vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
We were going to get a loan through Freedom Mortgage, but after dealing with them and reading all the information from BBB and Consumer Financial Protection Bureau reviews we decided not to go with them.  After we told them no, the mortgage agent just kept going and it turned into a living nightmare for us.  The phone calls and emails became so crude and nasty we decided this was not for us.  We told them to stop the loan Saturday XX/XX/2017 in and email and the loan officer refused our request.  They continued to process the loan and connect us with closing on XX/XX/2017 through another email.  If you are considering these people run the other way, read every thing you can on them, protect yourself and your family home. They have so many complaints against them and call the BBB, Consumer Financial Protection Bureau, and read their reviews and findings.  Don't take my word take theirs. Threatening us if we file a complaint, they will sue.  Don't threaten me!  Last time I checked this is a freedom of speech country and we are entitle to our opinions, especially if it is to protect others.

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 2015-07-29 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
THERE ARE XXXX INQUIRES ON MY CREDIT REPORT AND SHOULD ONLY HAVE XXXX AND THEY HAVE FAILED TO SEND ME PROOF FORM THE INQUIRES

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I suspect PNC processed my transactions in such a way as to generate overdraft fees. They will continue ripping off their customers until authorities do something. Penalties for overdraft are abusive, at {$36.00} / item. This bank collected {$140.00} in fees after putting my account into overdraft, and charged me {$36.00} for a {$10.00} transaction. Had the transaction been processed in the order they 're received there would n't be a fee. How are these banks allowed to get away with this? Please let me know how I can participate in the next lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: LENDER LIVE
State: MN

Complaint narrative:
I am receiving up to 7 calls a day from my loan servicer and about half of those calls are just dead air, no one on the other line. I have also instructed them that they are calling at very inconsiderate times as I work night shift and I have asked for no calls before XXXX or after XXXX. I repeatedly receive calls in both the XXXX hour and the XXXX hour. I understand I owe a debt and have no problem discussing the debt with my mortgage servicer, but 5-7 calls a day, every day except Sunday is starting to seem like harassment. I have discussed this with my servicer and their only answer is that calls will continue until the loan is brought current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: AmeriCash Holding LLC
State: KS

Complaint narrative:
First of all, this form does not have a box to check that I never took out a loan from the questionable company and secondly, the only box I could check was that I was the borrower, which I am not, but the assumed borrower instead. 

I am getting requests for payment of loan # XXXX taken on XXXX/XXXX/XXXX obtained through AmeriCash Loans of Missouri for a person who has the same name as me but not the same SSN or address as me. The first written Notice Before Suit was received XXXX XXXX, XXXX. I subsequently sent a certified letter to their XXXX XXXX, IL collection office. I received confirmation of delivery by USPS. Another letter, Notice of Right to Cure Default, dated XXXX XXXX, XXXX was received by me on XXXX XXXX, XXXX via certified mail. The phone number for the company is XXXX but we are hesitant to call them in case it is not a legitimate business but a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA

Complaint narrative:
When I applied for an auto loan the loan company took into account the outstanding VA Medical bills on my credit report that are not my responsibility to pay. Thus, discriminating against me as a XXXX XXXX veteran when they issued the loan at the interest rate of 22 % instead of at 7 % which I am eligible to receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have sent TransUnion numerous of certified letters requiring them to verify my Chapter XXXX Bankruptcy. I have included copies of the original disputes, which lists in detail the type of verification requested. I understand that my bankruptcy remains on my public record, not my credit report. This Bankruptcy is a third party reporting, TransUnion was able to get my public information. Bankruptcy XXXX and credit bureaus are not affiliated in any manner and the court is unaware of their process and procedures for reporting or removal of information from a credit report. In addition, the XXXX Court does not report or verify information with credit bureaus. The credit bureaus have their own procedure for retrieving information from the public record of the XXXX Court and the court has no knowledge in this regards. I ask TransUnion to validate ( 3x 's ) with the United States XXXX and provide me with copies of and documentation associated with my Bankruptcy, bearing my signature. This unsatisfactory as proof that TransUnion is unable to provide me the documentation. TransUnion, have not complied with my right to have validation of my Chapter XXXX Bankruptcy, according to the standards of the FDCPA, and you not responding is hereby rejected as a validation of the Bankruptcy. You must remove the collection listing from my credit report, or I will be seeking a minimum of {$5000.00} in damages for violation of the Fair Collection Practices Act, Negligent of Identity fraud and Defamation.

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 2015-03-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My mortgage company lack of security allowed my tenant to compromise my account and cause harm to me and my credit. She was able to gain authorization over my account and changed the contact information and went delinquent. I was n't notified because the contact information was changed. This was all done without my awareness or consent to account XXXX and XXXX on XXXX Mortgage XXXX. 

I have sent the following proofs of fraud on my account to TransUnion and they responded with ; that they will not block the subject submitted from my credit file. 

Compromising my account and taking actions as if they were me is a clear case of fraud, and according to the FCRA, fraud should not be reported. 
Attached : - XXXX police reports by my tenant- XXXX court cases of my taking legal actions to correct my situation- a forfeit letter written by my tenant. ( if you see the phone number on the letter, it 's my tenants cell phone number ) - XXXX letters of me escalating to my mortgage company to correct my account and also to secure my account ( Both have been a failure )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XXXX of 2015, I began an investigation of XXXX with ExperianSPECIAL SERVICES REP named " XXXX '' .I uploaded proof to XXXX and lateruploaded a letter ( attatched here ) summarizing the dispute.According to FCRA, I disputed the account as inaccurate/incomplete and according to law was specific. 
After investigation the account does not contain a " date of XXXX delinquency '', there is no " date closed '', the amount paid on " date of last payment '' is not zero.THE WRONGFUL REPORTING causes the fico score to calculate the last time late as about 2 yearswhen it is about XXXX years.In addition the creditor amounts due are usurious, excessiveand illegal according to the 2009 CREDIT CARD ACT.EXPERIAN VIOLATESREPORTING LAW AND THEREBY COLLUDES WITH THE CREDITOR. 
I HAVE RETAINED AN ATTORNEY TO HANDLE THE CREDITOR AND EXPERIAN.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-27 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
I received this email from what appears to be Wells Fargo. I believe it is some type of fraud. I do not have an account with Wells Fargo nor do I want one because of their business practices. I am going to also submit a complaint on FTC site. I just wanted you to know. 
I will attache the saved word doc that has an additional image when you highlight the email to copy and paste. 
From : " Wells Fargo Online '' XXXX Sent : Friday, XX/XX/2017 XXXX Subject : New Update From Wells fargo Online Banking wellsfargo.com Important New Information About Your Account Dear Valued Member, We noticed invalid login attempts into you account online from an unknown IP address. 
Due to this, we have temporarily suspended your account. 
We need you to update your account information for your online banking to be re-activated please update your billing information today by clicking here XXXX After a few clicks, just verify the information you entered is correct. 
Sincerely, Wells Fargo Member Services Team P.S. The link in this message will be expire within 24 Hours. You have to update your payment information wellsfargo.com | Fraud Information Center Please do not reply to this automated email. 
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 2016-08-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
When financing our vehicle we took a loan from Fifth Third Bank. On our Simple Interest Note and Security Agreement we paid XXXX dollars to Public Officials and XXXX dollars for Title Examination. Once we satisfied our lien in full we received a letter from Fifth Third Bank stating that in order to receive our title we must go to The Ohio XXXX and PURCHASE the title due to the fact that Ohio is a state which produces electronic titles. 
Ironically, one week before receiving Fifth Third 's letter we had just satisfied our lien on another car that we financed through XXXX XXXX. XXXX XXXX thanked us for our business, thanked us for satisfying our lien and ALSO sent us a PAPER Title. 
I spent over an hour on the phone with Fifth Third 's loan officer going round and round about how Ohio is a electronic title state and Fifth Third owes us no paper title. I spent another hour with a loan officer at a local Fifth Third branch going round and round about how Fifth Third owes us nothing since Ohio is an a electronic title state. No one could explain why I received a paper title from XXXX XXXX and not from Fifth Third. I was given a handful of excuses as to what the fees of XXXX dollars to Public Officials and XXXX dollars for Title Examination on our Simple Interest Note and Security Agreement really were. 
We will never consider Fifth Third again for any of our financial needs and urge other to be aware of their " roundabout '' ways of cheating their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Pending Company Match
State: NY

Complaint narrative:
Hello, my name is XXXX XXXX. 
On my Credit Report is showing that I owe XXXX XXXX XXXX {$520.00}, I spoke to them several times ( more than XXXX I believe ) and all they do transfer me from one department to another ... .they have no idea what am I talking about. I went to XXXX XXXX XXXX office twice, they told me they will resolve the problem. Up until today it 's still showing on my TransUnion Report, but back in XXXX 2014, I agreed on paying them {$270.00} and they XXXX told me going to close the Collection. I wish I never settled with them because the charge was wrongful to begin with. I work in Finance, and my partners told me it 's my mistake to settle with them. 
XXXX even sends me appreciation letter for being such a loyal customer. I ALWAYS PAID MY ACCOUNT IN FULL AND ALWAYS RETURNED EQUIPMENT WHEN I WAS MOVING. Today I googled XXXX phone number XXXX XXXX XXXX XXXX which is showing on my credit report, I assumed its a collecting agency ( but still Original Creditor says is XXXX XXXX XXXX ). To XXXX agent I 've provided my ss # and my name and they found no information, nothing! Earlier today I also contacted FCC.gov who were not able to help me either. I am so extremely upset because its significantly affecting my credit score and this collection does n't even belong to me. I am looking forward for your response, and do n't think I need to start legal action against this matter. 

Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I received a 0 % APR offer for 15 months on balance transfers with a 4 % transfer fee from XXXX, I took this offer to the XXXX branch of Fifth-Third bank and ask if they could match it. I stated I would rather deal with a bank with local branches that I also have a credit card from. The banker put in the request and I received the same offer, with checks, in the mail a week later from Fifth-Third. I went to use this check to transfer a balance from XXXX, the check was accepted on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX the balance was reaccredited to the XXXX account with a bad check fee assessed. I went to the XXXX Fifth-Third Bank branch to question why the Balance transfer was not applied, I was told those checks were for a credit card that was issued in XXXX and never activated with my mother listed as a co-signer on the account. I had removed my mother as a co-signer on my credit card in XXXX when an old credit card got hacked and I had to get the Fifth-Third card re-issued. I asked the banker and her manager from the XXXX XXXX, over the phone, why I was receiving the balance transfer offer at my apartment for an inactive credit card from XXXX and why the check was accepted initially at XXXX. This is a very shady practice, I had to then confirm the this account was indeed closed and had to complain until the Fifth-Third banker called XXXX to get the bad check fee removed. I then asked for the same balance transfer, that the old inactive credit card from XXXX received, and was told only the marketing department could extend those offers. I then had the Fifth-Third banker call the marketing department and was told they have no control over this and was given the run around with no apology besides " that is how the business is run ''. This was both insensitive and rude. The manger then told me I could only receive the balance transfer offer if I open a NEW credit card, but would have to close my older account which has a much longer, 9+ years, of established credit history. I told them this was unacceptable and was reporting this to the XXXX and Consumer Financial Protection Board.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Avant Credit Corporation
State: LA

Complaint narrative:
Request to CLOSE ACCOUNT and give payoff balance in XX/XX/XXXX. Advised was refinancing home to clear debts especially this one at 65 % APR. AVANT of Louisiana, LLC refused to cooperate with me or XXXX XXXX XXXX that was handling refinance of home and cutting payoff checks. Clearly told both of us would not close account nor put a payoff amount in writing. 
Applied for loan for medical emergency XX/XX/XXXX for {$2600.00}. because of the urgency..failed to read fine print that showed 65 % APR which meant at least {$130.00} a month was added to balance even if I paid more than monthly amt due on or before due date. This is the only Creditor that was not paid and only creditor that REFUSED TO CLOSE ACCOUNT ON DATE OF CONTACT REQUEST. My pain and desperation for emergency dentalsurgery led me to now having to deal with a financial burden that keeps increasing in leaps and bounds monthly, a company that refuses a request to close the account to stop the 65 % APR, refuses to allow me to talk to management. Seems I 'll be trying to pay this one debt forever and keep bad credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Adjustment Service, Inc.
State: CO

Complaint narrative:
I have a debt against me under XXXX XXXX. I have no clue why or what for, as I have not had an account with them in over a year. I have not been contacted in regards to this. I believe my account was not closed and I have been charged for utilities under my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I opened a credit card with fifth third bank that included an introductory bonus offer of {$100.00} for spending {$1000.00} in the first 3 months. I met the requirement and it was not paid so after a month I contacted fifth third bank. I was told the bonus would be paid within 6 to 8 weeks after meeting the requirement. I met the requirement over two months ago and the bonus has still not been paid. I would like the bonus to be paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I went to XXXX XXXX with the intent to change the oil on my current car. I ended up speaking to a used car salesman and got swindled into purchasing the car in 2013. I was lied to about the fact that there was only XXXX owner, I was able to find this out through an old car title that was left in the vehicle and found out there were actually XXXX owners. I also asked several times about the price of the car and they would n't tell me. I really feel that the car salesman knew this and took advantage of me because of this. They would not show me any paperwork until it was time to sign everything. I know I was naive but I was also taken advantage of. The car price was ( which I later found out ) was way above the price it should have been, almost {$6000.00} and I was n't aware of all the fees until AFTER I signed the paperwork. This is unfair to the consumer, and this situation has made my first car buying experience a disaster. On top of that the brakes needed to be replaced and I was n't told anything about this, until I heard and FELT the brakes slipping. I brought the vehicle back to the shop, and they did repair the brakes. Although, I do have kids and the brakes were in such bad condition that I could have gotten into a car accident. I want other consumers to know this, because now I am left with an enormous car loan for a car that is n't even worth half of the loan that is remaining. I know I was naive, but I do feel that they lied to me and also took advantage of me knowing that this was the first time I bought a car. I feel that I should have been told the price up front, and also given the option to negotiate it. I also was lied to about how many owners the vehicle had. I feel that I was pressured and coerced into purchasing this vehicle. I wish I knew I could have put in a complaint a long time ago, but I just found out that this was even possible. I hope that something can be done, but at the very least I hope others can be educated on this topic by making this complaint, and to not buy a vehicle from XXXX XXXX.

Company response to consumer: Closed with explanation