vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I started a mortgage process with the Fifth third bank to buy a house in SHORT SALE. 
This lender received all my documentation, give me the preaproval letter, good faith estimate, and ordered the home appraisal, charging my credit card. 
BIG MISTAKE!!!!. it was a short sale.The formal process can not start until the receiving of the approval letter from the seller 's mortgage Bank. - meanwhile the loan should be in a pending status. 
The ordered appraisal was done 30 days before receiving the approval letter. at this time was expired. So, it was supposed to be redone. When they realize their mistake, never answer my phone calls, or e-mails again. The last communication, 20 days before the closing day was " we have to start the process again ''. Even if I give my authorization to do the home appraisal, it does not mean that this could be done without complying with all legal requirements. I do not have to pay with my money for their unforgivable mistakes. 
I sent an e-mail, and certified letter to XXXX XXXX, Vice President Area Sales manager ( XXXXXXXXXXXX - XXXX XXXX XXXX ) requesting my money back. He never answer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-06 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ORG GC GP BUYER, LLC
State: NY

Complaint narrative:
I am writing to ask you to STOP it with all the harassing to calls to myself, my employer ( which can and will get me fired ), and to any and all family members near and far. I have been receiving multiple calls daily, as well as, have people in my husband 's family, my dad 's family in which we are estranged from, co-workers, and my elderly grandparents. The caller, XXXX on some occasions, has not only violated my rights by telling third parties about my debt, but has also been telling straight out lies to those other people she has been calling, saying that I gave her that number to contact me with. That is just illegal. If these calls to myself and others do not stop ASAP, I will be getting an attorney and filing charges against your company. I will be mailing your company a hard copy of this letter. I hope that the next time I hear from you guys, it will be to tell me that you will stop calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
I just became aware of an account that was added to my credit report. I have no knowledge of this account. I never received any correspondence from this company stating that I owe any money.

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 2016-11-24 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
Navient claims to offer a co-signer release on their private student loans but I believe their offer is misleading, bordering on dishonest. Navient claims that in order to apply for the co-signer release benefit, a customer must provide proof of successful completion of school, be a US citizen, be up to date and have made 12 consecutive, on-time payments of principal and interest immediately before applying, and pass a credit check including income verification when the release request is processed. My application was denied for the following vague, generic, arbitrary reason : " proportion of loan balances to loan amounts too high//balances on revolving accounts too high in proportion to limits//time since delinquency is too recent or unknown. '' Despite having paid my loans as agreed and despite demonstrating the financial ability to re-pay my loans, Navient denied my application using arbitrary criteria. They failed to provide any criteria to me that would result in an approval of my application if, in fact, they actually do approve co-signer release applications from any of their customers. My understanding is that lenders would prefer to have XXXX people " on the hook '' rather than one person, giving them little if any reason to approve any co-signer release application. If this is the case, the offer of a co-signer release is simply a scam. Navient never provided rates of co-signer release application approval rates prior to me acquiring a co-signer nor have they provided application approval rates at this time. Navient suggested that I may apply for a co-signer release at any time while failing to notify me that these applications may negatively impact my credit score. I do not believe that Navient has any interest in releasing co-signers as it is to their financial benefit to deny any release application they might receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC
State: AZ

Complaint narrative:
I have been getting calls and emails from Receivables Performance Management for a XXXX bill of {$80.00}. I have never received a letter in writing regarding this debt. They also reported this to my credit report as delinquent. I found out about this bill via my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 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: National Credit Systems,Inc.
State: NC

Complaint narrative:
National Credit Systems continues to report to XXXX XXXX XXXX that I owe XXXX Aparments {$4000.00}. I have told them numerous times that they have made an error, and that this debt does not belong to me. I have never lived there. In fact, I have lived in my current home for over eight yeras. They claim that they have nothing to do with the debt being on my credit report, and if I want to contest it, I should contact XXXX XXXX Apts directly. I have done this, and XXXX XXXX tells me they have no record of my name having a debt with their community. I reported this information to National Credit Systems, but National Credit Systems continues to report this error on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: NY

Complaint narrative:
Servicer is not counting PSLF eligible payments citing payments were made over 30 days before deadline to pay. This is not a rule per Dept. Of Education. It just stipulates no late payments. Servicer sends bill to me well over thirty days before payment is due and I pay it within days of receiving the bill. Then they just do n't include it as eligible. They make up their own rules. Their phone reps misinformed me on my XX/XX/XXXX payment, saying I only need to pay a {$700.00} amount. I later found out this would not count towards PSLF. They also said in XXXX that I should make a payment around {$1000.00} to cover capitalized interest just ad my graduate school grace period ended and this payment was not in my best interest for PSLF. They routinely misinform via phone on the best payment strategy to qualify for PSLF and undertally PSLF qualifying payments. I have filed a complaint with the Ombudsman through Dept. Of Education but the end result was unchanged. They should reimburse the overpayments they accepted which they did n't apply as PSLF eligible and apply elifible payments without this erroneous uncited reasoning of paying over 30 days before due date when they send a bill beyond thirty days in advance and do n't state anywhere that such a stipulation exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: KS

Complaint narrative:
My loan was recently sold to Loancare which is the worst company I have ever come across. Before we even received this so called welcome packet from the company I was incessantly harassed by automated phone calls demanding payment. Then after we received the packet and sent the initial payment I was still receiving calls from them and the began receiving letters telling me my loan was in default all the while having been paid up. The conduct of this company has been totally unprofessional and can only be characteried by harassment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TX

Complaint narrative:
I am XXXX now and badly needing help. I have been a good customer with Vanderbilt Mortgage since XX/XX/XXXX. I paid off the XXXX home in full with them. Then the outlawed grey pipes burst and destroyed the home. They convinced me under duress to put up my land for a downpayment on a new home. In XX/XX/XXXX, I started making payments regularly on my new home. After a good number of years, they made an accounting error and did not pay my land taxes or insurance escrow for a year. They demanded that amount of around {$4000.00} be paid immediately by me. I did not have it. Finally, they let me slide on their mistake for a year, then demanded it again. I did not have it. So they FORCED me into an in house loan modification. They did not lower the interest rate. They barely lowered the monthly payment, made me sign a note that threw my mortgage into a full brand new 30 year loan! PLUS they added a {$20000.00} balloon note on the end. The over 8 years of payments I had made which was mostly interest, VANISHED!!!! Now I recently had to lower the amount of insurance I needed on this home, to an amount that is not nearly enough, in order to make the INCREASING payments they are charging me. I am almost XXXX years old and can no longer work. My income is vanishing. I would be XXXX years old if I lived to pay this piece of junk falling apart XXXX/VANDERBILT home off. I LOVE my land and do not ever want to have to move. I have lived here 18 years. I am TERRIFIED I will end up losing my home. They have XXXX me worse than I have ever been XXXX in my ENTIRE life!!! I look at the new statements and out of an approximately a {$1200.00}. payment, only {$87.00} is going to the principal. The woman named XXXX who did this to me, is no longer there after telling me she would be there for the rest of her life. Is she in jail? She should be. XXXX I desperately need help and so I called the XXXX XXXX and they told me to come here. Please I beg you to help me. The original loan should have been paid off in 15 years. How on earth is this possibly legal? It can not be legal. I have been preyed upon and they also told me that if I did a land home package, it would increase in value like a REAL house as it would be legally " attached '' to the land. Well, they did not put it on a concrete foundation, so no one will refinance me. There are so many scammers out there saying they are HARP but they are not. NO XXXX will refinance me because of the way they set this whole scam up. IT WAS THE WORST SCAM AND I SEE THAT I AM NOT ALONE. JUST XXXX VANDERBILT AND XXXX HOMES. PLEASE help me! I am more than desperate. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
In XXXX, I was told to contact XXXX banks to see if I could get financing because they did not want to refinance my loans. If I could not find a bank to refinance my loans then they would see what they could do. In the meantime I had to pay whatever monthly interest they assessed. Who would do this? I did find a bank that took on all of my loans except one. I recently applied for a job that required a credit check. The mortgage loan was purchased and paid in full in XXXX. However, it appears that the bank that received payment and have a XXXX balance is now stating that this mortgage is still in foreclosure which is incorrect. The loan did get paid and the bank have a XXXX balance where payment was received but it is listed as a foreclosure when it is not. I would like for this to be taken off of my credit report. I was told that it was the fault my current lender. How could that be when the balance was given what was owed and they received payment? I reviewed that status on the credit report and it will remain on my report until XXXX? How could that be when the mortgage account was paid in full and the current bank is holding the mortgage? Please help and explain to me how this can be removed off of my credit report when the bank in question received full payment. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
This complaint is focused on the fact that 5/3 Bank did not need to secure a hard copy of my credit report because the XXXX pre- personal loan application failed before it went to underwriting.On XX/XX/2016 I applied for an unsecured line of credit in person at 5/3 bank and brought a XXXX credit report on myself dated XX/XX/2016.I met XXXX XXXX from 5/3 face to face to go over my complete credit info on XXXX XXXX the application date.I told him I was requesting a pre approval application before 5/3 bank hit my credit report for a hard copy.He refused as I requested to get underwriting on his speakerphone and He was just too lazy to do conduct a pre-application approval.On XX/XX/2016 I received a letter from 5/3 underwriting which detailed the XXXX reasons why the application was refused based on my XXXX credit report they did not need to acquire.The XXXX reasons were ; insufficient credit experience and number of credit inquiries which were XXXX they reported which matched The XXXX credit report I brought in to XXXX XXXX on XX/XX/2016.In addition all of the creditors listed on my report dated XX/XX/2016 exactly matched the ones listed on the duplicate report from XXXX dated XX/XX/2016 requested by 5/3 bank. 

This is nothing more than 5/3 bank malisciously abusing their authority and ability to secure unnecessary credit reports which as you know are terribly damaging to the consumer. All the Bank had to do was look at the XXXX credit report I presented which matched exactly the XXXX report they requested on XX/XX/2016 and the pre-application would have been denied after discussing my credit report dated XX/XX/2016 with 5/3 underwriting.Now I have to endure the unnecessary pain caused by 5/3 bank to my FICO score. 

I am asking the CFPB to demand that 5/3 bank request a redaction of the XXXX credit report request since they did not follow well established bank policies.I am XXXX years of age and have dealt with 5/3 and it 's excellent predecessor XXXX.I always for any loan application have been given a chance to pass the pre-application process before going to underwriting ; from real estate to installment loans both encumbered or unencumbered this is a very basic tenet of the banking business.XXXX has attempted to take an easy shortcut so He could not fulfill my request for a pre-application loan approval.He was too busy discussing a non issue by underwriting on my credit report with me that had to do with a PAID tax lien All He had to do was put XX/XX/2016 underwriting on the speaker phone and after discussing the findings from the XXXX credit report I brought then underwriting would have denied the pre-approval application.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
There was a withdrawal from my escrow account in the amount of {$1300.00} and the loan servicing company, XXXX, does n't know why the disbursement was done nor do they know where it went to. This occurred on XXXX/XXXX/2014 and I have called them monthly ever since but with no success on getting them to credit my escrow account. They even acknowledge the mistake but will do nothing to correct this. Now my escrow account has a shortage and they have also increased my monthly payment because of this. I have requested to speak with supervisors or a manager but I have n't had much success getting one to return my calls. I seek your assistance in this matter before I have to seek legal action.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: IA

Complaint narrative:
Freedom Mortgage needs to stop sending me Cash Out Refinance marketing materials. I receive at least 1 of these mailings per month. I have called them and asked that they stop. I asked to be opted out of all marketing materials when I called. In addition, I completed an Opt Out letter they sent and returned it. They responded with a letter confirming that I was opted out. However, I continue to receive these letters monthly.

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 2016-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Adjustment Service, Inc.
State: FL

Complaint narrative:
I have asked Diversified Adjustment to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XXXX I made a deposit to an ATM machine co-located with a branch of Fifth Third Bank in XXXX, GA. The ATM accepted the {$400.00} cash deposit, but did not present a receipt nor did it acknowledge the deposit. The teller then told me they had been having trouble with the ATM and the XXXX technician had just left. I waited for the technician to return, and after an hour, he returned. He confirmed that the {$400.00} deposit had been made. The teller called Fifth Third HQ and I was given a " provisional credit '' of {$400.00}, reportedly until the ATM was balanced. On XXXX, the bank transferred {$110.00} from my account stating that the ATM did not balance and it was short {$110.00}. I referred to the teller and XXXX technician who both confirmed that I had made a {$400.00} deposit. The matter was further referred to their dispute resolution committee, which determined that they were entitled to keep the {$110.00} and could take up to 14 additional business days to investigate the matter. My complaint is this : the malfunctioning ATM machine is not my fault, and caused considerable inconvenience for me on XXXX. Why am I being prevented from using {$110.00} until they discover where the problem lies? Is this just miserable customer service or is there an actionable conversion of funds by the dispute resolution committee?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Our VA mortgage is financed thru Freedom Mortgage, they called and said they wanted to reduce our mtg. by XXXX % - just because ... he said they would send electronic documents to sign. I told him I wanted full disclosure he said no problem. When I review the e-docs I did not like what they said, did not sign and sent an email we were not interested. I have sent XXXX emails telling them we are not interested. This morning I got email that said " congratulations on you loan application, now sign these additional docs ''. We never signed anything, electronic or otherwise. I have emailed them again and still they are saying we need to submit additional docs to " lock in our rate ''. We do not want this, they are our current VA Mortgage servicer, I am now afraid of them and do not trust them. What can I do?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IA

Complaint narrative:
As I anticipated, BMO Harris Bank added a late fee to my bill this month. My mother called on XX/XX/XXXX to make payment for me and they were going to add a XXXX charge for paying over the phone. There is also a charge to pay online. They told her the only way they would not charge was if she sent a check. So she did send a check that day for the payment amount. I kept checking online to see if the check had been applied to my account but it was taking longer than I thought. My mom said the money was still in her account as well. I kept trying to get in contact with BMO as I anticipated they would add a late fee if the payment was not made by XX/XX/XXXX. The check definitely arrived by XX/XX/XXXX as it was sent first class normal mail. That never takes longer than a few days. BMO decided to add a late charge anyway. This is not right. They want to charge people to pay them no matter how people decide to do it - whether the service fee for over the phone or via internet, or whether a late fee for sending a check. In addition, now it says my account is in default when it really was not. This sets me back from being able to get online access even more. These are absurd practices done by a giant corporation trying to take advantage of the little guy.

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