vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-25 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have an account with Fifth Third Bank. I checked my account and discovered that my student loan payment had gone through despite requesting a recalculation which typically results in the payment not being processed. This resulted in an overdraft and my account being - {$600.00}. I contacted the bank that financed my student and was advised of the process for requesting a refund. I was told that this could take up to 20 days. I immediately contacted Fifth Third customer service to ask questions about the overdraft and fees. I specifically asked if the fees were incurred per item per day the account is overdrawn. I was told that the fees were not assessed per day. I was told that of the {$110.00} in overdraft fees they would refund {$74.00}. I specifically asked that as long as no additional transactions would go through would I not be assessed any additional overdraft fees. I was assured that I would not. I checked my account today and I was charged another {$180.00} in overdraft fees. This time when I called the rep, I was told there were a total of XXXX items that cleared. I tried to explain to the rep that those transaction were conducted before the overdraft and most were pending when I spoke with the rep on the day prior. This rep stated that I had been misinformation the day before. Fifth third is no stranger to the CFPB for it 's misleading practices and deceptive fees. I do n't understand how XXXX reps working for the same entity can provide such different information. I explained that the overdraft was not my fault and I was not in a position to clear the overdraft before XXXX XXXX, XXXX. I have been a customer of the bank since XXXX and have been back and forth about their fees and policies for years. The one reason that I have yet to close my account is because of the fifth identity alert feature which provides some great credit monitoring benefits. But this is costing me more than it 's worth.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Mullooly Jeffrey Rooney & Flynn
State: NY

Complaint narrative:
Good morning in 2008, unknowingly to me there was a default judgement against me for XXXX, with an original creditor of XXXX XXXX, I have never had a XXXX XXXX account, I was an authorized user on some of my friends accounts but not sure if XXXX defaulted. Also I was never notified of the court proceeding or served. Fast forward to recently, instead of hiring a lawyer and going through a hassle of trying to fight a default judgement I agreed to a settlement and explained to the debt collector that it is not my debt nor was I ever aware or notified of this debt but I am willing to settle it we agreed on the amount a few days ago. I asked the debt collector to look at the files and you can see I was never the main account holder XXXX XXXX seize he does not have access to the files or he ca n't do anything for me but take my money for a debt legally speaking should n't have been mine in the first place. The debt collector can not legally validate the debt, he should not be accepting my money. Also he wo n't do the right thing in vacating the debt that was n't my legal responsibility in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I bought a fixer upper and was convinced to use a XXXX Loan program by telling me false claims of the programs ability and features. The Mortgage officer lead me to believe I had to use a contractor off a supplied list and this gave the bank a special relationship to work with them concerning schedules, deadlines and any disputes, these were all lies. Now that I 'm XXXX years in to a project I was lead to believe would be 6 months or penalties would be assessed I have a unlivable home in need of XXXX in structural repairs to the new construction that was done incorrectly and another XXXX in new damages. The bank said good luck with that and they are n't going to help and they do n't have any resolutions and mitigation abilities as I was told.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
My cousin who is in the current loan with me wanted to refi our home from FHA to conventional loan with our current mortgage company. Everything went well until it reaches the underwriting telling about adverse action on my cousin 's credit report about the short sale of his house in XXXX 2009. We disclose this info to their loan officer the XXXX time we talked. For in fact, an appraisal was ordered by them and was paid by us. So, our loan was denied. Accdg to the manager, in order to be accepted for Fannie Mae 's conventional loan, we should wait for 7 years. Is'nt it true that Fannie Mae reduced the waiting time from 4 years to 2 years now?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 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: IL

Complaint narrative:
I am being Charged for early terminaton fees on XXXX contracts I cancelled due to being mislead and I feel that XXXX also falsely signed another contract that they did not make me aware of they had me sign the 2 year contract with them using an electronic sign pad then told me that It did not take the first time and that I had to sign again they never told me that I was signing XXXX contracts they also told me that because it was XXXX special I was getting a Free speaker which they charged me XXXX for I would have never bought the speaker for XXXX if they would have told me the truth. When I called XXXX corporate office they said that the employee had been terminated and that they would credit my account XXXX but that they had my signature on the documents when I told them that it was fasley signed they also said that t was my problem I have had many complaints and all they can reaasre me of is that the employee was terminated and that I was not the only person this employee had done this to. I fell that I should not be reponsible for having to pay these terminatin fees due to feeling like they have violated my rights and in a sense commited fraud against me for copying my signature onto documents that I had not agreed to

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have made a qualified written request recently to my bank and they failed to audit my loan. In response to my written request they stopped taking the mortgage payment via their " bill payer '' automatic payment system then wrote and told me the payment is due XX/XX/XXXX. It was paid today but I have no idea why they stopped taking the payment on their autopay system. I have asked Fifth Third Bank to audit my first mortgage and other old accounts but, they wo n't. My current mortgage account is still being over charged by at least XXXX per month and they admit they overcharged my account XXXX but they wo n't explain why they took XXXX from my bank without my consent in XXXX or why they overcharged me XXXX. The problem is they wo n't refund anything nor will they explain why I am paying to much each month. I know this will l happen again and I ca n't tolerate this equity skimming any longer. I have never missed my XXXX monthly mortgage payment yet, when I try to resolve it on my own, I get treated with disrespect. Please help, I am a senior citizen and I need my mortgage corrected at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Armed Forces Loans of Nevada Inc.
State: TX

Complaint narrative:
Armed forces loans continues to report the loan as late even though the under the terms of the loan the final payment due date was in XXXX. Instead they are reporting a missed payment for XXXX XXXX, XXXX XXXX, etc including all month untill now it currently states that I recently missed XXXX and XXXX XXXX payments. I 'm an attempt to resolve the issue they refused to put offers in writing so they could attemp to collect more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: Financial Business and Consumer Solutions.
State: TX

Complaint narrative:
FBCS continues to call me after I have told them numerous times to cease & desist. I have NEVER received any written communication from FBCS. Their collection agents told me they were calling concerning an account I allegedly have with XXXX Bank. I do not have an account with XXXX Bank. XXXX Bank does not appear on any of my credit reports. I have researched FBCS and was horrified to find that they are repeat offenders of reporting false, fraudulent and extremely old debt to consumer credit reports. In addition, there are MANY complaints just like mine where they refuse to stop calling and harassing consumers. Should the calls continue or should they report anything on my credit reports, I will NOT hesitate to immediately file a law suit against FBCS. I have also filed formal complaints with the XXXX, the XXXX Attorney General and the XXXX Attorney General.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I originally submitted a FHA loan application on XXXX 2015 for a mortgage, submitted all paperwork and paid fees including an inspection I was told when the application was in the underwriting process the house I was buying was a flip and FHA would not accept a property that was flip unless it had more than XXXX days I lost the property and the money the bank did n't tell me that requirement until it was about to close. Then I found another property submitted and application they told me it would be faster and while in the underwriting they told me I had to do an addendum to my tax return I did it and submitted it on time, but the underwriting department did n't look at it because they were out of compliance with the XXXX days so they close the case and did n't consider the evidence making me loose more money again. I lost over {$1400.00} dollars on this because of the Banks inability to look at a file within their time frame

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
I contracted with XXXX in XXXX for mortgage for 30 yrs, in XXXX XXXX, they sold my loan to freedom mortgage in SC. freedom contacted me and told me that I need flood insurance. my contract with XXXX included a flood certificate which said I am not in a flood zone. freedom will not accept this document so I have spend weeks trying to get this resolved. 
they will add flood insurance 45 days from first letter if I do n't get flood insurance and I feel totally XXXX. I did not ask for an ; y of this and have a perfectly good document. I want to file claims against XXXX companies.

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 2015-07-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened an account with 53rd bank and I made a {$100.00} deposit into that account,2 days later they closed the account, they never sent me my money back and they reported my name XXXX saying I still owed them money.But I did not make one single transaction in this account!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
I bank at fifth third bank. I pay my bills online. Today my available balance is {$2400.00}. My bank summary says i have {$240.00} in pending transactions. But I know better. I must go further into my account under the pay bills tab to see that {$2000.00} in bills were paid online today, and are listed as paid. This money is not included in available balance, posted transactions or pending transactions and makes my balance seem higher. When I tried to contact them through email I got an error message so I thought I 'd let you guys know. It seems like they are misleading people about their balance by leaving out PAID monies from available and pending balances. I do n't doubt that they have covered themselves legally but the numbers are very misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
I requested contracts bearing my signature and the creditor nor bureaus have provided me any proof within 30 days as required under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: DISCOVER BANK
State: NC

Complaint narrative:
I have been paying back my student loan since XX/XX/XXXX. I was late for XXXX payment about 2 years ago and it was only by a few days. Other than that, I have never missed a payment no matter how hard it was to make the payment. I tried in good faith to get them to refinance the loan. However, they keep saying they will be coming up with refinancing options, but they never do. The terms of the loan are completely unfair. It is very high interest and a very short term. This makes it nearly impossible for me to live month to month. 
It was originally a {$44000.00} loan and by the end of the loan I will have paid roughly {$100000.00}. Seems a bit unfair to help a student get an education.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
In XX/XX/XXXX I was approached in XXXX XXXX while waiting to board a XXXX Airlines flight and asked if I would like to earn free XXXX flights by signing up for a credit card. I asked if the credit card had an annual fee ant the sales person said there was no annual fee and there would be no annual fee. On that basis, I applied for a XXXX branded credit card issued by Bank of America by giving the salesperson which he entered into a tablet. Over the course of the next year, I accumulated over XXXX points ( miles ) which could be used to reduce the cost of airfare with XXXX Airlines. In XX/XX/XXXX, I received a letter from BoF thanking me for being a customer and informing me that a {$59.00} annual fee would appear on my XXXX credit card bill. I immediately called Bank of America and they informed me the charge was XXXX Airlines responsibility. Tey even gave me the phone number and phone tree sequence of number to reach XXXX. Upon calling XXXX, I was informed the charge was not theirs, but would be generated by BoF. Whin I called BoF again, they acknowledged the charge was an annual fee for that particular credit card. They refused to waive the fee and reminded me I would lose all benefits if I cancelled the card. Having been backed into a corner, it appears the correct economic decision is to bite the bullet, pay the annual fee, and use the miles as quickly as possible before cancelling the BoF credit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have inaccurate information on XXXX of my credit reports. I have credit card accounts back from XX/XX/2000 that were paid, never late, and have been closed over 7 years. I 've called the companies and they ca n't locate any record of the account because it has been so long. I am told to take it up with the credit report agencies. When I call them, I repeat myself over and over again for them to take my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Pending Company Match
State: CA

Complaint narrative:
it has been more that 10 years since I had a account with XXXX. she not be on my account not mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have been a victim of Transunion 's Inquiry issue. I called to speak with them about the removal of these Inquiries and customer service was unable to help me. 
Here are the Inquiries as followed XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/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 non-monetary relief
Consumer complaint received 2016-03-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc.
State: SC

Complaint narrative:
I checked my credit report in XXXX 2016, and noticed a collection account from IC Systems in the amount of XXXX, I have since found out that they are stating I owe for XXXX, I explained to them that I have never had an XXXX account and would like it removed from my credit report, I was never contacted by anyone in regards to this supposed account, and since the request I have not heard anything either. I have sent XXXX letters as well as emailed the company directly with no response.

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 2017-02-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
I had a personal business matter with US Bank exposed to XXXX of my co-workers and possibly several others. Where I work we are very busy company with hundreds of employees and millions of customers. I was assisting a customer, when another co-worker came to me to ask me if I drove a XXXX and descried my vehicle to the XXXX At which time I stated yes, thinking someone had hit my vehicle once again in the parking lot. She then proceeds to inform me that my vehicle was being towed. I was in a state of confusion because I did n't understand why my vehicle was being towed and had no way to disconnect with my customer that I was assisting. Another co-worker happened to be going on a break and went outside at the same time my vehicle was being towed. She asked the tow truck driver if it was okay for me to retrieve some of my personal belongings because I was with a customer and had no clue as to why my vehicle was being towed. The driver informed her that he had no problem allowing me to retrieve my belongings. This is where the conversation should have ended. However, he then took it upon himself to disclose the fact that the reason why my vehicle was being towed was because I was behind XXXX months on my note per US Bank and at their request. This information should have NEVER been disclosed. My co-worker never asked why it was being towed. She only stated that she knew who the vehicle belonged to and if it would be okay for her to come get me so that I could retrieve some of my personal belongings in the vehicle. I am a student and go to school at night. Therefore, I needed to get my school bag and scrubs out of my vehicle. I work a full time job from XXXX and attend XXXX from XXXX too. I have been COMPLETELY EMBARASSED in front of my entire facility and the people I work with. This situation should have never happened in the first place. I was in contact with the lender, whos agent supposedly duly notated my account, due to my personal bank account being stolen and another private matter, I made arrangements to rectify this situation as soon as financially possible ( because I get paid at the end of the month ) and was informed that my vehicle would not be in danger of being repossessed. This was clearly all XXXX big lie. On top of all of that, in good faith, I made a payment XXXX days after speaking with this agent even though the agreement was for the end of the month. Lesson learned her is always make sure what is communicated between an agent and consumer is actually properly notated on your accounts and never put faith or trust behind a persons words because that is all they are, just words.

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