vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-02 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation
State: VA

Complaint narrative:
When I applied and opened my loan with Avant Credit it was for a line of credit. I received approval for a {$12000.00} line of credit and have an email describing my loan details. Shortly, thereafter they indicated I was approved for a lesser amount {$11000.00}. I did n't care about the {$600.00} difference. A few months into the loan, they advised they were changing my line of credit to a normal installment loan. They indicated the terms of the line of credit allowed this change without my consent. What bothers me the most since this change, is that my monthly payments keep increasing even though I am paying the minimum amount with no further loan withdraws or charges to the account. I do n't understand how the monthly payment is not decreasing on this type of loan and Avant Credit ca n't explain it it me either.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Consumers Inc
State: VA

Complaint narrative:
I went to XXXX to received the medical emergency help in XXXX 2015 due to the work injured and I had the claim number which I provide to hospital, but the bill was sent to me. 

I tried calling ( XXXX ) XXXX number in hoping to talk with XXXX ( the actual bill : proof file attached ) trying to explain to them to what was going on, but this number would never be working. There were no chance to talk and correct this matter. 

So, I had to forward the bill to my attorney in XXXX 2015 ( please see proof file attached ) No further bills have sent to both my attorney and I after XXXX 2015. 


Bill was not paid until I acknowledged the alert from my credit report ( on the night of Friday, XXXX XXXX, 2015 ) where my point dropped down XXXX points. After I know the problem, I took care of the bill myself ( payment posted on my account on Tuesday, XXXX XXXX, 2015 ). 

My attorney made the informal conference to XXXX agent ( please see file attached ) XXXX did not take care this bill. That was the reason why my credit score has dropped XXXX points because the collection action was put under my name. 

I need XXXX insurance explain in writing where I report to credit bureau that it was not my false.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Franklin Credit Management Corporation
State: CA

Complaint narrative:
My name is XXXX XXXX ; i am a widow ; semi-retired from XXXX. The FCM bought out my XXXX mortgage a few years ago and placed a lien on my property. I have been trying to settle this since then. It is almost upsetting how they kept on asking me to counter offer against their offer of {$31000.00}, but never mentioned about the expiration date -- XXXX. Had I known that there was an expiration date on their offer, I would have made far better decision. I did not have a regular income, so I was trying to see if I could lower the final amount to borrow lower than {$31000.00}. I felt very angry at their deceit -- not ethical at all. Now I have to appeal this to see if I can settle this once for all, which has been my heart desire ; they just sent me 'Notice of Default and Intent to Accelerate ' to me last week. I had filed chapter XXXX in XX/XX/XXXX, I need clarification on page XXXX where they said, ''To the extent your obligation has been discharged or is subject to the automatic stay in a bankruptcy case, this notice is for informational purposes only and does not constitute a demand for payment or an attempt to collect a debt as your personal obligation. ' I am totally confused ; they said this debt was excused ; then, they would like to accelerate?. 
If you can help me settle this with their initial amount for me since they were deceitful, I would greatly appreciate it. I have XXXX different licenses -- XXXX ; each ethics class I had taken for these, they emphasized how important it was to inform your customers with all important facts to help them make a better financial decision. Their hiding this fact until after the fact seems to me pretty unethical almost like a criminal act ; consequently, I am appealing this to you to see if you can help. 

XXXX XXXX and a XXXX! 


Respectfully, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Franklin Credit Management Corporation
State: CA

Complaint narrative:
I received notice from Franklin Credit on my door on XXXX/XXXX/2016 that my home was going to be foreclosed on XXXX XXXX, 2016. I had received a letter dated XXXX/XXXX/2016 that i was awarded a repayment plan and had until XXXX/XXXX/16 to respond. I met with my HUD certified foreclosure counselor the day i received the letter and we found that my profit and loss statement that I submitted had income for one year but listed expenses only for one quarter which made my income seem much higher. We submitted a letter of appeal along with supporting bank statements to show that my income was not as high as they calculated. I called in to ask if they received the appeal on that was submitted via email on XXXX/XXXX/2016 the day i received the notice of sale and they said they had not. However I still had until XX/XX/XXXX to respond to their repayment plan. I re faxed the appeal that had been emailed and have not heard back. 

that they were foreclosing my property while my loan modification was in review. The sale date is scheduled for XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: ND

Complaint narrative:
On XXXX/XXXX/XXXX, I opened a 15 yr boat installment loan, with XXXX XXXX XXXX. Fifth Third bank took over this loan in XX/XX/XXXX. The final installment was due on XXXX/XXXX/XXXX, and was paid. We then received an additional bill for {$5300.00} on this same loan. We have gone to the bank loan officer three times to no avail for an explanation, other than the charge is for additional interest for being late during the course of the loan. Whenever late, we paid a late charge. Fifth third can not explain how they came up with this figure, nor does the original agreement show anything. I just received a new bill, showing a late charge of {$210.00} on top of the {$5300.00}. The bank calls me 3X a day and yet no one will explain these additional charges. I am being harassed, insulted and annoyed. Please help me get this nightmare cleared up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-15 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation
State: MO

Complaint narrative:
AVANT LOANS : This company does not allow you to update your bank information online in order to pay the loan. They require undue burden of mailing in a voided check which could cause problems with the old checking account and unnecessary fees for returned items. They also do not allow you to update your address online - it must be through mail or fax. 

I wanted to pay additional money on my account toward principal. This company does not allow that and requires that interest and fees are paid first - even if you have made your regular monthly payment. I asked what amount of my payment would go toward the principal and they REFUSED to answer unless the payment was made. there are no payment tables, no customer support regarding early payoff totals - nothing. 

Address is absolutely not found or VERY difficult to find on website. Contact Us takes you to a form - you fill it out and hope someone gets back to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
FREEDOM MORTGAGE is charging me for " payoff statements '' they send to lenders I am researching in an effort to refinance. Now my XXXX payment says I owe {$30.00} more than my normal, fixed 30-year payment! 
While calling, a representative also found an erroneous " late fee ''. ( My payments are deducted directly from my checking account and have NEVER been late ). I imagine that " late fee '' has been included in the payoff amount, adding an additional {$41.00} to their profit. I am a Veteran and resent the sloppiness of the bookkeeping and additional charges.

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 2016-09-18 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation
State: CA

Complaint narrative:
I have been unable to communicate with the company regarding how my payments are being applied to principal and interest. I have not been able to get an updated amortization schedule of my payments, even though I 've contacted them by both phone and email several times. The customer service center has been unable to even tell me how my upcoming payment ( s ) are going to be applied. I 've been told when speaking to the customer service center by phone that there is no department available for me to escalate this to by telephone and that I must email. I have emailed the address they provided four different times and have received no response whatsoever. The company tells me that because I changed my payment date ( allowed one time during the life of the loan ) that they no longer have the ability to amortize my loan and I can only find out how my payments are being utilized ( P & I ) after the payment is processed. The level of this company 's apathy to my requests is unbelievable. I make my full payments, I 'm not concerned about the amount of the payments as I was aware of that when I took the loan ; I am just trying to understand where my money is being applied so that I can better manage and understand when and how much is going to work best for me if I can make an extra or larger payment to help me pay this off sooner. 

The company did send me a transaction history, but this has no future payment schedules showing. This was in response to my request for the amortization schedule. I just find it hard to believe that as a financial company, selling financial products, that they have any kind of inability to see an updated amortization schedule. They have one - they just are not willing to share it - as they know and have calculated how much they can make from the loan they gave me. Please help me get the requested information from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had both personal and business bank accounts with Fifth Third Bank XX/XX/XXXX and XX/XX/XXXX. The accounts were closed XXXX XXXX. In XXXX XXXX I began receiving phone calls to my business phone from XXXX XXXX threatening a law suit if I did not settle a past due balance with Fifth Third Bank in the amount of {$360.00}. This was the first notice I had received of the balance. Fifth Third Bank in 5 years had never tried to contact me concerning the supposed open balance. XXXX also called my wifes business phone threatening her with a law suit. At no time in the phone calls did they ever prompt me that " this was an effort to collect a debt ''. I would like to file complaints against both Fifth Third Bank and XXXX regarding this failure to comply with the Consumer Fair Credit Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Moved in the house XXXX of XXXX first payment was supposed to be around {$2400.00} per month, but when I received my bill in XXXX of XXXX it was {$1800.00} per month. Instead of {$1000.00} for escrow and insurance Freedom Mortgage only charged me {$460.00}. I called 3 times and was told this was the correct amount. When I called Freedom Mortgage they let me know about {$300.00} was going towards PMI and {$150.00} was going towards escrow ... The house I live in is around XXXX sq feet. There is no way my taxes are going to be {$1800.00} a year. When my wife and I signed the Final Truth -in -Lending Disclosure Statement we signed for {$2400.00} or at least around this amount. Now fast forward to XXXX XXXX, I get a statement in the mail that my mortgage has gone up to {$3800.00} per month. This is over 100 % increase of my mortgage. The shortage is XXXX for XXXX as I pay XXXX county taxes. If the payments where they were supposed to be at around {$2400.00} per month and the Escrow and PMI was at {$1000.00} per month the amount going to escrow would be about {$700.00} that would be about {$8400.00} per year. This would have left me in a better positon to pay back the shortage. Each time I call Freedom the rep that I speak with gives me different answers. I even had one rep say that the reason its not XXXX is because they added your HOA in the payment and this was a manager. It clearly states the amounts for Escrow and Mortgage Insurance. When I called and spoke with them they act like home owners mortgages go up almost {$2000.00} every day. This is not the way to do business. Now Freedom has added in {$14000.00} for next years escrow to add on to my payments. I did my part and called and made sure the amount was correct and I have never missed a payment and never been late. Someone at Freedom Mortgage clearly made a mistake and they will not own up to it. If there is going to be an escrow account it needs to be closer than {$14000.00}. Something needs to be done and spreading my shortage out over 4 years is not the answer nor is refinancing. There was a mistake made on this loan and it needs to be corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Acceptance Corporation
State: CA

Complaint narrative:
M LEONARD & ASSOCIATES called me and told me that if I pay the the amount I owe they will delete it from my account but after taking that they did n't delete it. When I called them back they asked me to pay {$45.00} more so since I want to get it deleted I paid {$45.00} more

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
We have a XXXX mortgage with Fifth Third bank for the past 15 years and it has come due with XXXX still owed. It was a fixed rate installment loan and I was late several times but I have also paid most of the late fees. We have tried to get help to understand why we still owe so much but have not gotten anywhere. They apply our payments wrong and charge us late fees even when we are not late. I 've gotten the history and do not understand the way they apply the interest and principle and when I paid extra they did not apply it to the late fees. I would like to have this investigated or audited before I pay the total amount due. I know I owe money but I do n't feel it can be that much.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
Opened a checking and savings account with 53rd bank, branch location Fifth Third Bank XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. During XX/XX/XXXX bank received a Fraudulent garnishment claim from a XXXX XXXX, 53rd bank then placed a hold on both my accounts for a total of XXXX. The funds in my account at the time was exempt from all garnishments, pension payments are exempt. 53rd then informed me that they can not close out my accounts until the garnishment is paid in full {$14000.00}. Despite knowing the accounts were exempt from this garnishment 53rd removed {$10000.00}, then XX/XX/XXXX, 53rd removed more of my except pension payments a total of {$15000.00} was removed from both my checking and saving accounts paying off and exceeding the amount of this garnishment. During XX/XX/XXXX I noticed that my credit report has the total amount owning I then contacted the bank and was informed that they do not know what happened to the monies removed from my account. After contacting the 53rd corporate offices, I was informed that a check for XXXX was removed from my accounts but they are unaware of what happened to {$5000.00} or where it was sent. Corporate office was also unsure of why the funds was removed at all when monies were exempt from garnishments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation
State: MD

Complaint narrative:
I have had this AVANT account since XX/XX/XXXX. The terms have changed several times and out of XXXX paid, only XXXX has beeb paid towards interest. 

I made a settlement with AVANT and paid it XX/XX/XXXX. i paid {$500.00} to settle the account. I received a settlement confirmation and close of account letter from AVANT. I am still receiving statements and bills from AVANT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I had an auto loan through Fifth Third bank and was sent payment booklets. The final payment from the booklets was paid, thinking that my car was paid off and I could obtain my title. When doing so, the bank teller then informed me that there was an additional $ 500+ owed before it was completely paid off ; she could not indicate what exactly the extra money was owed for. I called the customer service center and they could n't provide any information as to why I was being billed more than what the payment booklets indicated. I have an issue because there was never any letterletter, notice anything that indicated that the payment booklets would not complete the payments for the car. There were no late payments, missed payments or anything of that nature ; I actually paid ahead at a point in time and was ahead of schedule. This is a major issue because had I known this I could have sought refinancing through other lenders

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
Fifth third will not work with me on catching up an auto loan payment that was in default due to me being out of work. They would not supply me with any information regarding an outstanding balance. Furthermore, they told me to surrender the vehicle or pay XXXX to keep it. I be level the bad press they are receiving regarding the discriminatory practices with borrower percentage rates, is why they chose to treat me this way. As an XXXX borrower, I believe it 's easier to rid the loan before paying out if es for their deceptive practices. I am fully willing to pay the default payments, but I was told I ca n't and I should rid myself of the vehicle, or face them embarrassing me with friends and family. I was told this per a call to the bank and being transferred to collections on Friday, XXXX XXXX, 2016. I should not be threatened or intimidated for trying to do the right thing. These practices should not be allowed in addition to a discriminatory practice of auto markup. It 's ridiculous that they pay restitution, but find other ways to be discriminatory. Threatening embarassment and refusing to provide information, as potentially required by reposession laws, is not only disgusting, but surely illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
So my car was repossessed from Fifth Third Bank. They said I need to pay {$660.00} because of a late payment in XXXX 2016. I look back and that was when I had a deferment because my husband was out of work. They told me to fill out a letter and send it in. I have proof that I sent the email in and signed it. They told me there would be an extra monthly payment added on to the loan. Now XXXX XXXX, 2016 my car was repossessed and I had no idea why my car payment was sent through mail a little over a week before ( because they said I am not eligible for the online payment ). I called confused and they said once your payments go through then we can give you the release form. Then my husband called and they said we owed XXXX in repossession fees ( including the 2 payments of XXXX on there way ) I was confused to why it was that much when my car payments are {$280.00} per month and {$290.00} when they are late. So I called again to try and understand where this money came from and they said it was from XX/XX/XXXX when we missed a payment. That 's when I explained that was our month of deferment. She then tells me it was n't approved. I explained how I would be told if there were any problems with the deferment process that she would contact me. The representative then told me we were contacted multiple times and left voicemails. I then asked what phone number they have been calling and she gives me numbers that do n't even have the same area code as me. I know they have my phone number and my husband 's on file because that is how I verified my account. On top of that they have my mailing address. She then puts me on hold so she can talk to her supervisor. They are now giving me a deferment for XX/XX/XXXX and adding repo fees to XX/XX/XXXX and XX/XX/XXXX but I still have to XXXX XXXX the {$660.00}. I just feel like I should n't even be in this position right now.

Company response to consumer: Closed with explanation