vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Freedom Mortgage Company
State: OK

Complaint narrative:
In XXXX XXXX we purchased a modular home on XXXX acres address XXXX XXXX XXXX XXXX XXXX ok XXXX. XXXX Mortgage was lien holder of this property. when loan was paid we never received a lien release and did not realize this till we sold our home and went to close on XXXX XXXX, XXXX that their ( XXXX/Freedom ) name was never taken of title. XXXX is now/Freedom Mortgage ( the Lien was in XXXX and XXXX XXXX name ) I have been in contact with them multiple times and just last week they finally sent me to a place called XXXX they said give them 5 working days today is the fifth day and no response I have submitted paper work to them showing where the loan was paid and as of today have not gotten a lien release. I am not sure how long my buyers will wait.

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 2016-09-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Genesis Lending
State: WA

Complaint narrative:
I was enrolled at XXXX XXXX college in 2011 for XXXX. I took out a private loan with genesis and want to know if my loan was covered by the settlement that was reached that would force genesis to repay the loans?

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I made an EFT payment to XXXX XXXX servicing center for my XX/XX/XXXX Mortgage payment. They are a payment center for Freedom Mortgage. Freedom Mortgage says they did not get my payment and have called me every day. Every day I tell them it was sent and to please research. They say XXXX XXXX XXXX no longer services Freedom Mortgage and I am now past due. They have charged me a late fee and I do n't know what to do. they have been extremely unhelpful and continue to harass me for a payment I already made. I told them that if loan processing service no longer provides the service, they should have returned my money, but freedom refuses to help solve this mess.

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 2016-11-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: IA

Complaint narrative:
I have a FHA loan through Freedom Mortgage. 
XXXX XXXX Cooperate office is XXXX XXXX XXXX XXXX, XXXX XXXX The office I am dealing with : Freedom Mortgage XXXX XXXX XXXX XXXX, XXXX XXXX Work : XXXX ext. XXXX Fax : XXXX Freedom Mortgage is hounding me on my F.H.A. loan. 
Starting XX/XX/XXXX the letters and phone calls became two and three times a week to refinance. 
XXXX of XXXX was a particularly pushy call ; I went around with this man explaining to him that XX/XX/XXXX the PMI would drop off my loan as I fell under the lock time for a permanent payment of the PMI. 
Since this call the letters and calls have changed and it seems the worth of my home has changed and then my monthly payments are not showing up ( Since XX/XX/XXXX I have had no problems ). 
This has all exacerbated to the point and many arguments and hours on the phone with them, the last call was quite interesting as I was informed that XXXX XXXX was my mortgage provider not Freedom Mortgage, they finally admitted that XXXX XXXX was their XXXX. I was also informed that the reason I will never be able to drop the PMI was there was no appraisal on my property! 
When freedom Mortgage took over my FHA loan the program they used was if the last appraisal was within 2 years they would sue that one which is for XXXX. They are using my original loan amount OF XXXX. 
Freedom is trying to defraud me with forcing late payments, no appraisal, and Enormous escrow " adjustments ''! 
They agreed to send me the recordings and the paper work that they are using to compare the paper work That I have so I started recording the conversations, this has been nothing but a XXXX Situation as I have been a homeowner since XX/XX/XXXX and have never missed nor been late on my house payments. 
Would you please look into this for me?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Creditors Service Bureau Inc
State: FL

Complaint narrative:
I currently have an complaint pending against the company. As stated in my intial complaint. This account settled by my health insurance and i have been writing to each of the credit bureaus about this account since XX/XX/XXXX. I had Insurance! I was covered by my parents policy XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and have held XXXX insurance of which I was covered under up until I was XXXX yrs of age ( XX/XX/XXXX ). I acquired my own insurance in XX/XX/XXXX when i turned XXXX yrs of age.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX i purchased my house for {$820000.00} ( firs time home owner ) and later on i found out that is only worth a lot less than XXXX I want some one to investgate this as is very unfair that i have a loan for over {$800000.00} .. I have attached an appraisal document stating the value of the house a year ago ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
I applied for a Fifth Third Essential Checking account online on XXXX/XXXX/2016. My application was approved online and funded on that day. I opened the account because of the sign-up bonus for {$200.00}, which would be deposited after 90 days after completing the following : Qualifying activity includes XXXX online bill payments using Fifth Third Bank 's online bill payment service AND direct deposit. The monthly maintenance fee would be waived for the account if Maintain a combined monthly average balance of {$1500.00} across your deposit and investment accounts. I funded the account to maintain the {$1500.00} balance, but was charged the monthly maintenance fee each month. When I called Fifth Third to have the fees reversed, they reversed one month. When I called customer service again to check on the status of my bonus, after the 90 days have passed and I have completed the bonus terms, they stated that I did not open an Essential Checking account, but a Basic Checking account, which is not eligible for the bonus. I also inquired to have another month 's maintenance fee reversed and they stated that the Basic Checking account can not have the fees waived. I asked why I was placed into the Basic account when I applied for the Essential and they could not provide me with an answer. When I requested to have the account closed and transferred into the Essential Checking, they stated this account can not be closed until a year has passed. 

I contacted the local branch and spoke with XXXX XXXX and explained what had happened. He stated that he would reverse the monthly maintenance charges that were not reversed and close the Basic Checking account and transfer my funds into the Essential Checking account. He opened the Essential Checking account on XXXX/XXXX/16 and kept the Basic Checking account open until I received my debit card. I called XXXX again on XXXX/XXXX/16 stating that I have not received my debit card and to confirm the mailing address. Once confirmed, he said he would mail the card out again. On XXXX/XXXX/16, I emailed XXXX stating that I still have not received my card and would like my account closed and all maintenance fees refunded. In his response, he stated that two months were previously refunded and he would close my account. 

In the Basic Checking, I received 5 monthly maintance charges at {$8.00} each. There was a reversal of {$7.00} and {$8.00}. I was placed into the Basic Checking account without my knowledge or consent. I believe this is a deceptive practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-19 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: National Check Resolution Inc.
State: CT

Complaint narrative:
I have an outstanding payday loan XXXX XXXX store and had issues with payment due to identity theft. I received a call from a collector threatening to come to my house and job. He left a number but no name. I called the number given and it is National Check Resolution who was helpful but stating that it is an outside agency is the one that contacts debtors and that " they should not threaten but they do what it takes to get deadbeats to call - it worked right. '' I acknowledge that I owe the debt but being belittled, embarrassed and harassed is not right. This gentleman from the outside agency called me today XXXX XXXX every XXXX minutes to my cell as a private number and left the message about XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 2016-05-19 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
my bank account with 53rd bank, routing number XXXX and account number ending in XXXX was given an overdraft coverage for my withdrawals with a per-overdraft-item charge of {$37.00}. This coverage l have had since l opened the account with the bank for almost if not over XXXX years ago. Suddenly the bank cancelled this coverage without given me a proper notice so that they can return any over-drafting-item and still charge me {$37.00}. Please l need to know how legal this is and would like to know how l can get all my money in these charges back? I will provide all relevant information necessary for this investigation if need be

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: OK

Complaint narrative:
Freedom mortgage issued me an escrow surplus check on XXXX XXXX 2016. Immediately after receiving this check my insurance agent called and informed me that my homeowners insurance had not been paid. I called Freedom Mortgage with my insurance agent on the line and requested a check be sent overnight. The Freedom Mortgage agent said that it would be overnighted. Several days later my insurance agent called me and informed me that a check still had not been received and that my insurance policy was close to termination. I called Freedom Mortgage back and an associate in the insurance department told me that indeed the request for payment had been denied from Freedom. So she said she would put in another request and this one should go through since the last one was denied. I called Freedom Mortgage the very next day and once again another associate in the insurance department told me that the request had been denied. At this point I asked to speak with a supervisor and I was told that a supervisor was not available. So I hung up and immediately called their customer service department. I told them about my problems and that I had requested to speak with a supervisor buy was told they were unavailable. The customer service associate put me on hold and called over to the insurance department and requested to speak with a supervisor. After thirty minuets of holding, I was connected with yet another insurance department associate who told me a supervisor was unavailable at the moment but that she would try to resolve my issue. After around thirty more minutes talking with that associated I once again asked to be connected to a supervisor and was put on another five minute hold. I was finally connected with a supervisor who said he would request that a payment be sent out to my insurance company. How am I supposed to trust that this payment request wo n't be denied like all the rest of them? So my complaint is : I 've talked to around five to six different people over the last two weeks about my problem. I have had three different requests for payment of my homeowner 's insurance that have all been denied and all anyone can tell me is sorry for the inconvenience. This company has put my home, me and my family at risk and this is unacceptable. An inconvenience would have been the first time I called at this point we are at a severe problem. My homeowner 's insurance is at the point of being terminated because of the negligence of Freedom Mortgage Company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
On XXXX XXXX 2015 I made mortgage payment to freedom mortgage on the internet. payment is due on the XXXX every month. On XXXX XXXX 2015 I received a call from freedom mortgage that my payment was late. I explained that I had received a conformation number how could it be late? I was told that did n't matter the payment was late. I had to pay late fees and phone assistant fees ( a total of {$40.00} plus the normal mortgage ) Since that payment my mortgage has been marked as received late for the past 4 months although I mail my payment on the XXXX of the month XXXX. I called and asked a service rep how my payments were late and was told that the mail takes XXXX 10 day for them to receive it.

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 2016-08-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Avant Credit Corporation
State: OH

Complaint narrative:
They advertised on their website that I could take a look at lowering the interest rate & payment on existing loan with them. They imply that no " credit inquiry '' would be done, did not go through with their proposal since it did n't save me any money. 

Later, I was advised by a credit monitoring tool that I had an inquiry that has adversely impacted my credit score. I was able to discover that this was from AVANT. 

I immediately contact Avant @ ( XXXX ) XXXX and spoke with their Customer Service Dept. They apologized, and after receiving my name, telephone number, date of birth, and last XXXX of my social security number told me to email their compliance department ( I emailed them also on XXXX/XXXX/2016 ), even though it was not my error to correct ). 

I believe this action by AVANT is a " DECEPTIVE LENDING PRACTICE, '' and want the inquiry removed from my credit history, and from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation
State: CA

Complaint narrative:
I got a loan with Avant Credit XXXX {$2500.00} and I made XXXX payments of {$110.00} which totaled {$2200.00}, I still owe a total of {$1500.00} which in total calculates to XXXX, which means that the loan 's interest rate is 160.056 %, I am unable to find the original documents and have attempted to contact the company. I believe that the loan violates the Truth in Lending Act and specifically 15 U.S. Code 1602, 15 U.S. Code 1666i-2borrowed 2500paid XXXX XXXX owe XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing on behalf of my real estate client XXXX XXXX. He is currently being reviewed for a Short Sale XXXX originally submitted in XXXX XXXX. The lender and their attorney refuse to continue the Trial Date XXXX XX/XX/2015 XXXX Despite being in receipt of a complete loss mitigation package. Evidenced by the emails attached, the Law Offices XXXX XXXX XXXX has been in active communication with 5th 3rd Bank and their attorneys. Evidence has been provided including copies of emails between the law firm and the attorney of record representing the lender. Despite clear evidence the file has been submitted to the lender XXXX XXXX XXXX, XXXX. 
of XXXX XXXX, XXXX. refuses to join the defense attorney 's motion to continue the trial ( see attached email XXXX This is a clear violation of the my clients rights and perfect example of dual tracking. The evidence is quite clear a short sale offer is currently being evaluated at the same time the lender is trying to push my client into foreclosure. XXXX XXXX for XXXX XXXX Bank XXXX see attached emails ) has actively been engaged with XXXX XXXX XXXX legal assistant XXXX at the law offices XXXX XXXX XXXX XXXX closing attorney ). I ask you please demand this trial be postponed and the lender uphold their responsibilities to the CFPB and review my client for Short Sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IA

Complaint narrative:
The bank continues to ignore my requests to access my loan and make timely payments. They will not call or email me back although I have requested it several times. I need to be able to access my loan information and make payments before late fees are accumulated.

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 2016-06-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a car loan with Fifth Third Bank and they do n't allow you to make payments online so I have to mail by check. I will send the mail a week before it was due and they wo n't cash it till 2 weeks later. Well this month I missed one payment and they repossessed my car. And I already sent the payment that I missed and the current one this month. They now want to charge me XXXX in repo fees and the XXXX payments will go towards that and I will still owe my payment for this month on top of the towing and storage fees. I just do n't understand how the repo fees are this much when my late monthly payment is XXXX. I hear a lot of the same problems with people having their car repossessed when they made payments they just posted them late. And when I called them they did n't tell me about the repo fees and were fine with me paying the payment that was late and the current payment then when my husband called they said we owed XXXX. On top of that they did n't contact us at all and they said they sent a letter in the mail but we never gotten it. If we knew this was happening we would have done expedite shipping right away

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Oregon Credit Service, Inc.
State: OR

Complaint narrative:
I recently got divorced from XXXX XXXX XXXX XXXX after 19 years of marriage.. I have documentation stating he was supposed to take all his debt and I was to take mine which was minimal and mostly doctors bills. Please look over all accounts and verify I am not paying any of his debt. As I walked away with the clothes on my back and nothing else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Called after sent written cease of comm
Company: Avant Credit Corporation
State: CA

Complaint narrative:
I acted a payment arrangement with these people on XX/XX/2016 account XXXX and made all payments on time ... these people are reporting FALSE information about me to the world wide WEB that I am late ... Please assist me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation
State: GA

Complaint narrative:
Received a loan from Avant Credit loan. Was not told what my interest. The loan was for XXXX with an interest of 35.90 % of {$190.00} a monthe. 1 year later after a years of payment and balance was still high,. I called the company and found our that when loan is paid in full I would have paid XXXX back, so now I wanted to send in extra money only to find that interest will be taken out. I have had loan and credit cards in the past and when seding in extra money, it went to the princple, rhis company does not do that. feel that I have been jitped. This is too much money to pay back, at XXXX years old makes me want to check in on bankruptcy or kust refuse to pay anymore money ... Thank you much for any help or advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Franklin Credit Management Corporation
State: WA

Complaint narrative:
My partner and I bought a house in the XXXX redevelopment area in XXXX, CO in XXXX. Right after we signed these mortgage documents, our loan was sold to XXXX. Unfortunately, our house was foreclosed in XXXX. We never received any documentation as to the loan being transferred to another company or any other subsequent companies. My partner filed Bankruptcy while we still lived in Colorado and I did not. We were told by the attorney that his bankruptcy would take care of my obligation. The only loan related to this house that appears on my credit report is the original XXXX loan. I find it suspicious that XXXX held the loan for 4 years and never once contacted me? And then the loan was transferred to XXXX in XXXX and they never contacted me for more than 4 years? It seems to me that they have failed in their process to notify me as the consumer of further debt obligations. Please help!

Company response to consumer: Closed with explanation