vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Waiting for each agent to respone to my complaintXXXX transunion keep reporting outdated negative information. I disputed a number of things over 10 yrs ago but they continue to update as if they are new accounts and in good standing and paid and closed. Neither company is allowing me access to my file. I am requesting that you investigate this and also assist me in checking my file weekly so that I can see if I am a victim of identity theft. I would also like to send you my old credit reports from over 10 yrs ago by mail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alco Collections, Inc.
State: TX

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

Company response to consumer: Closed
Consumer complaint received 2016-10-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Pending Company Match
State: AZ

Complaint narrative:
One of the reasons given for denial for a home equity line of credit was a bankruptcy from 2004, which was due to a divorce. I have had perfect credit sense. I do n't understand how I can be denied credit when it 's too old to be on my credit report. On the application they ask if I had EVER filed for bankruptcy, not just in the last 7 or 10 years, so I divulged that I had.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Pending Company Match
State: CA

Complaint narrative:
I filed a complain against XXXX XXXX in regards to my daughter XXXX account. My contracted had ended and I refused to do a re-contract with them because of their poor business ethics. The closing balance was reporting as oweing {$1300.00} on my credit report. I contact them numerous times in regards to the balance. I was told that after auditing itemize the account it will be corrected. After Auditing was done they end up owing me money. Upon several month there was no changes made. So I then disputed the amount with the Credit Reporting Agencies. So instead of updating the account XXXX XXXX deleted the entire account as if it never existed. I called them XXXX different times as to put it back they keep telling me that is has been taken care of. They keep saying that they did it, its now up to the Credit Agency. I check Transunion this morning it still have not been placed back. Please keep in mind that this has been going on since XXXX 2014. I called today and they told me that they ca n't put it back because I request that it be removed. Why would I do that if it was a paid off account? So I then called to speak to a Supervisor. The XXXX says that its best to have it deleted because it was paid late. This account was not in late status I have proof from the documents I give to the XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-28 00:00:00
Product: Credit card — 
Issue: Cash advance — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a dispute with Bank of America on how to calculate the variable interest rate for XXXX XXXX XXXX ( XXXX ) charged to a Credit Card Account ending in # XXXX. 
We both agree the contractual rate for any XXXX on the Account is calculated using the " index '', the U.S. Prime rate as published in the XXXX XXXX XXXX with a margin of XXXX. 
We disagree on whether interest rate charged to the Account increases or decreases as the XXXX XXXX XXXX fluctuates. Bof A contends the rate is fixed at the time of the transaction - the XXXX XXXX XXXX. I contend, per the contract at page XXXX of XXXX, " How to Calculate Variable Rates '', quoting the contract verbatim - emphasis added in brackets : " An increase or decrease in the index will cause a corresponding increase or decrease [ note the disjunctive ] in your variable rates [ plural ] on the first day of your billing cycle .... " The Credit Card Agreement goes on to explain, again, quoting the contract verbatim : " An increase in the index means you will pay [ mandatory ] higher interest charges and will have a higher Total Minimum Payment Due. '' Simply put, the interest charges may go higher. BofA asserts the interest charged can only go higher but NEVER lower. The U.S. Prime has indisputably gone down, but Bank of America will not re-calculate interest rate charges to reflect " the decrease in your [ consumer 's ] variable rate ''. 
I believe our dispute centers on how to read a credit card agreement written by the Bank. 
I believe the contract must read as a whole construed according to applicable law. If the APR for a XXXX can go up, it certainly can go down. This means the consumer should be paying LOWER interest charges when the XXXX Prime Rate goes DOWN per the express terms of the Credit Card Agreement. 
Even if Bank of America is correct and the APR for the XXXX will remain permanently at XXXX - the rate is unconscionable - it amounts to a penalty rate not reflecting market conditions when the XXXX Prime goes down, but only accepting the variable rate when the U.S. Prime Rate goes up - penalizing the diligent consumer who has not defaulted. 
I seek a recalculation of the APR for any XXXX when the published U.S. Prime Rate went down and the balance on the Account corrected. 
Respectfully Submitted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
Despite having my PMI insurance removed by bringing my LTV below 80 % of the purchase price and receiving a later stating it has been removed, I have been charged PMI subsequently. On XX/XX/XXXX I went to the branch on XXXX in XXXX and gave a manager, XXXX (? ) a check for {$4200.00} to be applied to the principal. Despite explaining that it was for principal ( I had made my payment that month already ) and writing on the check " for principal '', the bank only applied {$2400.00} towards principal and the remaining {$1700.00} towards the mortgage. I only found this out after I was rejected to have the PMI removed because the principal amount was n't at the required threshold. After numerous back and forth with XXXX in Escrow the payment was eventually reversed and applied toward principal. I had to re-submit my request for the PMI to be dropped and I had both verbal communication from XXXX and written that " your PMI has been cancelled '' and you are no longer responsible for any further PMI premiums. 
I thought this matter was settled until I looked at my account summary online and saw that escrow disbursed {$180.00} on XX/XX/2017 and XX/XX/2017 {$370.00} both with an effective date of XX/XX/2017.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-28 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
At least six times on depositing cash into my bank account the money disappears. The receipt shows a deposit but the money is n't actually in the account. My car payments and other bills have been affected over this. Friday was the sixth time I 've dealt with this. I 've heard it was a back office problem, a teller issue, new computer system issue, a closing of the day issue. The first time the manager of the Fifth Third branch in XXXX Michigan ( the bank I go to ) deposited my money in someone else 's account. I 've had it!!! What is so difficult about depositing money that they ca n't seem to figure it out!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
XX/XX/2016 there was a one-time special added to my annual taxs. I was never notified about this, I just started receiving call that my loan was in default and I was not paying the proper taxes. They quoted my taxes to be approx. {$950.00}. I then check with the county assessor office and the accrual tax is {$420.00}. I notified freedom Mortgage to investigate this, which they never did. I then discovered on my own the special assessment and on XXXX/XXXX/2016 I paid freedom Mortgage the amount of the one time fee. therefore my mortgage should rerun to normal. I requested numerous times for a break down of the PITA and $ in escrow. No contact only calls that my loan is still in default. I have tried several time to resole this and request either an upper management call me or their legal department. To resolve. they are threatening me with foreclosure and in conversation with the agents they have no notes in the system that they stated tthey would note. I have mailed in certified mail bank statements showing all payments are made on time and the payment of the special assessment. I also have sent them copies of the tax bill. I still am getting letters of foreclosure. I have now requested all documentation and future discussion to be in writing. I need to stop this foresclosure because I am not in default. Freedom Mortgage has misappropriated my loan funding. I am a Vet ( XXXX ) and I need assistant in dealing with Freedom Mortgage.

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 2017-01-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
In XX/XX/2016 I was contacted by Freedom Mortgage and they offered my the option to refinance my home. The suggested that we go with the XXXX as the was a quick and easy process. Freedom Mortgage continued to state that they were missing information that was provided several different times. After acknowledging that they had received the correct information they then took over XXXX days to get a loan processor assigned. We XXXX months later we finally got to the final stages and I found out my current mortgage was transferred from XXXX to XXXX. I was primsed that the transfer would have no adverse affect to me during the XXXX day grace period. I ended up making my XX/XX/XXXX payment in XX/XX/XXXX as a result of the loan transfer. Freedom Mortgage is counting this as late payment and XXXX refuses to update my records to reflect that the payment was not late in accordance with the loan transfer law. We have tried to resolve this with each bank but both are claiming there is nothing that can be done. I contacted HUD and opened case # XXXX as they claim that FHA guidelines would not block with Refi under these circumstances. I am not in fear that I am going to lose out on my current locked interest rate with Freedom. Freedom has acknowledged their errors to me as well. I did not ask for my loan to be transferred and now I am being penalized as a result. Not to mention, if loan was processed within the time frame promised, I would be in this situation. I feel some of the practices on both Freedom Mortgage and XXXX Mortgage are unfair and deceptive

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 2015-08-31 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I have XXXX Home Equity Lines of Credit with M & I XXXX Bank. BMO Harris Bank N.A . now claims ownership of these HELOC 's and has attempted several times to coerce me to redo the agreements. They have lied to me, threatened, bullied, misrepresented facts and used predatory practices in attempt to have me redo the HELOC 's. They have finally decided after several threats to " close the file '' to report that I am delinquent on my HELOC 's after paying without a missed or late payment approximately {$120000.00} dollars. After three attempts and different " reasons '' I must redo the HELOC 's, they settled on " your HELOC 's have matured ''. The problem with this and by BMO Harris 's own admission is that the M & I HELOC 's they acquired with the acquisition have no maturity date. They are attempting to scare approximately XXXX customers into redoing their M & I Lines of Credit to improve their bottom line. I believe this is an illegal practice and needs to be addressed properly. Further they are fraudulently reporting XXXX HELOC as a " charge off '' and another as " current ''. This is incorrect reporting to the credit reporting agencies. 
All of this is a result of BMO Harris Bank N.A . claiming ownership of the M & I Lines of Credit, illegally " calling them due '' and then reporting my delinquency to the credit bureaus when it is in fact BMO Harris Bank N.A . that has breached the Home Equity Line of Credit without question. They need to be stopped!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
Fifth Third bank but a hold on funds on my account for two weeks without informing me. IN the terms and condition it does say your funds are subject to a POSSIBLE hold of up to 10 days. I would think that the bank would be courteous enough to inform you if this hold is occurring on your account or not. They are not. They let me attempt to use the card and be forced to contact them to find out what was going on when the account did not work. I was given XXXX answers of why I got a hold by Fifth Third. 1 was that I was a new account and they had to verify the funds and the bank was the only ones who could do it. The second was that the account was overdrawn and that because the I made the deposit through the ATM that the atm automatically held it for XXXX days. The third was that since I deposit the check yesterday but it was dated for today they held it to make sure the funds would post. I left with complete confusion as to why my account was placed on hold. I still did not receive a answer and the staff in the mean time were extremely rude to me. I was hung up on twice and when I specifically requested a letter stating that their decision is preventing me from being able to pay creditors I have and they denied the request. My issues is not the policy my issue is the Bank not informing you when your account it put on hold and when asking not getting one clear answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-20 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Service Bureau
State: AZ

Complaint narrative:
On the day of the medical appointment my spouse and I showed up at the XXXX XXXX and checked in with the insurance/payment person. I stated that my insurance had recently changed and if I was not covered, I did not want to be seen ; rather, I would walk away from incurring the charge because I could not afford it. This was all witnessed by my spouse. The insurance person made some efforts to confirm my coverage and told me that I was certainly covered and there would be no problem with going forward with the visit. Of course, later, the XXXX billing department said I was not covered and demanded {$2500.00} for XXXX visits, all charges worked up for the XXXX XXXX doctor 's visit. I offered to pay the amount of my typical deductible, which was refused as payment. They required me to submit to their disputed bill department, which I did, to no avail. Then they repeatedly called me, threatening to send the bill to collections to ruin my credit rating despite the fraud they committed upon me, again refusing just payment, as they promised to accept at the time the service was performed. And now I receive a collection letter from a law firm telling me to submit the same information all over again if I dispute the outrageous charge. On XXXX treatment visits, I rehearsed I did not want to be seen if I was not covered by insurance. My new insurance flatly refused to pay XXXX charges ( XXXX XXXX XXXX XXXX XXXX Arizona ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, d/b/a XXXX XXXX FTC MATTER/FILE NUMBER : XXXX XXXX CIVIL ACTION NUMBER : XXXX This firm called my elderly mother looking for me, she 's in XXXX, I 'm in XXXX. They tried to have her " identify me '' by telling her my former addresses ( what? ). They told her I need to sign a legal or court document called a " Preliminary Notice of Further Action '' regarding a debt w/in 72 hours. They left a number for me to call back. 
I called it and was told this is XXXX XXXX ; we were hired by someone who is collecting a debt for 5/3Bank. ( I googled XXXX XXXX and found on page XXXX the FTC data ). XXXX said they were calling " to establish my direct refusal to pay ''. I asked him to ID the debt before I refused to pay it, he gave me XXXX digits, I said this does n't help. I asked for the nature of the debt, he said an installment loan. I said I never had an installment loan - I 've had many accounts with 5/3, but most were deposits and my HELOC was repaid 4-5 years ago in full. He said he would recommend that his client file a " Preliminary Notice of Further Action '', then. I asked what that was and said he should hold off and just send me a proof of debt, he refused, and said it would take too long. I told him I pay my debts if I owe them - I then asked him to read the itemization on this account. He said he would email my file to me if I would read it now. I was at work, and told him that 's not a secure way to transmit this info, and again asked him to mail me his records. I asked how else can I determine what the account he has is. I do n't think I finished before he hung up on me. 
I have been called by XXXX-XXXX other collection firms over 3 years about a phantom 5/3 account. I always ask for proof of the debt and an itemization of charges because I do not know of any current 5/3 debt. After that I never hear back from that collector. 
My poor Mom is freaked out, she wants to know if I need money or if I 'm in trouble, she 's unnecessarily worried. I 'm fine, healthy, well employed and do not need her help. 
This XXXX! I need your help!!. 
I called 5/3 and was told they have no active accounts of mine, but they might have sold some debt, or maybe not. I asked what debt and was told " maybe not ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, Va XXXX Loan Number XXXX Refinance XX/XX/XXXX Closed XX/XX/XXXX During an audit of my closing documents I found that prior to refinancing the MIP was {$61.00} ( closing XX/XX/XXXX ). After refinancing ( XX/XX/XXXX ) my MIP more than doubled to XXXX per month for 10 years. This is a substantial increase and I should have been informed in writing prior to closing. 
Due to failure to disclose XXXX x XXXX =XXXX x 10 years = XXXX as opposed to XXXX xXXXX = XXXX x 10 years =XXXX. 
Therefore due to failure to fully disclose the cost of the refinance and predatory lending, in addition to misleading advertising I am requesting the return of XXXX MIP overpayment. 
XXXX x XXXX=XXXX x 4 years ( XX/XX/XXXX-XX/XX/XXXX=4 ) = {$3000.00} plus any fees. And a reduction of MIP to its previous rate. 
Please let me know when I will be receiving a check. Please see attached documents. I was told there would not be any new charges. 
When I inquired about the deficiency, I received in the mail what I consider a threatening letter from your XXXX Office which basically stated I should be grateful. 
When I tried to ask customer service about the amount of the MIP they whined and said they did not know. 
I refinanced from 6 % to 3.75 % and expected to see a 2.25 % ( {$290.00} ) decrease in my monthly mortgage payment. Instead I received only {$100.00} decrease. When I asked what my new monthly mortgage would be I got the run around and in addition I was told the loan would take 30 days - the loan took six months to close from XX/XX/XXXX to XX/XX/XXXX. I said to my self they are trying to figure out a way to defraud and you did.

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 2016-05-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: MCMC Auto LTD
State: TX

Complaint narrative:
Voluntary Surrender, of vehicle. Had baby could n't pay for vehicle anymore. Was n't working.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-04 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Account Recovery Services, Inc.
State: AZ

Complaint narrative:
I recived XXXX separate collection agency letters from the same company regarding the same account with XXXX separate balances. I feel this is a thwarted attempt by a company to collect multiple times on the same account for a debt that was written off in which I requested validation of the debt from the original creditor as well as an agreement with my signature binding me to the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation