vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
XX/XX/XXXX, I refinanced my mortgage. Because of the way the dates fell, after payoff I was due back approximately {$1800.00} from my old lender ( Freedom Mortgage serviced by LoanCare ). One month after payoff, I called to inquire about my refund check. The XXXX rep said I had to wait 3 months before they would look into it further or reissue the check. I called back on XX/XX/XXXX. The XXXX rep had trouble finding my information because she said the loan was " closed '' and " archived '' so she had no record of it in her system. She said she 'd put in a request to have it reissued and I asked her to verify my address and she said it was correct. Weeks later ... still no check. 
I called back XX/XX/XXXX and was told the earlier Rep had " messed up '' and did n't file the proper reissue request. Then I was told my address on file was also wrong ( they had # XXXX instead of XXXX ). This Rep promised to put a rush on my reissue request. I called back last week because I still had n't received the check. This time I asked to speak to a Supervisor who claimed his name was XXXX XXXX and ID # was XXXX ( but he sounded as if he was lying ). He said my loan was closed and they did n't have access to my information. He could n't confirm the status of my refund check nor whether my address was correct. When I pleaded for help as I needed that money and asked him, would n't he follow up on nearly {$2000.00} if he was in my shoes, he said " No M'am ''. He pretended to take my email address and phone number and promised to follow up. Now nearly 7 days later and he has not followed up nor have I received my refund check. This is illegal for this company to hold my money in this way and claim to have no record of it. I can not believe this servicer is allowed to exist. They are corrupt and a total mess. I just want my money back that is rightfully mine, and I want the CFPB to investigate this company. Just look at their XXXX reviews to see how horrendous they are : XXXX They are stealing from US citizens . Now it is getting close to tax time and I was counting on these funds to pay my property taxes. What am I supposed to do?

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 2016-08-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MO

Complaint narrative:
I have been working through the red tape presented by Fifth Third Bank as the Mortgage Company, insurance checks were issued to Fifth Third Bank and us as the homeowners. Upon receiving the insurance checks, I notified Fifth Third Bank and asked for guidance on the necessary steps required to assure a smooth transition of endorsing the checks and making payment to the contractor. 
Upon receipt of the final settlement checks, I received notification from Fifth Third Bank of additional documentation required. All requirements should have been disclosed by Fifth Third Bank during my initial inquiry. Much of this documentation could have been provided months ago to assure no delays in making final payment to the contractor. Two months after the job was completed to the satisfaction of XXXX XXXX and myself, I have been presented with additional requirements which are causing further delay of final payment to the contractor. 
It is understood your need for the insurance estimate details and the Contractor 's work order which outlines the work to be performed and materials necessary to complete the job. However, it is unacceptable to require an inspection of this job be completed by an inspection company of Fifth Third Bank 's choice, at my expense. XXXX XXXX has verified completion of the work performed, to their satisfaction, with a final inspection at no cost to us the homeowners, for which they have made payment. 
Fifth Third Bank is now interested in working with me " to ensure that my home is restored to a condition that is equal to or greater than that which existed prior to the loss ''. Neither Fifth Third Bank nor its chosen inspection company will be able to demonstrate that the work performed on my home restored it " to a condition that is equal to or greater than that which existed prior to the loss ''. Neither Fifth Third Bank nor its chosen inspection company assessed the damages to my home prior to the contractor beginning the job. The only thing that Fifth Third Bank is able to assure is payment to their chosen inspection company, at my expense. This is absolutely unacceptable. 
I 've requesting that Fifth Third Bank waive the need for an inspection, at my expense. There will be no basis for which this inspection could possibly demonstrate the before and after state of my home. To ensure that the work being performed on my home was of quality craftsmanship and done to the specifications of the estimate, I monitored this job by being on site and visible. This required me to take time off from work, at my expense. With that said, Fifth Third Bank is welcome to send an inspector of its choice, at its expense. 
By pursuing an inspection at my expense, a formal complaint with the Consumer Financial Protection Bureau will be filed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Consumer Financial Protection Agency Dear Sirs, Madam Re : Freedom Mortgage XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Ever since I received a copy of my mortgage statement in XXXX I noticed that they had paid for XXXX house insurance policies for 2015. I had changed my insurance company from XXXX XXXX to XXXX before the XXXX policy expired in the month of XXXX. I had told XXXX to cancel at that time. The policy amount paid by the mortgage company, XXXX Mortgage, was over {$4800.00} where the policies with XXXX and XXXX were about {$2300.00} and {$2600.00}, respectively. I called the mortgage company and they had no answer for the double payment. The only information I got from them was that the XXXX payment was returned to them in XXXX 2015. To this day I have had no communication returned to me at all except for XXXX XXXX XXXX with Freedom, telling me she does not handle these complaints. Please help me with this problem as I do n't know how to make them listen to me. 
Thank you very much, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXXXXXXXXXX Account Number 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 2017-02-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I currently have Navient as my student loan servicer. I have received numerous harassing phone calls from them stating that I was either late on my payments or the payment amounts were incorrect. Almost every month after I had made my payments early, they would call and say that I was late or I did not pay enough. So after I was manipulated into believing that I had paid the wrong amount, I sent more money and then increase the amount the next month. I was convinced by Navient that the phone calls would stop if I paid, but they did not. They kept calling me each month with the same story. I sent this email to their " Consumer Service '' email address : To XXXXXXXXXXXX XX/XX/2016 at XXXX Dear Navient, The information you have about my account is incorrect. I was told that the amount I 'm supposed to pay is {$110.00}. In the month of XXXX, I made two payments ; one for {$100.00} and one for {$110.00}. These payments were made before my due date ; at least a week or more. 

The emails you send are so conflicting and misleading. They do not contain adequate information such as loan/account numbers, monthly totals, etc. They are very vague and seem to be intentionally misleading. When receiving these emails and collect calls, I become XXXX. I ask myself why is Navient continuing to contact me for payment and I am making payments. Once again when my loan was with XXXX, I had no issues. I was n't harassed for payments because, like I 'm doing now, my payments were always made on time and for the correct amount. 

Just a quick note, all the emails you have sent are being kept. I am printing them out an comparing them to my payment dates from my online banking account. Thank God I make my payments through my bank. Also, I will be notifying them about you all. This is just a precautionary measure in case you guys try to send a payment back or say you did n't receive it. I just want to make sure they are on the look out for any fraudulent practices. I 'm not making accusation about the fraudulent practices ... .it 's all over the Internet and in the news. 

In the meantime, can you please update my account so I will not continue to receive these harassing collect calls for no reason? 

Thanks in advance. 
-- -- -- - Even with this email the phone calls still kept coming. Here is another kicker ; when I was receiving these phone calls, I was in school and Navient knew it. 
They can not continue to get away with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
A collection agency XXXX XXXX XXXX XXXX in XXXX, Colorado XXXX is incorrectly reporting to credit agencies that an item is in collection. That item was incorrectly reported and they said they were going to delete that information from my credit report. I have a letter dated XXXX XXXX from the collection agency indicating they were going to do so, but as of XXXX XXXX, XXXX, despite my repeated phone calls with them they still have not deleted the item so it is showing up as negative. They were also never able to provide me with a copy of any outstanding invoices to substantiate their claim, which was false anyway. There were rude and not cooperative.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I closed my Wells Fargo bank after leaving Wells Fargo XX/XX/XXXX. I received at Collection notice XX/XX/XXXX for an account I went in the bank to close. I closed this account due to XXXX XXXX Missouri only having one Wells Fargo Branch Available. The only branch I would no longer have access to since it is located in the Wells Fargo Campus Building. I do not understand these charges and have since reached out to them with no help or answer insight. I find it troubling that this account was still open but no statement were sent to me. But the collection company has my address correct being Wells Fargo gave it to them.

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 2015-10-22 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I had an LLC Capital One credit card ( I was the primary signor ) that was improperly used by my partners wife to pay a her personal insurance policy premium. On numerous occasions, I explained this to Capital One, and they finally placed ALL correspondence to XXXX XXXX ( my LLC partner ), making him the responsible party for collection. 

My credit report continues to show this debt, therefore destroying my credit. Every time my credit report is reviewed, I have to go through the long process of explanation. I just need this removed. Please

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-23 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I tried to get my credit report by email with no success. Tried by calling in telephone, same, no luck it kept dropping me. Tried by mail I could not download the form. 

My whole morning is ruiened

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
So XXXX XXXX XXXX XXXX is reporting negatively on my credit report. Got in contact with Equifax and told them that this company is n't to be trusted due to the inconsistency with this account. I filed a complaint with CFPB case number # XXXX against XXXX XXXX XXXX XXXX on XXXX/XXXX/2016 they finally responded on XXXX/XXXX/16 stating that they need a few more days. Today XXXX/XXXX/16 is the 61 day and they have yet to respond. I want this account removed from my credit profile immediately. I do n't have another 60 days for the credit bureau to reinvestigate. Everything that they need will be uploaded with this complaint. If the credit bureau ca n't get this item removed within 15 days of receipt of this complaint I have no other choice but to file litigation against them. 
Per XXXX. Procedure in Case of Disputed Accuracy Reinvestigations of Disputed Information 1. Reinvestigation Required - If the completeness or accuracy of any item of information contained in a consumer 's ( applicant 's ) file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such a dispute, the agency must, free of charge conduct a reasonable reinvestigation. This reinvestigation will determine whether the disputed information is inaccurate and record the status of the disputed information, or delete the item from the file. This must be done before the end of a 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-26 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
I tried to apply for a Secured Credit Card with Discover. I decided to apply online and everything was fine until I got into the SSN ... I do not have a SSN from the SS administration but, I do have credit. Many of the credit bureaus have requested from me a letter from the SSN that I dont have an active SSN, ( I have this letter also ) so they are using my ITIN # and my Passport Number to verify my identity. This is not the first CC I have, I have XXXX with XXXX XXXX XXXX and XXXX with XXXX Bank. The reason for me to apply here is because I would like to diversify my credit by asking credit to other institutions. When their webpage forced me to enter a SSN I decided to open a chat ( which I can send you back as a transcript ) and talk to them on having an alternate method to verify my identity. I think I was discriminated as they denied to accept other document to verify my identity ( my passport for example ) even if I can prove from the SS Administration that I do n't have XXXX, basically they told me : if you do n't have a SSN you can not have credit. They told me this was just to verify my identity but, I think they would be able to do that by other ways, they just do n't want to. Please HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Business and Consumer Solutions.
State: MI

Complaint narrative:
XXXX is once again attempting to collect on the bogus final payment of {$160.00}. XXXX contacted XXXX XXXX XXXX., XX/XX/2016. The case no. was XXXX and case No., XXXX. 

After corresponding with both the cfpb and XXXX, I received notification from XXXX that " We ( XXXX ) consider this matter closed as of XXXX/XXXX/2016. '' Now this same bill for {$160.00} has been assigned to another debt collector FBCS at XXXX XXXX XXXX XXXX., XXXX XXXX, XXXX, PA XXXX. The FBCS Case No. is XXXX. 

XXXX failed in their notices to me and to XXXX to identify the billing period associated with this expense. The equipment was returned prior to the next billing cycle, and my XXXX connection was disconnected prior to the start of my next billing cycle. My final XXXX bill of {$11.00} was paid and check # XXXX because that is what I owed XXXX. This check was cashed as well. No explanation was given for the next charge of {$160.00}. 

How do I stop XXXX from the continued harassment and bogus debts they insist I owe? Please help me and stop XXXX from this type of attack on my credit. 

I now have to notify the FBCS within 30 days and explain again that this is a bogus billing for which XXXX has no valid explanation. Otherwise FBCS will deem " this debt to be valid. '' I do n't want to be dealing with this problem for the rest of my life and I will not be pressured and coerced into paying a bill I do not owe. 

Thank you for your help, XXXX XXXX XXXXXXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
WENT TO GET A NEW CAR AND XXXX SENT MY SSN NUMBER TO SERVAL BANKS WITHOUT MY CONSENT AND THEY MADE HARD INQUIRES ON Y CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BMO BANK NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I opened a checking account with BMO Harris bank on XX/XX/XXXX. I opened this account in the XXXX XXXX, MN branch location. I brought with me a coupon for a promotion to open the account. The coupon and the bonus terms and conditions are attached to this file. The terms are that I will receive a {$200.00} bonus for opening a new account and setting up a recurring direct deposit of {$300.00} or more. The terms say that the bonus will be credited within 120 days. I contacted BMO Harris Bank and asked why my bonus was not credited. Initially, I was told it would be credited to my account within 10 business days. Later I was told that I did not meet the terms of the contract. I was told that I had an account open within the past year. This is not true. The most recent time I held an account, in any form, with BMO Harris, was XX/XX/XXXX. According to a BMO customer service representative, I closed that account on XX/XX/XXXX. The terms of the offer say : " Offer not available to existing BMO Harris personal checking account customers or those who have closed a BMO Harris personal checking account within the past 12 months of opening a new account as part of this promotion. '' Since I opened my new account on XXXX/XXXX/XXXX and closed my most recent previous account on XXXX/XXXX/XXXX, I did not have an account with BMO Harris for over a year, and during no part of 12 consecutive months. I have otherwise met the terms and conditions of this offer and as such, BMO Harris is in breach of contract. They have refused to credit the {$200.00} bonus to my new checking account after 120 days. I also feel that this is false advertising on the part of the bank, and has wasted some of my time and likely the time of its employees in researching this matter. I acted in good faith, met the terms of the offer, and expect the bank to hold up its end of the deal.

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 2015-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Diversified Adjustment Service, Inc.
State: ID

Complaint narrative:
Called cell phone XXXX. When asked who they were or who they were with would not respond only asking who i was. Called from number with unknown name. After hanging up called my work they were asked again who they were and would not respond. Asked not to call back. They called back asking to speak with owner of the company. Again they were notified that they were herassing and to not call back. They called again from different number on cell phone again not specifing who the were. Upon returning the numbers on the caller identification, both numbers came from Diversified Adjustment Services. Women calling was very pushy and not understanding that she was calling a place of business and if she did understand did not care. The phone numbers that had came through at the time were XXXX and XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-12-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Fifth third bank reported the wrong amount owed on my mortgage, of {$260000.00} approx. then a few months later the reported the correct amount of XXXX approx. which dropped my scores by XXXXpoints. They did a modification on my mortgage and I am only paying interest on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
To who may concern, This update is continuing for previous complain and recent BMO Harris bank action of my home equity line of credit. I started my proces two and half months before my maturity date XX/XX/2016.All documents required by the bank has been promptly delivered on day one and no additional paperwork after that. Through that time I received offer that Harris bank declined itself by saying they overlooked some details. 
Then all two months no communication about specific product of modification, new home equity line of credit until 3 business days before my maturity date I received some documents ( see attached files ). First two months old decline offer, second bill for {$150.00} and third info about hardship and foreclosure. This only proves that the BMO Harris bank has no interest to protect that time bank 's money of {$150.00} while bank estimated my home value for {$120.00} ( well underpriced and initial complain describe that I offered {$50.00} down to keep going with helc ). 
Set it all together it shows fot the BMO Harris bank 's dirty practices and I believe that cases like this one would halp the state and federal law enforcement agencies to protect other customers against this bank. 
Sincerely 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