vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-29 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I have an HSA account that pays interest on the balance - and did not charge fees until the balance fell below {$4000.00}. Once the balance fell below that level the bank started charging $ XXXX monthly. The interest paid is less than that. so the account is slowly being drained by fees. When I called and asked if I could pay the fees from outside the account I was told NO.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 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: Diversified Adjustment Service, Inc.
State: IL

Complaint narrative:
After checking my credit report, i noticed that Diversified is reporting that i owe money on a bill that is not mine. This is incorrectly reported and needs to be removed immediately

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: STATE FARM BANK, FSB
State: NJ

Complaint narrative:
To The CFPB I refinance my care back in XX/XX/XXXX and I made my payements like am suppose to do each month that it is due on the XXXX of each month. In the first year I have sent an extra check in the envelope towards the principal. When I would check on line I would see the bank took out interest out of the check that was suppose to be principal. I called the bank have to them correct this. I would write on the check principal and a note inside the envelope principal payment and they would still take out interest. 

I told them what they did wrong and they corrected and I would have to wait a couple of days and I would check on it. After a couple of time like this then I was told told that I was to send my principal payment to another mailing address. 

Then I started making some extra principal payments I would send them to the other address like I am suppose to and they started to take out interest a few times again until I called them an said this was a principal payment. One man try to tell me I sent it to the wrong place I told him I did n't because I send my car payment to one address and if I send principal payments it goes to another address. I put him in his place and the bank screwed up!!! XXXX i wrote on the check principal only as well, I said your people cant read whats on the check. 

This month of XX/XX/XXXX I sent my car payment in to one address and a good amount of principal to another address. When I went to check on line to see if they received my payment they did, but they stated on my account on the next payment due I would owe less by a certain amount. I called in to find out what was this all about and I was told because I made a payment in XX/XX/XXXX, they took a couple of dollars out. 

I told them that was a principal payment and they had no right to take any interest out of that amount, that check was sent to the place where it was suppose to be processed as principal and I wanted to be corrected, I wanted to know who processed this transaction regardless of any amount, I made it clear on XX/XX/XXXX. I said if you were making car payments and the bank did this to you, you would n't like that being done to you. I demanded that to be corrected but i was told it was over XXXX days. 

I got a call later a few minutes later and I was told I sent the check to the wrong address and it was fed into the computer, I told them I sent it to the correct address and even later this year the bank screwed up on my principal payments at the principal processing bank facility. 

If they are doing this to me, can you imagine how many others are being taking advantage of this situation and making extra money and the people know or do n't know this and do n't know how to correct this. 

I would like this facility to be audited, they need to be exposed and audited.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Earnest Inc.
State: IL

Complaint narrative:
Earnest Operations, LLC is using deceptive and unfair lending practice in regards to their student loan refinance product. They are requesting 10 day payoff letters from your institution that your are refinancing your loan with ; however, they are experiencing a XXXX backlog in payoff processing. They are not making any consumers aware of this back log until after they sign final loan documents. This places many consumers at peril or higher interest expense, opens them up the possibility of incurring late fees from their previous lenders, and the possibility of negative credit bureau reporting due to their lack of ability to process payments in a timely manner. I work in the XXXX and have the skills necessary to protect myself from these instances ; however, not all of their customers will have the level of financial sophistication that I have. I have already had to incur higher interest expenses as a result of their actions, and want to protect further consumer from being harmed. I would welcome a phone call to discuss the entire situation in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC.
State: CA

Complaint narrative:
We have a mortgage with Suntrust and owe more than the the property is worth. We attempted to sell the property for the amount owed on it, but after many months of being listed with a realtor, we could not find a buyer. So we began the short-sale process XX/XX/XXXX and found a buyer ( XX/XX/XXXX ). Suntrust delayed the process so long that we lost the buyer ( it was a XXXX exchange and there was a deadline by which the sale had to close XXXX. We have found other buyers since then XXXX all below what we owe but at fair market value ). Suntrust has not allowed any sale to go through. Then we requested a Deed in Lieu XXXX DIL XXXX and after much delay, Suntrust approved this XX/XX/XXXX. We received a notice in XXXX that we needed to have the property empty by XX/XX/XXXX ( we had tenants in the property ). We asked the tenants to leave and it is now XX/XX/XXXX but Suntrust has not finalized the DIL. The property is sitting empty and our debt continues to accrue. We are no longer collecting rent XXXX to help offset our losses and to keep the place occupied ). We are unable to get Suntrust to finalize the process and are looking for a resolution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Today, XXXX XXXX, 2016, I went online to order my quarterly credit report from XXXX and chose Experion since I had n't gotten XXXX from them in over a year. After verifying my identity on both XXXX and Experion 's site, I got the following error message : We are unable to process your request. Please call us at XXXX XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
For the past few months, I have attempted to get a credit card through XXXX. I have been told that there is legal action against me on my credit file. When I check each of my reports, there is no such information listed.

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 2015-06-19 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: NV

Complaint narrative:
There is an account on my credit report that is reporting in error. I have disputed this information with the credit agencies XXXX times now and the creditor keeps telling them that the account is valid and therefore is still reporting on all of my credit reports. The creditor is reporting to XXXX credit agency that the last date of activity is XXXX/XXXX/XXXX which is completely inaccurate since I have had no dealings with them ever. Then they are reporting to another agency that I made a payment to them in XXXX which is completely false because I never paid them anything and that they account was opened in XXXX which is also inaccurate since I know this account is well over XXXX years old. I know that by law they have to remove items that are over XXXX years old and I 'm not sure why they keep falsely reporting this debt on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
In XXXX Freedom Mortgage sent me the annual escrow disclosure statement with wrong information and charges. On XXXX XXXX I sent them a request to try to fix the issue, I supported my request with XXXX XXXX of XXXX XXXX tax collector print out showing the correct amount due. On XXXX XXXX I received a letter from them indicating they received my written inquiry and that they will be reviewing the information and to give them 30 day to respond. On XXXX XXXX I received a letter from them indicating they are conducting further research and they need 15 more days where a written respond will be sent out by XXXX/XXXX/2016. ( It seems they failed to comply within the time frame they set ). 
On XXXX XXXX I did my regular monthly mortgage payment but I did n't include the unjustified new charges since it was under review since XXXXFreedom Mortgage refused to credit my account for this payment and they call me every day demanding the full amount they where requesting. I felt harassed, so I paid them the extra money they demanded and on XXXX/XXXX/2016 I sent them a request to cancel my escrow account since I have a conventional loan. On XXXX XXXX I received a letter from them indicating they received my request and they need 30 days to respond. During this process I was trying to get in touch with someone who can resolve this issue and kept receiving a promise that a manager will contact me, but never happen. 
Now XXXX payment is due and I do n't want to keep paying for someone 's mistake. As of now I want them to cancel the escrow account, I will be responsible for paying the tax and insurance on my account and refund me whatever they have in this escrow account. 
I really appreciate if you can help me resolve this issue with them. I could be reached at XXXX for any questions.

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 2016-12-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: MN

Complaint narrative:
Freedom mort assessed our loan over {$400.00} in late fees that we do not owe. They refuse to communicate with me, except hiding behind a letter saying they wo n't reverse the fees with NO explanation or proof I owe these late fees. I have documentation that proves NO LATE payments have been made. I call them, they tell me to email, I email they do n't respond. They are lying about the late fees being owed on my account. They also raised our mortgage {$200.00} a month with no warning.

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 2017-02-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I opened checking account and BMO Harris bank on XXXX/XXXX/2017 with deposit {$100.00} and on this day I tried to make online bill to XXXX credit card for the ammount of {$95.00}. Their website show me a message /in red/ that I can not make online bill payment now and I gave up from the idea to use that service. Suddenly and without my permission BMO Harris make a payment on XXXX/XXXX/2017 and on this day I did not have the money, I was charged NSF {$35.00}, I called to their customer service and the money were refunded. I was totaly surprised when I saw today that my account is negative, becasue BMO tried to pay again without my permission {$95.00} to the same XXXX credit card. I went to BMO Harris, XXXX on XXXX/XXXX/17, spoke with the banker - XXXX, spoke with the Branch Manager and Customer service and I was told that I ow {$91.00} to the bank because they paid to XXXX {$95.00} /I had {$3.00} in the account/. I paid the {$91.00} to the bank, but later during the day XXXX2017/ I got e-mail from BMO Harris Bank that they did not pay the {$95.00} to XXXX and I will be charged NSF {$35.00}. 
I would like to share that when I opened the account on XXXX/XXXX/2017 the banker never discussed with me how the online bill pay works and debit coverage as well! Now I know, but base on the worst banking experience ever in my life!

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 monetary relief
Consumer complaint received 2017-02-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
I opened an account with Fifth Third through a car dealership when purchasing a car in XXXX. They did not allow online payments, or balance updates at that time. They only sent a paper " coupon book '' which I was supposed to use to make check payments on my own. In the interest of insuring the loan was paid on time and consistently, I instead set up automatic bill payments through my own bank. For two years, I did this without any problems, but I never heard from Fifth Third with any updates. 
After I moved to XXXX, I called several times to request a proof of title so I could renew my car registration in a new state. Every representative I spoke with assured me that they would have the proof of title mailed, but weeks went by and I never received it. Finally, on the third try, I received the proof of title. But the DMV said I also required a letter stating that I had the lien holder 's permission to register in XXXX. So I called again, and this time ( for the first time ) the rep said I had to go through an external site called XXXX. This extremely dodgy looking website is apparently utilized by several lenders, but it charges an additional fee of up to {$50.00} and takes 15-20 business days to process requests. Even though this seems like an extremely steep price for a simple letter, I would have gone through the site as requested if they had only told me about it two months prior. 
Also, to make matters more confusing and disturbing, there is no mention whatsoever on Fifth Third 's website of My Title Support 's service. So I basically just have to trust the phone rep who told me that is the only way, instead of the other three who never mentioned it before. 
I will be refinancing with another company as soon as possible, because I will not deal with Fifth Third anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
We applied for refinancing Fifth Third Bank in XXXX 2015. We filled out the application and opened an account as suggested, began our home banking, began submitting all documents and exchanging correspondence. As the months went on, several obstacles seem to arise and more documentation seem to be needed and supplied. And again more and more. Then time lines seem to pop up expire, get extended, expire and disappear. More paperwork and re-submissions. Phone calls and emails to one co-owner and not to the other so that communication was not clear ... .. Finally we told XXXX XXXX, NO MORE EMAILS OR PHONE CALLS. WE WANT COMMUNICATIONS IN WRITING VIA USPS MAIL ONLY. The next communication we received was an email from a regional manager saying that our application had expired! We already had assumed that this was fraud and that we had been taken for a " RED LINED '' ride! This was a HARP refinancing loan with our equity and XXXX mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Account Recovery Services, Inc.
State: NV

Complaint narrative:
Hello, XXXX continues to attempt to collect on a debt that is not valid. I have requested proof of debt and they have not provided such. They continue to report the erroneous information to XXXX in violation of the FCRA and show that prior disputes were resolved, which they were not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Diversified Adjustment Service, Inc.
State: MN

Complaint narrative:
I am receiving threatening and harassing telephone calls and death threats from representatives from Diversified Adjustment Service , Inc., for a debt of {$260.00}. The account is an unauthorized and fraudulent account. I have never applied for an account with XXXX XXXX. I am a victim of identity theft. Someone stole my identity and used my personal information to apply and open an account with XXXX XXXX. I filed a police report with the XXXX XXXX Police Department. The police report case number is : XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24 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: MD

Complaint narrative:
There is an account listed under my name for the original creditor of XXXX XXXX, however, I never signed a contract with XXXX XXXX, and after attempts to obtain a copy of a contract, I have received no response from Diversified Adjustment Service. 

I have sent faxes and letters requesting copies of my signature on a contract or agreement, and would like to see where this information is coming from.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Adjustment Service, Inc.
State: PA

Complaint narrative:
Since XXXX, Diversified Adjustment Services continues to leave generic robocalls on my landline answering machine ( from a variety of numbers, changing the last XXXX digits ), stating that they are calling me for a debt collector, that I need to call XXXX, despite the fact that I do not have any delinquent debts. I have filed XXXX complaints with the " Do not Call Registry, '' since my answering machine clearly states that my number is an unlisted number, and is on the registry. I have also filed a complaint with the FTC. Last night ( XXXX/XXXX/16 ), they called again. So, I decided to try this. I recognize that debt collectors have a loophole to get around the " Do Not Call Registry '' ; however, that should only be for someone who may have a delinquent debt, and that the debt collector calls personally. This agency obviously does not know who I am, because the robocaller does not use my name ( because they do not know it because I have no delinquent debts ). If they think that they can scare/scam me into returning the call, that will not happen. ( because I DO NOT HAVE delinquent debts )

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Pollack & Rosen, P.A.
State: FL

Complaint narrative:
*****This is my 7th complaint over this fraudulent loan. I request this loan removed from my credit report and stop the reselling of this loan. 

On XXXX XXXX, 2016 I was working at the front desk at The XXXX XXXX XXXX when a man from a collection agency. I know it is illegal for any bill collector to harass an individual at their place of employment. 

When I attempted to gather information in order to file a report he disconnected the phone. 

I have filed several complaints about this fraudulent loan. It was originated before I attended college. I am sick and tired of this loan being passed from one debt collector to another debt collector. Each debt collector is aware the loan in fraudulent and they fail to follow the appropriate steps and then sell the loan, fully aware it is fraudulent. 

I want this company investigated for purchasing accounts that are known to be illegal in their source. I also want this company investigated for breaking privacy laws. The individual did not attempt to clarify they had the correct person on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Business and Consumer Solutions.
State: TN

Complaint narrative:
I get phone calls daily from a debt collection company with a robocaller to my cell phone. When I pickup and say hello I never get anyone on the phone. When I called the number back on XXXX/XXXX/2016 I spoke to a guy wanting to verify a debt. I told him to send me the claim of the debt via postal service and to stop calling my phone. They have not complied with this and continue to call me daily. They are calling from several phone numbers : XXXX, XXXX, XXXX, and XXXX.

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