vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had a car loan loan with Fifth Third Bank ( XXXX, OH ) which was just court-ordered to pay XXXX dollars to their XXXX and XXXX clients to settle a class-action lawsuit. This bank was charging higher interest rates to these racial groups which I am a part of ( XXXX ). I had a loan during the timeframe these acts were perpetrated ( Starting XX/XX/XXXX ). I ended up having to refinance my loan with a different Bank ( XXXX ) XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Medical-Commercial Audit Inc
State: MO

Complaint narrative:
This debt has been paid

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
someone used my bank card link to my checking account and made unauthorized transactions while I was traveling abroad, it was an identity theft. I file a police report for that matter and contacted the bank and the merchant, submitted a lot of documents and at the end the bank denied the claim for no valid reason at all! its XXXX..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation
State: FL

Complaint narrative:
The payment on the account for the month of XXXX 2016 was received by the creditor 17 days late and they are reporting it as a 30 day late on my credit reports and they refuse to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Credit card — 
Issue: Other — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Opened up secured visa account with Fifth Third Bank. I was told only XXXX credit report would be pulled on my credit file. Fifth Third Bank Credit Department as well as XXXX XXXX XXXX, Assistant Vice President, XXXX Manager XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX, Illinois XXXX. NMLS # XXXX. Telephone number XXXX. Fax number XXXX XXXXXXXXXXXX, assured me only XXXX credit report would be filed. On XXXX XXXX, 2015 a credit report was pulled, then on XXXX XXXX, 2015 an additional credit report was filed without my authorization or my signature. I contacted Fifth Third Bank, immediately, to have the issue resolved. To this day XXXX credit inquiries still remain on my credit files. I contacted XXXX Credit Bureau, to find out what the procedure was to have Fifth Third Bank, remove the XXXX unauthorized credit inquiry. XXXX XXXX Credit Bureau, stated to me, Fifth Third Bank needed to write a letter stating that XXXX of the credit reports was in error. Of course, Fifth Third Bank, as yet to follow the process and continues to violate my fair credit rights. In addition, I, XXXX XXXX XXXX XXXX have written XXXX - XXXX letters to the attention on XXXX XXXX XXXX, as well as made numerous telephone calls requesting to have the unauthorized credit inquired removed. But, to no avail, I have not had any success in having the unauthorized, unsigned credit inquiry removed. I have been getting nothing but the run around, costly expenses of my time and effort. The unauthorized inquiry cost me XXXX points, costing my credit score damages. Fifth Third Bank is damaging my credit report, by making my credit report appear as if I applied for XXXX different loans, which makes another lender look as if I am shopping for loans and being denied. This is a federal violation, against my fair credit act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-20 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Check Resolution Inc.
State: VA

Complaint narrative:
My wife received a call from National Check Resolution stating that we owed on a Payday loan, XXXX. They also stated that they where going to serve papers for a court case scheduled in two weeks. This scared my wife enough that she paid a reduced amount of XXXX verse the stated amount of XXXX dollars. 

I then called them back to verify what had happened. They told me a loan was taken out in XXXX of 2014 and paid to my XXXX XXXX account. NCR did have my XXXX XXXX Account 's last XXXX, my social number and home address. I told them I never filed for a payday loan in XXXX of last year. They told me it came from my homes IP address and that I should remember taking a loan out. They told me the loan amount was XXXX dollars. 

I verified through my bank, XXXX XXXX, that no deposit was made from XXXX XXXX in any amount. In fact hat no deposit of XXXX dollars are made to me account during the month of XXXX. 

They also stated they would not refund the money as it was a closed case.

Company response to consumer: Closed
Consumer complaint received 2016-05-13 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
BMO Harris has charged my checking account an overdraft fee after the account was in the positive status. BMO does not have an alert system when accounts are overdrawn and I have overdraft protection. When the account is not funded transaction are not suppose to go through, they allowed the transaction to post to my account. Once I became aware of the negative account status I transferred funds into the account. BMO Harris sent me an email today stating I have an overdraft fee after I already brought the account back to a positive status.

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 2017-02-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
I hold a first mtg with US bank ( loan # XXXX ). I applied for a loan modification due to the fact my payment is going up in XXXX and I lose my child support in XXXX 2017. My income is XXXX a month from my job XXXX. My payment will be XXXX. My modification was denied because i am not behind on payments and because they say I have enough income to cover the mortgage! Clearly an excess of XXXX is not enough to sustain that payment amount! I asked for an appeal to make sure they are not counting my Child support that I lose in XXXX 2017. US Bank said I can not file an appeal! So much for saying on their paper work they want to work to help you keep your home!

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 2016-11-17 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I sent money through XXXX App for my bills which was {$450.00} and {$60.00} to one person & {$310.00} & XXXX $ to another person. Chase Reversed the money from their accounts by filing a dispute that I never approved. They took the funds out of my account twice and they wo n't return the funds to the appropriate people or to me. I need them to give them their money back and return the money that they owe to my account. I never approved those disputes. I only dispute an XXXX charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One Auto Finance is reporting me late to All XXXX credit Bureaus as of XXXX. I was never late at that time because I had an arrangement with them they would n't report me. I 've called them explaining this and they are saying they do n't show a late on file yet they keep verifying it at the bureaus. I am trying to close on a house and this is delaying it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates
State: MI

Complaint narrative:
I had made payment arrangements with XXXX for {$50.00} a month to be withdrawn on a monthly bases for my copay of medical debt to ensure the debt would not go into collections. I have done this for over a year and for some reason they have turned me into collections when I have held up my end of the agreement. In addition, because of my ongoing life long medical condition my current copays go 's to this account to ensure a monthly payment is made to the hospital. Even at the collection of JL Ross the monthly payment is begin received via the hospital. I had over a year ago, made the arrangements for this payment to remain off my credit repost as I am rebuilding my credit. In addition, the hospital never sent anything saying this account would be turned over to collections so I could be able to contact them to have them review there records of agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Delbert Services
State: TX

Complaint narrative:
I was told this a pre trail intervention to call and avoid charges being filed for wire fraud and check fraud and a warrant will be filed for my arrest his name is XXXX XXXX phone # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Pending Company Match
State: DC

Complaint narrative:
I was sent emails about a debt that they claim I owed to XXXX.com. I responded back that I am willing to clear this debt if I can make installment payments. They said if I could make a payment ASAP they would settle for XXXX of what is owe. The issue I had was that I asked for official documentation stating the original amount of the loan and how much is owed. They could n't give me the information until after the amount settled for is paid. And another thing they wanted me to send money my XXXX to an " employee '' instead of to the company,

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 2017-03-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I started a refi with XXXX & they had Freedom Mortgage as the banker, I had a credit score of XXXX 6 months ago, with Freedom Mortgage and XXXX telling me for the last 4 months that they were closing and not to pay debt, made my credit score go down. I want to know how a Bank like Freedom Mortgage can lag and cause my score to go down, Also I would like to know how a mortgage Broker XXXX can lag a refi for 6 months, I was having my home taxes impounded and now they are refusing the loan. I must of signed at least XXXX redisclosures with Freedom. I will make up my late payments but I want to know if this place can be sued for damages that they have caused. How can they do this on a FHA Loan to make it drag on?

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 2015-09-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WV

Complaint narrative:
I have a mortgage loan with Fifth Third Bank. I have had this loan for several years. Initially inhad XXXX properties and XXXX loans with Fifth Third Bank but due to their sloppy recordkeeping, I had a four year battle with them over escrow payments for each of the XXXX accounts which they misappled or put into the wrong account. They never once took the time to straighten out the accounting of these accounts. The statements they sent were difficult to read and understand. After additional negotiation and what was an attempt to resolve the issue, they sent me XXXX " revised '' loan agreements. XXXX they left on original terms ( XXXX XXXX property ) and the other ( XXXX XXXX property ) they attached an additional {$15000.00} to the debt without any accounting verification or an appraisal of the property. They then renigged on their agreement of the XXXX property and said I would have to reapply for a new loan. When I objected they took the property through foreclosure. They stated that I owed over {$8000.00} on the loan when the actual amount was substantially less than that. 
The XXXX XXXX property agreement payments, due to the increase in debt of {$15000.00}, went forward. In the XX/XX/2014 they threatened foreclosure again stating that exaggerated payments were due on the account. It took weeks to try to work it out with the final result being that their original claim of unpaid funds was NOT correct. They never gave a comlete accounting of why there were differences in the payments shown and due. They also charged me attorney fees for the foreclosure even though therecwas issues with their accounting. 
Now once again they have not correctly accounted for payments. However, they threaten to foreclose on the property even though there isca dispute as to what is owed. This bank does not provide very good records andvit takes time to descipher what they have or have not posted. I have to go back to the various banks and see if all the checks were cashed, etc. They give me two weeks to try to verify all psyments and in this case I know they have not correctly posted all payments. However they are determined to take this property just as they did previously with the XXXX property without correct or complete accounting of the payments. I could not attach all documents but will be sending them by separate mail. Sorry but there are too mant documents to send forward. My current account number XXXX XXXX. 
Unfortunately I dont have a specific bank contact at Fifth Third Bank, XXXX. XXXX XXXX, XXXX, OH. XXXX. The attorney handling the account for the bank on each of these occasions is XXXX, XXXX, XXXX & XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, WV. XXXX, ( XXXX ) XXXX. 
All I am trying to do is correct their accounting. I do not thinkmitvis fair that they can constantly threaten to forclose when their accounting is INCORRECT!!!!! Your assistance would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
We completed a refinance that closed on XXXX XXXX, 2015. As part of that closing, {$3300.00} was to be applied to principal reduction ( i.e. the refinance amount was larger than what was needed to pay off the old loan and closing costs ). 
Several months have gone by, and I have asked my bank repeatedly for an explanation on where that principal reduction appeared on my statements, and they have not been able to communicate this. 
I see that on XXXX, a curtailment amount of {$400.00} was applied, but {$2900.00} remains unaccounted for. 
The bank 's mortgage transaction statements are totally confusing and not clear.

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 2015-10-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
My loan was sold several times after the purchase of my home and was with XXXX XXXX XXXX XXXX, XXXX ) before supposedly being transferred to Freedom Mortgage XXXX freedommortgage.com, XXXX ). I make all my payments via the Freedom Mortgage website and when I needed to contact the company in regards to the servicing of my loan I was unable to enter my phone number or loan number into the automated system without being told it was n't valid. 

Once speaking to a rep with the company I was told that my loan is not with them or in their system because it 's with XXXX XXXX XXXX a sub-servicer of Freedom Mortgage XXXX. They gave me the phone number for XXXX XXXX and said to contact them. I contacted XXXX XXXX and can not even get through to a representative because neither my social or my loan number is being recognized with the automated system. The system says to call back when I have a valid loan number or social and hangs up. 

Why would XXXX XXXX tell me my loan was with Freedom Mortgage and how am I making my payments on Freedom Mortgage 's website if neither company is able to recognize my information for me to discuss my loan with anyone?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have a XXXX mortgage, called an Equity Flexline account. For over a year, I have been charged a monthly " Past Due '' fee of {$9.00}. I have not made a late payment during this time. Every other month I call or go in to correct the error, every monthly statement shows the fee. I have twice paid the fee separately. I have XXXX receipt showing the fee paid. I also have a statement showing the submitted request id # made to correct the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
The BMO Harris Bank auto loan department, loan approve person part of this fraud with my name and credit not following proper procedures application to review at the time I did not know the when I file the complain to attorney general state of Illinois. I discover this when I requested that XXXX XXXX, BMO Harris Bank mortgage loan originator, to send me an original copy of the good faith contract that my wife and I had signed but I have not received that yet. Instead, XXXX XXXX sent me the copy of the original auto loan paper work which was postmarked XX/XX/2012. It is from these auto loan documents that I learned about the fraud that was committed. In the Applicant 's Credit Statement section of the auto loan documents, they list my name, date of birth, social security number, and home phone number with XXXX XXXX XXXX 's home address, place of employment, salary, and business phone number. This was done without my knowledge and permission and is clearly fraudulent. The rest of the documents list my name with XXXX XXXX XXXX 's home address. I was also unaware that the car financing was switched from XXXX to BMO Harris Bank as most of the addresses for XXXX are changed out and BMO Harris Bank 's address is listed instead. 
Harris Bank auto Loan # XXXX In end my only complain about Harris Bank not following proper procedure for loan. I never work as developer and make over {$58000.00} that the lie.

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 2017-01-09 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Levy & Associates, LLC
State: OH

Complaint narrative:
I received a collection letter from Levy Associates LLC of a debt that does not exist. I requested information on this debt and they could not provide it to me. They sent me a copy of a Judgement dated 20 years ago and they sent it a couple of months after the collection letter was sent. The last time I looked at my credit bureau report the debt was not there. I am making this report so that someone knows that these people are committing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was making regular payments to my home mortgage for a few years. My loan was eventually transferred to fifth third bank. I setup automatic payments through my bank. Fifth Third bank did not have an online payment method for non-checking account customers. At some point without my knowledge, my total payment due changed and the previous amount I setup did not cover the full amount. The bank did not apply my partial payment and stated I was late. I called Fifth third bank to rectify. They waived the late fee and said they would work on removing the record from my credit statement. I was able to immediately make the missing balance payment and have not been late since. My credit score has been severely negatively affected by this.

Company response to consumer: Closed with non-monetary relief