vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-24 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MN

Complaint narrative:
I was told there was an issue with my account, then I am told to visit the branch, I had visited the branch and the banker there gave me the number to the fraud department. The fraud department told me to go to the branch. So I am done with dance. I would like my account closed now and my funds mailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XXXX I went on line to check my bank accounts with 5/3 bank and observed an electronic check withdrawal from my savings account that I had not authorized. I immediately called to report the fraudulent activity with customer service and was told to go in person to file a domestic collections package. The same morning I went to the branch and closed all accounts, issued new account numbers and changed passwords, etc. ALso filed a police report. Was advised the process could take XXXX days to resolce. I have dutifully called the bank and receive the same response, the other bank ( XXXX XXXX ) is still investigating. I feel helpless and XXXX days later, still no money. I do not know the person who made the electronic withdrawal nor do I have any affiliation with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: SC

Complaint narrative:
I have asked Vanderbelt mortgage company to assist me in a hardship since mine and my husband 's health has deteriorated in the past year we can not pay our mortgage in full. I have submitted hardship paperwork showing that I need help in refinancing our loan with a lower rate this bank is taking almost 11 % due to our credit being poor. They refused to help us. We have searched other banks and because our credit is not perfect no one will help us. Me and my husband are XXXX my husband is retired military XXXX and I have had XXXX due to a severe accident. We have XXXX children and are afraid of losing our home. With all these new government programs out there that are supposed to help with lowering your interest-rate no one can seem to help us because of our credit. If Our credit was perfect we would not need the help ... these programs should be designed to help people with poor credit. We have had our home for a year now and Vanderbilt Mortgage Who works with home first Who works with home first House insurance has raised our payment twice in one year by almost {$400.00}. Please we need some help in refinancing to a lower rate in fear of losing our home and this bank is ripping XXXX people off. This bank in particular is the only one that takes people with poor credit and charges a high interest-rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
Back in XXXX 2016, we sent a request to Freedom Mortgage for a short sale on XXXX XXXX 's loan. We had trouble with the Servicer getting the Foreclosure postponed. I reached out to XXXX XXXX 's VA Rep for assistance. He has been very valuable in getting communication from Freedom regarding this file. Freedom is now telling us that they will not proceed with a short sale unless they have a purchase price of {$180000.00} which is the XXXX determined by the Appraisal. The Manager that I spoke with this morning named XXXX said that this is VA requiring the purchase price of {$180000.00}. So once again I reached out to our VA Rep and this is what he told me : " Good Afternoon, The net proceeds that need to go back to mortgage company at time of short sale closing is {$150000.00}, not {$180000.00}. If the loan is delinquent, which it is, the servicer will contract-out for property maintenance. These are fees that can be claimed with VA by the mortgage company if the loan is not paid in full ( which this is the case because this is a short sale situation ). Please let me know if you have any other questions. XXXX XXXX. '' this was my response : XXXX, The net amount going to the Servicer is over the {$150000.00}. If you look at the XXXX attached XXXX the payoff to Freedom is {$160000.00}. 
They will proceed unless we have a purchase price of {$180000.00}, which puts the payoff to the servicer of {$160000.00} XXXX cd attached.Is there anything that you can do to help? '' It appears that Freedom is doing a big disservice to XXXX XXXX 's loan and trying to obtain a higher payoff in a short sale. This appears to be fraud if the VA is requiring a lower amount than the servicer.

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 2016-03-07 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Midland Funding c/o XXXX XXXX XXXX has actioned in District ct of XXXX, MI civil collection of a debt they have from the date of XXXX 2015 refused to validate under federal law. This company has acted capriciously to collect on a debt not owed and/or validated to be owed and too refused to validate they have right to recovery of debt for third party by being purchaser of the debt by proof of a valid contract of the debt purchase. These actions also violated the consent agreement XXXX XXXX. XXXX -CFPB XXXX by CFPB administrative adjudication

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-03 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Global Trust Management LLC
State: TX

Complaint narrative:
On three occasions the debt collection agency, Global Trust Management, hired by XXXX has contacted me at work after verbally asking them to not call me at work because my employer does n't allow it. The last call I received was on XXXX XXXX at XXXX and twice in XXXX. 
I feel they have violated the Fair Debt Collection Act when calling my place of work three times when asked constantly not to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
We have been customers of Chase bank for many years. Last week our debit cards stopped working so we went to the bank to get new ones, only to find out that chase had locked us out of our accounts and was severing their relationship with us. We tried to find out why but no one would tell us, stating only that it is the bank 's choice and they do not have to let us know except through the mail. ( as of one week and two days later we still have not received the letter ) We spent XXXX3 hours trying to find out what was happening but was never given the full answer. We finally were able to talk with someone in XXXX XXXX 's office ( supposedly ) and he was not much help either, although he did let it out which account was the problem. The account in question then turned out to be my XXXX XXXX XXXX daughter 's account. I informed him of that but he stated it did not matter that because I signed for her at the age of XXXX I 'm still responsible. When I questioned him about how they close accounts and do the things they were doing, he said you signed the paper ( not an exact quote but very close ). When I informed him that no one ever told us that the bank could do this he stated " we never disclose that ''. Upon hearing that I informed him that I was a realtor and we can be held liable for not disclosing even minor details in a contract. He again stated that they do not disclose these things. I 'm not sure how they can get by without some sort of full disclosure but this seems to be the case. Because of this we have checks that have been returned even though there was enough money in our account to cover them. 

Things we have found out on our own with no help from chase, is that my daughter made a huge mistake by giving her account info to a so-called employer and they ended up conning her out of several thousand dollars. Because of this they with no warning took our money and closed the accounts. When we contacted the bank to let them know it was fraud they were not willing to help. My daughter offered to pay back the amount she had been taken for in installments but basically they said no and we had to pay it now or they were " turning it over ''. 

We could use some help getting this giant company to be fair. They should not be allowed to get away with not having to disclose such relevant and important information and then to have the audacity to say " we do n't disclose that information '' is at the very least unethical and should not be allowed. Add to it their unwillingness to give any information or even the decency to let us know that they were even going to do such things is just wrong. Any help you could offer would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
Freedom Home mortgage acquired our loan from XXXX XXXX company beginning this month. My husband, XXXX XXXX, is listed on the mortgage with me. When I contacted the office as they state they are unable to locate my insurance information, I was advised they do not have me listed as a borrower and will not speak with me. Advised that I have the loan paperwork showing otherwise and they should produce the original documents which they were unable to do so. They now are not paying the loan insurance that is due to our insurance carrier from our escrow account. 
Now they are informing me that they are not listing me as a borrower on the account regardless. Please help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
We had what was supposed to be a fixed 30-yr. FHA loan. However, XXXX Mortgage has consistently raised our monthly payments - most recently from {$1200.00} per month raised to {$1500.00} per month. They claimed that this was due to them not collecting enough from us for our escrow. I see that most recently, part of that is for a " PMI/FHA Ins. Distribution. " Raising a mortgage payment {$300.00} per month is too much to handle and not reasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
In XXXX, I applied for a Home Equity Loan through BMO Harris. At the start of the process I was told it would take four weeks and close on XXXX XXXX, 2015. Then I was told due to the CFPB guidelines that it would be closed before XXXX XXXX ( " Unfortunately, it is a little frustrating for customers and myself, because the process is taking a little longer than normal due to new CFPB regulations ( Consumer Financial Protection Bureau ). I apologize for the length of time it has taken to process the loan '' ). The loan was not cleared to close until XXXX XXXX, at which I signed the documents. It is now XXXX XXXX and the funds have still not been released. I have spoke with BMO and have been told that the CFPB allows them to begin processing the loan and releasing the funds after 4 business days from the signing of the loan documents. Now where is this stated on the CFPB 's website. I would like a clear understanding and thorough investigation into the practices of BMO Harris.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Armed Forces Loans of Nevada Inc.
State: FL

Complaint narrative:
I originally took out a loan with Armed Forces Loan and hit a rough patch and was unable to make payments. I contacted the company and made arrangements for a ONE TIME {$300.00} payment in XXXX and I told them I would contact them again the following month to arrange another payment. In XXXX I was unable to make a payment and in XXXX I noticed an unauthorized transaction from AFL on my bank account. I contacted my bank to reverse the charge and then contacted my legal office at my XXXX. I was advised to take legal action due to me not authorizing the transaction. I contacted AFL and made them aware of what they would possibly be facing and they quickly reversed the charge. Since XXXX up until now I have been making making payments of {$190.00} towards my outstanding loan but AFL again refuses to do their part. They are still reporting my payments as late monthly even though I have n't been late since last year. My payment of {$300.00} is n't reported on my credit report. I will be moving forward with legal action because I 've been burned by this company many times. They take advantage of customers & do n't execute proper reporting to credit bureaus. I have statements of payment included in this complaint as we as an email stating my most recent balance which is reported incorrectly as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Business and Consumer Solutions.
State: FL

Complaint narrative:
There is a Debt Collection Agency based in XXXX, Florida. They know how to rotate their number, so the recipient like me does not recognize it is the same agency. The number rotates from XXXX ( appears XXXX ), XXXX, XXXX, XXXX, XXXX, then again XXXX, XXXX. Calling me almost daily since they just started this on XXXX/XXXX/15 during my working hours or XXXX the same day. They Claim I owe a debt with XXXX of a Card I used to own known as XXXX. Believe this is an old debt back when I was in my early XXXX, which I 'm now XXXX old. Please, please need your help to stop harrassing these calls as I know these types of agents with debt agencies get paid commission to successfully sell on a debt to be paid. My Debt is beyond the Statute of Limitations in the XXXX Florida Area. This company is based out in XXXX. Please keep me updated and desperately need your help to stop the Harassments. Thank You.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: IA

Complaint narrative:
Hello. 
I recently contacted my mortgage company - Freedom Mortgage - regarding requesting removal of PMI from my mortgage. In the letter XXXX SEE ATTACHMENT ), I advised that my current outstanding principal on my loan is {$210000.00} ( As of XX/XX/XXXX, the loan balance is : {$210000.00} ) ( SEE ATTACHMENT ), and that the 2016 value of my residence, as determined by XXXX office, and that which I pay taxes on, is {$270000.00} ( SEE ATTACHMENT ). I provided the attachments as proof. I showed that {$270000.00} x 80 % = {$220000.00}, and therefore I had over XXXX % equity in my home, based upon the loan to value ratio of the home. {$220000.00} ( 80 % ) & gt ; {$210000.00} XXXX Amount owed on my mortgage ). The figure was based fully upon assessor appraisals and includes XXXX done to the home. 
I received a letter ( SEE ATTACHMENT ) back from Freedom Mortgage that advised that if the home loan was between XXXX and XXXX years, which mine is, I had to have a Loan-to-Current-Value ratio of 75 %. I am not a high risk lender, and I have never missed or been late on a payment on my mortgage. I even pay early and every XXXX weeks. I am also just over 3 years into my current mortgage. 
I do n't know why they are telling me I need XXXX % home to value ratio, when everything says I can request cancellation at XXXX %? I feel as if I am being taken advantage of by Freedom Mortgage. In addition, Freedom Mortgage indicated they only accept appraisals from one vendor - XXXX. I do n't understand how the mortgage company 's XXXX vendor can be unbiased when conducting an appraisal? 
Thank you for your time.

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 2015-09-19 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have sent XXXX faxes and XXXX letter to Fifth Third bank ( XXXX ) requesting that they close my saving account and send the remainder of my funds in a check to my address. I am ill and I simply do n't have the energy to go back to the bank branch which is XXXX miles from where I live. I would have to take a bus, train and a shuttle to go back to the branch and round trip the travel would take 8 hours. Despite explaining this and asking several times that they close my account, the savings account remains open.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-25 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
on XXXX XXXX, 2015 there was an ACH transaction withdrawal from my account without my permission for {$750.00} to a company bamed XXXX. this ACH transaction caused my business account to go into a negative balance. when I noticed the transaction on XXXX XXXX, 2015 I immediately called my bank and spoke to the claims department. I explain the situation that this was a fraudulent activity that I have no knowledge or no relations to XXXX or the bank that was involved as well named fifth third Bank in Michigan. XXXX XXXX filed the claim XXXX XXXX filed the claims for me and told me I would receive a refund in 12 hours or up to 1 to 2 business days. When I followed up on XXXX XXXX, 2015 with XXXX who holds my business account at approximately XXXX XXXX I was told that my claim was denied because I needed to make a claim within 24 hours of the transaction. before finding out that my claim was denied I have been going back-and-forth with the XXXX the claim department and the claim department from fifth third Bank. From here I was able to claim the company ID and the trace number in regards to this transaction. after finding out that my claim was denied I had spoke to my branch manager at XXXX to have a representative called the claim department in regards to the situation. I was able to retrieve my contract that I had signed with the business account. On Monday, XXXX XXXX, 2015 I have to call the XXXX claim department and they will be contacting fifth third bank with me on the line in regards to this transaction. I have filed a claim two times more after the my claim was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I believe my lender BMO Harris has incorrectly added excessive reserves to my escrow account and refuses to refund the excess stating the formula used to determine how much they can maintain over and above the amount required to pay property taxes is correct. 
I have contacted the their escrow department regarding this and they stated they are correct and within regulations, I however disagree.

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 2015-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I receive at a minimum XXXX phone calls a day from them. They never leave a message.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-07 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have tried for the past 6 months to get XXXX bank to rectify a mistake they made to ch to chex systems. to the date of this correspondent this has n't happened. I have provided documentation to them, with them coming back and sayin that this this inforaation is accurate. Im exhausted with all the going back and forth with them not being held accountable

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XXXX/XXXX/2015, I closed my bank account in person at the XXXX, IL location for Fifth Third Bank. 5/3 re-opened this account and proceeded to charge me upwards of {$900.00} in NSF fees, although I had closed the account in person. Any transactions that had come through were unauthorized and/or fraud. 5/3 failed to notify me by letter, phone call, or provided me with any statements indicating the account was overdrawn. In fact, they had blocked my online banking user id, so I was never even able to look at the account again after it was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: KY

Complaint narrative:
cin.bell refused to honor my promotional fee when I moved from my house. I was being charged more than i was before. I tried calling to have this fixed and even filed XXXX complaints with the XXXX. This is not the XXXX time this has happened. the last time I had their service I had to file with the XXXX and that time it was corrected. I continued to pay what i was told while working to get the situation fixed. At that time they were charging me late fees and a higher bill. I had the service shut off in XXXX and returned all equipment. They continued to charge me for another 6 months which i did get fixed and was told I would get the final bill in XX/XX/XXXX Didnt get it till XX/XX/XXXX.and was working on deputing the charges again but now Its on my credit report.They are charging me for a cable they said I did not return which I did. I dont owe this amount they are trying tocollect. I have proof with my billing statements and checks that the billing was inconsistant to what I was told.

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