vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-01 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I responded to an offer made by my bank, Fifth Third Bank, to give me a limited time, interest-free credit card if I transferred my balance from another credit card company to theirs. I accepted the offer and transferred an existing balance from another credit card company. I did not received a bill from Fifth Third Bank for 2 months until I received a bill for 2 overdue payments and penalties. I finally sorted out this problem and got the penalties removed although the bank said that they had sent me the bills which I am absolutely certain I never received. 

The main source of my complaint against Fifth Third is that I have received a bill since I spoke to the bank which did not have any information for a 3 year payoff. I called the bank and could not get past an uncooperative customer service agent. I requested the amount I would owe if I chose the 3 year option, and the agent said that she knew of no such option and that she did not have the ability to calculate the lower payoff amount. I told her that the law required Fifth Third credit card bills to list the 3 year payoff option, and she denied that this was true. After a lengthy session of wait times and her reporting that her supervisor had said that they knew nothing of this option, I gave up. I have since received another bill without the 3 year option listed. I researched the 2009 Credit Card Act and found that banks ARE required to disclose this amount on their bills. I am willing to send copies of the XXXX bills in question but lack a scanner to process them. I hope that Fifth Third Bank is fined the maximum amount allowable for violations under the Credit Card Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Mullooly Jeffrey Rooney & Flynn
State: NY

Complaint narrative:
Received a letter from a law firm attempting to collect a debt that was never incurred by me, nor was it ever applied for by me. I contacted them and they stated it was for XXXX XXXX, a XXXX XXXX, and the amount that was owed, they did not have any verification of the debt. So I am disputing the debt, knowing that I did not create this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
I took an auto loan from Fifth Third Bank in XXXX of 2014 via a Car dealership. I was actually approve dby a different institution but the car dealership suggested I will save more money if I were to go with Fifth Third Bank. My monthly payment is {$440.00}, but I have been paying {$500.00} for the past 7 months, despite this, when I compared my loan info and payments compared to online loan calculators, I learned that I have been paying a lot more in interest charges due to the manner in which Fifth Third Bank is compounding interest, this was never explained to me either by the dealership nor by the Bank. I believe this is very misleading, pernicious and predatory practice. Can the CFPB please investigate this?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA

Complaint narrative:
Never once missed/been late on a mortgage payment. I contact 5/3 Mortgage ( my mortgage lender ) notifying them of a job transition that was going to leave me without a paycheck for about 5 weeks. I asked for a two week extension on my mortgage, of which they said that would not be a problem. My mortgage was promptly paid two weeks later. After that two week extension I have remained current on my mortgage like I always have. Turns out - they reported me to all XXXX credit bureaus as delinquent. I called and asked for a request for correction, to which 5/3 issued a denial letter stating that it was reported accurately. My attempt to speak with a human in the Mortgage Dispute department have been violently sequestered, providing me only with a fax number. My new job is in a new city - now with this on my credit I ca n't qualify for a loan on the house we have been looking at.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation
State: TN

Complaint narrative:
My complaint comes from the fact that Avant a personal loan company based out of XXXX, was having trouble with my payments. I was attempting to make my payments, however they were securing the funds from the wrong account. ( AN ACCOUNT THAT WAS NOT MINE )!!!!! I noticed this immediately, and called them to let THEM KNOW that they were not collecting correctly, and I was trying to make my payment. ( i Have never had so much trouble trying to convince someone to take my money ) After I called and let them know that they were making a mistake, they charged me for the interest for the " late payment ' This payment was never late, and could not have been addressed any sooner than after my scheduled date to make a payment. As soon as it was able to be fixed, I again reached out to let them know the mistake they were making. They said they would call me back. 

What they have done, is nothing, and have over charged me for a payment that was never late, and should have never been late. And to this date, there has been no issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Franklin Credit Management Corporation
State: CA

Complaint narrative:
A letter was sent via certified mail to Franklin Credit Management Corporation regarding an amount owed. This debt represents fraud, unjust enrichment, breach of contract, violations of Civil Code Sections 2924, the Business and Professions Code Sections 17200 and Fair Debt Collections Practices Act, by failing to serve proper notice of default, claiming excessive amounts due are owed, and failing to provide supporting documents. as requested XXXX XXXX, 2015. A XXXX Certified Letter was sent on XXXX XXXX, specifically despite previous letters sent on XXXX XXXX. The XXXX representing Franklin Credit Management Corporation, failed to respond to said dispute letter and continues to illegally engage in harassment, fraud, unjust enrichment, breach of contract, violations of Civil Code Sections 2924. et seq,, the Business and Professions Code Sections 17200, et seq., and the Fair Debt Collections Practices Act, by failing to serve proper notice of default, claiming excessive amounts are owed, and failing to provide documents. NO assistance was offered and not effort was made in compliance with California Civil Code Section 2923.5 ( e ) to contact the borrower to discuss the borrower 's financial situation and to explore options for the borrower to avoid foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
My bank card was kept at the XXXX, NC ( XXXX ) branch of 5/3 Bank after I forgot my password. I told the rep at that location I live XXXX miles away round-trip and asked if my card could be mailed to my home or a new card issued and mailed to my home. The rep at this location offered NO help in retrieving card other than driving the XXXX miles round-trip. I contacted the 5/3 Bank help department THREE times via their online contact option, but I have never been contacted or received my card in the mail. I do not know why this is such a big deal. I can answer any question over the phone that I can answer in person. I just want my bank card, so I can access my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-09 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Business and Consumer Solutions.
State: CA

Complaint narrative:
This collection agency has REAGED AN OLD MEDICAL DEBT which is highly illegal. They threatens me and did reage my account on my credit report. this is a small medical debt that I told them the va will take care of since I 'm a veteran.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
you can not get your statements on line of what you have paid whom

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Levy & Associates, LLC
State: OH

Complaint narrative:
Was sued by XXXX XXXX. Contacted office twice for proof of debt and who originally had the loan. Twice they mailed a copy of the default judgement. They refuse to provide any proof of what this debt was for, who original owner of debt is, and amount. I disputed this through XXXX and it was removed. However, XXXX XXXX Court is still showing that it is not satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
FIFTH THIRD BANK HAS TELEPHONED ME TO INFORM ME THEY HAVE BEGUN FORECLOSURE PROCEEDINGS. I HAVE NEVER MISSED A PYMT OR BEEN LATE. THEY CLAIM I AM IN DEFAULT BECAUSE I ADDED MY MOTHER TO THE DEED OF MY HOUSE AND ALSO BECAUSE I FILED BANKRUPTCY IN XXXX AND DIDNT RENEW MY LOAN. 
THEY ARE DOING THIS BECAUSE I CALLED THEM AND INFORMED THEM THAT I BELIEVE THERE IS A MISTAKE SOMEWHERE. I INFORMED BANK THAT MY CURRENT STMT SHOWS I STILL OWE $ XXXX AND ITS SUPPOSED TO BE PAID OFF IN XXXX XXXX. THEY STATED I HAVE A TERM LOAN WITH A BALLOON PAYMENT BUT THEY LEFT OFF THE AMOUNT. THAT IS COMPLETELY NOT TRUE. I WAS SUPPOSE TO GET AN XXXX YEAR LOAN WITH FIXED RATE. NO WHERE ON MY LOAN DOCUMENTS DOES IT SAY I HAVE A BALLOON. IT STATES I HAVE A PREPAYMENT PENALTY ... THAT WAS CLEAR. MY PAYMENT TERMS ARE : FIXED RATE 8.44 %, DUE XXXX/XXXX/XXXX. THIS IS STATED ON ALL MY DOCUMENTS ... THE PYMT AMOUNT, INTEREST, THE NUMBER F MONTHS XXXX ... BUT NO WHERE DO I OWE ADDITIONAL MONIES. BANK CLAIMS I OWE THEM SOME UNDISCLOSED AMOUNT PROBABLY XXXX XXXX. SO THEY WANT ME TO REFINANCE IMMEDIATELY AND CHARGE ME A PREPENALTY FEE BECAUSE THEY WANT TO FORECLOSE. THE MADE A TERRIBLE MISTAKE SOMEWHERE AND WHEN I BROUGHT IT TO THEIR ATTENTION THEY WANT ME TO GET THEM MONEY I DONT HAVE OR THEY TAK E MY RESIDENCE. THIS IS UNFAIR, DECEPTIVE AND UNETHICAL. BALLOON PAYMENTS ARE A MATERIAL ITEM THAT SHOULD HAVE BEEN DISCLOSED TO ME. IT IS NOWHERE. IT WASNT MEANT TO BE A BALLOON THAT WHY THEY CANT FIND IT, BUT THEY WANT XXXX TODAY. IN FACT, THE MOST RECENT PHONE CALL THEY INFORMED ME THAT UNLESS I TELL THEM WHERE THE MONEY IS COMING FROM, THEY WILL PROCEED WITH FORECLOSURE AND APPRAISALS, ETC. OF COURSE, FEW DAYS LATER, AN APPRAISAL CAME IN. FIFTH THIRD BANK IS TAKING NO RESPONSIBIITY AND IN FACT IS TRIYING TO RUN ME OUT OF MY RESIDENCE BY SENDING ME LETTERS FROM LAWYERS AND CALLING ME WITH THREATS. I HAVE CONTACTED SEVERAL OF THE BRANCHES AND THEY ALL SEEM TO HAVE THEIR HANDS TIED. I GUESS THE BANKER IM SPEAKING WITH IS LIKE A XXXX. NO ONE CAN GET PAST HER. I HAVE BEEN TOLD THAT THEY WILL STOP ACCEPTING MY PAYMENTS. NOW THAT WORRIES ME ... BECAUSE MY PAYMENT MADE ON XXXX/XXXX/XXXX STILL HASNT CLEARED ... ITS XXXX. AND WHEN I CALLED FIFTH THIRD BANK THEY DONT KNOW WHY .... SO I GUESS THIS IS THE BEGINNING OF THE FORECLOSURE. THIS DOESNT SEEM POSSIBLE, AS I NEVER MISSED A PAYMENT ... THIS IS A COVER UP.. LASTLY, WHEN I WENT TO ANOTHER FIFTH THIRD BANK ... THEY TOLD ME I WASNT IN DEFAULT JUST ADDING MY MOTHER TO THE DEED, IT IS BECAUSE I FILED BANKRUPTCY IN XXXX AND DIDNT RENEW MY LOAN? ARE THEY KIDDING? THEY ACCEPTED MY PAYMENTS NOW FOR OVER XXXX YEARS SINCE MY BANKRUPTCY. I HAVE BEEN TRAUMATIZED BY FIFTH THIRD BANK AND THE THREATS OF FORECLOSRE. I DONT WANT TO LOSE MY HOME.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Avant Credit Corporation
State: CA

Complaint narrative:
I applied for a loan thru Avant just a few weeks ago. I submitted all the details they requested and even called to verify if my application was complete. I was told yes, they had all necessary information, Employer, Income, mailing address. Today I received an e-mail stating they denied my loan because they could not verify my income. How is that possible? My income is obviously needed for a loan. I called and spoke to XXXX who said he would submit my complaint to the complaint department because he can not see the reasons why I was denied and I would hear back in 14 days. I received another e-mail stating that my loan is denied and they have sent me a list of reasons. I have never received any correspondence other than an initial e-mail earlier today. My income is the first thing that was submitted. They never reached out to me in any way to ask about my income. This was just a waste of time, a false company that only runs your credit to make other creditors they work with call me or e-mail me. TOTAL SCAM! Now I have an inquiry in my credit because this company is not legit and their approach is very unprofessional. I do n't want to ever do business and I want that inquiry removed because your claim that my income was unverifiable is a major lie!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
To whom it may concern : The 53rd Bank is making continual harassing phone calls to me. When I answer the phone, customer service wo n't even answer the phone call. I am sick to death of these phone calls and want an end to this harassment right away. Thank you for pursuing this harassment charge against 53rd Bank. www.53.com is the website address. I really appreciate your investigating this for me. 

Sincerely, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX IN XXXXLast XXXX of SS # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
We have a vehicle loan with the bank and when we send the check to bank for endorsement the bank posted check toward loan balance instead endorsing check to get vehicle repair

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Around XXXX XXXX XXXX called my cell phone and asked me why I did not pay my capital one card today and what will it take to settle this debt today. I told them I do not know what they are talking about, and they proceeded to ask me why do n't i want to pay the debt I owe. I told them I do not have a capital one credit card, they wanted my social security number that I refused to give them, the person who they are looking for is an XXXX something year old person I told them its not me and they finally agreed to remove me from their list. I come home and the home phone rings same company once again I told them I already told you to remove me from your list this is harassment whomever your looking for does n't live here, they said OK verify your social again i refused they told me they would remove me from their list. They stopped calling for a few weeks and now this week they started calling again every day they call me trying to tell me I owe them capital one debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Dear Sir/Ms. : For the purpose of introduction, I am a XXXX. In XX/XX/XXXX I completed a XXXX, in support of Congresswoman XXXX XXXX XXXX, ranking member on the committee on Science and Technology. 
In XX/XX/XXXX, I decided to complete a XXXX degree ( started at XXXX XXXX University in VA ) so that I could XXXX after over 35 years of XXXX. Due to a busy travel and work schedule I decided to use XXXX University ( my mistake ), and XXXX Department of Education ( DOE ) Federal Stafford loan as a matter of convenience. After acceptance of my application, The DOE, under XXXX XXXX, put the management and control of the loan into the office of the XXXX University Office of Financial management, and the largest alleged debt is now from WELLS FARGO? 
I received a communications from the US Department of Education dated XX/XX/XXXX ( please see attached file ). In that communications is further evidence of fraud. In the first table is a stated total of {$23000.00} from a Lender XXXX, XXXX, WELLS FARGO. I have never, ever, in my life applied for a loan with WELLS FARGO. I have never done any business with WELLS FARGO or talked with any representatives of that organization, yet the largest loan is stated as from WELLS FARGO. 
After passing the XXXX and continuing to the XXXX, fraudulent issues concerning mounting debt became so confused and exasperating, I realized that the school is about stealing money and not education. Therefore, XX/XX/XXXX, I notified XXXX University of my displeasure with their operation and that I will not continue with their program. I then started to repay the XXXX loan I made with the Department of Education ( DOE ), while trying to get answers to serious matters that indicate mishandling of the loan process by XXXX U and WELLS FARGO. A XXXX PLUS Loan is among my many complaints, it appeared at over 7.4 % interests when the DOE loan I applied for was 6 %. Thinking I made an error I paid it off in full. I continued making payments thru XX/XX/XXXX until I believed that all payments due were satisfied. I now have no confidence that the money I paid was ever received by the Lender, the DOE. The loan is now in default. 

After many attempts for assistance in resolving the issue, I submitted a letter of complaint to the new US Attorney General XXXX XXXX,, the department of justice responded with a letter, dated XX/XX/XXXX ( ID # : XXXX ), acknowledging they received my communications and will act on it. I am presently waiting, waiting, waiting for a response from the Department of Justice.

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 2015-08-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I am a full-time student. I asked my mother to help me figure out how to manage my student loans. She helped me file for consolidation and deferment through XXXX. When she called Navient to inquire about how to ensure they had current information and what options I had to get current, after waiting on hold for over XXXX minutes and having to call again, she was told that she had to pay MY back balance by Monday, XXXX XXXX or they were going to default my loan. That was stressed as the only option. When she asked for copies of the promissory notes to be sent by email, she was told that they " had to do that now that she asked for them '' but it had to go through the legal department and would not be in time for the XXXX XXXX deadline that he set. I am not sure that any information they gave me is correct as far as how to manage this debt as a full-time student with obviously limited income.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. I orginally had signed a lease for 6 months at this complex but later on that day I found out that I was being laid off ( During the Financial Breakdown of 2008 ). I called the then property manager XXXX and let her know what had transpire and she agreed to cancel the agreement. Three years later I have a collection hit on my credit report of a broken lease with XXXX XXXX from Fair Collections and Outsourcing. I have never lived in this complex and I have been fighting with them to take this off my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: PENTAGON FEDERAL CREDIT UNION
State: MA

Complaint narrative:
Penfed XXXX " XXXX '' refused my online payments after many months of successful payments stating my payment was " ineligible at this time '' because I had vehicle loan with Penfed that went into default. 

Penfed refused to take payment for my mortgage because I was late with my vehicle loan!!!

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