vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Fifth Third did not apply the funds properly to my house payments and {$5400.00} came up missing on XX/XX/XXXX i applied for the save the dream hardest hit funds to save my house and was accepted. XX/XX/XXXX save the dream payed a lump sum payment to fifth third bank then monthly payments till XX/XX/XXXX this i was told would pay me up to date with fifth third bank. that was not true fifth third bank did not pay all my escrow from all the money they received from save the dream funds and now fifth third bank tells me i have to pay for the missing Money of {$5400.00} lump sum or my house payment will increase {$630.00} for 12 months over top my regular house payments of {$1000.00} always included escrow increase to {$1600.00} for 12 months fifth third bank also told me 30 day before i had to start paying my house payments again i could apply for a loan modification to help me stay in my home once again not true XXXX XXXX office from fifth third bank called me wanting me to back out of the modification i told them no i was told that my house payment was going up {$630.00} more a month and he could not explain were the {$5400.00} disappeared at fifth third bank and sense they raised my payment from {$1000.00} to {$1600.00} i was told that he appreciated the over {$30000.00} that was paid to keep my home i was told if i could not afford the {$630.00} increase to get out of the home wanted to throw my family out on to the street XXXX scamming poor people and the state of Ohio by getting large sums of money pocketing some of the money then raising there house payment much higher and then throwing them out of there home with little or no intent to keep people in there homes. ( even though XXXX got there last pay XX/XX/XXXX my math i am paid up till XX/XX/XXXX?????

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Business and Consumer Solutions.
State: NM

Complaint narrative:
FBCS, ( phone number XXXX XXXX ) contacted me today stating that they were collecting for XXXX, but did not give me the account number associated on my credit report, ( as it was not listed, and is required for collections ) and asked if my name was something else, which is was prior about XXXX years ago before my marriage. The debt has far surpassed the statute of limitations. I told them not to contact me again, and to stay out of my credit reports. I will be checking to see if they are attempting to steal my credit also by using this identifying tactic. I suspect that someone at my prior residence in XXXX XXXX XXXX is pulling this fiasco and is associated with criminal activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XXXX mortgage - I have paid on time over XXXX payments, never missed a payment, and about 2-3 years ago the payments were not being applied to principle correctly. Last year nearly XXXX % of the payments were interest only. Mis-allocations continue to be made and I have to complain very month for them to adjust and re-apply. I do not believe the principle owed is correct. I have paid over {$60000.00} ( XXXX payment at {$600.00} each ) and my principle has gone from {$76000.00} ( original loan amount ) to {$69000.00} after 7 years. Every customer service representative and every escalation ends up with people saying how messed it is and how they have no idea on how to correct it, project teams were assigned to correct it and no access to them or resolution - it continues to happen.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation
State: IL

Complaint narrative:
XXXX LOAN XXXX WAS AUTHORIZED TO PULL XXXX, XXXX AND XXXX ONLY! LIMITED TO REPORTING THOSE XXXX PER SIGNED APPLICATION. ( SEE ATTACHED ). BUT BROKE THE TILA. AND DODD-FRANK REGULATIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
I have been paying extra money each month on my mortgage. This month I received a check for {$420.00} as a a reimbursement for escrow. My escrow amount was also increased which makes no sense at all. I have made several attempts to discuss the issue with Freedom Mortgage Corporation, XXXX XXXX, XXXX XXXX XXXX, XXXX CA XXXX. I have been placed on hold with no one returning to the line as well as sending an email which I receive no response. I believe that charging this much escrow for no reason is a ridiculous use of my money. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: Financial Business and Consumer Solutions.
State: CA

Complaint narrative:
On XXXX/XXXX/2016, I was phoned at XXXX by FBCS Consumer Contact Solutions, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX. FBCS is XXXX This call was not only in violation of the Federal Fair Debt Collections Practices Act, but as a California Resident, it was also in violation of California 's XXXX My carrier is XXXX, and I would be happy to supply the phone record of the incoming call at XXXX XXXX from phone number XXXX to my phone number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TX

Complaint narrative:
My mortgage was sold to Vanderilt Martgage and Finance. The new service company has raised the escrow requirements twice in less than 30 days. I called them to discuss it and their answer is " there is nothing we can do about it ''. I asked to have an analysis completed and allow me to talk to the analysis manager. I could not get past customer service. They are increasing the escrow for an extra month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: United Consumers Inc
State: DC

Complaint narrative:
I called United consumers inc. to inquire about a bill that has linked to my credit when i was on my fathers insurance as a dependent. The male named XXXX was very rude when I was trying to resolve the issue he would n't give me a chance to tell him my problem i was actually trying to see who should I talk to about my issue instead of him helping me he raised his voice at me in a aggressive scary manner.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Colony Brands, Inc.
State: CT

Complaint narrative:
Never applied for credit account does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
More problems with my mortgage servicer - Ditech Financial. 
Last month ( XX/XX/XXXX ) I went onto Ditech 's website to pay my mortgage. The statement showed that I had a late fee ( for what? ). I spoke to them and there was no explanation re why there was a late fee. The rep I spoke to had, " no idea '' why the fee was on my account, but assured me that I did not have to pay the fee - it had been " waived '', I was told. 
I received my current statement - now they 're billing me for 2 months of mortgage payments. 
The statement also says that my account has a {$990.00} amount shown as " funds in suspense. '' Again, there is an {$82.00} fee/charge added with no explanation. There is no note, letter or anything on their websit that explains the charge. The statement notes my {$990.00} payment made in XX/XX/XXXX, but the amount is not shown as a payment received for XX/XX/XXXX. The statement says that I owe them for 2 months {$1900.00} - that includes the mortgage payment for XX/XX/XXXX and XX/XX/XXXX and also includes the {$82.00} mystery " fee '' that has again appeared on my statement. 
My bank statement, of course shows that the full mortgage payment amount was taken out of my bank account. My money is in their bank account, but not credited to my account. 
This is the third problem that i 'm having with Ditech. A consumer has NO SAY in who services their mortgage account? Most consumers largest expense, their home mortgage, is handled by just any company? Ditech should be closed - if I messed up my money like they mess up my mortgage account, i 'm sure they would be right on my back about it. 
I guess a huge fine ( again ) is n't forthcoming. Since I am compelled to accept them as my mortgage servicer, they should be held accountable and fined, over and over, if neccesary, until they get things right.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
I am a victim of false, misleading and deceptive practices for collecting mortgage payments by Green Tree Servicing LLC. These are the same practices they were found guilty of in Case XXXX filed by the FTC and CFPB. Specifically, paragraph XXXX. 
I received a payoff statement from Green Tree and sent money in excess of that amount to Green Tree XX/XX/XXXX. They never applied the payment to my account balance and continued to charge interest on the full amount, pay real estate and property insurance until I received other payoff amounts from Green Tree and submitted that money. This finally was concluded XX/XX/XXXX. 
I am requesting the excess amount I paid to Green Tree be refunded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
DiTech Financial took over my loan from XXXX XXXX XXXX in XXXX of 2016. I pay my bills through XXXX XXXX XXXX pay and schedule this bill to be paid at the same time each month. things were great until XXXX when I received a notice that my payment had not been received. I called DiTech immediately to find out what happened. All they could tell me is they will investigate. This happened again in XXXX. As of today, they still can not find my payments and now I have received a foreclosure notice. XXXX XXXX has sent the payment and even conferenced in with DiTech to try and resolve. Each time I call DiTech I start over with a new rep that basically can do nothing to resolve my issue. I 'm not sure where to turn now.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Global Credit & Collection Corporation
State: WI

Complaint narrative:
I have been getting numerous calls to my work with threatening sounding messages being left on my voice mail. Also a family member has recieved phone calls with threatening sounding messages on their answering machine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
There are XXXX strikes against my Credit. XXXX of them being an old apartment complex that I was told would not be charging us for final rent as well as would be returning our deposit due to mold issues in both the apartments we lived in during the one year lease. 
The other mark on my credit is a medical bill that should have been taken care of by a work mans comp claim through the XXXX I used to work for. 
I attempted to dispute these marks through XXXX. I filled out the original account look up page info. Upon completing it they asked me question relating to " loans I took out '' such as mortgages and car loans. The questions asked what company I took the loans out from and how much my minimal payments were. The problem is I did n't take out any loans from any company nor do I have minimum payments of any kind for these non existent loans. I answered the questions with " none of the above '' since these loans did n't exist and the response back was that that did n't match the info they have. Now I am concerned that identity theft may be an issue on my report as well although I did not see any physical proof of such.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I had a problem with XXXX XXXX which i paid them on time i have a proof of the cashed check by them they kept telling me they never received my payment and then finally my bank advised me to stop payment on this check and reissue them another check to solve the issue we did and then we though the problem is taking care of I closed my account with XXXX XXXX as well. but XXXX XXXX went a head and report me late on my payment for more than 90 days I learned about that when I was applying for a loan and my Loan was declined I tried to contact Experian they have no one to answer their phone it is an automated service and there is no person to talk to I tried to log to their website to dispute this wrong information I got a message I can not do that on Line I need to speak with them again I tried the number one more time during business hours I was not able to get a hold of any one. Now Exerian allowed XXXX XXXX to report the wrong information about me without no proof and they are providing this information to any lender who check my credit report and they are not giving me a chance to correct that error with them attached is the respond i got when i was trying to dispute the error plus a copy of the paid check to XXXX XXXX back and front to confirm they cashed it Thanks.

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 2015-05-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: MST Financial Services, L.L.C.
State: ID

Complaint narrative:
I have sent full amounts to Chapman Financial Services couple months ago for past due collection and they refuse to apply it to the debt amount balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-10 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
A judgment was received by this company illegally. They stated that the served me with notice of this judgment, however, this is a lie. The date they say I was served I was in bed recovering a XXXX. in 2013 I was XXXX in the hospital, XXXX XXXX. I could not have been delivered papers regarding this and there was no one else at my home who could have accepted it at the time they are stating. I was in bed, XXXX and could not have walked down the stairs to answer the door. I did not even know about the court date or I would have shown up in court. They had to have lied in court and stated I had received notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I had hail damage to my home, deck, metal shed, patio heater, pool and other items XXXX 2016. XXXX issued XXXX check for everything. I have submitted replacement costs for deck stains, replacement shed, patio heater. PNC refuses to release money stating the check from XXXX is for repairs to home and other structures and I need to contact XXXX for money. I spoke to my agent in XXXX, Il along with claims adjuster and they state all damaged items were included in one check and PNC needs to release money to me. I have hired a company to repair home and contacted PNC on numerous occasions to get money to repair non structural items. They just keep telling me my insurance company needs to write me a check. In the meantime I am encountering more damage to contents in my shed, having to postpone repairs to my pool and deck due to the uncooperativeness. I ask to speak to management and continually told they are in a meeting or away from desk .Can never get beyond customer service. they will not even give me a number to leave a message. I have been trying to resolve since XXXX We hired an adjuster because we went through same issues 4yrs ago and even the adjuster could not get PNC to cooperate. PNC refused them their % age. We had to borrow money to pay the adjuster to move forward and now 5 months later I still have no repairs. I even went to the local branch in XXXX Mo. and they tried calling and could not get a reply. I have done everything I did 4yrs ago and for some reason the rules have changed and what I did 4yrs ago is n't working this year. My last conversation I was told that they are doing me a favor and reviewing to see if they can make an exception to allow me money to fix my shed. I had to sign affidavits and other paperwork stating I will make repairs to all damages received, however they will not release any money to do so, which in turn is causing more damages to my property. I am asking please for some help so I may get repairs done prior to weather getting bad and everything in my shed is destroyed. I have tool sheds, power tools, bikes, mower and other high dollar items. Who will replace them if they are damaged beyond repair? I have tried Mo. Div of Finance who referred me to you. I have contacted my insurance company, the claims adjuster and Mo Dept of Insurance. I have paperwork and email messages if you would like to see them. Ultimately I just want my home back to where it was prior to the storm. Per PNCs initial paperwork that 's what they say they want. But now that they have to release money it appears they would rather have my home deteriorate while they collect interest on the money. Thank you very much for reviewing my complaint. I will be anxiously waiting for your reply. 

Sincerely XXXX

Company response to consumer: Closed
Consumer complaint received 2016-10-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: PLANET HOME LENDING, LLC
State: FL

Complaint narrative:
i bought my house XX/XX/2011 Originally when I sign up the loan with XXXX bank I have private mortgage insurance added to my loan and the agreement was i have to be five year paying on time and it will be remove. my loan was sold to XXXX and now its currently with planet lending now it being five year paying the pmi. i am asking them to remove my pmi and they are giving running around and they cant not remove it

Company response to consumer: Closed
Consumer complaint received 2015-04-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Focus Holding Company
State: CA

Complaint narrative:
I have never had an account with the XXXX cable that my debt originated from. They sent my case to Focus RM collections, and I ca n't get a hold of anyone to resolve the issue! I 'm so frustrated and confused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I an a JPMorganChase Client, I currently hold a Mortgage and a Checking account with this bank. This morning I logged into my account to discover that Chase had approved an Amazon/Chase Credit Card on XX/XX/2017 with a credit limit of $ XXXX. I called JPMorganChase Fradulent Card department to inquire about this credit card.. non-chalantly the CSR said to me - " If you did not apply for this credit card, we will cancel it, and YOU can notify the credit bureau of fraud ''. I further asked where was this credit card being sent, and I was told it was not being sent to the address on file though they can not provide me this information. I am amazed that JPMorganChase being my banker approved a credit card in my name, linked it to my other accounts without doing the necessary due diligence of a Red Flag that a card was being sent to a different address. 
I again called JPMorganChase later this afternoon to provide this information to me about why and how can they approve a credit card in my name without doing a better due diligence on the application and where was this credit card being sent to? I was told in order to receive this information, I must provide a copy of my identity..i.e. Driver 's License, make a police report, Send a Miscellaneous Incidence Report and provide an affidavit of this claim. 
I find this very disturbing that my bank issued a credit card in my name without asking for identification, yet at this time I must provide proof of who I am ; as my banker who holds my Checking account and my Mortgage and with the array of cyber fraud, JPMorganChase should be held responsible for higher due diligence standards. 
Please help me to hold JPMorganChase responsible for this poor due diligence, and take responsibility for this by providing the information to me on this application. It makes more sense to have this information before I can file a police report. 
I do not have the credit card information that was issued, I believed the last four digits I saw was XXXX, before it was removed from the link on my account. I have reported the fraud to all XXXX ( XXXX ) credit bureaus. I have also requested that Chase remove this hard inquiry on my credit reports because it is affecting my Debt to Ratio credit score. 
Thank you in advance for your usual prompt attention.

Company response to consumer: Closed with explanation