vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
XXXX HAS COVERED UP AND ASSISTED IN NUMEROUS COUNTS OF LOAN FRAUD. XXXX AND FREEDOM MORTGAGE ARE ALSO GUILTY OF ILLEGAL LOAN ORIGINATION, EMBEZZLEMENT, CONSUMER FRAUD AND MORE. 

IN AN ABSURD CLAIM OF LEGAL INTERPRETATION, INTENTIONAL FRAUD IS WRITTEN OFF AS ACCIDENTS AND THE CONSUMER IS RIPPED OFF WITHOUT RECOURSE INTERNALLY. EVEN MORE BIZARRE, FRAUDULENT LOANS ARE NOW VALID BECAUSE THEY SOLD IT ... ILLEGALLY. 

ATTACHED IS A SETTLEMENT OFFER TO END THIS DISPUTE ONCE AND FOR ALL

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 2016-04-25 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA

Complaint narrative:
The original charges of {$90.00} and {$41.00} were charged by XXXX for monitoring. In XX/XX/XXXX I had contacted the XXXX in Arizona to complain about a new security alarm system not working and not being able to make contact for technical service. They have not responded to XXXX. Therefore, XX/XX/XXXX I called the dispute dept. at 53 Bank to register a dispute against XXXX 's monitoring charges of {$90.00} and {$41.00}. Fifth Third Bank issued late payment and interest charges of XXXX against my account on XX/XX/XXXX after I had called disputing the charges. Debits of {$90.00} and {$41.00} were issued on XX/XX/XXXX but the late payment fee and interest remained on my account. I called again concerning the late payment and interest and the dispute dept. told me that they will remain on my account until the issue was resolved and I would either have to pay or they would be removed after the dispute was settled which would take up to 90 days. I asked them why they did n't remove the late payment and interest charges also because I am receiving collection calls on something I am disputing. They told me not to be concerned that my account was documented on the disputes. I am still receiving numerous calls from collection agent on paying this late fee and interest. I told them that I was not paying for any charges that were not justified. I continue to get collection calls and another late payment charge on a balance that was a late payment charge for items in dispute. When I called today they were wanting to switch me back and forth to explain their procedures. My complaint is on their procedure of not removing the late and interest charges until the disputed matter is resolved. To me they are gouging their customers. It took them almost a month to remove the charges from my account and then they want to charge me excessively for late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
i went in to locate 53rd bank XXXX XXXX XXXX XXXX XXXX, OH XXXX wanting a explanation on why in being charge overdraft fee, they no explanation on what chagers cause the overdraft and why i being charged {$74.00} in fees when the fee should be {$37.00}, spoke with branch manger and she talked on me like i dont keep any record on my account, ask to close my account and was told i could not close my account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I took a loan against my 401 ( k ) for the purchase of my home. I made a principal reduction payment, using the bank 's specific form, having selected the " principal reduction '' box. My sizable ( to me ) check was cashed on XXXX/XXXX/16 and as of XXXX/XXXX/16 the payment still has not been credited to my loan. 
When I called to inquire, I was told that it would n't be until XX/XX/XXXX before I heard back. ( That 's a week at minimum of the money not earning interest in my own bank account and not detracting from interest on my loan. ) I was also told that there were a number of different avenues to resolution, including the possibility of having the payment applied to the principal. I then asked the phone rep to check my XXXX/XXXX/16 payment, which had not been applied to the principal, rather it was applied as " pre-payments '' ( another option on the bank 's form ). I 'd previously assumed I 'd just checked the incorrect box, but due to the mis-handling of my current payment I believe the bank mis-appropriated that check also. 
I 've had numerous issues with this servicer that date back to the " how to '' call I made before making the decision to take this loan - I was mis-informed about how to make payments, full loan terms were not disclosed and not found on servicer 's website or in the loan docs. Now I can add what equates to grand theft to the list. 
I was told that my payment was sitting on a desk with a note on it that said " unprocessed. '' No, my check was absolutely processed, money processed right out of my own interest-bearing account to my 401 ( k ) servicer 's account. They likely have cost me additional interest since my XXXX/XXXX/16 payment as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
I am summiting this complaint for the reason that Freedom Mortgage has not giving me a decision. I summited an appeal since XX/XX/2016 and I have called many times Freedom Mortgage for an update and they just keep telling me that they are waiting on a ( Tittle search ). I am afraid I wo n't be provided a government modification do to them prolonging my case. I had to challenge them with my appeal because they were not using all my income and also the expenses they had were wrong. I am in desperate need of assistance, I need to know what Freedom Mortgage intentions are, if they are really helping me so I can keep my house with an affordable mortgage payment. Due to my house is severely under water. Or if they are purposely prolonging my case because at the end of this year all government modifications will be over.

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 2015-10-07 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: WI

Complaint narrative:
I had a XXXX year contract with XXXX XXXX beginning XX/XX/XXXX. I switched carriers, I ported my numbers to XXXX in XXXX or XX/XX/XXXX. This is well outside my two year obligation. I never signed another contract or extension with XXXX XXXX. I never received any bill from XXXX XXXX after my number was ported. The first that I knew that they had charged me an early cancellation fee was when their collection agency sent me a letter and a bill. XXXX XXXX wo n't speak with me because they say its been turned over to collections. I spoke with diversified, the collection company and they just say " I owe ''. I wrote them and asked for any contract and or bills. They only provided the early termination charges/bill, they did not produce any written contract from XXXX XXXX. I know that I was out of contract and within my right to change carriers. None of the involved parties wants to work to fix the problem. Please help.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I got this Credit card while I was an employee at BMO Harris. During the time that my father passed, I missed a payment and it has been on my credit ever since. It is the only late payment that I have had since I 've had this card and it is affecting my credit score. I have been calling to find a resolution to this situation.

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 2016-11-16 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
I made a {$700.00} deposit to 5/3 Bank in XXXX NC on XX/XX/2016 at XXXX using the night deposit. When I checked my account at XXXX that evening they had not credited my deposit. Yet, they had charged me an overdraft fee at XXXX. My car payment will be drafted out tonight so it will bounce and I will be charged yet another fee. When I called customer service, the lady suggested I go to the branch. I am sorry, but I am not taking off work when they should be checking the night deposit daily. They need to refund these charges and write a bank error letter to my car payment company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
apply for XXXX loan {$90000.00} all paper submit their was and that appraisal by their peoples and it was appraise at the {$90000.00} so I through the loan was going thru but later it was denied because they did another appraisal it was a XXXX finance by XXXX the loan did not change so why another appraisal. 
file XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 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:
On XXXX the XXXX I deposited {$440.00} cash into the ATM at Fifth Third Bank located XXXX XXXX XXXX XXXX XXXX KY. The ATM failed to finish my transaction and gave me my card back however it did n't give me my money or a reciept. I immediately went into the bank and explained to the manager what happened ... she told me due to me not banking with them and having a XXXX XXXX Bank account they are unable to give me my money that I would need to file a dispute with my bank. I did file the dispute and my bank gave me a provential credit on my account to cover the {$440.00} until they recieved the money from Fifth Third ... On Monday evening XXXX/XXXX/15 I noticed my checking account was overdrawn and when I called my bank they said they had debited my account {$440.00} bc they never recieved a response from Fifth Third Bank and they told me I would have to call the owner of the ATM and try to get a refund. 
I contacted Fifth Third Bank first thing Tuesday morning and explained the situation. I was told the manager was on vacation and was given an XXXX number to call. Upon calling the XXXX number I was told they ca n't give me any info I am not their customer ... I then called the bank back and explained again I need this money I am a single mother and this is a lot of money ... I kinda felt like I was just blew off when I got the response " I will have to pull all the records for each transaction that day and it 's probably going to take at least a week for us to figure anything out and I will call you if I find something out next week. '' I have tried to call again and no one will speak with me I just get " she 's working on it and will call you back when she figures it out '' I have also called the reginal mananger and left several voice mails that have not been returned. It seems to me that ATM have camera 's and they should have a log of each day 's transactions and end of day balances. I am not understanding why it is taking them so long to look up infomation that should only take hours to find.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
XX/XX/XXXX I refinanced my mortgage with the same bank that had held my mortgage for 5 years. I have always paid on time and my property taxes and insurance were escrowed and it was my understanding that all taxes due at closing were paid. XX/XX/XXXX the county treasurer sent me a letter stating that my XX/XX/XXXX taxes had not been paid. I contacted the bank and they informed me that they paid the late penalty and took the overdue taxes out of my current escrow and that I therefore owed them that amount ( @ {$3000.00} in back taxes ) in order to balance the account out and so that they would have the money to pay my taxes XX/XX/XXXX. I have asked them what happened to my escrow that was supposed to have been paid at the closing. I have received a letter stating that I should contact the title company or settlement attorney ( all of this was handled by them ). When I have spoken to them on the phone, they become very officious and demeaning and do not seem to understand the issue which is they told me that my taxes had been paid when they had not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-24 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am upset that my mortgage company ( fifth third bank ) did not pay my property taxes from my escrow account when they came due in XXXX. Their reason was that because I refinanced my mortgage, it froze all transactions on my account. I was charged a {$130.00} late fee from the county because the payment was not received by XXXX/XXXX/2016. It should not matter that I was refinancing because they had an obligation to pay the taxes from my escrow. There was almost {$2700.00} in there and my taxes were XXXX.. We had not closed on our refi at the time the taxes were due, so if we had decided not to refi and stay with fifth third, they would have to pay them anyway. Fifth third stated that they could disperse my taxes but it would change my payoff and my new lender would have to request another payoff which would have prolonged the process. To resolve this, my new lender included the taxes in my new mortgage and dispersed them to the county when the loan funded on XXXX/XXXX/2016. The county received my tax payment today XXXX/XXXX/2016 and they are now current. Its frustrating because even though {$1300.00} is a small amount, I am now paying interest on this amount over the next 30 years because my taxes were not paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
I opened a checking account in fifth third bank with a bonus offer of XXXX dollars. I finished all requirements to get the bonus but I did n't obtain the bonus because of XXXX occurrence of overdraft of my account. However, the reason why it happened is not my fault at all. The banker failed to code me as a student in the system, as they said, so that I was charged monthly fee at that time and the negative balance shown on my account. Then they regarded me as a bad account and refused to give me the bonus. The weird thing is that, for the first month I opened my account, the monthly fee was not charged on my account because they successfully coded me as a student. When I finished everything they required to get the bonus after the first month I opened my account, I was charged that mostly fee so that I was not qualified to get the bonus. What a trick! I should get that XXXX dollars bonus. All information can be obtained from my statements. You can also find the reversed monthly fee which means they gave me monthly fee back after I asked them. What they said to me about the bonus is that even though I was qualified and this was not my fault, they could not change anything in their system regard to this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: NV

Complaint narrative:
My mortgage was recently transferred to Freedom Mortgage. Paperwork was filled out so they would automatically withdraw money from my account on the XXXX of the month. They started withdrawing the funds for over {$300.00} more than my payment and have not been crediting it to my account. I have spoken to them numerous times and asked them to cancel the auto pay. I have started making the payments by mail. After instructing them to stop the auto pay they again still billed my bank for the auto pay. They also do not know where now approx. {$4000.00} of my money is.

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 2017-03-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
I am upset because Freedom Mortgage is refusing to review my new modification packet. Freedom mortgage approve me for a trial offer back on XXXX. I did not take the trial because Freedom mortgage refused to do an appraisal of my property they use a old appraisal in order to modify my loan. Therefore I was fighting the value of my property, because is severely under water and I believe I can be provided a more affordable trial payment based on the current market value. I have paid for my own CMA however Freedom Mortgage refused to take it into consideration. My intentions are to keep my house with an affordable mortgage payment, I want for Freedom Mortgage to start a new review so I can keep my house and become current once again.

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 2017-02-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
It 's a lot of things on my credit that were paid but, still reflects negative readings which is n't allowing my credit score to elevate accurately. XXXX, XXXX and XXXX are the XXXX main negative items that weighs heavy on my credit report which is preventing me from purchasing my first home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: LA

Complaint narrative:
I submitted a claim with discover price protection and they denied my claim based off a service provider and not the actual product claim ( # XXXX ). I was told I would be able to be approved for the claim. I purchased the same exact XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
My paycheck was garnished by Wakefield and Associates, they FORGOT to quit garnishing it and are refusing to return the money in a timely manner.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CASHCALL, INC.
State: AR

Complaint narrative:
The loan was for XXXX and they took out XXXX per month for almost XXXX years and whe I called to get payoff they said I owed more than loan amount

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 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 Consultants, Inc.
State: SC

Complaint narrative:
I contacted the collection agency and advised that I do not recognize the account on my credit report and that I wanted to request verification and validation of the debt. I advised him that I was working directly with XXXX XXXX on my past due debt to receive service and the payments are being reported under XXXX XXXX. The collector then continued to offer me a settlement on this account for 70 % of the balance. They then informed me I have an account from XXXX XX/XX/2010 they can settle on as well. I told him I do n't believe them to be my accounts and requested proof of ownership. I then filed a dispute with the credit bureau 's and the collection agency replied quickly within days the debt was valid and it must remain on my credit report. It has been almost 2 weeks and I still have not received verification or validation of debt. I called the original creditor risk management department and was told that I have no other debt then the account I settled and my Current Account. The collection agency also attempted to collect on debt which was time barred past the statue of limitation without advising me that they did not have the right to sue me or force me to pay the debt if it was mine. They did not advise me that accepting settlement or making payments would have reinstated debt and caused longer reporting on my credit. My rights have been violated as well as the fdcpa and fcra. NC State Law also requires that you provide disclosure of time barred debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NJ

Complaint narrative:
I ordered service they never delivered the device so i called and canceled. They canceled it and told me is account closed. After 6 month later i see this account in collection please help me fix it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Reimer, Arnovitz, Chernek &Jeffrey Co., LPA
State: OH

Complaint narrative:
I was in the process of submitting paperwork for loan modification with XXXX Mortgage XXXX, after submitting documentation with Making Home Affordable to them with XXXX number XXXX, and received and signed by " XXXX, '' on XXXX/XXXX/16, XXXX mailed on XXXX/XXXX/16 ), when I received a foreclosure complaint from XXXX XXXX XXXX XXXX listed as plaintiff, by their attorney XXXX XXXX of Reimer Arnovitz Chernick & Jeffrey CO LPA in XXXX, XXXX, Summoned by XXXX XXXX with Case Number XXXX.

Company response to consumer: Closed with explanation