vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: MI

Complaint narrative:
Freedom Mortgage has falsely reported me as later on my payments which auto deduct. This dreadful mess appears to be almost corrected ; however, the balance of my loan should be {$100000.00} after XX/XX/2016 payments. The XXXX shows a balance of XXXX. I would like this corrected and XXXX showing the correct balance sent to me so that I can file my taxes.

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 2016-04-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
My husband and I issued the attached complaint letter to Fifth Third Bank attention Office of the President. We received an apology letter as a response. I do not feel that this is sufficient based on the banks shortcomings in their communication, lack of preparation for the new mortgage guidelines and delays in the closing process. Our closing process was the most stressful situation we have ever experienced and this is admittedly Fifth Thirds fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IA

Complaint narrative:
My auto loan bank, BMO Harris, is not allowing me to access my loan information online and is making it extremely difficult to access loan information by phone. I just got caught up on my loan payments as I got behind when I got laid off from my job. When I was in default, the bank said I would not be able to set up an online account to look at my information and make payments. I understood, but then I got caught up on my payments so I owed {$XXXX} as of XX/XX/2016. I called to set up online banking but they told me I could not set up online banking because I was once in default and now can never set it up. This is very problematic for me because I need to be able to access my account to keep caught up on my payments. Today it says I owe {$440.00} dollars - three days later - and I do n't know how. My monthly payment is supposed to b {$290.00} so I do n't know what the extra charge is and I ca n't go look on my online account to see. I tried to call and the auto loan management number, which always works, wo n't register my social security number or auto loan number after calling and attempting at least a dozen times. I can not talk to anyone at BMO without getting through typing in a valid SSN or loan number so I can not talk to anyone about these charges. BMO seems to be deliberately making it difficult for me to make my auto loan payments. They have also tried to repossess my car unlawfully, citing that I owed {$4000.00} when I really owed {$400.00} and had made the payment but they had n't processed it yet. They are not working with me to allow me to make timely payments and wo n't let me have access to the information I need. It 's like they want me to default so that they can re-possess the car. I will not sit by while this happens to me and they keep making unlawful charges and not helping me pay.

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 2016-04-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I am trying to streamline my FHA mortgage. I sent late payment priority mail express overnight so I would n't get 30 day late. I mailed it to the address they said XXXX XXXX va but post office said they do n't deliver to the address that they pick their mail up. Well my payment sat at post office from XXXX XXXX/XXXX/16 until they picked it up XXXX/XXXX/16 which made them show my payment late.

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 2016-07-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Freedom mortgage reported me late on my mortgage when I paid it on time. I paid it near the end of the month but not over 30 days late like it is now reporting on my credit report. This really harms me because I am going through a refinance with another lender and they are helping me save money on my payments. I feel like Freedom is doing this so that I have to stay with them as my servicer. The company that is helping me with my refinance and I have been in contact with Freedom at least over a month with no response.. we keep on getting the run around. My credit score due to this has dropped from XXXX+ to below XXXX which is ruining my credit.

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 2016-03-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/XXXX, Fifth Third Bank purchased my mortgage from XXXX XXXX. XX/XX/XXXX, Fifth Third Bank sent a letter informing me of a shortage in my escrow that I needed to pay immediately or increase my monthly mortgage payment. After many calls dealing with unnamed Fifth Third customer service mortgage reps, I came to learn that Fifth Third Bank had decided to pay, or claimed to have paid, PMI payments for periods prior to their purchase of my mortgage. I informed them that the payments had been made by XXXX XXXX in a timely fashion and that any mistaken payment made were not my responsibility. 
My contacts at Fifth Third Bank were supervisor XXXX at XXXX and his manager, XXXX. Both failed to resolve their error and demonstrated poor listening/customer service skill. 
XXXX of XXXX XXXX at XXXX XXXX has been excellent in her service in her diligence and followup in an attempt to show the payments I had made were apportioned correctly and distributed to the appropriate departments completing all requirements by providing documents to me and directly to Fifth Third Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
I have been contacted multiple times by my mortgage company, Freedom Mortgage in reference to refinancing. I have advised them multiple times that I have recently refinanced but the calls continue. I have also advised them that I no longer wish to be contacted about the issue but the calls still are occurring on a daily basis.

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 2015-12-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Fith third bank ( contribution reference # XXXX ) reported inacurrate information to Early Warning system. As a result it reflects my report in a very bias way. After contacting Fith third bank on this matter, they ask for my information to see if they could resolve the matter. I.E. my account number or debit card number XXXX, Business name XXXX XXXX XXXX personal name XXXX XXXX XXXX. After giving this info they informed that they didnt see anything that was reported. So im asking for this matter to be investigated and release of any negative info on my report .Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 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: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
This loan originated in 1987 and was originally with Fifth Third Bank. It was sold to another company and was PAID OFF AS AGREED. Actually, the loan was overpaid by XXXX payment which resulted in a refund of the last payment. I do not remember the name of the company that bought the loan, but they sold it to another company as a receivable loan, which was fraudulent. I have had several collection companies trying to collect this loan throughout the past 25 years and is fraudulent. Apparently each of the companies that bought the loan kept reselling it as a receivable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
my Dad passed away and he had a written will and had a notory to make me general power of attorney and also a quick dead was made out and freedom morgage XXXX XXXX XXXX XXXX XXXX XXXX PHONE # XXXX was not going to honner the will so now they are trying to take the house away from me and trying to sell it with them knowing that i have a court date on the XX/XX/2016 they are trying to steel it from me.

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 2016-04-08 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation
State: NV

Complaint narrative:
They do not allow for early payments. For example, my payment is due on XXXX/XXXX/2016. I wanted to make my payment today, XXXX/XXXX/2016. They will not allow it. You can only delay payments, you can not advance them. While you are allowed to make additional payments or pay off early without penalties, you can not make advanced or early payments. This establishes a minimum interest charge that can not be reduced in order to pay off early. They advertise " no prepayment penalty '', however you are actually not allowed to advance your payments in order to prepay early. It seems unfair and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I have been on the phone numerous times with Freedom Mortgage and their " insurance '' department regarding providing proof of my HOA 's master policy and my personal XXXX coverage to avoid or reverse their increased " escrow withholdings '' in my monthly payments. No resolution to date, and my payments have gone up from {$3400.00} in XXXX 2016 to {$3600.00} since XXXX 2016. Principal, interest, and PMI payments due to Freedom Mortgage should reported be at {$2900.00}, so they are negatively impacting my credit reports.

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 2016-10-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Soon after the purchase of our home, XXXX XXXX sold our loan to Freedom Mortgage. We did not have an escrow account. Prior to the change over XXXX mistakenly created an escrow account and paid {$950.00}, which was corrected and credited back. However, when the loan account was transferred to Freedom this documentation was not with the file and they received an account with an escrow shortage of {$950.00}. Which they tried to collect from us. We informed them there was no escrow account and never was. We had XXXX on a XXXX way call with Freedom and XXXX stating that this was the case and that everything was current that XXXX never sent any bill. XXXX submitted the documentation for this to Freedom directly to XXXX XXXX ( this freedom agent asked for it to be directly sent to her ) on which we were cc 'd on the email. Freedom continued to deny receiving the document which we were fully able to view, open, save and see from the email. We again submitted this directly to now XXXX ( XXXX XXXX ext XXXX ) as well as Freedom 's customer care multiple times, with no response. We did this multiple times over the next few months. With no follow through from Freedom at all, never once have they called when they said they would. We finally had to fax the document in order to have Freedom confirm the documents receipt to XXXX. Freedom still claims they can not alter or correct the account or close the escrow account even with this documentation. They then put a hold on our last months payment, the funds have been taken from my bank account fro the scheduled payment but not applied to our loan. They are imposing late fees and have also filed to make our account delinquent with 30 day late payment. All the while we are fully paid and submitted on time properly. The funds have been taken from my XXXX XXXX account for the mortgage payment on time but payment has been not applied to the loan. We are in the process of trying to buy a larger home for our growing family but can not with a 30 day late report on credit file now. This process has been infuriating and completely the fault of the mortgage companies and nothing whatsoever to do with anything that I have done. This has been going on for months with hundreds of hours on the phone to Freedom and XXXX. Freedom has gave us the run around, lied to us, and provided no assistance. We also reached out to XXXX to have them set up an appointment to talk to Freedom as well. Our new broker suggested we contact BCFP and that this is exactly what you guys are here for.

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 2017-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: OR

Complaint narrative:
Freedom Mortgage states in their payment script that if a payment returns they may make a 2nd attempt to withdraw funds. A payment was submitted prior to XXXX and due to an auto withdraw error it returned. Freedom mortgage did not make a 2nd attempt without advising that they would n't which caused the payment to go over XXXX. Upon speaking with them and advising it was unfair and deceptive I was advised by a supervisor that it would not report. 11 days later I was sent a letter advising it would report and upon calling the mortgage company I was advised that none of their payments make a 2nd attempt, or that " only some depending on the bank '', but they would not provide a list of the type of transactions that would make one, and when brought up that the initiating bank makes the decision to withdraw twice, I was advised that " it just depends '' and that it did n't matter because their script says " it may ''. When brought up about the prior discussion with a supervisor, I was advised I would have to give them the date for them to find the notes, and then afterwards was told there were no notes from a supervisor. I asked for them to pull the call, as well as why they would say there is n't notes reflecting a supervisor agreeing the legal script could be deceptive and advising it would n't report, and then was told " they ca n't confirm or deny ''. 

If the legal script did not imply a 2nd withdraw would occur, I would have known and been able to correct this prior to XXXX, however because I was waiting for a 2nd attempt and not submitting an additional because I could not pay 2 mortgage payments, the company is now blaming fault on me as the customer for not knowing that " may withdraw '' would mean it would n't. This is clearly deceptive and unfair, as the initiating bank is the one who decides to make a 2nd attempt or not. Generally there is no conditions on what types of returns this happens for, and the company can not provide a list to their customers so that they are being transparent. It is also completely deceptive that a supervisor would promise that it would not be reported due to those factors, and then when the company decides to do it anyways there is suddenly no record of this and they are completely unwilling to rectify it.

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 2017-01-05 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Topic! 
Santander bank XXXX Pa. 
I had a checking account bal. of {$1600.00} on XXXX/XXXX/17 a check came in {$39.00} for payment from my account on XXXX/XXXX/17 That same morning XXXX I made a cash deposit of {$800.00} and check deposit of {$350.00} ... 
My account was charged a {$35.00} overdraft fee ..Santander bank has been doing this and charging these fees on a regular basis..at times the bank fee is correct in the overdraft charge ... but at this point with a cash deposit to cover the fee that same morning seems excessive and fraud to me ... 
Sincerely, XXXX XXXX XXXX

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
Consumer complaint received 2015-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have mailed countless letters to this debt buyer/collection agency and they have thus far refused to provide any evidence that this is my debt or that they own this debt. they need to be investigated for their treatment of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Patient Accounting Service Center
State: NY

Complaint narrative:
Arstrat Debtor information and payment online options not available. 
Debtor unreachable only by mail. I feel unsafe mailing out checks to this business not endorsed by the XXXX. Their is no way for me to check my balance by automated system. I dont know any up to date information regarding this account. I have no confirmation of payments made.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Consumer Loan — Personal line of credit
Issue: Managing the line of credit — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I took out a personal loan from Wells Fargo in XXXX of XXXX. I have been receiving letters from them for close to a year, asserting that I am behind by XXXX payments. My payment, per month is {$210.00}. By their calculations I now owe a total of {$1500.00}, which includes unpaid late charges of {$740.00}. I sent XXXX copies of my checking account statements, showing the payments were made. I have been unable to resolve this issue, with the most recent correspondence, from XXXX XXXX, XXXX XXXX XXXX - XXXX, stating that XXXX payment on XXXX XXXX, XXXX was made and applied completely to interest, as " no payments had been made for three months prior. '' She never addressed the copies of my statements showing proof of my " missing payments ''. I have been to the branch office in XXXX XXXX, PA, but to no avail. They state they can not do anything about it, that I must call the company directly, which I have done numerous, numerous times. I would appreciate any assistance that you could provide.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Trans union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is now suffering as a result. No notice was given which is also a violation and I am requesting that ALL inquiries be removed.

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 2015-07-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I agreed to a monthly home phone payment of {$19.00} per month and XXXX tablets at {$10.00} per month. They were supposed to waive all of the fees up front. The amount I should owe from XX/XX/XXXX through XX/XX/XXXX is {$120.00} plus about {$300.00}. to break my contract due to their negligence. That would be a total of about {$420.00}, not {$830.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX/XXXX/XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX XXXX : XXXX # *********** Requesting Remove Item 30 Days Late Payment XXXX XXXX Account # XXXX I had a XXXX XXXX Account ending last XXXX # XXXX They have been reported late payment 30 days on XXXX XXXX all XXXX credit reporting agencies Experian, XXXX. 
But I am already contacted with them and they removed 30 days late payment above account on my all credit reporting agencies on XXXX XXXX. 
XXXX completely deleted there credit file ( Refer attachment Protect ID Experian report and CPFB XXXX XXXX responded XXXX already deleted ) XXXX also They removed on XXXX/XXXX/XXXX .But again XXXX XXXX reported on XXXX XXXX as a Late payment XXXX above account on XXXX report XXXX After that I complaint Consumer Financial Protection Bureau ( CFPB ) ON XXXX/XXXX/XXXX They believed XXXX XXXX send wrong information and XXXX deleted above late payment on their credit file ( refer CFPB Case number XXXX and copy attached ) Now up to date no longer shows my XXXX credit report above Late payment on XXXX there credit reports. But your reporting agency still shows above account as a Late payment. 
I submitted XXXX XXXX and XXXX XXXX though Experian to follow up my investigation above account but XXXX XXXX they response was asking supporting documentations. ( XXXX XXXX and XXXX XXXX letter attached your reference ) They failed to response with 30 days time period. Consider all facts and please helped me out to re-investigation and delete late payment XXXX account number ending XXXX Thanks XXXX XXXX XXXX XXXX

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