vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
in XXXX XXXX I contacted 5th third to request information on my vehicle title which I never received. They informed me it was shipped in XXXX and returned, they advised they would resend it and I would receive it 3-10 business days. On XXXX/XXXX/XXXX I called again due to the fact no title has been received and they could not give me information. An hour later and transferred numerous times until we were told they do not have notes or show where we did the request as that is not something they take when a customer calls ... .are you kidding me? This is a banking institution, they should notate everything. We asked to be sent to a supervisor. After another 20 minute hold we were transferred to a supervisor by the name of XXXX. XXXX, is now stating they do not have any record of calls as they do not take notes in the Customer service department. they state they can not expedite the request unless it is the banks error ... THIS IS THE BANKS Error. I am now on hold again and it has been longer than an hour and I am furious. Per XXXX the supervisor they can not transfer us to the collateral department as they only get emails. I am in shock that this is how you all treat your customers and that a banking institution does not take notes. XXXX is suppose to call us in 24-48 hours with an update as to where our title is. 
Employee ID # XXXX, Phone # XXXX. I need my title, the car has been totaled almost killing my son and I am unable to get resolution on accident and recovery due to 5th thirds lack of customer service. Can you please contact us immediately on this, we need resolution. XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
My home mortgage had a starting balance of {$430000.00} XX/XX/XXXX. My monthly payment was paid through auto-deduct each month, on-time and was {$3100.00} ( principal- {$670.00} ; interest- {$1300.00}, and ; escrow- {$1100.00} XXXX. I refinanced and paid off this mortgage XX/XX/XXXX and Freedom provided the following payoff statement to my lender ( this was prior to receiving my XXXX payment, which resulted in a lower principal of {$420000.00} XXXX : Principal- {$430000.00} ; Accrued interest- {$4000.00} ; escrow advance- {$1100.00} ; unpaid late charges- {$250.00}, and ; recording fee- {$86.00}. The total payoff due was {$430000.00}. I have called Freedom multiple times to ask them to remove the late charges & recording fees and their reps said these should n't have been charged and are incorrect, but to my knowledge, they have n't been removed. Additionally, I asked for a breakdown of why they indicated {$4000.00} of accrued interest when my monthly interest is only {$1300.00} -- which means they collected over 3 months of interest at my closing. They said they would send me documents to support their figures and show an accounting of their figures, and how much I was owed back, and that I would receive these by XXXX, but I have not received them as of XXXX. I called them back XXXX and their message said their call volume is too high, so I would need to call back another time, and then it disconnected me. It seems to me that their accounting is erroneous, inaccurate and potentially fraudulent, and that they have no intention of correcting this, or giving the consumer any documents to refute their erroneous calculations.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
I filed bankruptcy and everything was discharged except my mortgage and car loan. The car loan was with 5th Third Bank and an investigator is calling my duaghters and my place of work! His name is XXXX XXXX at XXXX. I have asked him to not contact me any further.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-03 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: Franklin Credit Management Corporation
State: CA

Complaint narrative:
We took out a second mortgage for XXXX for a 15 year loan in 2006 with XXXX XXXX XXXX who sold it to XXXX who sold it to Franklin Credit managment. The initial interest rate was 13.9 %. I made payments for 3 years the Principal stayed at XXXX. I had no contact from this company for 6 years. After 6 years they contacted me 6 months ago saying I had to pay XXXX in back payments or they would foreclose. They then hired The XXXX who put a Notice of Foreclosure on my house. This is a predatory loan. The loan amount never went down. The loan was for 15 years. We will pay them a total so far of the XXXX + the XXXX which will = 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 2016-04-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc.
State: NY

Complaint narrative:
This is a continuing problem with XXXX XXXX since XXXX. I had XXXX cell phones with them. XXXX of them I used myself and the other was shut off by me and my granddaughter played with it. The contract with XXXX expired In XXXX, XXXX so I contracted with XXXX XXXX XXXX for a new cell phone service. Ever since this I have been CONSTANTLY harassed by XXXX and various collection agencies and the amount has increased to over {$610.00} supposedly owed them from an original {$150.00} charge. I have all the appropriate paperwork to back this. Today ( XXXX/XXXX/XXXX ) I received a very nasty phone call from Diversified Adjustment Company by a man who called himself XXXX. He was very rude from the start demanding to know where I lived, what my previous address was. I demanded to know who he was and what he wanted. He finally admitted it was a collection agency and was collecting on a debt to XXXX XXXX. I told him that i will not pay any XXXX bill that it is not due for any reason after all this time. I told him that I had talked to my attorney and he demanded to call my attorney and I refused to give him the attorney 's name or phone number. The phone number he called from was XXXX. 
I am more than fed up with these collecting agencies calling me and I want the FTC to do something to protect my rights under the Federal Fair Debt Collection Act. I think that collection agencies such as Diversified Adjustments should not only be fined but put out of business. It is harassment to the first degree to be constantly contacting me by phone or mail. I told this XXXX NEVER to call me again. I would appreciate you filing a formal complaint on this as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Avant Credit Corporation
State: CA

Complaint narrative:
In XXXX of XXXX I applied and was approved for a loan from Avant ( via XXXX ) in the amount of {$13000.00} at an interest rate of 31.97 %. The monthly payments are {$480.00} with the total finance charge being {$10000.00} for total payments of {$23000.00}. Upon contracting for this loan I was advised that after one year I would be able to refinance the loan for a better interest rate, which is exactly what I had planned to do. 
In XXXX of XXXX, after one year of full and timely payments, I applied for refinancing and was declined. I was advised correspondence stating the reason for the decline would be sent forthwith, yet I never received one. I was also advised that I could " try again '' after 30 days. I continued to so, nearly every 30 days, and was always declined, with no correspondence as to why. My living situation has since changed plus I now have medical bills which require my attention for possible ongoing treatment. This time I pressed very hard for correspondence explaining the reason I was being declined. I conveyed to customer service that all I want is to re-fianance the remaining balance ( as of this date {$10000.00} ) for a more reasonable interest rate ( the rate I pay on my credit cards is 28 % as I do not have perfect credit ). The reasons stated for their decline sounded made up at best ( e.g. insufficient income ; limited credit experience, etc. ) When I asked for elaboration, they provided none. None of the factors they have stated are true and I responded as to why their reasoning was incorrect. If these factors they are stating are a reason to decline my request for a re-finance to the lower amount and lower interest rate, should n't they have declined the original loan? In addition, I have asked to have the due date changed from the first of each month to the middle of the month ( which is easier for me to handle financially ). Avant also declined that request ; however, I am allowed to move the due date month by month to a date being no later than the XXXX, but am charged additional daily interest for me to do so. Can the above experience be defined as some sort of usery? I fully intend to pay the loan, but was clearly under the impression that I would be able to re-finance said loan after a year as I made my full and timely payments. I feel I am being continually being declined ( due to ridiculous reasons that make no sense ) so that the company can continue to benefit from the outrageous interest they continue to charge. I can provide copies of said emails at your request, and a copy of the original contract, should you so desire ; however they are not attached to this complaint as they contain personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Franklin Credit Management Corporation
State: NJ

Complaint narrative:
Entered in a mortgage modification with Franklin Credit Management Corp in 2011, terms : " A '' .give them {$150000.00} which I gave them, " B ''. Make XXXX payment of XXXX a month for 6 months which I did, " C ''. I was to be giving a permanent modification once A and B were completed. Permanent modifications agreement terms. {$150000.00} mortgage over 40 years with monthly payment of {$930.00} a month, balloon payment end of 40 years of {$170000.00}. Pay my own real estate taxes and home owners Ins. ( no escrow ) They are still trying to foreclose and will not honor the agreement. They now have another mortgage servicer involved XXXX mortgage servicing, XXXX new York.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
Freedom Mortage is refusing Automatic termination of PMI at 78 % LTV as required by Homeowners Protection Act ( HPA ) of XXXX ( Automatic Termination as required by USC Title 12, Section 4902 ( b ), and definition of : Termination Date as defined by USC Title 12, Section 4901, ( 18 ) ). Freedom Mortgage is incorrectly applying an investor guidelines as outlined in Consumer Financial Protection Bulletin XXXX, dated XXXX XXXX, XXXX, Section XXXX, on Automatic Termination, and specifically Page XXXX Section B applying to " Investor Guidelines ''. I am submitting a formal complaint and wish Freedom Mortgage to comply with Federal HPA Law.

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 2016-01-23 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: GA

Complaint narrative:
Diversified Adjustment Service has placed a fraudulent trade line on my credit report in order to extort monies from me that I do not owe. I have ask repeatedly for Diversified Adjustment Service to validate the debt per the FCRA/FDCPA and they have failed to do so. There negligence is causing me personal injury. 

Account # / Reference # XXXX

Company public response: Company disputes the facts presented in the complaint
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: Communication tactics — Frequent or repeated calls
Company: Financial Business and Consumer Solutions.
State: FL

Complaint narrative:
I 'm being called every 3days by this company/number never a voicemail describing who it is or why the call. Its harassing ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
I have contacted our current loan servicer, Freedom Mortgage by phone in order to recast our loan. I was told to put my request in writing and fax it to them. I did this in XX/XX/2016. Since then I have received letters stating they are looking into my inquiry, but no satisfactory response has been provided. It has been over 90 days now and they continue to '' research '' this issue. I called again to spoke with some one in customer service last week. She actually knew the term re-cast and told me I would have to pay a 20 % downpayment in order to recast. My original loan was with XXXX and I have the terms of the loan stating that I can re-cast at any time with a 10 % downpayment. I have sent this information to Freedom Mortgage as they are to honor the original terms of my loan and not change them just because my loan was sold to them. At this time I feel I need help just trying to recast my loan which should n't be an issue, but it has become one. By the lender 's delay in proving me specific instructions on how to re-cast, I have had to make XXXX payments at the higher amount. I want to make sure my 10 % downpayment is part of the re-cast process, and not merely a payment toward principle. No one has been able to provide instructions, nor do so in a timely manner. I have waited XXXX months now with no help from Freedom Mortgage.

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 2016-12-26 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BMO BANK NATIONAL ASSOCIATION
State: UT

Complaint narrative:
Signed up for BMO Harris checking account on XXXX/XXXX/16 with {$200.00} signup bonus. I 've met the terms of the bonus and have contacted BMO with the promocode ( XXXX ) I had used to signup for the account. Another month has passed with no resolution. It has been over 120 days now since I opened the account. I 'd like to bring this to closure.

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 2015-12-31 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XXXX XXXX, 2015 I viewed my online checking account through 5/3rd banking and I realized I was in an overdrawn state of $ XXXXin my checking account. I was charged recurring for 3 days on XXXX XXXX, and XXXX without notification that my account was in a negative state. Upon paying the balance I called the customer service at XXXX and spoke to both a XXXX and his manager XXXX and I complained that I was not notified via email or even by phone that I was in a negative state. I did however receive a letter on the XXXX of XXXX stating that my account was overdrawn. I told both gentleman that it was unprofessional and uncourteous of the bank to not notify me sooner about this problem. XXXX the manager said that the bank does NOT notify by email or phone and that they only notify by only by letter. My concerns are that if this is the case why did a letter not come any sooner and why did it take 7 days for me to be notify. I am also concern that since it was a holiday weekend had I not been home for the holidays I would not have known about this problem until afterward and could have potentially been hit with more overdraw fees. Upon opening the account I had asked the bank to not process anything if there were not sufficient funds in my account. I suspect that 5/3rd computers are program to send letters after generating more than XXXX overdraw fees recurring thus putting the consumer in financial risk.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-15 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I received a mail offer to open a new credit card from Fifth Third Bank, XXXX, OH. I submitted an online application in XXXX. I received a letter dated XXXX/XXXX/2015 from the bank, asking for a copy of my Social Security Card. I sent a copy of my Social Security Card by First Class mail, within 30 days as required in the letter. 

As I received no response from the bank for several days, I called their customer service center and was told that they have received the required document from me and were processing the application. I was told that I would receive a response within a week. 

Again, there was no communication from the bank for almost a month. I called the customer service number again on XXXX/XXXX/2015, and was told that my application was rejected as the bank received the required document after 30 days from the date of request. However, previously, they had confirmed that the document was received and the application was being processed. 

I find it disturbing that Fifth Third bank did not inform me about their decision. I had submitted my personal financial details and a copy of my social security card. I would n't have known if they had issued a card and someone else had received it, and started using it. I had to call repeatedly to know the status.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
Hi. I had five errant ATM transactions in XXXX on XXXX/XXXX/17 The ATM machine cancelled the withdrawal transaction but posted it to my account as a withdrawal five times. 
BMO has only credited me for FOUR out of FIVE transactions, and TWO out of FIVE transaction fees. I am still waiting for the credit on one transaction of {$130.00} and TWO additional {$4.00} transaction fee and ONE additional {$3.00} transaction fees. 
Please see attachments for original statement and the current credits. Obviously, I would like to get the final credit for the transaction and the fees.

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 2015-03-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
I have wrote countless emails and talked to Customer Service about getting my Escrow check for 2014. They have never sent it and the town of XXXX is still never received and now FREEDOM MORTGAGE STILL HAS NOT SENT CHECK OR CALLED ME BACK. I have never had to deal with anything like this in my life. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
the collector that called me did NOT MINI MIRANDA me. they called and left me a voicemail, so I called back and told them that according to the FDCPA they were not aloud to do so, the man began raising his voice at me and told me that they can do whatever they wanted to do and that they can call multiple times to my number. 

THIS ACCOUNT NEEDS TO BE CLOSED OR I WILL CONTACT AN ATTORNEY AND TAKE LEGAL ACTION AGAINST THIS COMPANY. THEY NEED TO STOP HARRASSING AND VIOLATING THE LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America sold my mortgage loan to a 3rd party company. The problem is that is being sold to XXXX XXXX XXXX, XXXX. After doing research on this company, I have discovered this company has a LOT of bad reviews. Does the consumer has a right to pick where their mortgage is being sold to? Or can the consumer have a say in what company their mortgage is being sold to. What if the company it is being sold to is known for problems.

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 2015-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: National Arbitration Forum
State: AZ

Complaint narrative:
I 've reported these people before. Called at XXXX XXXX. 

Here 's the message they left : This message is for [ uninteligable ] regarding file number XXXX This is XXXX XXXX XXXX now serving final legal notification. Failure to respond within the next XXXX hours will result in you forfeiting any and all rights for about restitution. Your case will be forwarded out to your local jurisdiction to be prosecuted to the fullest extent allowed by state law. If you wish to prevent legal action is imperative you contact the filing department at XXXX [ message ended ].

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I have no knowledge of this debt

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