vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: AL

Complaint narrative:
I have been charged late fees and have received late notices as a result incorrect information. This is in regards to my account. I am certain this is a result of my escrow account ( homeowners insurance ), where they say I have insufficient funds to pay my homeowners insurance. The insufficient amount is approximately around {$1.00} XXXX - {$2500.00}. I can not understand this negative balance. I do suspect the amount is not correct just by virtue of having made all of my scheduled payments without any being past due. They sent me a notice in XXXX 2016 stating my monthly payment would rise from {$370.00} to {$540.00}. In order to start to pay down the insufficient escrow balance and it would be current in one year. I disputed over the phone w/ a Freedom Mortgage Representative. They said their records indicated I had a negative escrow balance. At which time I accepted their analysis and stated, I could not afford to pay {$540.00}. And I requested a smaller payment amount where it would take a year longer to reach a positive escrow balance. A representative was able to make the necessary arrangements where my new payment would be {$450.00} for 2 years. 
I started making that payment amount in XXXX 2016, XXXX 2016 and XXXX 2016. Each month was paid on time and before the late date. I have the cleared checks from my financial institution to verify all payments.

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 2016-08-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: SD

Complaint narrative:
I am selling my home Fifth Third bank had been contacted to verify the payoff balance and to verify the account. A flag was set internally with them. I have been paying my mortgage by auto transfer thru XXXX XXXX XXXX for years on the XXXX of every month. When they found out the account will be closed, they attempted to get one months extra interest by claiming the auto payment made on the XXXX for XXXX was not received. Their collections dept called saying I was delinquent claiming the payment was not received and took my bank accounts routing number and account number for a payment over the phone. I verified with XXXX XXXX XXXX that it was after that call was completed. I call back Fifth Third bank asking to refund the 2nd payment and explained that they 'd posted the 1st payment from my account and that they were wrong about the delinquent account. They refused and said they would just credit the 2nd payment toward the XXXX payment. The account will be closed before XXXX. XXXX XXXX XXXX said they ca n't do anything because the transaction had already been processed. You can see on the attached bank statement the withdrawal for {$900.00} on the XXXX and the XXXX for {$920.00} on the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Freedom mortgage took over my loan with XXXX mortgage in XXXX 2015. Ever since this happened I have been short in escrow they failed to take out enough to cover the costs for my property tax. In XXXX 2015 I noticed they did n't pay the first installment for {$620.00} so I went to pay it at the county clerks office in XXXX california. Since then I have been waiting for a refund they promised to return. There customer service is terrible I tried speaking to a manager was on the line for over 40 minutes then call got disconnected. I have receipts and certified copys I sent out still have n't received nothing.

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 2016-06-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I used my fifth third MasterCard for a deposit with a merchant, the merchant has not provided the service promised. I tried to resolve with the merchant and they were not willing too. I then disputed the charge with fifth third MasterCard because the service was not provided the merchant withdrew from fulfilling our contract. I also made fifth third MasterCard disputes department aware that the merchant has no return or refund policy posted on their webpage where I paid my deposit. To my understanding this is a requirement from XXXX and XXXX. When I spoke with fifth thirds dispute department they confirmed this and assured me they were disputing this charge with the merchant

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
Freedom Mortgage, the company that currently holds the note on my primary residence, sent me a letter in XXXX 2016 indicating that I could refinance my primary residence for free. I took them up on the offer, and began the process. Now, more than 3 months later, they have still not finished the refinance, they continue to ask for meaningless information, and have increased the amount owed at closing to over {$2000.00}. Freedom has not done their due diligence to complete my refinance on time. In addition, they have displayed a gross lack of integrity by getting me to begin the process by offering a " free '' refinance, and then increasing the amount of cash required at closing to over two-thousand dollars. That is called a bait-and-switch scheme. They have also not adjusted the term of the new loan over these past three months, even though I have been paying my mortgage. That means they are illegally increasing the term of the loan. Their complete lack of integrity, fiscal responsibility, customer service, and due diligence thus far has been more than disappointing ; it is criminal.

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 2015-11-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation
State: CT

Complaint narrative:
I applied for and was approved for a loan with Avant Credit, issued by XXXX on or around XX/XX/XXXX. At time of application/loan approval, terms were not disclosed such as interest rate, which is a high 35.9 %. This was found out about after it appeared on Avant website, it did not previously show before. Ive been making payments on the loan and they do not begin to cover the principal due to high interest rate. My credit score was in the mid to high XXXX range at time of opening and my rate should be based on that score and not 35.9 %. A XXXX complaint ( XXXX ) complaint was filed, however, not resolved. Avant rep ( s ) claim terms were disclosed to me and were not. I just received the full terms via email after asking a rep for them, these were not sent to me before. I did speak with a XXXX XXXX and unfortunately, was unable to resolve the matter. My XXXX claims he has screen shots showing terms, rate, etc.. However, it is highly unlikely he knows what appeared on my end, on my computer, at time of application. Had I known about this high interest rate I would not have applied as I will be paying back more than double the loan amount after the term ends. Please note, do not mark this as duplicate as there is additional information enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
I opened a line of credit with US Bank in XXXX XXXX. During the 7 years, I had the line open, I had exceptional payment history. In XXXX XXXX, I paid off entire balance from with final installment of {$520.00} ( per my monthly statement ). At that point, there should have been zero balance and no further activity on the account. I did not receive any further statements from the bank post my last payment of XXXX XXXX. It was not until XXXX XXXX, it was brought to my attention that there was an XXXX balance on my account that resulted a derogatory 30day late in XXXX and a 60day late in XXXX. I immediately paid the XXXX and a yearly fee on XXXX XXXX, XXXX and closed the account. In my view, reporting XXXX past due to the credit reporting agencies as 60 days past due, while US bank failed to send me statements during the months it was past due is a violation fair credit reporting act and FDCPA.

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 monetary relief
Consumer complaint received 2015-11-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A.
State: RI

Complaint narrative:
My servicer left a blank envelope at my door with only the words confidential and an XXXX number to call. I called the XXXX # the same day I received this ambiguous notice. The rep advised me I was due for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on my mortgage. I offered to make one full payment now for the following business day, with the entire balance of the arrears to be paid at the end of XX/XX/XXXX. The representative, and the supervisor that followed my conversation, both refused to take the payment because a demand letter had expired the day before. Instead, they are requiring the full arrears be paid now by secured funds ( XXXX XXXX or equivalent ). I specifically asked that if I had received the number and called yesterday would my payment have been accepted and I was told yes by both the agent and the supervisor. 
I advised the Supervisor that I was out of state tending to a family matter and the default notice they claim was sent was not received. Further, I called them immediately upon receipt of the door notice. Despite this, the supervisor and agent refused to take my payment and arrangement ( which I was willing to confirm both as payments by phone to secure the arrangement ). 
I am additionally concerned that my previous CFPB complaint regarding their practice of charging fees for payments and suppressing internet payment functionality may have adversely impacted their decision making process in this case.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
My husband and I own a condominium, which is a rental ( it is currently rented ). The XXXX mortgage is owned by Ditech. 

A little history : When I purchased the condo in 2002 ( before husband and I were married ), I financed it through Ditech, before they were taken over by Greentree. They were incredibly efficient, and I never had an issue with them. Fast forward a few years, they were taken over by Greentree, and THEN the problems started. I have paid our mortgages ( for our rental, and our own house ) every two weeks, on the days we get paid, for years. I send a 1/2 payment, which helps our finances run smoothly, AND I send a little extra, so the full payment is always a little extra. Well, when Greentree took over the old Ditech, I started receiving these snarky notices in the mail stating my account was past due, and my statements reflected I was over 30 days behind. I thought, good grief! Has my trusted credit union wronged me? I double checked my payment history on my credit union 's website ( I pay everything online ). All payments were sent, exactly when I scheduled them, AND the money was deducted from my account. 

I contacted Ditech and asked what the heck was going on with my account. They explained, that since I paid my bill in partial payments, the incomplete payments were placed in an " unapplied funds '' purgatory. What they failed to do, was post these unapplied funds to my account in a timely fashion, so I wound up in the hell- fire land of late fees and phone calls demanding payment. 

I thought this situation was pure comedy. Was this happening??? Here we were, being super responsible, paying bills on the dot every two weeks, PAYING EXTRA, but they STILL put my account in the bad place. They claimed there computer system " could not process partial payments ... '' They literally said this. I freaked out. I did battle on the phone about once per month, to get them to APPLY my payments to my account. 

Fast forward again, Greentree was taken over by the second iteration of Ditech, and now this happening all over again. My mortgage is XXXX per month. I send {$400.00}, religiously, every other Friday. I checked their website, which clearly shows my excellent payment history, but when I clicked on the " details '' button for each payment, several of the payments showed in " Unapplied Funds '' meaning, they have literally NOT applied SEVERAL payments to my mortgage account, going back to XX/XX/XXXX!!! What?!?!?! And I am receiving these snarky notices again, that my account is past due. 


This whole thing is soooooo beyond frustrating. I hope you can help. 

The property address this complaint is related to is : XXXX XXXX XXXX # XXXX XXXX, CA XXXX Thank you! 
XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: VT

Complaint narrative:
Lender failed to discharge the mortgage after it was paid off more than a year ago.

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 2015-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Real Time Group, Inc.
State: UT

Complaint narrative:
Someone obtained a loan using my SS #

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
to Whom It May Concern : Again Chase had performed a property valuation without our knowledge and consent. Chase employees had apologize for the mistake. By taking pictures of my property and performed an unnecessary appraisal Chase had invaded our privacy. This is one of the many mistakes that Chase had done and I 'm trying to solve this issue. 
At this point we are frustrated with Chase and its mortgage services. Paying our property taxes without consent and knowledge, putting in us under mortgage assistance program when we had never missed a payment and invading our privacy by taking pictures of our property are unacceptable behavior. We are demanding that Chase cancel and void the mortgage loan in benefit of us the borrowers. All the actions that Chase had taken only guide to a fraud and fraudulent case. In exchange of any lawsuit we want Chase to remove the lien against our property and provide a free and clear title of our property. We had exhausted our energy and patience against Chase and we can not permit that a financial institution abuse us the borrowers. The loan will need to be cancelled or legal actions against Chase will be proceed.

Company response to consumer: Closed
Consumer complaint received 2015-10-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Helm Associates
State: PA

Complaint narrative:
TO WHOM MAY CONCERN MY NAME IS XXXX XXXX, IM WRITING THIS DISPUTE WITH HELM ASSOCIATES # XXXX 'M REQUESTING TO HAVE THIS ACCOUNT REMOVE FROM ALL TREE CREDIT REPORTING AGENCY.I NO LONGER HAVE AN ACCOUNT WITH HELM ASSOCIATES.I HAVE RETURNED THE XXXX GRAND MARQUIS.I PAID XXXX FOR IT AND THE BLUE BOOK VAUE IS BETWEEN XXXX TO XXXX.THIS COMPANY IS A RIP OFF, I DONT OWE THEM ANY MONEY. HELM ASSOCIATES WORKS WITH XXXX, THEY ARE GIVE THE CAR BACK TO XXXX TO SELL AGAIN.MY DEBT I HAD WITH HELM ASSOC IS PAID IN FULL.PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT FILE AS SOON AS POSSIBLE.THESE CARS ARE OUT DATED AND BARELY RUN GOOD.PEOPL ARE BEING TOOKEN ADVANTAGE OF.THIS IS NOT THE FIRST COMPLAINT AND I DOUBT IT WILL BE THE LAST.I SPEND TO MUCH MONEY ON XXXX COMPANY HAS CAUSED ME TO BECOME HOMELESS.THEY ONLY OFFERED TO TRY TO GET ME TO KEEP THE CAR AFTER I WAS ALERTED ABOUT HOW THIS COMPANY IS RIPPING PEOPLE OFF.ITS A SHAME AND SOULD BE AGAINST THE LAW FOR THEM TO WORK WITH XXXX ANS SALE THESE OLD RUN DOWN CARS. I THINK THE XXXX SHOULD KNOW ABOUT THIS COMPANY AND SHUT IT DOWN.I DO NOT OWE HELMS ASSOC ONE CENT.I WAS TOLD THAT CAR WAS WORTH XXXX AND NOT EVEN WORTH A TRADE. PLEASE REMOVE THIS FROM MY CREDIT FILE. THANK YOU COMPANY HELM ASSOC XXXX XXXX XXXX XXXX PA,XXXX XXXX

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 2016-05-13 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ

Complaint narrative:
Late payment was addressed as a computer gliche and a letter was written to company explaining as they had requested. My father was the cosigner on the loan and was affected by this. Once explained this was removed from his credit report and the account was paid in full to prevent any further issues. The letter was faxed on XXXX/XXXX/14 yet my credit was not adjusted and my fathers was. NJ Class Loan HESAA is the account in question

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 2015-09-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I started the refi process with Bank of America in XXXX and still have yet to close a loan. After months of them dragging their feet to get things closed, they still have not completed this for me. It sometimes takes over a week for me to hear back from the loan officer. Since this has gone on for so long, my rate lock has expired and my patience has worn out. Since I have already paid them a appraisal fee, I 'm stuck with them unless I want to lose out on {$600.00}. This is refi is through Bank of America. It is actually a loan that they sold in XXXX and I am just trying to give them back the business. I had the loan with them since 2008.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have several inquires from a company I have never done business with

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 — Inadequate help over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon reviewing my Equifax credit report ( XXXX ), I discovered an obsolete account ( creditor name, XXXX XXXX, date XXXX, account number XXXX ). Please delete this account immediately as it is too old to be in my credit file. If for some reason the account is verified, please send me the name of the person who provided the information and the method in which it was investigated. 
In accordance with the Fair Credit Reporting Act, Section 605 [ 15 U.S.C. 1681c ] " Running of Reporting Period '', as of XXXX, reporting periods only run 7 or 10 years depending on the type of information. In my case, the information in question expired.

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: Communication tactics — Used obscene/profane/abusive language
Company: Diversified Adjustment Service, Inc.
State: UT

Complaint narrative:
I called Diversified Adjustment Service, Inc today ( XXXX/XXXX/15 ) and spoke with one of their collection representatives named XXXX. I had previously made payment arrangements ( XXXX/XXXX/15 ) to pay {$20.00} a month until the debt was paid. XXXX stated that amount would n't work, that I had to pay more. I stated that I 'm on a fixed income, I only receive Social security, and can not pay more than that and I have a letter stating that fact. He said " Well you 're talking to me now, and there 's no way you can pay just that amount. It 'll take you seven months to pay it off, you 're going to need to pay more. '' When I refused he changed tactics and said, " Ok you got ta make a settlement than. You got ta pay it off. '' I again said I could n't. He said I had to and asked how much I could pay. I stated again that I could maybe pay {$50.00} but wo n't since I have a payment plan and he told me they ( XXXX ) would n't accept that, very sarcastically. Maybe they would accept {$120.00}. I told him no. I said I wanted to speak to a manager. He told me no. When I insisted he said in a mocking tone " Ooo are you going to offer my boss a deal? '' Then continued to say he would n't connect me. When I would n't budge he finally transferred me to a voice mail.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
We applied for HAMP loan modification with Fifth 3rd Bank and the bank moved forward and sold Our home. The bank acknowledged receiving the complete losss mitigation application and supporting documents but still moved forward and did not review or offer any type of solution to help Us stay in Our of 22 years. All of the equity We invested is taken away. We hired an attorney who was suppose to be representing jUs with the foreclosure process and he basically stole Our money. The attorney has been missing in action and does n't take calls or respond to text or email messages. We later found out he has been cited by the Lawyers review board for inappropriate conduct. We are now struggling with finding another attorney and appealing a case that should have never gone this far.

Company response to consumer: Closed with explanation