vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Adjustment Service, Inc.
State: NY

Complaint narrative:
This is related to another complaint I filed today but I have discovered the name of the collection agency that posted inaccurate and unverified information to my credit report. The information was filed by " Diversified Adjustment Services, Inc '' on behalf of XXXX. This collection agency did not, as I requested, send me any proof that they were the holders of a debt that I owed. They showed no proof of assignment from XXXX to their agency and could not even verify the account information. I disputed the debt but instead of erasing it from my report they included false information such as " 30 days late '' which does not even exist for a collection item. The account was subsequently sold to XXXX, who I called and they deny having filed any info with the credit bureaus. The actions of Diversified/XXXX and/or XXXX have caused my XXXX credit score to plummet over XXXX points.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
I canceled my credit card with Fifth Third Bank. Then due to a scandal with XXXX they re-issued a card to me without my knowledge and started charging me late fees, over the limit fees and other fees. Now they are threatening to send me to collections and repossess my car until I pay the fees. There is no record of this card and the credit card number does not match my cancelled card. I think it 's a scam, when I have paid the minimum fees there 's no record of the payment, I do n't understand where my money is going? This company is a fraud and I 'm tempted to sue them for the inconvenience and troubles it 's caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-09 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: Financial Business and Consumer Solutions.
State: NV

Complaint narrative:
XXXX XXXX XXXX seeks to collect on a debt that is barred by the California Statute of Limitations. The debt is not mine and is unenforceable against me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-05-20 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MO

Complaint narrative:
Fifth 3RD Bank is reporting an derogatory or adverse credit item to all of the credit reporting agencies ( XXXX, XXXX, and XXXX ). This credit item was listed and discharged in my Chapter XXXX Bankruptcy filing dated-XX/XX/2013. See attached filing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-17 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I was traveling for work last week and had unknowing overdrafted my account with Fifth Third Bank. I was n't informed about this and instead was charged {$37.00} per charge on my card, most of which were necessary work expenses, as I do not carry a credit card. At the end of the week they had charged me around {$700.00} in overdraft fees and completely took my most recent pay check, preventing me from paying medical bills, student loans and a credit card bill. I asked if they would be willing to negotiate and informed them of the devestating effects this will have but they declined. I feel wronged as I was not informed that 1 ) I had overdrafted, 2 ) They were charging me a fee per charge and 3 ) That my overdraft protection was, for reasons they were not able to explain, not working.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I have a home mortgage loan with Ditech. My name is XXXX XXXX. My loan originated with XXXX XXXX XXXX XX/XX/XXXX. I purchased my home with over 30 % deposit and decide not to set up an an escrow account to impound property taxes. Several years ago XXXX sold the loan to Greentree financial, then Ditech took over Greentree loan. I have never been delinquent in paying my mortgage ever. My spouse pays the mortgage automatically through his checking account electronically. I received a Call from a Ditech XX/XX/XXXX debt collector indicating I needed to call them. They were stating they were debt XXXX. I called them and apparently they are collecting for taxes they paid and late fees. I paid the property taxes, but asked them to not impound the taxes. I requested they waive those junk fees, because I pay my own taxes as my mortgage documents stipulate. ( loan # XXXX ) I also asked for a proper verification of debt, they refused. They refused to undo the impound escrow account. I was transfer from rep.to rep. I paid the taxes, even though I did not have a verification of debt, cause online statement says they paid it on the XX/XX/XXXX. They were due on XX/XX/XXXX. I made a payment today of {$1500.00} to go the property taxes. I want them to provide an itemization of what they paid, to do a reversal of all the junk fees they put on. My payments have always been on time. they refused to let me speak with managers, and did not respond to the fax I sent XX/XX/XXXX. I do not want them to report my payments as late. they need to review the docs I signed with XXXX to see I pay my own taxes and insurance. this is a ploy to try and foreclose on my home illegally. Property address is XXXX XXXX XXXX, XXXX CA XXXX. The XXXX county treasurer tax collector said they have created a lot of problems for home owners such as me. I ask for your assistance to solving this problem, since no one at Ditech cares about fixing the errors they made which are causing me financial distress. They also sent a debt collection letter with some other persons name one it and a different collection amount. They admitted sending lots of these letters out in error. I believe they did this to collect fees in an illegal manner. This predatory lending practices and it is unethical. Please assist me if handling this problem and email me at XXXXXXXXXXXX This is so stressful. I never had a problem with XXXX XXXX XXXX when they handled the loan. Thank you, XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America is reporting debt balance as due on credit report after XXXX was issued discharging the debt. 

I lost my house to a XX/XX/XXXX foreclosure with XXXX during the foreclosure mismanagement and mortgage practices documented by State and Federal investigations ( XX/XX/XXXX National Mortgage Settlement ). Prior to the foreclosure I opened a line of credit with Bank of America ( BOA ) in XX/XX/XXXX for house repairs and modifications. I became financially unable to continue the payments after the foreclosure for the BOA line of credit debt and the account was charged off in XX/XX/XXXX. 

In tax year XX/XX/XXXX, BOA issued a Form XXXX ( cancellation of debt ) in XX/XX/XXXX discharging the credit debt. I consulted my tax advisor and filed the XXXX with my XX/XX/XXXX taxes. I reviewed my credit report XX/XX/XXXX and BOA has a balance due for the amount that was discharged. I contacted BOA and was informed the amount is still due ( BOA issued XXXX discharging the debt in XX/XX/XXXX ). 

I submitted disputes along with a copy of the XXXX to the XXXX credit reporting agencies ( part of my dispute was the account is not a charge off but a discharge based on the issued XXXX ). XXXX was the only agency that did not report the balance. Fast forward to XX/XX/XXXX and I reviewed my credit report again which still reflects a balance for the discharged debt with the XXXX credit reporting agencies. I contacted BOA and was informed that they will not remove the balance to reflect XXXX ( BOA issued XXXX discharging the debt in XX/XX/XXXX ). 

I was advised by another entity to submit a complaint to the CFPB for assistance with BOA to reflect XXXX on my credit report after a XXXX was issued discharging the debt. I plan on submitting a second dispute letter to XXXX and XXXX XXXX within the next XXXX hours. I am a XXXX Veteran and did not use my VA loan to purchase the house that foreclosed in XX/XX/XXXX. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: WA

Complaint narrative:
I began receiving daily phone calls from XXXX ( a New Jersey number ) on XXXX. This is a number I do not recognize, and when I pick up the phone the response is silence even after waiting a few moments. I looked up the phone number online and apparently the phone number is coming from a company called Southwest Credit Systems but I have no confirmation of this directly as no one speaks on the phone when I answer the call. So far the phone calls have occurred on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 

It appears this company is a collections agency. I checked all XXXX credit bureaus and all of my bills are paid in full with no issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-06-12 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: Stillman, P.C. d.b.a. Stillman Law Office
State: MI

Complaint narrative:
In XX/XX/XXXX I was charged by XXXX nearly {$700.00} for services I did not use. Thru multiple telephone conversations XXXX finally admitted that the bill might have been improperly charged. Being that no debt appeared on my credit report I assumed the matter was cleared. Now I find nine years later an attorney in XXXX, Stillman Law Office, has garnished my State income tax return. The most incredible part is this situation is the " debt '' is outside the statute of limitations. Even if it were legitimate The Michigan Judicature Act of XX/XX/XXXX clearly states that this is an attempt to collect a bill that was charged to me nine years ago. Would you please help me with this?

Company response to consumer: Closed
Consumer complaint received 2015-05-04 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: ERC
State: OR

Complaint narrative:
Collection under a person with similar but different name was requested under my name. I have received the original invoice from the collection company ( Enhanced Recovery Company , LLC ) to confirm that this collection is forwarded to the wrong person. I have requested to dispute the collection company as well as XXXX on early XXXX 2015, however, no action is taken.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-04 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Called Bloomingdales Credit Card on XXXX XXXX to start a claim for XXXX fraudulent charges that were made from XXXX XXXX totaling XXXX {$1200.00}. It took Bloomingdales two months to mail a Statement of Fraud for me to sign and return. I mailed the signed Statement of Fraud to Bloomingdales which was received on XXXX XXXX per USPS tracking. It is now XXXX XXXX, approximately 4 months since the claim was opened, and there has been no communication by Bloomingdales to me. I have called numerous times for updates. Only response I have been given is to continue to call back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
My name is XXXX XXXX XXXX. I send in my information about my mortgage and how XXXX XXXX and Ocwen is doing Fraud on my mortgage. I never heard back for consumer Financial If you find any thing that can help me save my home. my number is XXXX have about month before I 'm on the street

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BMO BANK NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Unfortunately I do not have a scanner to send a copy of my existing paperwork, but I will try to describe my paperwork the best that I can. 
On XXXX XXXX, XXXX, I received a letter from XXXX Harris Bank ( XXXX XXXX XXXX XXXX, XXXX, IL XXXX ) with the following information : " As you know, M & I and Harris joined to create BMO Harris Bank N.A . last year, but have operated on separate networks and systems as we work to complete the integration. At the close of of business on Friday, XXXX XXXX, XXXX, that process will culminate in the transition of your deposit account ( s ) and services to the shared BMO Harris system. '' On the back of this paperwork there is listed a BMO Harris Account Summary : IRA Growth Money Market ; ( last XXXX digits of account no. ) XXXX ; ( new name of account ) IRA Premium Savers. 
On XXXX XXXX, XXXX, I called BMO Harris Bank ( at telephone niumber XXXX ) to inquire about the account and was informed by XXXX ( customer service ) that the account has been closed. I asked, " When was it closed and who closed it. '' She said it was closed in XXXX and she was not sure who closed it. She put me on hold to find out more information for me. She came back to the phone and said that someone was researching it and she would call me back with an answer, probably before closing that day. 
XXXX called me back the next day, XXXX XXXX, XXXX, and left a voicemail that she was typing the information into my records on their computer and I could call back and speak with anyone who can pull up the information. I called back and talked with a lady who said that my account was closed before the M & I and Harris merger, and transferred to XXXX and that is all she knew. I asked, " what is XXXX? '' She said she did not know. I asked to speak with a manager, and she said they would tell me the same thing. I asked, again to speak with a manager and she put me on hold. I held for 20 minutes and hung up and called customer service again. I was told by another lady that the account was transferred to XXXX. I asked what is XXXX. At first she said that she did not know, then she put me on hold and came back and said that it was a bank.. I asked if they had a telephone number and address, and she said she did not know it. She said that I could look it up on the computer and that was all she knew.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
i was told when i initiated this mortgage that bi-weekly payments would be credited when made thru autopay. i now find out that is not true. although i made payments on the XX/XX/XXXX and XX/XX/XXXX, the payment made on the XX/XX/XXXX was not credited to my principle until the XX/XX/XXXX. had i known this i would never have done business with freedom mortgage. i will certainly never do business with them again and would recommend to anyone i can to avoid freedom mortgage. dealing with freedom after closing has been a very unpleasant experience.

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 2016-07-19 00:00:00
Product: Credit card — 
Issue: Other — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
In XXXX 2016, I opened a checking account with Fifth Third bank. Once the account was setup, I used the mobile deposit app on my smartphone to deposit XXXX money orders. A few days later, I lost online access and I received a letter in the mail stating that the Money Orders were fraudulent. 

I was able to deposit the same money orders with XXXX XXXX XXXX. 

Earlier this month, I applied for a Fifth Third Credit card and was approved. I wanted to have online access to the account so I can manage the account and pay online. Security & Fraud department of Fifth Third Bank would not allow me to have access online because my account is locked because of the issue above with the Money Orders. 

I was told to contact my local branch and they might be able to request an over ride with the Fraud Department. Local bank requested they need to contact XXXX XXXX to verify the Money Orders are valid. XXXX XXXX said Fifth Third Bank needs to make a conference call with me on the line. 

I have not heard from Fifth Third Bank regarding the conference call with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caneel Capital, LLC
State: TN

Complaint narrative:
I had a 2nd mortgage that was forgiven in XXXX. Somehow Trinity got copies of my mortgage instrument which does not show any assignment to them. They first sent me a letter for approximately {$2000.00}. Then for each letter they sent me, they charged {$500.00} per letter. They finally attached to the title of my house. They just did this in XXXX. I had never heard from this company and they attached to my house for {$18000.00}.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
I was working with Freedom Mortgage on a mortgage refinance. Every time I was asked for information, I always responded with 24 hours of the request. After not hearing anything for quite some time, I reached out to my loan processor to ask for the status. He stated my loan went dormant because they were awaiting a csubordination with the title company. Due to internal priorities at Freedom Mortgage, loan refinancing takes a backseat to new purchases. My loan was not a priority for them and it clearly showed. To make things worse, I received an email ( not a phone call ) from my loan processor 3 weeks after my loan had been closed stating that I need to reapply.

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 2016-12-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
On XX/XX/2016 my wife and I sent an overnight package containing documents for possible loan modification to Freedom Mortgage 's loss mitigation department. I have called multiple times to check on the status of our case, Freedom Mortgage tells us form XXXX is missing, but then Freedom Mortgage verifies later that the document has been received and the loss mitigation department needs to evaluate the form and for my wife and I to call back several days later and check on the status, but when I call back, again Freedom Mortgage claims they still need the XXXX form, but after checking find the document and tells me to again call back and check the status. This has been ongoing for several weeks now. My wife and I have done everything possible to reach out for assistance from Freedom Mortgage. It seems they are trying to discourage us from proceeding and to give up. We sent the revised XXXX form on XX/XX/2016 and we have been waiting for our possible modification to move forward. We were told a single point of contact will be assigned to us within the loss mitigation department, this has not happened yet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Business and Consumer Solutions.
State: CA

Complaint narrative:
I was told that they would settle for a certain amount and every time they tried my bank would not approve the transaction or I could not get out of the house to reload my card, as I am a XXXX. I tried several times for them to take the money out but they kept saying that it was n't going through so they backed out of their agreement with paying {$280.00} to close out the debt. When I called them today they told me that I now owed the full amount because I did n't follow through with the agreement. I told them last Friday that I was waiting for my money to clear in the bank and then I would call them. First of all this debt is from University XXXX XXXX who charged me for classes that I did not even take and I told them several times that I was n't able to access the classes They should have fixed it and unenrolled me from the classes. I am supposed to pay for a service I never received and I do n't think that 's fair. University XXXX XXXX knows that they messed up by not having the classes I signed up for available to me. How can I owe money for a service that was never rendered? And then how can the debt collection agency go back on their word simply because I told them that they 'd have to wait until the money cleared in the bank? This is not fair all the way around,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation