vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-20 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I am submitting this complaint on behalf of my son ... my son is in XXXX several months ago ... my son received a letter dated XXXX XXXX. 2015 from Levy and Associates..they were attempting to collect a debt for a total of XXXX ... I immediately sent them a cease and desist letter dated XXXX XX/XX/2015 ... 
I stated in this letter that my son in no way shape or form has XXXX and has a surmounting pile of medical bills due to his XXXX at the moment..he has no income coming in at the moment and literally has no money..and does not need this stress of a debt collector hounding him..the letter was signed by myself and.my son as well with some assistance..today..XX/XX/XXXX I received another letter from the same business..Levy and Associates dated XXXX XXXX still attempting to collect from my son who is still in rehabilitation for a tottal of XXXX ... so instead of sending them another cease and desist letter I am filing a complaint with you in hopes of getting this issue solved..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
Submitted a short sale package to Loan Care via Fax XXXX & email at XXXX on 3 occasion since XX/XX/2016 with confirmation transmittal received. I have follow up on several occasions only to be told that they did not received it and asked that I send again. When I call to follow up and I give the confirmation number, they hung up and not the system. Its been over a month trying to get the right caring person on the phone. Final after an hour of hang ups, I was able to reach XXXX, Agent ID XXXX, and he was able to verify that I had called and also requested an expedite on this HAFA short sale, and that XXXX did received my " FULL '' short sale package and he was not sure why no one entered it into the system to be assigned. XXXX not a good company and should not be servicing loans ... and they needs to be accountable just as the likes of XXXX, XXXX and others. I need you help in getting the lender to do its job and would like them to expedite this short sale since they dropped the ball. Customer Service in Loss Mitigation is no-existent. 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 2015-07-27 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: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
I am continuously being hounded, because of a debt that I 've proven to be brought on by identity theft, and therefore invalid. This time, a different collection agency is looking to collect.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
I have paid off a loan and the lender Freedom Mortgage has sent me all the paperwork indicating the loan is paid and closed. However they keep reporting to XXXX there is a balance owed and when I contact XXXX XXXX of Freedom mortgage she refuses to return my calls or make the corrections. The company has made the corrections to XXXX when pressed however they have corrected XXXX then reported balance due again.

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 2016-12-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: WI

Complaint narrative:
Our home mortgage was sold in XXXX of XXXX to Freedom Mortgage. Throughout the life of our loan, we paid into an escrow account that paid our taxes twice per year. Once in XXXX and again in XXXX. When the loan was sold, Freedom claimed that our account was set up to only make a single tax payment from our Escrow account, however we have records that indicate in XXXX it was paid in XXXX and again in XXXX. Freedom conducted an escrow analysis in XXXX of XXXX that indicated we had a " projected shortage '' of {$3900.00} dollars. Which was absolutely ludicrous as our taxes are only {$5700.00} per year and we pay roughly $ XXXX/mo towards our escrow account. Every time we tried to speak with Freedom, they said they " would start an investigation '' and would " follow up '' with us or we were disconnected or was told contradicting information. XXXX representative told us that the {$3900.00} was a shortage from XXXX that they paid for us so that was why we were having to pay it back another said it was a " projected shortage. '' Multiple times we requested that they change back our payment schedule to twice yearly, however they never did and instead broke up the {$3900.00} shortage into 12 month payments for us to " pay back '' which resulted in an approximate increase of $ XXXX/mo to our mortgage. We have recently refinanced with another lender just to be done with Freedom but in the meantime have paid the increased mortgage amounts to avoid late fees/credit reporting as we have outstanding credit and have never missed or been late with a mortgage payment. I 've never felt so cheated about something in my life and Freedom has continued to show poor business practices through our refi sending the wrong payoff amounts multiple times over, which I can only believe was intentional to stall the loan payoff through the end of the year. At this point, the payoff was wired to Freedom today from our new lender, we had to increase our loan amount by roughly {$2500.00} because they did n't send the accurate loan payoff number, they now have over {$5000.00} in our escrow account and we have very little faith that they will return that money within the 30 day requirement.

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 2015-03-30 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA

Complaint narrative:
I had an account with fifth third bank that I had not used in over a year. There was a single deduction still being made from the account that I was unaware of. I was notified by an automated phone call that there was a problem with my account which prompted me to call the bank. Upon making this call I learned that there was an over draft ; informing me that the account -- that I thought was inactive -- was actually still being debited. I asked the individual how I could bring the account current ; the option of just paying the debt via a credit card ( which I later found out would have been an option ) was not offered. He offered no solution other than for the company to whom the payment was made to refund the money to the bank. I have never received any mailings regarding the account being delinquent or overdrawn from XXXX bank. I did, however, receive a mailing from XXXX XXXX collections agency to my correct and current address which they stated was obtained from fifth third bank. I am curious as to why the bank did not send me any notification of the accounts status or its pending transfer to a collections agency. I have subsequently paid off this debt in full to the collections agency but am unhappy that a customer of any bank could be sent to collections without proper notification ; particularly after I had reached out to them to correct the problem. It is also interesting that the collections agency actually obtained my address from XXXX bank per their employee ( name and employee number in my possession ). And, to boot, the account could have simply been brought current and closed over the phone avoiding all of the hassles and headaches thus far.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 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 tried opening a XXXX account, but was being reported by Early Warnings, saying that I had a 5/3 Bank Account in my name I 've never banked with them before.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
We provided all the documents they need to refinance our home mortgage. Home appraisal was done from our pocket. We were very upset about the XXXX months waiting for this home refinancing. We just wanted to rate the service of XXXX XXXX XXXX # XXXX as very, very poor and we would like to file a complaint about our experience ; very poor in communication! My husband called the secretary or assistant more than XXXX times and left a message all the time XXXX and also called XXXX 's cellphone so many times but no reply at all. We highly expected that they could help us with our loan because we were struggling financially and we were living paycheck to paycheck and hoping that they could lower our monthly payment and it did n't happen at all. All we want is their communication if they 're still going to process or not. We have waited for nothing! The money that we spent for home appraisal was wasted. And without them knowing, we paid late payments for our home mortgage and other bills because we 're expecting that it will be closed soon. We have an option to look for another banker or lender, so it could be done as fast as XXXX days. But simply informing us that they ca n't finalize the loan is an easy task to do but we did n't hear anything from them at all. Even my questions, worries and anxieties were not answered at all ( especially those bills that came regarding supplemental tax bill and updated home insurance ) which were already late too. He do n't have a heart to help others! We wasted a lot of money and time for nothing!!! They keep on giving us promises that it will be close by XX/XX/XXXX, then XX/XX/XXXX and now around XX/XX/XXXX or XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
I applied for a refi in XXXX XXXX. Freedom Mortgage has been completely unorganized. They continually are switching my account to different employees ... Losing my documents.. Requesting and re-requesting documents. They have lost information. It has now come down to where they wo n't honor my locked in interest rate and want to charge me additional fees. Freedom has caused the delay, with hiring and firing and losing documents. 
No one is on the same page. It has been 6 months. One person will tell me that the Quick Claim Deed does not prove that I am not financially responsible for another home in my name.. While another will tell me different. I am completely frustrated and feel like they are pushing me around because the rate has changed and want to charge me more fees. I have all emails since XXXX XXXX and all documents that I have provided up til now XXXX XXXX. Is there something that can be done? If I drop the refi.. They will bill me for appraisal and I will lose out on rate???

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 2016-02-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Freedom Mortgage Company
State: NV

Complaint narrative:
I am in the process of closing escrow on a new home, escrow is supposed to close XX/XX/XXXX. 
I have sold my current home, and both my home now and my new home should close escrow on the XXXX. XXXX title has requested a payoff on my current loan from freedom mortgage about 2 days ago, should only take 24 hours to respond. Freedom mortgage still has not responded. I called freedom mortgage today which is XX/XX/XXXX, talked to a woman who said she would fax ticor title right away. She also said it would take ten minutes. She also offered to e mail me a copy of the payoff and I agreed. It 's been 3 hours and still no response. I reminded freedom as to how important it is for them to respond to XXXX XXXX as I have 2 weeks until I 've got ta move and it just seems as if they do n't care.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation
State: TN

Complaint narrative:
On line loan.. Every time I log into the website onto my dashboard, I would receive an email of adverse action stating that I applied for a loan on that date, the date i visited my dashboard, and that they were not able to refinance my loan, this has happened more than 3 times, at no time did I ask to refinance my loan, I did not give them permission to pull my credit report, this alone is a violation on their part, I still have the emails of adverse action in my computer, after checking for complaints with the XXXX I have found that I am not the only one who has experienced this. On top of this Avant holds all documentation, consumers are not emailed the documents concerning their loans ... interest is compounded DAILY ... There are deceptive and unethical acts practiced by this company. Every time I complain to the " customer representative '' about what happens when I visit my dashboard I get the response that it will be reported to their IT Department, do they even have an IT Dept?. No attempt to correct this is made on their part, all one has to do is just log in to their dashboard and this will happen as soon as one logs out. This company signs your name electronically to do this, They still have to have your permission to sign electronically, this is yet another violation. This is done even when you need to change your payment date and they talk so fast so that you can not understand what is being said even when you ask them to repeat it they again will talk fast that it sounds like words are jumbled together, this is deception. The times I talked to any representatives, this would be the reaction i would get. I am looking and will be pushing this into further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation
State: WI

Complaint narrative:
XXXX has inaccurate info on my credit report from Avant Credit and has not removed it, my dispute was initially file XX/XX/2016. I had permission from Avant to miss one payment, then I had to re-sign a repayment agreement with them ( which they added {$1000.00} to the loan ) and it was supposed to remove any negative info. XXXX has corrected the info, XXXX has not and after being on hold with them twice for a total of 30 minutes today waiting to talk to a stat side supervisor ( which never happened ) I am filing a complaint. They show XXXX missed payments with a credit score of XXXX, XXXX score XXXX. I have already missed out on a job opportunity because of this and pay higher car insurance premiums. This needs to bbe corrected immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Franklin Credit Management Corporation
State: CA

Complaint narrative:
We have tried to communication with our investor on the XXXX lien. XXXX lien Collectors have refused to provide information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I 'm filing a XXXX complaint against Equifax today arising out of their refusal to remove a XXXX tax lien that was withdrawn by the IRS, which it is now falsely reporting as active. 

( My XXXX complaint is case # XXXX XXXX involves XXXX lien that the IRS withdrew. A copy of that withdrawal is attached for your reference ). 

The IRS withdrew a XXXX lien. ( See attached copy ). Per the attached notice from Identity Guard, received today, Eqiuifax is now falsely reporting that this lien is active. ( See attached ). 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ORG GC GP BUYER, LLC
State: FL

Complaint narrative:
I entered into a rehabilitation program on my defaulted account ( s ) and setup automatic payments each month to get my loans out of default. I noticed there was no automatic withdrawal on my bank account the next month ( month2 ) so I called the company who I have the arrangement with and gave them my payment information again. XXXX XXXX and XXXX I verify that the payment is withdrawn from my bank account. On Month XXXX I call the company I have the rehab agreement with to change my billing information, I am opening an account with a new financial institution and need to update my billing information. To my dismay, they inform me that I have n't been making payments and need to re-commit to the rehabilitation program. I check online and clearly see that the correct amount is being withdrawn monthly at the correct dates using the automated process setup over the phone. The company informed me that even if my proof of payments was satisfactory for them that I still missed payments and would have to start the program again. This is unacceptable to me. 

My original financial institution mailed me an official statement with the XXXX " missing '' payment information on it. I 've mailed a copy to the u.s. department of education and I 've emailed a copy to the company I 'm dealing with. 

I no longer trust this company. While in communication with them I 've had to explain the entirety of my situation to many new representatives and supervisors because they do n't understand details of my case. In order to stop that from happening a representative informed me that my case would no longer be moved but I was moved anyways. No matter how small, errors like that are unacceptable. 

I have started a new rehab program with the same company and have been making my payments on time. I believe my rights have been violated but I do n't know what to do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Williamson and Brown, LLC
State: VA

Complaint narrative:
I have a few debt collectors that have tried to collect on a debt that has been paid, for a while now, and they say I still owe it. This is for a credit card, I have faxed the letter from when I paid it and they still keep sending it to different collection agencies. This has affected my correct score. Please help with this.

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 with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Bank account or service — Savings account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
HiI received a notice that my account had fraudulent activity and they were issuing me a new card : see notes belowATM/debit card ending in XXXX XXXX XXXX, We 're letting you know your ATM/debit card may have been part of a compromise at an undisclosed merchant. This does n't mean that fraud has or will occur on your account. However, as a precaution, we issued you a new card that will arrive soon in a Bank of America ( R ) envelope with a XXXX, Delaware, return address. 
Please activate your new card as soon as you receive it. And, keep in mind : Your current debit card will deactivate on XXXX/XXXX/2015 or when your new card has been activated, whichever comes first - If you have an ATM-only card, it remains active until the deactivation date regardless of when you activate your new card Your PIN and checking or saving account numbers are unchanged. 
Your security is important to usAs always, your card comes with {$0.00} XXXX XXXX which means we 'll credit fraudulent charges made with your card back to your account as soon as the next business day, if promptly reported to us. 
Also, your new card now has new chip technology that provides stronger security when used at a chip-enabled terminal. For more information, visit bankofamerica.com/chipcardfacts. 
We 're continuously monitoring your card ; however, if you do notice any transactions you did n't make, please call us at XXXX. 
I have overdraft on my account and and i informed this back two days ago that I needed to make a large purchase today. They put a hold on the overdraft funds from my savings account and I ca n't also access my regular funds from savings. I verify the transaction to the fraud department and I was told by the fraud department to wait XXXX hours so that the hold will release. I was able to get out XXXX and needed to get out XXXX in total. I do not believe they have any justification to hold my funds nor apply it to my account if I have overdraft which I just took off my account today. XXXX the supervisor in customer service just helped me after I informed them I was making a complaint the XXXX. 

Kind Regards, XXXX

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