vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-02 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had an automatic payment scheduled for my car insurance to come out on XXXX XXXX, 2015. Since the direct deposit for my payroll was XXXX XXXX, I normally would have asked the insurance company to delay a few days to ensure funds availability, however on this occasion I forgot. Realizing my mistake, I checked my account several times during the day and evening on the XXXX to see if the payment had been posted but the transaction was not listed on the website. In the event that the payment was posted on the XXXX, my plan was to borrow funds and deposit it into the account via ATM before XXXX. ( Previously a bank representative had advised me that an ATM deposit making the account positive before XXXX would help me avoid the fee. ) The following day when my direct deposit was applied, the previous day 's balance showed as negative then the fee was applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
After obtaining a home mortgage from Fifth Third Bank in XXXX XXXX, and closing with extreme difficulties and delays on XX/XX/XXXX, we had filed our complaint with your department. They responded on XX/XX/XXXX, after two months, with a letter justifying their delays & errors. They included a gift card for all of our troubles. Now, here we are almost a year later, with our money in escrow, we are hopeful that our homeowner 's insurance and property taxes will be paid by Fifth Third. We received our homeowner 's renewal dated XX/XX/XXXX, indicating that Fifth Third as a mortgagee, along with their address in XXXX and our loan number. What could go wrong? Well.. .yesterday, XX/XX/XXXX, we received a reminder from our insurance company that no premiom has been received for the XX/XX/XXXX renewal. I contacted the insurance company by telephone & they confirmed thar the annual premium is yet unpaid. I went to a local Fifth Third branch office on XXXX XXXX. in XXXX XXXX, who made a phone call to a mortgage department in either XXXX or XXXX. They would not talk to the personal banker to verify if the escrow dept. had the correct information regarding our insurance company. The banker gave me an XXXX number to call. I called this number, it was n't the correct department, so I was transferred to another person, still not the correct area, so I was transferred a third time, was cut off, started the process again. After talking to XXXX different people, finally spoke to a XXXX, who works for a firm hired by Fifth Third to pay homeowner premiums ( not a Fifth Third employee, but by far the most helpful ). She looked up our account and said due to Fifth Third recently hiring their firm on XX/XX/XXXX, oor renewal declarations and invoice were NOT sent to their company. Could I contact my insurance company or copy my renewal declarations and send to this contract company so they could begin to process a payment that HOPEFULLY would get to the insurance company prior to XX/XX/XXXX?!? I did not create this error, Fifth Third is responsible and once again, I am doing the follow up due to their internal processing errors. The rep ( part of a call center that I can not talk to again ) said she would call our homeowner insurance company to ask them to AGAIN resubmit our declarations and invoice. No guarantee this will happen, so I must domy own followups to both the insurance company and Fufth Third. If I had n't gone tothe Fifth Third branch or called and FINALLY got to the correct person, I would 've assumed that Fifth Third was going to pay our renewal premium. There is no guarantee that this will happen before our policy renews on XX/XX/XXXX. Now I am concerned that our property taxes wo n't be paid on XX/XX/XXXX. I will have to start calling again to insure that they have received the same notice we have received. Is no one accountable at Fifth Third Bank?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-06 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BMO BANK NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I write you as I believe I have been the victim of a consumer fraud across state lines which warrants a a certain level of investigation. What at first glance may appear to be a minor commercial dispute actually raises some very serious issues concerning consumer credit laws as well as IRS tax exempt status of the parties involved. 

XX/XX/XXXX I was illegally charged a {$200.00} membership fee on my Diners Club card ( XXXX ) by the XXXX XXXX XXXX through its proxy service agreement with XXXX. The XXXX XXXX XXXX claimed that I had authorized an automatic annual renewal of my membership for over {$200.00} per year. I never authorized the XXXX XXXX XXXX to automatically renew my membership nor did I authorize XXXX to automatically renew my membership. Furthermore, I never authorized the XXXX XXXX XXXX nor XXXX to hold and maintain my credit card information. Thus their actions were illegal. 

When protested and demanded that the XXXX XXXX XXXX reverse my credit card charges they refused to do so. It is my contention that the XXXX XXXX XXXX as an IRS sanctioned tax exempt organization crosses the line when exhibiting this behavior and should lose its tax exempt status. It also my contention that XXXX has built its entire business aiding and abetting this nefarious behavior by the XXXX XXXX XXXX and the other tax exempts that are its client base. XXXX should be ordered to cease and desist from these business practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XXXX XXXX, XXXX, I made arrangements with the 53rd Bank # XXXX, XXXX, XXXX to settle my outstanding debt in exchange for my payment the company agreed to remove the account and all references from their records and the XXXX credit bureaus ( XXXX, XXXX and XXXX ). As agreed I sent the checks and a letter to support that the payments were a part of our agreements. After 60 days I noticed that all XXXX of my credit reports were not updated to reflect the agreements and the items are still being reported as delinquent accounts. On XXXX XXXX, XXXX, I mailed a letter to the creditor to request that they uphold our agreement and I sent a copy of the agreement letters, proof of delivery, bank check payment verification for all of the accounts listed. As XXXX XXXX, XXXX the creditor has not removed the account from my credit reports, they have not responded to any of the proof that I sent that the accounts were paid in full and per the written contracts the debt is still being illegally reported and they accepted the terms of our agreement by cashing the checks. My credit bureau disputes are being ignored and my consumer rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
Disregard the above paragraph, none of your choices fit. We sold our home on XXXX/XXXX/2016, and BMO was paid off by the closing agency. 
the problem is we have not received our escrow balance.

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 2016-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Business and Consumer Solutions.
State: ME

Complaint narrative:
I was contacted by a company calling themselves FBCS Inc. They made claims that I owe {$1200.00} on an account from XXXX XXXX XXXX. They also stated that it was a XXXX Credit card. I have never had a XXXX XXXX. They asked for my social security number and information that I did not want to give out. They where forceful and rude. I told them it was n't my card, and that nothing like that has ever been on my Credit history, which I check frequently. They said they would send paper work out to my address so that I could claim it as fraud. The paper work is asking for my social security number and all confidential information that I do not want to share. They could not verify any purchases made with the credit card. I did some research and found that XXXX also financed XXXX and XXXX XXXX credit cards, but again I have never had either of those cards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
The account reported to my credit report needs to be validated. I have no knowledge of this account. I am requesting full validations. 
Not the seeming verification process. I do not understand how and why this was reported. requesting how the information was submitted.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received a collection letter from XXXX claiming I owe Fifth Third Bank of XXXX OH {$1600.00}. I have never done business with this bank and have no debts other than XXXX and XXXX credit cards, which I pay off monthly, and my home mortgage with XXXX XXXX. I have read on the internet of others receiving false claims for Fifth Third Bank through XXXX. My identity was stolen several years ago. It took me a year to straighten it out, and I have no patience with this type of thing now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: ROC Asset Solutions, LLC
State: IL

Complaint narrative:
SKIP TRACED ALL FAMILY MEMBERS CELL, WORK, HOME NUMBERS CALLED AND WILL GO TO JAIL IF YOU DONT PAY! IN VIOLATION OF FTC, FDCPA, TCPA, FCRA ....

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Law Office of Linda Strumpf
State: NY

Complaint narrative:
I never received any communication from the original creditor or the law office that is now handling this so called debt that they bought in XXXX, and now as of XXXX they have froze my back account. I was never notified to appear in court, never received a phone call or letter stating what this debt is for, and when I try to contact the office nobody is available to speak with me. The lawyer who froze my account is XXXX XXXX. The only reason I know of this debt is because my bank was notified and gave me a copy of the letter that was addressed to them, not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: WI

Complaint narrative:
I sold a home in XXXX wisconsin in XX/XX/XXXX. The home was at XXXX XXXX wisconsin XXXX. My morgage company Freedom mortgage Loan # XXXX. At closing I paid the taxes due then shortly after that my morgage company paid them too. The town of XXXX sent the check back to the morgage company XXXX XXXX. I have given them proof that taxes were paid and I have given them proof that XXXX XXXX sent their check back after more then 30 calls to them and over two months I have not recieved my escrow from them. their number is XXXX. My phone number and address is XXXX XXXX XXXX XXXX wisconsin XXXX my phone number is XXXX

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 2017-02-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: SIERRA PACIFIC MORTGAGE
State: CA

Complaint narrative:
I contacted my current mortgage company to refinance my existing home loan. I have provided all the information necessary. I had my property appraised and they were able to lock a desirable interest rate. I was following-up on the status of the refinance since I have not heard from them and found out that the employee handling the loan has left the company. I called customer service and it took them a while to get back at me. I was finally able to get a hold of the right person. They were responsive for few days and have now ignored me. I had to apply to another financial institution. With the move, I have to get another appraisal. The worst part is I can not get the same lower interest rate. Why do I have to suffer because the Company has no policy in transitioning client files when an employee leaves. Also, why are they now ignoring me after realizing they are unable to provide the same lower interest rate that was locked but expired because of their own doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
My student loan increases day by day because Department of Education institution are adding {$5.00} dollars each day. I had to ask to the Treasury Department that they deduct from my Social Security retirement benefit check as survivor of my deceased husband a XXXX or XXXX quote because I could not afford the amount that XXXX XXXX first and NAVIENT later was requiring from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XX/XX/2016, I made a car payment via Ally Financial 's website. The payment was to pay my XX/XX/XXXX car note. Though the payment was late, it was NOT 30 days late. The payment was made via the website to assure I would not go over 30 days. Eventhough, I paid the payment via the company 's online website on XX/XX/2016, the payment was due on the XX/XX/2016. Apparently, because XX/XX/2016 was a holiday, Ally did not give me credit for the payment until XX/XX/2016, which is date my bank account was debited, not the day I actually paid the payment. Because of this, my payment was flagged as a late 30 day payment and late fees were assessed. Ally credited my account the day the money was debited, instead of the day the payment was actually made on their website.

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 2015-06-05 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo Home Morgage is sending me Certified Letters referring to " my loan '' that is in default for a home loan I never entered into. My spouse refinanced a home loan in XX/XX/XXXX and I was never on the application, never signed and never entered into any financial obligation with Wells Fargo. Since my spouse had this debt discharged in bankruptcy in XX/XX/XXXX, Wells Fargo Home Mortgage is attempting to collect from me. THIS IS NOT MY DEBT. I never signed any Promissory Note, loan application or other loan documents. I also completed a Quit Claim Deed in XX/XX/XXXX in which I released/conveyed any legal interesest in the property. Wells Fargo Home Mortgage should not be sending me any correspondence and I should not even be involved as I am not an owner and NEVER participated in, not signed any loan documents. This is not my debt. They are threatening to take action and I do not have funds to hire attorneys. They know this is not legally my debt and they know I am not an owner of this property. They have ignored correspondence reminding them of this. I need help to have them stop harassing me for a debt that is not mine. Wells Fargo is known for deceptive and unethical business practices as evidenced by court cases involving this. I have many medical issues and unable to work and therefore, am not able to deal with being illegally harassed for debt that has never been my debt and for issues regarding a property for which they known I am not an owner. Please help me stop the harassment by and unethical, illegal practices by Wells Fargo Home Mortgage. Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My wife and I acquired a " mortgage '' loan from Wachovia in XXXX XXXX. In XXXX, we found out that our mortgage agent ( XXXX XXXX XXXX ) was arrested and charged by the FBI for mortgage fraud. 
XXXXXXXXRecently, I went back to view and calculate our mortgage payments and found out that this loan is not like your traditional loan and we have been paying ridiculous interest charges for almost 8 years. 
This is a loan that pays on principal and interest ; however, interest accrues daily. Here are the issues. 
- XXXX XXXX, we had and still have great credit. Per the Wachovia loan officer, this loan was similar to a VA loan but " less paperwork ''. We got a mortgage loan for in the branch office with this agent ( she was the closer to ). We also got an equity loan on the same day. She pushed this loan into our lap. Home appraisal was at more than what we borrowed. Plenty of equity to get a VA loan with favorable terms for us. This loan is no longer available and there was know real estate attorney involved. 
- XXXX my wife requested a copy of the appraisal. Per the mortgage agent " file was thrown away '' - XXXX We have XXXX auto loans, XXXX checking accounts, XXXX different mortgages at Wells Fargo and no one will assist us with fixing the loan which they did not follow the law. After researching, we feel that they have violated the Home Ownership and Equity Protection Act of XXXX. This loan is no longer available ; hence, a type of predatory loan. I was told that the loan is an entire home equity loan. The front of the mortgage states that the payments are for 360 months. I just made a payment and our entire amount went to interest. So the 360 months is not true. As this is definitely deceptive and unfair, this violates the law. 
- As a veteran, as she knew, we should have been offered a VA loan or other loans with sensible financial terms and not this predatory loan which was sold to us from a crooked mortgage agent who lied to us. Now, we also think that we had a fraudulent appraisal. 
I have requested Wells Fargo to do their due diligence and go back and review our files. They are not willing to assist nor do they care. We are not looking for a bail out but expect them to be held accountable and fix which was done illegally. 
Thank you for your time,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-10 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
My wife and I have individual credit card accounts through Bank of America. We XXXX were able to pay them off ( prior to the payment due date ) recently and had a zero balance. On the next statement, Bank of America attempted to charge us interest, {$16.00} for my wife and {$9.00} on mine. I do n't trust Bank of America and this makes me wonder how many people have had this happen and actually paid the interest charges. I can provide any details you might need. After calling, their automated system resolves the issue. 
I just feel like they are attempting to make money illegally by taking advantage of consumers who do n't understand their rights.

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 2015-03-20 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have advised creditor of a chapter XXXX bankruptcy over a year ago and to please cease contact they still continue to call and threaten legal action is being pursued

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
I already filed a complaint against the issuer JP Morgan Chase. This is against their collection agency who is harassing me. The credit card was under my corporations name, XXXX XXXX XXXX, which filed Chap XXXX in 2011. I never agreed to, nor signed, any personal guarantees on this debt. This whole process is unfair, unethical and illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Avant Credit Corporation
State: IL

Complaint narrative:
XXXX XXXX WAS SETTLED OUT OF COURT AND TRADELINE WAS SUPPOSE TO BE REMOVE FROM XXXX AND XXXX. ( SEE ATTACHED ) ALSO, VIOLATED T.C.P.A. VIOLATIONS CALLING MY HOME AND CELL NUMBER AFTER SENDING CEASE AND DESIST ETC..

Company response to consumer: Closed with explanation