015 I was told to file a police report and that once the police report was received a resolution would take 7-10 business days and replacement cards would be mailed. On XXXX XXXX, 2015 I submitted the requested documentation and have contacted BMO Harris several times to follow up on the situation but when I call I receive different information as to what is going on. The very long hold times and lack of current updates have become very frustrating. I just want this issue resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation