vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Hello, we are working on a short sale where the servicer has made multiple errors and they are refusing to correct the issues and have taken a hard line approach since we brought up the concerns. They are pursuing a foreclosure and a short sale at the same time. 
The mtg was taken out in a trust yet in their system, and on letters sent out they show a different, incorrect mortgagor. 
They required financials from the incorrect mortgagor The XXXX approval letter they issued required no repayment but the new XXXX that was issued a few months later now require repayment of most of the balance, none of this was discussed before they issued the approval letter. When we brought up the concerns about the trust and incorrect names Fifth Third acknowledged this was an error but said " they are not going to waste their time correcting this issue unless the sellers agree to the repayment. '' After we addressed our concerns, fifth third also said our only options were to have a new agreement signed saying that the incorrect mortgagors would accept personal responsibility for the repayment and the trust would not be responsible. XXXX, the negotiator at fifth third refused to correct the errors or address our concerns further with their attorney. Her exacts word were '' if the sellers do not agree to the repayment, we will close the file ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
I get a call at different times but every single day from a robot identifying itself as Diversified Adjustment Services ( XXXX ). this has been going on weeks now. It does n't respond to any button presses if i answer. When I do n't answer, these calls fill up my voicemail. I do n't carry a single debt and need these annoying interruptive calls to stop!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-09-09 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I signed up for an account with 5/3 after they advertised a promotion to giveyou {$53.00} for free if you signed up when they first opened. They gave me anadditional {$53.00} for shredding my other bank 's ATM card in front of them. I wasrequired to deposit {$50.00} in the account to open it. In 2012, they closed mychecking account without my knowledge and without notification. Apparently, they have been deducting money from my savings account since 2012 forinactivity on the account. I received a notice a few weeks ago that it was the '' final notice '' even though it was the first I received, that my account wasactually in a NEGATIVE status and they were going to send me to collections. 
They have taken all of my {$150.00} and actually taken it to a negative balancewithout giving me any notifications along the way. I never received anythingstating that money was being deducted from my account. I called the branchmanager and was told I can only dispute transactions 60 days old or less, andthat the only thing she could do for me was refund me {$11.00} and close theaccount. I offered a resolution to the company to refund me the {$50.00} I openedthe account with and they could keep the more than XXXX of the money they havetaken from me. I was told by XXXX XXXX, office of the president, thatthey would do nothing more than the {$11.00} they refunded. She did n't care thatI told her I would pursue this, and found that it would be worth the {$39.00} Ioffered as a resolution to fight it. 
They maintain that because there was not a checking account, the drafts werevalid. However, THEY CLOSED THE CHECKING ACCOUNT, not me, and they did sowithout notice and without sending me any notifications ( even annual orquarterly ). 
As I am now having to take this beyond the better business bureau, I would likemy entire {$150.00} back that they deducted from my account. 

Fifth Third will respond to this with statements showing the deductions taking place. The question to ask, however, is when were these sent to me? They were not sent to me, neither annually, nor even quarterly. They maintain that it was my job to log in online and notice them taking money from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Back in XXXX I stayed with the XXXX Hotel in XXXX, Az for XXXX nights. XXXX of the nights was paid for with my debit card and the other XXXX nights I paid cash which was {$340.00}. I did not pay cash until I checked out of the hotel so my debit card was pending authorization for my stay. After waiting a few days for the money to go back on my debit card it was to my surprise that the hotel was still authorizing my debit card after I was no longer staying there. I realized this when I had tried to make an ATM cash withdraw and my debit card was declined. I immediately got online to see what was going on and at this point I went straight to the hotel to inform them and to get my money back. After an hour in a half standing at the front desk of the hotel XXXX of the employees and the manager released my funds. It took XXXX days for the money to go back into my bank account and once it did it was immediately taken out. I called customer service with my bank and was wanting to put a block on my debit card for the XXXX Hotel, but per BMO Harris I was advised to close my debit card which is exactly what I did. XXXX days after closing my debit card and already having a new debit card and using it my bank account went into the negative for over {$1100.00} and it was because my bank authorized the charge with the XXXX Hotel. This time I immediately went into my bank to handle this. Not only was the banker at the branch not understanding why this had happened, but the XXXX people he had spoken to on the phone were also baffled with what had happened. I ended up filing a dispute which I was complaining about having to do since this was clearly something that was XXXX 's problem, but I filed the dispute anyways. Within XXXX days my account was back in positive standings and that was that. XXXX months later my account is back in the negative due to XXXX denying my claim which is why I am filing this complaint today. I have spent hours on the phone with BMO and I can never speak to anyone who works directly with the claims department. Instead, I am always having to speak with a CSR who has me on hold for XXXX minutes so they can read the notes and then on hold again so they can speak with someone directly in the claims department and the conversation ends up being me on hold while they talk and come back to tell me what they said. Last week after XXXX XXXX hour phone calls and still my bank account is in the negative I feel as if I have no other choice than this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I applied for a home mortgage loan with BMO Harris Bank N.A . I chose this financial institution because they are listed as XXXX of the few authorized lenders for the 1st Home Illinois program offered through XXXX I am a XXXX XXXX XXXX XXXX XXXX male. I have a XXXX credit score, a 0 % debt to income ration, and am on a fixed income through social security. I was pre-approved in XXXX. I have had no change to my income, credit score or debt ratio from the time I was originally pre-approved. In XXXX 2016 BMO Harris requested that I pay a {$490.00} dollar application fee. After I paid the fee they completed the appraisal on the property I have a contract on. The appraisal came back within range of market value and requested price. I meet all the requirements for the 1st Home Illinois program ) I was told this by the lender and instructed to complete the homebuyer counseling course and obtain a certificate. I received an email on XXXX XXXX stating my loan application was denied due to " Limited credit experience and Value or Type of Collateral not Sufficient. In figuring a credit score the credit bureau 's figure length of credit history, debt ... etc in figuring a score, which is in turn used as a basis to offer credit. If I meet the credit bureaus standards to have a XXXX, why am I subjected to additional credit scrutiny by the lender. Secondly if the Federal Trade Commission considers social security a reliable source then why is this not the case with the lender. The XXXX states I may not be discriminated against due to age, however I feel it is the basis for my denial. After all, how could I initially be pre-approved based on credit and income and then denied based on the same criteria which has not changed at all. In fact my current rent of {$630.00} is actually higher than what my mortgage would be, which is estimated at {$430.00}. The XXXX states credit should be made available to creditworthy applicants without regard to color, religion, sex or age. My XXXX makes me creditworthy!

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 2016-12-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
On XXXX XXXX XXXX I received a letter from my then mortgage company XXXX XXXX XXXX saying as XX/XX/XXXX they will no lnoger be my mortgage servicer that they had sold it in XX/XX/XXXX to Carrington Mortgage Services and as of XX/XX/XXXX all payments should be sent to them. I still have not received a letter or any type of communication from Carrington to let me know they have aquired my mortgage. When I call them the representative told me it could 60 days or longer before we even get assigned a account number and receive any sort of communication from them. The Representative further stated that Carrington had purchased XXXX mortgages from XXXX in this transaction and that the previous month they had purchased XXXX from XXXX and that they where over whelmed and backed up on the transfer of all these mortgages. Carrington is in violation of the law for not even sending me a letter to inform me they had aquired the mortgage and it is well appereant that they can not handle such large purchases of XXXX mortgages in 2 months. The law very clearly states that when mortgages are sold from servicer to another it must not be in anyw ay a burden or problem for the consumer. It is not my fault or problem if Carrington has purchased more mortgages then can possibly handle in any good way for the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: Pending Company Match
State: TX

Complaint narrative:
Put money on card and now the card is not working and I am out of town

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX is listed on my credit report as a collections account. The account needs to be deleted from my credit report immediately. XXXX is flagrantly listing wrong information on my credit report that does not include any payments made, nor the correct balance, nor any dates of payments. The information that is listed by XXXX on my Credit report is wrong. The accounts need to be deleted from my credit report as they contain wrong information in flagrant violation of the Fair Credit Reporting Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
They credit bureaus refusing to send me a free copy of my credit report and score which I 'm untitled to under the fair reporting act the reason why is because they have insufficient information on my credit report that they do not want me to see or dispute as ruining my life liberty and freedom it 's affecting me.and causing me hardship

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I rented a car and after returning the vehicle the rental car company made unauthorized charges to my account by stating the car was damaged.The amount of damages was highly inflated XXXX and they could not provide proof that I caused the damage or that the repairs were actually made.I notified my bank about this unauthorized charge that not only wiped out any funds I had in the account but was also hit with Overdraft fees.The bank states since I gave the car rental company my card information they could do nothing for me and also refused to reverse/cancel the Overdraft fees stating it was my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIRSTBANK
State: OK

Complaint narrative:
To Whom it may concern, On XXXX XXXX 2016 I went into my First Bank to see if my money was pending, like I always do. Yes, it was pending, I waited till the first when the funds would be available, to pay my bills like always. The money was there like my ex husband and I agreed upon, for the child support. I paid my bills, on the XXXX of XXXX, I was sitting in the parking lot of the library with my daughter, looked at my gas tank ( which was on E ) checked my bank account. ( It was XXXX XXXX on a Friday at XXXX. ) I looked at my bank account on my phone, the amount was XXXX as I sat there starching my head, I said to my self, " This has to be wrong! '' I logged out, logged back in again and said the same thing!! I called the bank, the representative checked all my information, kinda sounding nervous, put me on hold and got back to me, saying, " That he, ( my ex-husband, who is NOT affiliated with First Bank in anyway shape or form ) went into my account and said, " There is a check in my name go9ing into her account and I want it back! '' And the bank gave it back to him!! I feel sooo invaded, First bank did n't call me to even let me know that this happened, just let him go into my out personal account and let him take away all of my child support money and our children 's XXXX money. I was unable to pay my bills, I had to ask XXXX XXXX, to help us keep the utilities on. I was unable to pay my mortgage, again for the second time!! The First Bank manager wanted to see a copy of my divorce decree, which I brought over to them on the next day Saturday the XXXX. How can this happen? I have been doing this transaction of {$2100.00} for months, with this bank. I spoke with the vice president of the First Bank, and basically that conversation went no where. How can this happen, how can alll of these people get away with taking my children 's child support away from them?!?. 
Police report # XXXX call XXXX for the police reports there are 9 of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
Debt collector robo calls phone after XXXX. Person they are calling for does not live at residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.

Complaint narrative:
I send money to my personal bank of communication account, XXXX, and you send a email shows that was successful, and I will got it at XX/XX/XXXX, but until now I did n't got it.and I also checked my citiprepaid account, this money also did n't return back, so where is 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 2017-04-10 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
This fraudulent account. Someone open account XXXX card.It was remove credit reports now capital one sold the account its back on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Marlette Funding, LLC
State: CO

Complaint narrative:
Marlette Funding , LLC showed up on my XXXX credit report as requesting credit information XX/XX/2015. I have never done business with this company so I do not think they should have requested access. 

XXXX XXXX, DE XXXX XXXX

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 2017-04-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
This file was cleared in a bankruptcy and it is still showing as a judgment with an open balance

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 2017-04-10 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Thank you for taking the time to review my file and to help me with this matter of dealing with Midland Credit Management. To date, XXXX has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. As of this year XXXX has had to pay close to one million dollars in fines and penalties due to their unlawful business procedures which violate the consumer 's rights. Their illegal actions have caused thousands upon thousands of consumer 's credit files to be tainted with negative remarks which includes myself. Please remove Midland Credit Management from my file so that I can restore my credit and good name back to where it once was. I thank you one again for your time and I look forward to having Midland Credit Management removed from my credit file. 

I have made 2 payments to Midland Credit management in an attempt to settle my debt after negotiating a lesser amount. They told me that the payment plan was voided due to non-payment. I can provide documentation showing that the charges removed from my bank account. I was then told that I could re-negotiate for a larger amount the initially agreed upon. 

After I told them I could prove that the payments were made, they changed the excuse and told me that I made a call on XXXX/XXXX/2017 requesting to void my contract. I asked them to review the recorded call and they would not. I ask the account manager to go back and listen to the call, as I never requested to void my current agreement. 

The company is now claiming I must pay off the debt in full, and have re-opened the closed account as a line of credit in my name. 

After doing a deal of research I have found this company to have committed unlawful acts against hundreds of other US citizens. The company has violated the Telephone Consumer Protection Act ( TCPA ) by using an automatic telephone dialing system to place repeated debt collection calls to cell phones without prior consent. 

Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: La Casa Bonita Investments
State: PA

Complaint narrative:
XXXX   XXXX   XXXX   is trying to get my money upfront for {$590.00} with a scam!

Company response to consumer: Closed with explanation