vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
the reply from freedom mortgage makes no sense to me, the loan modifical would put me in a better position, with a lower payment and a fixed rate. the payment would not grow bigger than my XXXX check. i am a XXXX veteran. just looking for a tiny bit of 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 2016-01-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
I have been having trouble with Fifth - Third for the past three years. At XXXX point, they were fraudulently trying to foreclose and only through contacting EVER BOARD MEMBER we could locate through email did we finally get help. We have asked for loan help only to have our payment lowered XXXX a month, and we were told we no longer receive monthly statements, and after several requests for an amortization and payment booklet or SOMETHING showing our details, we have n't received anything. We were also given a direct address to send payments to only to have them sent back 2-3 weeks later saying they did n't know how to apply the money?? In the meantime, they 're saying we are in default. This is the SAME EXACT THING they did to us less than two years ago. How do we stop this and get the information from them that we need? We also have yet to receive our paperwork for our taxes this year. Thank you for your time and help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
There are repeated calls from XXXX to myself and family members ( mother grandmother father step mother ) threatening to issue a bench warrant for my arrest. They say they are a law firm called XXXX legal group but when they begin talking they demand payment and threaten to issue bench warrant for my arrest. They call repeatedly to all my family members and are extremely rude to them. They call me private and from unknown numbers. They leave case or docket numbers XXXX XXXX./

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AL

Complaint narrative:
I was contacted by my mortgage lender because my payment had run late. During the call, the agent repeatedly told me the bank WOULD NOT cash my check, as it was not the amount they were looking for. He then falsely stated that it was because I had a shortage in my escrow ( not that it was the late fee ), and requested that I make a payment over the phone. After doing so, the bank took the phone payment, and cashed the check, on the same day, leaving me overdrawn ( Had only XXXX payment been processed, I 'd have had a positive balance ) After contacting the bank to dispute the double charge, and after having my bank also file a dispute, I was informed that it would be ten days before they could return my money. When I called, later, to inquire why it would take ten days, the bank stated that they held checks for that period, in case of situations where there was an error, like the one I reported, or a stopped check. At this time, I have been 3 weeks with no money, and it has placed my finances in disarray, threatened the health and welfare of my family, and may cause other ill effects. Additionally, I believe the bank has been untruthfully changing my payments, year to year, despite my fixed rate loan. Also, at this time, despite the dispute being started on or around XXXX XXXX, I still have not been reimbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation
State: FL

Complaint narrative:
I took out a {$3000.00} loan with avant in XXXX XXXX and my monthly payments were {$170.00} monthly. On XXXX XXXX XXXX I contacted Avant to pay off the loan and we told it WAS XXXX which I took care of with an agent by giving them permission to debit my bank account for that amount, the funds came out of my account on XXXX XXXX .I received correspondence from Avant confirming my account was paid in full and they even sent me a survey to complet to rate them on my experience. Today while balancing my checking account to I see a debit from Avant for a XXXX yes XXXX I immediately contact avant and speak with XXXX and ask her why was my account debited for a penny yes XXXX on XXXX XXXX XXXX when I paid the loan off in full on XXXX XXXX XXXX. I was told my loan was paid in full but we had to clear a penny so we debited your account again 8 days later. I am upset this is illegal, unethical and wrong and needs to be addressed, why do they still have the ability to access my account without there permission when my loan is paid in full and they have sent me communication corroborating that. The debit was done 8 days later it 's not the a out of the debit heck every penny counts but the process is wring and illegal and needs to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
Bank in XXXX County NC, my mom cashed a check in drive thru. She went straight home counted her money and she was short {$200.00}. She went back they said she probably lost because she 's an elderly lady. Possibly said her grandson took it. I called the next day and the lady was real smart mouth with me and again accused my mom of mishandling her money. I asked if there were camera 's in drive thru and she said no. They claim the young man did n't keep the money but who 's to say when you do n't have cameras in that area. To me that tells them no ones wwatching. Now no proof. This is a bank handling people 's money. There should be camera 's in drive thru. She or any of my family will ever use your bank and they were not professional about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BMO BANK NATIONAL ASSOCIATION
State: NY

Complaint narrative:
BMO Harris advertises that " Open a BMO Harris checking account ( BMO Harris Select Checking and BMO Harris Portfolio Checking ) and receive a bonus of {$200.00} when you set up a qualifying recurring direct deposit of at least {$300.00}. '' I have completed the requirement many months ago and they have refused to pay the bonus.

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 2016-09-29 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I recieved a phone call from XXXX XXXX XXXX on XXXX/XXXX/2016 phone : XXXX. They claimed they tried to serve me papers at my home adress, then transferred me to XXXX XXXX at XXXX legal who said I owed a balance at 53rd bank. I asvised I would callback after speaking to 53rd. The bank verified there was an account in my name, when and where it was opened. At that point I started a dispute with 53rd bank as this was fraudently opened.. 53rd bank submitted proof this was being disputed to XXXX XXXX via fax number XXXX case # XXXX. XXXX advised there was no balance, XXXX account is closed and advised me not to pay XXXX XXXX services. I was also advised not to pay after filing a police report. On XXXX/XXXX/2016 I recieved a call from XXXX XXXX at XXXX XXXX XXXX phone XXXX who demanded I pay the balance of {$1700.00}, but to avoid going to coirt to pay {$650.00} now. I was threatened I would be sued by district attourney and that this will follow me forever. I again explained this was fraud, being disputed with XXXX and they are showing no balance. I advised XXXX I will call back after checking a status with the bank. I spoke to XXXX at XXXX XXXX who verified they do not work with XXXX legal services, balance is not my responsibility, and there is no money on account, the bank said they will send an afadafit to me to return to them. I then called XXXX XXXX from XXXX XXXX services back at XXXX and asked for something in writing. He said this would only state I have a balance. He states they do not accept or recieved anything from 53rd stating this is being disputed. He advised 53rd has no ownership amd can not do anything regarding this debt. XXXX said my story has holes like swiss cheese, I would be laughed out of court, and threatened legal action. He then said I would be served within the hour and demanded I hang up the phone. I never was served papers. XXXX XXXX services did not abide by FDCPA guidelines by threatening me and not providing accurate information or any information requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
It happened to my husband, but he does n't speak XXXX. He received a new debit card, but since he got one already he decided take it to the bank, he gave it to the guy who always helped him because of his language barrier. On XXXX XXXX he went to a XXXX XXXX store and he was paying around {$50.00}, his card was declined, checked his account and he had not a single dollar there, we went to a branch located at XXXX XXXX, the lady told us she saw a couple of transactions made at XXXX Nevada, so we did the report with the fraud department, they told us it 'll take a few weeks and they will do a federal investigation and if they think my husband was n't the one who used the money we will get the money back. We also did a police report and sended to the bank fraud department all the proofs of what we say, This is already XXXX we had sended letters explaining the case, in some moment they told us they called him and he authorized the transaction but how he could do it if he does n't speak XXXX, he says he remember that he got a call from Nevada, he answered they asked his name and of course he got that, then they say XXXX, he thought they were asking him if he ever traveled to XXXX and he said yes, we went to XXXX in 2014 for a trip and that 's why he assumed was something related with our time there, but now the bank refuse to give him a credit even when they can investigate who did it because in the statement appears place, time and date where it happened, whenever my husband goes to the bank he always had asked for an XXXX speaking person, so we do n't understand how bank call to authorize a big transaction like that in a language that the customer do n't speak. At this moment they said case is close, we do n't know what to do, that 's all what we have in savings.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 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 Adjustment Service, Inc.
State: NY

Complaint narrative:
I requested written notification of my husband 's debt and they refused to send it to me. They stated they had already sent it out and they could n't send me another letter showing the information regarding the account. i.e. balance owed, original creditor, date account was opened ect .... I am really confused as to why they can not provide me with documentation regarding this debt. The rep that i spoke to kept saying they sent it via mail and that I should have it. I then stated to her to check her notes because I just changed the information on file earlier that day. She said " Oh ok '' but still refused to send me any info and claims it was requested, but I still have not received anything. They refused to provide documentation and also stated they could n't send it until the bill was paid off.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
They put a unauthorized charge of {$590.00} for a balance transfer on XXXX/XXXX/2016. 
The bank that they claim they paid has not been credited to my other account.. 
I requested on XXXX/XXXX/2016 that a balance transfer of {$620.00} be canceled. 
I have had a extra XXXX charged on my account with nothing to show for it while being billed for interest on the same money they say they paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
5/3 Bank reported fraudulent activity on my account & closed it. They reported the activity to XXXX and now I am unable to open an account. My account was overdrawn by {$89.00} ; however, there was no fraudulent activity on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 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: PA

Complaint narrative:
Upon applying for a credit card I found that I was denied for a deliquent account. I looked up my annual credit report and found the supposed debt. The debt is absolutely not mine and I in no way opened the account listed. It is completely fraudulent.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Freedom Mortgage is refusing to pay property tax I have an escrow account they have sent me a letter stating they will not pay it i sent them a copy of unpaid property tax and theyou continue to ignore my complaints

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 2016-10-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
I have made multiple daily attempts over the course of 5 days to obtain a loan assumption packet from Freedom Mortgage. I have spoken to a different rep each time and been given a different answer as to how I obtain this. First it was a simple sheet I fill out and email to customer service. This did n't work. That was XXXX failed attempts with them stating I did n't give proper info. When in fact they were emailed my phone, email, property address, name and loan number. She said " well maybe it was n't legible ''. I assured each person that it was legible because it was a typed document. Then different rep tells me it is a form that can be emailed or faxed. Did n't work either. Then I ask to speak to supervisor and she tells me they have to send it certified mail. I wait. Nothing. Call back lands a different rep. She puts me on hold and I get hung up on. Call back. Yet another rep today states that it can in fact be emailed or faxed to me and is set to get to me by XXXX XXXX or c.o.b. Monday. I feel like this is a stall tactic for some reason with this company and they would rather have me foreclose and take my home. All I want is the packet so the new borrower can assume loan. 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 2016-08-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: MN

Complaint narrative:
I tried to make a payment on-line and got an error message. I called and was on hold for over 16 minutes. When the representative answered, she refused to assist me stating that I was not an authorized third party on the account. I explained that I was authorized as I was on the Deed, techinally and legally, that makes me authorized. She then proceeded to put me on hold again, and transferred me to another representative who could not help me the issue of making a payment and again stated that I was not authorized on the account. I am and you are in the wrong by refusing to note the account as such. I asked to speak to your legal department and was not allowed so I then stated that I would be filing a complaint and your representative did not care. She said she had done her job. I beg to differ. I suggest you check your answers and legality of them and authorize me o the account. Your previous representative did after I say on hold for twenty minutes, is this what I should expect each time I call in?

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 2017-01-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I disputed my a credit report Collection entry by a collection agency which took me to court on a debt that they did not legally prove that they owned. A Judge in Massachusetts Ruled in my favor dismissing the lawsuit and Equifax still verified the debt and wo n't remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04 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: Avant Credit Corporation
State: CA

Complaint narrative:
I contacted Avant Financial on XX/XX/2017 and ask for a pay off of my loan, they gave me a pay off of XXXX if paid in full before XX/XX/XXXX. 

On XX/XX/XXXX I mail a cashier check in the full amount, they credit my account on XX/XX/XXXX. and still debit my account on XX/XX/XXXX. I notice the transaction and contacted Avant and spoken to the Supervisor name XXXX on XX/XX/2017. and explain the situation and ask them to refund my funds, they said they have to conduct an investigation which will take about 10 days. I demanded my refund immediately. They will not send my funds for two weeks, which put my account in a negative status. I paid this account in full as stated by them. I have documents from them giving me the full pay off. They made an unauthorized debit from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: KEYCORP
State: NY

Complaint narrative:
I discovered the Assignment of Mortgage on my loan being used to establish ownership was robo-signed. XXXX, Inc was not in business on XXXX XXXX, XXXX and did not exist on XXXX XXXX, XXXX, when the Assignment of Mortgage was recorded and filed in the office of the XXXX XXXX of the City of XXXX. 
I requested for an explanation from the mortgage servicer KeyBank Real Estate Capital during the month of XXXX XXXX, but was not provided with this information in accordance with CFR 1024.38 ( b ) ( i ) ( ii ) ( iii ) ( iv ) ( v ). 
I also requested to know the date the mortgage and note was transferred or placed into XXXX XXXX XXXX, XXXX XXXX and when XXXX Mortgage XXXX, XXXX or XXXX XXXX XXXX, XXXX indorsed the subject note to XXXX XXXX XXXX, XXXX XXXX or transferred possession of it in accordance with CFR 1024.38 ( b ) ( i ) ( ii ) ( iii ) ( iv ) ( v ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
First I had to sign up for a credit monitoring program just to see my scores A student loan over 25 years old is showing on my report again it was removed ed over year ago and now it 's back on ... .. the sol. Has expired I want it tempted from all XXXX cbr, so This has been and issue for over 3 years I have had to pay on accounts still reporting that should never have been on my report. I believe I should be included in the compensation for consumers due to the improper practices in turn reporting I have lost over XXXX dollars because of transunion, s reporting practice es

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 2017-04-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: NCB Management Services Inc.
State: OH

Complaint narrative:
On XX/XX/2017 I received a call from NCB Management ( XXXX ) regarding an account I have with XXXX. At no point during the call did she advise me this was an attempt to collect a debt and that any information obtained would be used for that purpose. This is a blatant violation of the FDCPA and I 'm requesting the debt to be erased or restitution made to myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was charged a {$5.00} fee by Bank of America for withdrawing {$30.00} on or about XXXX/XXXX/2015. There was no disclosure of the at time of the transaction. 

I called Bank America customer service number on the back of the card XXXX on XXXX/XXXX/2015 around XXXX central and was told that we were on a recorded line. I shared my concern regarding a {$5.00} fee and was told that the fee was because of a {$20.00} withdrawal at a gas station on XXXX/XXXX/2015 but that he did have the authority to waive the fee. I requested to talk to a supervisor, XXXX the supervisor said the fee was for a transaction of {$30.00} at another bank. I again explained that the fee was not disclosed and that I would not knowingly agree to pay {$5.00} to access {$30.00}. XXXX said that she did not have the authority to waive the fee. I requested the next layer of management to take my complaint to and told that there is no one else at Bank Ameica to take my complaint. 

I am filing this complaint because I do n't believe the undisclosed {$5.00} I was charged is fair and have no other recourse through Bank of America.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief