vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-23 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Re : Wells Fargo checking account. 
They took a check that cleared from XX/XX/XXXX and processed it again. Those funds were taken out of my account on XX/XX/XXXX. After several calls and a threat to take this matter further with you, I gave them until today to put the money back into my account. The did put the money back into my account today ... but ... they were not able to or willing to explain how this happened. 
I would like you to investigate how this happened. 
I will include copies of the check and my current statement. 
Thank you.

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 2016-06-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Time for my daily complaint against Experian, they still refuse to investigate my case given all the evidence I have sent them. Their incompetence cost people their livelihood.

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 2016-11-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: LA

Complaint narrative:
I was told by Freedom Mortgage when I received my XXXX advance check in XX/XX/XXXX that as long as the checks are under XXXX they will endorse and send the check back out. I also informed Freedom Mortgage that I am the homeowner XXXX and will be XXXX along with my fianc and uncle to help. I received the remaining balance for repairs of XXXX a few days ago and sent it to them and now I am told I need a contractor for them to release funds. I have contracts that I have signed for my windows and fireplace that needs to be paid with the remaining and that is only the beginning. I am not in my home its been 4 months since the flood and I am not making enough progress there is mold on the outside of the exterior that needs to be repaired and I am now told I need a contractor after some of the work has been completed by my family and I. To top it off one of the representative left me on hold and ended the call. My family and I have suffered enough and are still currently displaced. I am also required to continue making monthly payments to Freedom Mortgage and my HOA. My HOA is also guaranteed a portion of this money to complete exterior repairs. Another representative told me they have to make sure the repairs are right however my home has passed framing inspection and electrical. My final inspection will be put on hold if this money is not released because I can not afford to pay out of pocket to fix my home. I am very upset that I was told I will be reimbursed by sending in receipts after I have to pay with my own money. I am already paying to live in a temporary home and my current home is not able to be occupied until the final inspection.

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 2016-08-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
Contacted me through email, address was " XXXX '' ( XXXXXXXXXXXX ) Documents attached state " XXXX XXXX XXXX '' and " XXXX XXXX XXXX '' Asked to send verification via usps, received letter from " XXXX XXXX XXXX '' return address checks out as a courthouse in CA. Letterhead states " professional litigation '' and " ... this law firm.. '' This firm also claims it had sent mail in the past. I have not recieved anything until recently. A " mimi-miranda '' or " attempt to collect '' was also not sent. 
As I feel more comfortable sending corresponsdence via certified mail, the courthouse address is not acceptable, especially when one is expected to send bank card info back via email ( XXXXXXXXXXXX ) or by fax.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Law Office of Linda Strumpf
State: NY

Complaint narrative:
I recently received a letter from the XXXX XXXX of New York in regards to Notice of Garnishment. Judgment creditor from XXXX XXXX XXXX that I have never heard of until XXXX days ago. I have never received any notices of any kind regarding this matter. The judgement states that I owe over {$27000.00} that I have no idea to whom or for what. I have excellent credit and have never had any judgements against me. Is this even legal or am I in a case of mistaken identity?

Company response to consumer: Closed
Consumer complaint received 2016-03-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
XXXX XXXX, I settled with XXXX XXXX on my new house. My first mortgage payment was due XXXX XXXX. My Mortgage loan was transferred to Freedom Mortgage and has been a horrible experience. My first payment was made via check and cashed/cleared my account by Freedom XXXX XXXX XXXX. I attempted to make my second payment XXXX XXXX via internet but system problems so I telephoned it in that payment and was advised there system was done. Hours later I logged into Freedom website and saw to pending mortgage payment. Immediately, I called them. I was advised the payments could not be stopped but that once they received both payments, the other erroneous payment could be refunded. After weeks of Freedom not taking, not even one payment, I started calling. After three days, I spoke with a supervisor whom advised, my XXXX payment was cancelled out by someone but could n't explain why, and he said it appeared as if my XXXX XXXX payment was being refunded to me and that I would need to remake my XXXX XXXX payment. This sounded ridiculous. By now my account was reflect I owed XXXX XXXX, XXXX XXXX and since it was getting close to XXXX XXXX. Freedom opened and investigation to look into my account. They even reported this to non-sense on my CREDIT REPORT WHICH HAS NOT BEEN CORRECTED YET AND SHOULD BE DELETED. I had to provide a copy of the cancelled check showing I made my XXXX XXXX payment because they could not locate the check and said they could not find the funds. They stated the funds should have been applied back to my bank account, FALSE. I had to provide bank statements to proof this. I sent a letter advising I would seek legal action if my account and credit report was not corrected. I am still waiting for verification this has been deleted on my credit report as I want to retain my same credit score. How can a company with a pending investigation report an unresolved matter to your credit? They currently have me owing a late fee for XXXX XXXX. I called in on the XXXX and made this payment, my payment is not considered until after XXXX. They are saying it was not received until the XXXX. I am now requesting a letter from Freedom Mortgage stating that they have deleted this from my credit. I was informed it was made current, NO this is not sufficient. It needs to be deleted. I had excellent credit with an impeccable credit score.

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 2015-03-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Since XX/XX/XXXX, despite making my mortgage payment, in the same manner and for the same amount ( {$2300.00} ) as I had for the previous 10 months, our mortgage provider Fifth Third Bank has incorrectly processed payments. This problem has now occurred in XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX and XXXX ( XX/XX/XXXX ). Each month the payment processing error is different and the problem has persisted, despite my filing XXXX complaints with the XXXX, monthly calls to Fifth Third bank Customer Service and several interactions with Fifth Third Bank 's Office of the President. I CAN NOT understand or fathom, how the bank processed these payments correctly 10 consecutive months in a row ( {$900.00} mortgage payment and {$1400.00} additional on the principal of the loan ) and suddenly not only ca n't process the payment correctly, but worse can not explain all of the errors. I have also filed a formal complaint with the Fifth Third Ethics and Compliance line on Monday XXXX XXXX, 2015 and have not even had the courtesy of a follow-up call. I find this practice unethical and likely to be occurring to other consumers who may not even be aware. I was provided this channel to file the complaint after reaching out to " XXXX On Your Side '' television investigative reporting, here in the XXXX, XXXX, FL area. I am hoping you can help, as the stress of dealing with these ongoing payment processing errors is now taking a toll on my emotional health and well being. I find this bank despicable. I have prepared and will be sending formal written complaints to the CEO of this bank and the Senior VP, whose name was on a form letter I received in XXXX, following a call from the Fifth Third Bank 's collection department on XX/XX/XXXX, informing me I had not made my XXXX XXXX payment, when in fact Fifth Third Bank had processed my check on XX/XX/XXXX, informing each of the persistent, frustrating and insulting treatment I have been receiving month after month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I tried to get a bank account with my current spouse and was denied due to a fraudulent account!!!! I have never banked with 5/3rd Bank in my life!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I once had a credit card with Fifth Third bank, which was closed bank in XX/XX/XXXX. In XX/XX/XXXX a charge that was stored on an online account automatically tried charging the card for the renewed subscription. Instead of Fifth Third bank declining the transaction they reopened my closed credit card without my permission. Finally, after three months of not contacting me via phone, email, or mail, I received a letter in the mail saying I owed the charge of {$77.00} ( for the service ) and an extra {$100.00} for late fees. After countless hours on the phone with them, they acknowledged my credit card was closed and they reopened it. I offered to pay the initial {$77.00} fee if they would waive the late fee for not informing me, or without reopening it without my permission. They said they would look into the dispute into a better solution. After about another month they sent back a letter saying the dispute was denied and I owed the entire fee. When I called back to ask how it could have been denied, since they reopened a closed account, they said the 120 day period has passed and there is nothing they could do about it. I have since discarded the credit card because I had no use for it after I had closed the account in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Professional Service Bureau
State: FL

Complaint narrative:
I have received approximately XXXX repeated calls all within a 10 minute time frame. When I call the number back I do n't get any information as to who or why I was contacted. The agents that answered the phone were very disrespectful, and would not provide any company information or any other identifying characteristics.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Diversified Adjustment Service, Inc.
State: FL

Complaint narrative:
I explain several times, with this company that I had a XXXX and to mail me the bill and I would pay on the bill the response was you pass that .and you do n't have any credit to put it on. Ive them to stop until I recover from my XXXX they continue

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My debit card was charged without authorization from XXXX XXXX XXXX in XXXX, NM. I submitted a fraud dispute with BMO Harris bank and received a provisional credit for a partial amount. 

The provisional credit was then reversed from my account with no warning or proof from the merchant that fraudulently charged my card in the first place for the amount of {$1100.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I received XXXX returned check notices from my bank. Both notices were for large amounts of cash to be paid to a mortgage company that is not my lender. 
Date Amount check no action taken fee chargedXX/XX/2015 {$3000.00} XXXX Returned $ XXXXXX/XX/2015 {$3000.00} XXXX Returned $ XXXXThe company trying to access the funds was Freedom Mortgage Company which is not my Mortgage Co ( Lender ) I contacted them and they denied trying to access money from my account. The bank gave me their name. I spoke with a XXXX at XXXX. I contacted my Mortgage lender to see if my account had been transferred to Freedom Mortgage and they said it had not been transferred. I do n't know how they got my banking information and the amount they were trying to access is double of what I pay to my mortgage company. The name of my mortgage company is XXXX at XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: NV

Complaint narrative:
Little to no communication from Freedom Mortgage. They purchased my home loan 2 months ago. I have not received any payment or billing information. I only received an account number after calling customer service. I was threatened with a late fee if i didnt make a payment on their website. I was told they dont accept electronic payment from XXXX XXXX XXXX and making a payment through my bank will result in a late fee as they have to mail a check. I will not make a payment on Freedom 's website as i have zero confidence in this company. With XXXX XXXX XXXX there is a tracking system for payment and more assurance than what Freedom is providing. They have horrific communication and unsatisfactory customer service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Freedom Mortgage Company
State: AL

Complaint narrative:
I submitted a refinance with Freedom Mortgage XXXX XXXX XXXX XXXXXXXX XXXX NJ XXXX in XXXX 2016 to convert my primary mortgage from an FHA to VA loan. Freedom Mortgage sent an appraiser to appraise my home and charged me for the appraisal and they charged numerous additional fees for the refinance process. I was told by Freedom Mortgage it would take approximately two weeks to get everything processed. I heard nothing from Freedom Mortgage after two weeks and began trying to contact them. I called the assigned rep but could get no response. On XXXX XXXX I did contact XXXX XXXX, Assistant VP of Sales and he requested a credit card number and a XXXX -- XXXX of which I provided. XXXX XXXX then charged additional fees and immediately became unresponsive. 

I managed to contact a XXXX XXXX XXXX at Freedom Mortgage on XXXX XXXX and he stated he 'd get the process resolved. After numerous calls and messages, XXXX XXXX referred me back to XXXX XXXX -- who has remained unreachable. I have requested Freedom Mortgage complete the process and/or refund all the fees collected so I can get this processed elsewhere but Freedom Mortgage has refused to do either. I believe Freedom Mortgage has charged fees in excess of the VA allowance and has no intention of processing the refinance or returning the money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
We closed on a refinance with Freedom Mortgage on XXXX XXXX, 2016. On XXXX XXXX I was told to cancel auto payments and to NOT make payments for XXXX and XXXX. However the autopayment had already gone through on XXXX XXXX. I called customer service to cancel the autopayments and was told we would be refunded the {$1100.00} payment made in error two weeks after closing. It is XXXX XXXX, no refund check and no one at Freedom Mortgage is willing to help me figure out what happened to our money. I called customer service who said they have no notes about a refund, but opened a ticket and I never heard back. I called the closing agent, XXXX XXXX XXXX, and they said they had no notes about a refund but sent an email to Freedom Mortgage. Never heard back. I called the loan processor, XXXX XXXX. She talked to her supervisor, XXXX, and said the payment made in error was included in the payoff. But they told me to call servicing who said a refund of {$1800.00}, a combination of the surplus payment and escrow money was due to us and to call back if we do n't receive it by XXXX/XXXX/16. No check. I called servicing again today and the agent could n't help me and transferred me to the Escalation department. The Escalation department told me again the XXXX XXXX payment was taken from our principal and we were not due a refund. I asked what is the {$1800.00}. She investigated with her supervisor but in the end could not give a response, and transferred me to a voicemail. I finally hung up. To say I am frustrated with Freedom Mortgage is an understatement. I ca n't find a single person who is willing to sit for 2 minutes to really understand what happened to our money. I just looked on my closing statement and the amount to be paid off was {$170000.00} with an escrow credit of {$610.00}. The payoff posted on my account is XXXX. If I subtract {$170000.00} from {$170000.00} I get {$610.00}. The XXXX XXXX payment for {$1100.00} was NOT included in the payoff. The closing statement was based upon the fact that we would not be paying XXXX and XXXX so the XXXX XXXX payment was not considered when the loan was paid off.

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 2016-08-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
XXXX XXXX XXXX sold our Mortgage to Freedom Mortgage, and did not notify us. All payments submitted to XXXX XXXX have not been transferred to Freedom Mortgage, nor have they been returned to us. This is the XXXX time the mortgage has passed different hands within the last 12 months. The XXXX XXXX mortgage companies did not have my telephone number, nor did they have the correct address. 

Mortgage Payments were sent to XXXX, for the months of : XX/XX/XXXX ( Forwarded to Freedom ) XX/XX/XXXX ( Forwarded to Freedom ) XX/XX/XXXX ( Not forwarded, and not returned to borrow, and not rejected ) XX/XX/XXXX ( Rejected by XXXX ) XXXX, the XXXX lender, had sent us notification that our mortgage would be changing hands to XXXX, to the correct mailing address. However, later no correspondence was received from XXXX XXXX or Freedom Mortgage. 

We found out of this change, after our payment was rejected by XXXX XXXX, and I viewed my credit report to find Freedom Mortgage. XXXX XXXX is now claiming they do not have our payment for XX/XX/XXXX, however, we have bank transaction records stating the XX/XX/XXXX payment was accepted by XXXX XXXX, and never returned back to us.

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 2016-10-25 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Credit card company denied charge back on the purchase of a pet food supplement. The product did not match the description on the website. The credit card company demanded written testimony from an expert ie veterinarian or pet food store stating that the product was not as described. This, despite my providing proof that the description on company website differed from the fact sheet that was included in the actual product.

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