vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-30 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Business and Consumer Solutions.
State: PA

Complaint narrative:
FBCS Senior Representative XXXX XXXX (? ) contacted me XXXX XXXX at which time I told him to send me the required letter and then i would decide what to do from there. The letter arrived on XXXX XXXX indicating the debt was bought by XXXX not XXXX as XXXX had told me. I then sent them a certified, return receipt debt validation letter which was received and signed for on XXXX XXXX. 
I received calls XXXX XXXX, XXXX, and XXXX, as well as XXXX. On XXXX I talked to XXXX again and told him about the debt validation letter. He was confused and had no idea what i was talking about, he had no knowledge of what a debt validation letter meant. He finally agreed to stop calling me until the debt was validated. To date it has n't been validated even though I was told it would be in too weeks. 
I would also like to point out the Pennsylvania is a XXXX party state for recording of conversations, and i was not told until half through the conversation with XXXX that we were being recorded, and at no time was I asked for permission to record.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have a credit card with Fifth Third bank. On XXXX/XXXX/2015 I was billed XXXX for next years annual fee. I received the bill on XXXX/XXXX/2015 and called the customer service line at XXXX and told them that I wanted to cancelled card as I did not want to pay a XXXX annual fee for a credit card. They closed the account but are refusing to reverse the unauthorized annual fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation
State: TN

Complaint narrative:
While trying to reset my password, the website attempted to request additional credit without my permission. I then found a hard inquiry on my credit report. After bringing the issue to the attention of the company, they refuse to acknowledge that there is an inquiry on my credit and continue to send me the same responses. I have sent photos to them, but they still respond with the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: OH

Complaint narrative:
I had a loan with vanderbilt finance company. It was a mortgage for a mobile home. It was foreclosed and I settled with them XX/XX/2015. I was told that Vanderbilt would correct the information on the credit bureaus immediately. I was recently declined for a loan because Vanderbilt is still reporting an active judgment against me. Again, I settled with them XX/XX/XXXX. I was given the name of the one person who was able to help me with this matter and his extension. I have called and left him 6 messages over the course of two weeks. He has not called me back. I let him know in my message today that I would be contacting the CFPB for help if he did not respond to me by EOD today.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BMO BANK NATIONAL ASSOCIATION
State: UT

Complaint narrative:
On XXXX XXXX, 2015 i was emailed a BMO Harris checking account cash coupon for {$200.00} to open a new checking account with promo code XXXX ' and to deposit at least {$100.00}, set up direct deposits of {$300.00} or more within 60 days of opening a checking account and to maintain such direct deposits it would deposit a {$200.00} bonus into my account 120 days after my account became opened. 

On XXXX XXXX, 2015 BMO Harris Bank N.A . approved me and opened a checking account for me where i deposited {$100.00}. On XXXX XXXX, 2015, XXXX XXXX, 2015, XXXX XXXX, 2015, XXXX XXXX, 2015, & XXXX XXXX, 2015 I set up direct deposit and had my monthly {$750.00} social security income deposited on each of these months. On or about XXXX XXXX, 2015 i contacted BMO Harris Bank N.A . at its customer complaint resolution at telephone number, XXXX, concerning my {$200.00} bonus and was told by a female BMO Harris representative i needed to wait until my XXXX XXXX, 2015 direct deposit came before this representative could place a request that I be able to receive my {$200.00} bonus. On XXXX XXXX, 2015 this representative put a request in which BMO Harris told me takes 3-5 business days to process and stated that if my {$200.00} bonus was not deposited after XXXX XXXX, 2015 it could expedite my deposit immediately. However, on XXXX XXXX, 2015 when i contacted BMO Harris concerning my {$200.00} deposit another female representative, XXXX stated that she spoke with another department in BMO Harris who informed her that I would have to wait until XXXX XXXX, 2015 to get my bonus. 

Per BMO Harris Bank N.A . terms in its checking account cash coupon for {$200.00} it clearly stated that after 120 days of my account opening i would receive my {$200.00} bonus. Again, this account was opened on XXXX XXXX, 2015 and 120 days from that date, was XXXX XXXX, 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I have multiple 30 year loans on different properties and through different servicers. Over the course of the last several years, they 've all been transferred several times to different servicers. The worst case is when the originator transfers it to a servicer then transfers it back to themselves a few years later ( Freedom Mortgage ). 

In this last case, I had not caught that the address for the servicer changed and the old servicer stopped forwarding my payments. As a result, they returned the payment and I was charged a late fee by freedom mortgage. Had I not caught this in the first month, I would also have a late payment on my credit. 

There is something wrong here. Putting the {$100.00} late fee aside, the damage that can be done to someone 's credit over this passing back and forth of loans can be quite severe. It seems that there should be legislation that protects consumers against this. At the very least, the old servicer should continue to forward payments until they 've gotten a hold of the customer ( using all necessary means - snail mail, phone and email, they had all those on file ). 

I did n't get a single call from either Freedom or the " old '' Freedom ( their past servicer, XXXX ) and just a letter from each. Considering that this action can cause a severe amount of damage to a consumer 's credit, something needs to be done about this. 

When approaching Freedom, they did not offer to remove the late fee which leads me to believe had it been over 30 days, they would not have worked with me to remove the notice from my credit either.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Franklin Credit Management Corporation
State: FL

Complaint narrative:
XX/XX/XXXX, a representative from Franklin Credit came to my house around XXXX. She asked my name and stated that she had a letter for me. I informed her that on the letter my name was spelled incorrectly. She asked for the correct spelling and wrote it on a piece of paper. She stated that the letter was regarding a property that I had defaulted on. I told her that the only property I 've ever owned is the one that I currently reside in. I told her that I did not want to accept the letter since my first name was spelled incorrectly. I told her that I was unaware of the debt because I had been the victim of identity theft years ago. She told me to contact the company to have the matter rectified. 

The letter only contained a note instructing me to call a XXXX number. I called the number repeatedly and it would ring one or two times, then there was an automated prompt, after which the line would disconnect. No one ever answered. A week later I received a certified letter from them detailing the alleged debt I owed from an outstanding promissory note from XX/XX/XXXX. 

I contacted the company and they attempted to try to set me up on a payment plan. I informed them that I was the victim of identity theft and that the IRS and credit bureaus were aware of the fraud. They said they would make note of it on the account. I heard nothing about it for months. 

On XXXX XXXX, a man identifying himself as a sheriff arrived at my house after XXXX. I was served a summons initiated from the company Franklin Credit claimed to be servicing the debt for ( XXXX XXXX XXXX XXXX XXXX ) and give me 20 days to reply with a written response. 

After reviewing the summons and the claims made, there were inconsistencies that I repeatedly pointed out during this process. The incorrect spelling of my first name on the promissory note, in addition to the inconsistencies with my signature are all points that I made in my response. 

At the alleged time of the note, I was a full-time student at a university and also working part-time at that university while living on dorm. I was dependent on my wages and student loans at that time. I informed the representatives that I did n't even qualify for a personal loan at that time, so I know I did n't qualify for a mortgage. 

Unfortunately, my repeated attempts to get the matter rectified has remained unresolved. In fact, the office of the attorney for the plaintiff contacted me to say that they would be proceeding with the lawsuit against me. Despite them requesting my identification, they acknowledged that my first name was spelled incorrectly on all documents, including the notarized promissory note and continued to state that the signature " somewhat '' matched mine. 

I feel as if they are trying to take advantage of me. They are applying many different tactics and trying to force me to pay a debt that is n't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
We had a XXXX XXXX walk away from us in the middle of a project. He asked for XXXX checks from us. XXXX in which I called XXXX XXXX to have cancelled - however they never cancelled the check and the fraudulant XXXX walked away with twice the amount of money he should have taken us for. I provided a customer service rep with the check number and the amount which needed to be cancelled. To my surprise a check for {$45.00} was cancelled instead of the check for {$7500.00} ( check number XXXX ). Since the following check to the fraudualnt XXXX was also cashed, I am at a loss of {$15000.00} instead of {$7500.00} due to harris bank not properly canceling the first check. When I spoke with Multiple layers of management, they told me there was nothing they could do because they claim I gave them the wrong check number. 
They should have never allowed the {$7500.00} to leave my bank account and should be liable for such a loss.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have received numerous calls from XXXX among several other numbers but this is the most recent. Several months ago i was receiving these calls also but I impolitely told them DO NOT CONTACT my family as they have recently done also. They did not call back until today. They contaced my mother and stated it was urgent I contact them that they are just trying to help me. I decided to call them back. They claim to be XXXX out of XXXX, GA. They went through this whole spill and sounded legitimate so without thinking this through obviously I gave them my card number to pay the debt because I in fact owe this. After I did this, I then recall my previous conversations with them several mos back and they were rude and making sound as if I were going tpo jail. STUPID me, so I then called and cancelled the card that I had released the info on. These people are harrasing and I would like to know what I can do and whom I can contact to report this and I would like to take action against them if this is not a legit company for harrassment. Any advise you have will help ....

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
My family bought our first home about a year ago and we have had our mortgage servicing changed 3 times in the past year. Our current mortgage servicing company is Freedom mortgage. I tried to make my XX/XX/XXXX payment with this company on XX/XX/XXXX and I received a confirmation # from them which I have. They gave me a call on XX/XX/XXXX saying the payment had n't gone through even though I received a confirmation. I was told the bank info had a XXXX number error and it did n't go through because of this. Now they have added a {$73.00} late fee to my payment. Prior to this, I tried in XX/XX/XXXX to get automatic payments done, but their website would not allow me to do this. I also called them on the phone to do this without any avail. Furthermore, they 're website does not have the capability to save bank information ; therefore, it would be very common to have a human error when making payments. I was supposed to have a manager call me and reverse the payment. I had to call back today on XX/XX/XXXX because I have not had anyone reach out to me. Furthermore, I waited an hour and half and was still not put in touch with a supervisor. On top of this there was no record of my call on XX/XX/XXXX with them because their customer service rep forgot to save the notes. I 'm very upset that this company treats its customers this way and tries to gauge them with late fees.I never signed up to work with this servicing company and have been forced to do so because my mortgage keeps getting sold. Furthermore, they do not help their customers fix issues and waste their time when customers try to resolve issues. This is very troubling and this company needs to be investigated for their 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 2016-11-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Freedom Mortgage Company
State: MI

Complaint narrative:
I applied for a mortgage refinance through Freedom Mortgage on XXXX/XXXX/16 and did not receive a request for needed documents until XXXX/XXXX/16. I then sent the documents requested to them by e-mail on XXXX/XXXX/16. I e-mailed them on XXXX/XXXX/16 because I had not heard anything and they let me know my appraisal would take place on XXXX/XXXX/16. On XX/XX/2016 I was informed by e-mail that they needed me to re-send the documents I had already sent ( they were identical and not changed in anyway ). I was then asked to send the same documents again on XXXX/XXXX/16. On XXXX/XXXX/16 I was asked to sign an additional document and returned it the same day. On XXXX/XXXX/16 I informed them by e-mail that I would be filing a complaint as I still had not heard anything on my loan. I received a phone call letting me know the loan was in underwriting and they would contact me. On XXXX/XXXX/16 I received an e-mail requesting updated information that I sent to them the same day. I have been told my loan is still in underwriting. Are there rules as to the time frame in which they need to be responding to me or a time frame for the underwriting process. This has really been a nightmare. They keep asking for the exact same things. They have contacted my employer multiple times and my employer informs me they keep asking the exact same questions. I would really just like to get the loan closed. Is there anyway you can please, please help me?

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 2015-08-21 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
My account has been hit with a negative balance fee on top of overdraft fees. None of my personal banking reps could explain to me or understand what this fee is. Once I called the phone reps explained it as a fee given when deposited funds are not available and are able to be used. This is not my case however. My account has been charged with a negative balance service charge which then puts my account in the negative .I am charged an overdraft fee and then I am charged again for a negative balance fee for the same occurrence. I have been double charged for the same overrdraft caused by this " negative balance fee " and then the cycle happens the very next month for having a negative balance. Ive been charged nearly XXXX $ in the last two months alone. This seems very unfair and I feel taken advantage of especially since my personal banking reps had no clue what a negative balance fee was there for how could I as a customer. I am a seasonal small business this is my XXXX year going into business and I feel Fifth Third Bank is taking advantage of me. If this is not resolved I am shutting down my account immediately and taking my complaint to the highest level possible. I will spread the word that Fifth Third is not a bank for small businesses that often struggle with making ends meet only to be gouged with high fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: NE

Complaint narrative:
Freedom mortgage received double payments on my monthly loan. When I realized what was going on I asked them to stop pulling payments as I had payments already pulled for my loan. I asked for the additional payments to be refunded back to me. The customer complaints escalation team confirms 3 bi-weekly payments were duplicated. However each time I call in - NO one will give me a number to call them back and NOONE has a direct line or an extension for me to call back to. Each time I have called I speak with anyone new. each time we have the same conversation ... they want to only reimb me 1 payment. Each time it always concludes with yes they owe for 3 bi-weekly payments and that the money will be mailed. I wait, after NO refund -I call back in and start the complaint all over again. NO notes are placed in my file, No one that I talk to has a direct line or even an extension for me to call. They all promise to expedite the refund, but no payment is recieved. I started this process on XXXX XXXX! on XXXX XXXX I was given only a portion of the full refund owed me. Again when I called, I was told they first show no refund, then they will pay one and then this last time they need my XXXX payment in full before they can reimburse the " additional " payment that has been on my account since XXXX. I feel I have been patient long enough. I also feel that if I were late on my payments I would be charged interest and a late fee! My bill stated if my payment is not received by a certain date I will be assessed a {$42.00} late fee. I now think they should pay me interest as well as a late fee for the days I have waited for my refund.

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 2017-01-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
I was contacted by my mortgage company ( Freedom Mortgage ) about refinancing. It sounded too good to be true since they said it would not cost anything. I verified that the company was legitimate and decided to pursue on XXXX XXXX 2016. I have a few rental properties and the loan officer asked some questions and he incorrectly filled out an application for me. I told him that there was missing information and he stated " you already have a loan with us and you qualify only on your income so it should be fine ''. Well once it got to underwriting, they have been slowly asking me for information for a complete financial snapshot which I understand. It is now XXXX XXXX and I have no idea when the refinance will be completed. They are apparently still missing some information that could have been requested at the time I initially provided all of my information. To top it off, the most recent loan documents that they sent me have changed the terms of the loan. It seems like a bait and switch.

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 2015-12-11 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XXXX XXXX, 2015 I contacted XXXX XXXX XXXX XXXX to pay off my vehicle. I paid using a Fifth Third Bank credit card. The total due to pay off my car loan was {$7400.00}. I went ahead with the transaction. This was considered a point of sale purchase. On XXXX/XXXX/2015 when the transaction posted for {$7400.00} to my Fifth Third Bank credit card, i noticed there was a cash advance fee for {$290.00}, I immediately called the bank and of course immediately i get a bunch of runaround. However this was not a cash advance and I will not pay 24.99 % when i already was paying that to XXXX XXXX XXXX prior to paying of the loan. So what did i gain by paying off the loan to get the same interest rate as XXXX XXXX. I contacted XXXX XXXX on XXXX/XXXX/2015 and they advised me that they did not process this card as cash or a cash advance, and that Fifth Third Bank back end processing converted it to a cash advance. I disagree with what has happened and i expect a serious resolution or my next step is to see an attorney.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I have been trying since XXXX of 2014 to remove PMI from my mortgage loan. Despite XXXX written letters and numerous calls, there has been no response from my lender. This is costing me {$150.00} per month for unnecessary PMI.

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