vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-19 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: FL

Complaint narrative:
Call from ( XXXX ) XXXX Diversified Adjustment seeking XXXX XXXX. Diversified purchased bad debt or bad contact information from XXXX XXXX. Call from ( XXXX ) XXXX, I explained debt is not mine. Lady got rude when I refused to answer her questions about me. Told her do not call again. Subsequently received an automated call from ( XXXX ) XXXX seeking XXXX 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 2016-09-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
We have trying to close on a VA refinance with Freedom Mortgage since XXXX, 2016 - A company agent assured us we would close in XXXX, 2016, We followed up on every & anything additionally the company requested - This company holds our mortgage now - and every month they come up with something new & often redundant to seemingly delay the process - The current adjustable rate we have is due to change XXXX XXXX - The last excuse is that a " consumer fraud alert '' came up on our application so the closing is again pending until the underwriters investigate & remove that warning. I called today & spoke with a customer service rept & left messages for XXXX XXXX who usually sends out the notices to us - that the processing is delayed because of something - that they always have prior to her sending out the notices. 
WE were also promised a interest rate of XXXX - that the company has not locked in for us to date - but verbally agreed to after we complained about the initial rate was high and the loan officer assured us we would get the best offer if the rates went down since and the rates did drop.

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 2016-07-18 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: TX

Complaint narrative:
I had a strange issue going with XXXX XXXX that created a need to change services. I was happy with XXXX, and would still be with them, but when clients were calling my phone they would get a NOT A WORKING NUMBER message. After several months of their attempt to find the problem a senior engineer acknowledged the issue but was not able to correct it. I had to file with the FCC to get released from the contract and credited for phones we had purchased as potential solutions. FCC Ticket number XXXX. We were released from the contract, paid the outstanding bills and returned the phones. 

I was denied a loan for my business because of the negative hit placed on my credit by Diversifed Adjustment XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MN XXXX. I called and attempted to get it resolved with them but the CSR claimed they intended to collect to remove it from my credit report. 

I would like to hold them responsible for the damage done and the lost revenue to my company due to this false claim. 

XXXX is a great company with some issues that they could not repair. They also have a bad return acceptance department as this is the second time they claim not received phones when they have been returned. 

As a note we purchased XXXX or XXXX phones within months in an attempt to correct the false call message to no avail We were left with no alternative but to switch services. 

Diversified is a collection company that is not willing to listen and the rep became stubborn and insistent that the bill was owed and nothing said or presented was going to change that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was a customer of Fifth Third Bank Credit Card customer when I was offered Debt Protection in XX/XX/XXXX/XX/XX/XXXX when I was called by a Telemarketer to purchase their Debt Protection Program. 
Fifth Third Bank and It 's Successors and Assigns have violated Consent Order of the United States Consumer Financial Protection Bureau Consent Order-File XXXX. 
Fifth Third Bank and Assignees, XXXX , XXXX and XXXX XXXX XXXX, XXXX, have violated the CFPA Consent Order by not providing Redress for providing Debt Protection Product that I have purchase after the trial period by telemarketing that I have signed up for while my account was open with Fifth Third Bank. 
Fifth Third Bank did in fact represent misrepresent the cost of Debt Protection to me as described in CFPB Consent Order in File No. XXXX Points # XXXX, XXXX, XXXX, XXXX, XXXX & XXXX. 
Fifth Third Bank and Assignees, XXXX , XXXX and XXXX XXXX XXXX, XXXX, have not provided Redress to me that the CFPB Consent Order requires because my Credit Card was Charged off and sold to Assigns or Third Party that is XXXX , XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
I had my home appraised from a XXXX management company and the appraiser was XXXX XXXX. 
My home appraised for {$530000.00}. 
I have tried to no avail to make Freedom Mortgage remove the PMI insurance on my home. 
I now have 79 %. LTV so I should not have PMI insurance. 
Please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Hello, My lender ( Freedom Mortgage ) has raised my monthly payment amount {$450.00} due to they are stating my yearly property taxes are {$9300.00} and my yearly property taxes are only {$4600.00} ( my property taxes are impounded ). I want them to adjust my yearly property taxes and adjust my mortgage payment. I have submitted my tax statements and an online print out from the Tax Collector to my Lender several times and they are refusing to make correction.

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 2016-12-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I had a difficult time paying online. The people at this company acted so unprofessional and unhelpful. I spent hours talking with different people and no one could even verify that I had previously called. My payment ended up being late and extra charges were uncured. They hung up on me. They promised to call me back and never did.

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 2016-11-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CT

Complaint narrative:
XX/XX/2016, my mortgage was transfered from XXXX to Nationstar. XX/XX/2016, less than 30 days of taking ownership, Nationstar sent a notice of loan default. The XX/XX/XXXX payment was made to XXXX prior to receiving an account number from Nationstar. I have been receiving debt collection calls from Nationstar demanding a late fee as well as a payment that was made on time to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: STONEGATE MORTGAGE CORPORATION
State: IN

Complaint narrative:
I have requested my mortgage company, Stonegate Mortgage, terminate my PMI multiple times as we are below the 78 % LTV that is required. 
Everytime I call, they tell me they will the next month and it does n't happen. 
We hit 78 % LTV in XXXX 2017.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-07 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
Today XXXX XXXX was attempting to make my monthly payment to my HSBC Platinum Credit Card. Then I get this ridiculous error message : " *You may submit a payment for Today until XXXX MST. '' At the time of my payment it was XXXX EST which would make it XXXX MST plenty of time you 'd think for me to submit payment, right?????? BUT NOOOOOOOOOOO!!!!!!!!!!!! Even though minimum was not due today I make the effort to call HSBC to settle the score. What followed for me was a nightmarish series of questions when even though I had established my ID the indignant HSBC rep proceeded to ask me if I have any other bank accounts ; if I have direct deposit and if so whom it 's from and for how much. ALL THIS BECAUSE THEIR BACKWARDS SYSTEM WOULD NOT ALLOW ME TO MAKE A PAYMENT!!! 

This is a tale of horror from an indignant banking institution that needs to understand what good customer service means and not proceed to torture a paying CUSTOMER WHO WANTS TO SETTLE HIS BILLS!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is reporting inaccurate information on my credit file. I have disputed this several times with them over the last 2 years, however they are still reporting incorrect information. They are reporting the incorrect date on my credit file. The below account went delinquent on XXXX XXXX, XXXX and they are reporting the date of XXXX/XXXX/XXXX which is illegal. This account should have been deleted from my credit file. I have attached supporting documents that this account is incorrect and needs to be deleted from my file. 
XXXX XXXX Balance {$1200.00} Date Opened 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
Consumer complaint received 2016-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: NY

Complaint narrative:
Collection agency inquires on my credit report without permissible purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Law Offices of Robert J. Colclough, III
State: CA

Complaint narrative:
In the XX/XX/XXXX I found out about identity theft on my credit report while going through a car loan process with my bank. I have been working closely with Experian and have filed a report with the FTC, the Police Department, as well as with every incorrect collector on my credit report. The person who stole my identity had access to my information including drivers license, signature, addresses, and social security number. It has been documented all all reports that they had used both my name as well as a " AKA '' which has since XX/XX/XXXX. Some names and accounts been removed from my report since starting to fight this almost a month ago. 

While a few creditors have already given me notice that they 've removed their information from my reports XXXX companies have proven to be rather difficult. I will write a separate complaint for the other. The XXXX one called Allied Services has missed their 30-day window of validating the debit on my account. I sent them a certified signature and required letter, which I received confirmation that it was received XX/XX/XXXX. 

On XX/XX/XXXX I sent them a follow up certified and signature required letter informing them that they failed to validate the debit within the 30 days. I also informed them the account needed to be removed from my credit report in a reasonable time frame. 

Today, XX/XX/XXXX I received a phone call from Allied Services XXXX insisting that I contact them. This has prompted me to file my complaint. I specifically requested in my XXXX letter that all correspondence must be done in writing and that there I requested that no calls be made to my work or residence.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I had defaulted on my federal student loans services by XXXX XXXX due to the large monthly payment. My Loan went to a collection agency who I worked with to rehabilitate a loan. During the rehabilitation I attempted to negotiate a lower full payoff of my loan which XXXX XXXX countered twice. During the third round of negotiations my loan was fully rehabilitated and sold to Navient ( Still XXXX XXXX ). The monthly payment jumped up over a XXXX per month which wa was the reason I defaulted in the first place. I attempted to continue discussions with them concerning a full pay off and they have now stated that since my loan has been rehabilitated they are no longer willing to negotiate with me as I am now obligated for the full amount after the rehabilitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 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: First National Collection Bureau, Inc.
State: FL

Complaint narrative:
I am a victim of identity fraud since 2011. 
First National Collections Bureau Inc. is representing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who claims I owe them for purchases made in the amount of {$660.00}. I have already sent them a letter in writing with police report & other documents as proof that I had my identity stolen and that someone duplicated my social to file taxes in this same year. Since then yearly I get my credit report and the government sends me special instructions in order to verify myself when filing taxes. I have never ordered any items nor have I received merchandise at my permanent address ( 10 years ) XXXX XXXX XXXX XXXX XXXX Fl XXXX. I checked the only personal bank I use to confirm that I have not been charged nor was my account used to make purchases to XXXX 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 2016-03-18 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
I received a credit card offer in the mail and I went online to apply. The application also had a space to enter balance transfers. I put in XXXX cards info. After completing all I got was I will be a response in the mail. When I received my card there was NOTHING saying anything about the transfers I entered.Searching the letter with my credit card attached, I ca n't find what credit limit they gave me. When I see that it 's XXXX which would not cover both transfers after realizing the transfer fees would put me over my limit. They had enough information to know what limit I needed. I had no clue that the info on my card was being processed as I thought it was part of the application to determine eligibility and limit. I called after receiving the card and asked that only XXXX of the cards be transferred. I gave all the info to process my highest interest card.A couple of days later I emailed asking why the transfer was not showing up. It took 3 days to finally get a human on the phone. I was asking about the transfer I called in. I was told it was request the transfer was being sent to my house.?? I asked her what a balance transfer was and she told me then I asked then why and what part of the transfer was being sent to my home. She was not making any sense. After that I talked with a VERY rude guy named XXXX. He said the transfer I called in was no good and would not be processed. He kept going through their legal jumble about it takes 2-4 weeks to process.I have done transfers before and they only take a1-2 days.I gave him the info and sure enough it was done in less that 48 hours my cc was paid. BUT XXXX giving me wrong info told me to keep making payments, so I made the payment the same daY to make sure it was paid. This caused 2 payments to go thru and I now overpaid the bank. In the mean time the 2nd transfer I put on the app gets processed with out my knowledge and forces me to be over my credit limit. 
They intentionally give false and misleading info and failed to give me enough credit to cover the transfers I put on the app. I do not find this out untill after it 's done and too late.I tried to get them to cancel the 2nd transfer but they refused. In my opinion they have committed fraud. The charges have put me over my credit limit and subject to penalties which include loosing the zero % offer that I signed up for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-18 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IN

Complaint narrative:
my home equity loan with m & i bank in XXXX wi. was bought by bmo bank after about 5 years, after paying on it another 5 years never missing a payment and always on time. they told me it had come due and they would not renew it. there was no due date on my contract with m & i. i have a XXXX credit score. and have never been late on payments or filed bankruptcy. bmo advertises, were here to help. not in my case.they want to go in default with it. i dont know what i can do. please help

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 2016-04-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I was contacted by phone by my current Mortgage Lender indicating that they wanted to offer me a lower interest rate, which they said would reduce my current payment with no out of pocket additional cost to me. I was making my mortgage payment and paying an additional ( approx ) escrow payment of {$410.00} on a monthly basis. This additional payment led to about approx {$4500.00} being in the escrow account at the time that the Mortgage Lender called me. My home is a new construction, and XXXX will be the first year that the land and home have been appraised. At my original closing XXXX XXXX XXXX XXXX, it was suggested that I put in extra money in my escrow account to make up for the short-fall that would occur when my XXXX taxes would be due. During our conversations ( which are all recorded by the mortgage lender ) we discussed what would happen to the accumulated escrowed additional monies that we had XXXX the {$4500.00} XXXX - and we were told that we would either receive a check for those funds, or that the escrow would be rolled over to the new escrow account. At NO TIME EVER was any mention made that the escrow funds would be used to pay down the current mortgage principal ( thereby making the principal lower so that they could fraudulently tell us that they could " lower '' our payments ). After closing on the new loan, and us calling them ( prior to the three days " cooling off '' period ) - we inquired about what happened to our {$4500.00} escrowed monies, we were told that we had to call back to discuss this AFTER the new loan was processed and the cooling off period was expired. Once we were able to talk to an agent, XXXX XXXX XXXX XXXX, we were told that our escrowed funds of {$4500.00} was used to pay the closing costs on the loan and the remainder applied to the principal reduction, and we would receive a check for {$44.00}. We have made numerous attempts to contact the company to resolve this to no avail and they have not returned our calls. Had we been informed that our escrowed money ( that was earmarked for the XXXX property taxes ) would actually be used for closing costs and principal reduction - we would NEVER have agreed to refinance our mortgage loan. Our monthly payments ( to make up for this now shortfall of funds for our taxes ) will now increase our monthly payments by about {$600.00} a month. We were deceived by their dishonest practices.

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 2016-07-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
After closing my mortgage loan on XXXX XXXX, 2016, I found a payment of {$1800.00} was charge by XXXX XXXX XXXX XXXX 's XXXX Card account on XX/XX/XXXX. In reviewing the closing cost details I assume that a payment was going to be sent XXXX XXXX XXXX in the amount of {$1700.00} ( Other Cost, XXXX ) for termite repair. I called XXXX XXXX XXXX three times and they stated that they has not received payment from the title company. 
On XXXX XXXX, 2016 I emailed XXXX XXXX XXXX, Assistant Vice President of Sales, Freedom Mortgage Corporation XXXX ID : XXXX and XXXX XXXX XXXX, Senior Loan Processor the following : " In reviewing the closing cost details I assume that a payment was going to be sent XXXX XXXX XXXX in the amount of {$1700.00} ( Other Cost, XXXX ) for termite repair, however in checking XXXX XXXX Card account on XX/XX/XXXX a payment of {$1800.00} was charge by XXXX XXXX XXXX. Am I correct in my assumption of a double payment for termite repair and we are due refund, if not possible please clarify. '' XXXX XXXX and XXXX XXXX assured me that they would research matter. After many follow-up emails and phone calls over the past 4 and a half months, I have n't received any resolution.

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