vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: SC

Complaint narrative:
I have made repeated requests to have the PMI from my mortgage be removed and it has not. My Mortgage is through Freedom Mortgage and they have given me information that I do n't believe is correct - such as a loan under two years old ca n't have the PMI removed and loans that are 2-5 years old have to have a 75 % LTV amount ( I am at 71.5 % LTV ). I have spoken to numerous people during this process yet my most recent request submitted in XXXX has not been responded to. I have however received numerous unsolicited phone calls from them asking if I want to refinance my loan. I have no desire to refinance my loan with a company that wo n't communicate with me regarding inquiries I have submitted. 
During XXXX of the unsolicited phone calls from them I was actually yelled at by the manager telling me I was crazy for not refinancing and that he had no idea why I where I was 'coming up with my LTV . ' His name was XXXX XXXX I emailed Freedom Mortgage after that call on XXXX XXXX and also never heard back from them with my complaint on how he treated me. I used the appraising company that Freedom Mortgage said I had to use, my house appraised for {$400000.00} and my current loan balance ( As of my XXXX XXXX statement ) on my conventional loan is {$280000.00} giving me a LTV of 71.5 %. 
I have NO Idea why they wo n't remove the PMI when I have followed the steps I had to follow to remove the PMI.

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 2015-04-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Fifth Third Mortgage Account XXXX have set up automatic payment from my banking to pay my mortgage each month. In 2014, 5/3 raised my mortgage by {$150.00} and I was made aware until it was too late. I made up the proper payments to bring my account to balance and 5/3 continues to erroneously mark all three credit report. My money would leave my bank account on time, but seemingly never arrive at 5/3 Bank where my mortgage payment is due. In XXXX of 2014, I faxed 5/3 Bank with my 2014 YTD payment history to prove my account was current. I contacted 5/3 and confirmed they received that fax and there would be no more concerns. My payments were not on time but the notices did not stop. I have attempted resolve the problem with 5/3 Bank and my banker XXXX and neither was helpful and this issue still is n't resolved! Because I could get no answers, I stopped making payments after the XXXX payment was paid on XXXX/XXXX/14. Soon 5/3 would claim that I owe over {$1100.00} in missed payments and attempt to DEFAULT my mortgage. After contacting 5/3 Bank, the Customer Service Representative who told me that over {$500.00} was never applied to my account, ( with no explanation given ) that I only owed {$640.00} to bring my account to current status. I made that payment ( confirmation XXXX ) by phone at that time. As I type this complaint, I am still receiving notices that my account is overdue by 30 days, meaning nothing has been resolved. Please ask 5/3 Bank to REMOVE ALL BAD CREDIT REPORTS FROM XXXX XXXX, AND XXXX. Also, I ask that all late fees be applied to principal balance of my account ( please do not send a check ). Because of my frequent travel I am around to await a check in the mail, not am I able to forward the fax mentioned in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I have made XXXX significantly sized payments, $ XXXX each, on the mortgage company 's website specifically indicating that the payments were to be applied to the principal. However, in XXXX instances the payment was applied as 'unapplied cash ' and did not reduce the principal of the loan. Thereby, the interest being accrued daily is overcharging me. 

On the first instance of the payment I contacted the mortgage company and was advised it would take a day for the amount to be reposted correctly. It did not. Instead it took four days of my checking and persistent calling for the large transaction to be correctly applied against the principal of the loan. Hence, an incorrect calculation of the daily compounding interest went on for four days. 

I advised mortgage company at that time I was going to make another payment against the principal. Same outcome. The payment was applied to 'unapplied cash ' and not to the principal of the loan. 

In light of these transactions it can only be concluded that there is a systemic problem with Freedom Mortgage company and how they incorrectly handle principal only payments. They do not apply these payments correctly and the debt holder is the one that bears the brunt as they have an over calculated daily interest amount owed. If it had not been for my repeated follow up, I do n't think the payments would have ever posted against the loan principal. How many other consumers may be have had the same issue but did not realize the mortgage company 's improper book keeping that accrues interest in their favor? 

An authority really needs to review how this company conducts there business as I suspect there are many others that have had interest over charged on their loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Consumer Loan — Personal line of credit
Issue: Account terms and changes — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX2015 went to the branch in XXXX Ohio to Fifth Third Bank on XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX. I made a withdrawal of {$990.00} {$790.00} was the cash amount that I was to get back. And {$200.00} was to be deiposited into my sons account. Later that evening I got a phone call from a cell phone number of XXXX never said who he was or anything. Just said his draw was short and asked if I had the correct amount of cash back? I said yes it was and that I always check. I think that this is harassment on his part. What gives him the right to call me after hour on his cell phone and ask questions?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Freedom Mortgage Company
State: MO

Complaint narrative:
I had to make a decision to get my house refinanced due to the unexpected death of my mother 3 months ago. Freedom Mortgage has been my mortgage company for 3 years since I have bought my house and I am finding out the hard way that this is the worst company ever to gone through especially with the state of mind I am at right now. My mother dying 3 months ago forcefully made me have to get my house refinanced to help me out financially because I would had not refinanced my house with just 3 years of being in it. It is been over 3 months now and all I am doing is a consolidation loan not an overly large amount either ... today I am still waiting ... ..the stress of the company because of thier incompetence has almost put me into the hospital. I am still grieving my mom and having to deal with this for over 3 months to be approved because people do not know what they are doing is unacceptable and unprofessional. I was told yesterday my funds would be released again thinking this is finally over with and I just found out they are not. So here again I have to call Freedom Mortgage again and deal with them. This has been a very bad nightmare for me on top of me losing my mom. I have had XXXX aunts that started the same time I did with XXXX XXXX and they have been approved and already received thier funds and closed on their houses. Here it is 3 months and I am still waiting. I would have went somewhere else but I had already invested months of my time into them and was told my file was going back for review going back for review and everything was ok and then something else came back then come to find the underwriter did n't know what she was doing and nobody is on the same page either. I have not talked to XXXX different people since this has started. I finally got approved a couple of weeks ago, which from anyone I talk too even the notary that came to my house said nobody should have to wait 3 months to get thier house refinanced. As if today because an error again on someone 's part from Freedom Mortgage I still have not had my funds released to me to pay off my lenders, which I was told 24 hours and now it will not be 24 hours. I need to bring the company to someone 's attention due to thier negliegence, incompetence and unprofessionalism on thier part. The only reason I even went with them is because they have been my mortgage company for the last 3 years ... ..big big mistake!!!! If you have the opportunity to go through another company do it! I do n't want anyone else to have to go through emotionally what they have put me through!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc.
State: NY

Complaint narrative:
In 2014, I ordered XXXX Internet service from XXXX. I had it a few months but never bought the computer I was supposed to. I called them and explained. They billed me for the equipment of {$350.00}. They agreed to send me a prepaid mailing box, return the equipment and then send me a letter of satisfaction. They never did. I disputed this on my credit report and won ( XXXX ). I now have a collection agency asking for the money. I do n't know what else to do? Account Number XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I was on the phone with them for appx. 45 minutes. They kept switching me to person to person and nobody could help me. After 45 mins on the phone and a XXXX, I decided to write them. Can you please help me? I can send proof of my credit report that is was won. Thank you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
My 5/3 credit card was stolen and it now has a $ XXXX balance. I 've contacted Fifth Third several times and they ignore me. I am not going to pay for this, as I 've already told them that these charges were not made by me. They send me letters and call me constantly and I always tell them the same - I am NOT paying for transactions I DID NOT MAKE. If they do n't remove these charges and stop the harassment, I will take legal action.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
On XXXX/XXXX/2016, I notified Freedom Mortgage about my financial hardships and that I wished to go through the loss mitigation process. I received a loss mitigation package from them requesting that I sign a few documents and send back some documentation as well. I forwarded the package back to them via email on XXXX/XXXX/XXXX once I finally received the package. Included in the package was a hardship letter ( per their request ) to explain the hardship I was experiencing. The letter also explained my situation regarding banking accounts. On XXXX/XXXX/2016, as I caled in to make a monthly mortgage payment, I asked if loss mitigation had any news for me regarding my request for modification. I was told by the rep that took my payment, they still needed all pages from my bank account. I explained for the 3rd time, that I did not have a bank account as stated in the letter ( obviously they have not read ), so stop asking and let 's move forward. That rep stated that she was going to notate that on my loan and have a manager review it to get the ball rolling. 

It has now been more than 30 days and they have stopped all communication with me. I spoke with a rep today as I was making another monthly payment and she stated the same thing about the bank account documentation. It is as if they are delaying the process on purpose so that they can foreclose on the 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 2015-08-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
This Complaint involves Fifth Third Mortgage Company. My name is XXXX XXXX, and I am married to XXXX XXXX, and we lived at XXXX XXXX XXXX XXXX, XXXX, Illinois. XXXX XXXX suffered from XXXX, and I had an XXXX which prohibited XXXX from entering the house. Fifth Third foreclosed on the house and did not notify me. Then Fifth Third evicted me from the house. During the mortgage foreclosure proceeding, Fifth Third knew that I was married to XXXX and that I was living in the house. Because of Fifth Third, I have no home to live in.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened the Everyday Checking with BMO Harris over the phone in XXXX 2016. The promotional code that I used for the {$250.00} checking bonus was n't expired until XXXX XXXX which was after when my account was established. This code was confirmed originally by the phone agent, and the bank should have kept the recording of this phone call as proof of my claim. Moreover, I also have email proof of this promotion sent by the bank so there is no denying from the bank for refusing to honor it. The worst thing was with their customer service which seemed to have mostly been trained to tell all customers that the promotion was not from the bank at all, and the bank website has been hacked or at least the promotion page was hacked to send out this bonus. I have NEVER heard such a ridiculous response from any other financial institutions before, and it is seriously shocking to learn that a good sized bank like BMO Harris could NOT honor its bonus for whatever reason. 
The second issue is with the XXXX monthly fees charged. I have to say that their banking system is the worst I have ever dealt with, even credit unions are having better systems to make the process easy to use and streamlined for their customers. When I created my online banking account I expect everything to be automated and did NOT have to call customer service to get it to work. This has been my experience with any other financial institutions that I 've dealt with, however BMO Harris system is different and does n't work without manual intervention. The request for refunds is for the amount of time and trouble it caused me to set it up successfully. If I received the initial temporary password that your website was supposedly to send out, I would have completed the enrollment process in no time and transferred in enough funds to waive the monthly fees. 
So to summarize, I 'd appreciate CFPB to work on my behalf with the bank in order for them to honor my bonus, and refund the fees charged inappropriately. Thank you very much.

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 2015-09-17 00:00:00
Product: Virtual currency — Domestic (US) money transfer
Issue: Other service issues — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
Coinbase account closed without reasonable explanation, being told I 'm involved in illegal activities with nothing to back up said claim. I have been operating a Coinbase account for about a year now with no issues in the past, until Coinbase emailed me a month ago with the following : " Thank you for your interest in Coinbase. Our primary goal is to make bitcoin safe and secure for our customers. Coinbase is a regulated XXXX Business under FinCEN XXXX FinCEN.gov XXXX, and as part of achieving this goal, we are legally obligated to implement regulatory compliance mechanisms. After careful manual review, it has been determined that your account has been involved in XXXX or more violations of our User Agreement. You can review the Coinbase User Agreement here : https : //www.coinbase.com/legal/user_agreement We regret to inform you that we are no longer able to support your Coinbase account. Unfortunately, this decision is not subject to appeal ; we are unable to reinstate accounts in violation of our User Agreement. '' After communicating with Coinbase about this issue, they state I 'm in violation of their user agreement, specifically " On XXXX/XXXX/15, your account sent XXXX XXXX to XXXX. We have reasonable cause to believe that this transaction violates the Coinbase User Agreement. Specifically, please see Item XXXX under Appendix XXXX ( " Prohibited Businesses and Prohibited Use '' ) of the Coinbase User Agreement here : https : //www.coinbase.com/legal/user_agreement # appendix-1 : -prohibited-businesses-and-prohibited-use If you believe this determination is in error, please provide corroborating documentation demonstrating the nature of the above-referenced transaction and we will be happy to take another look. '' I state it was an exchange between myself and a friend for XXXX, which I provide a screenshot for with timestamps that date to the exact time the XXXX was sent. In response, they sent " Thank you for your message and for the screenshot of the XXXX transaction. While the timestamp on the XXXX transaction is indeed similar to the transaction sent to XXXX, the information you provided remains inconsistent with the information we have on file for XXXX. We have reasonable cause to believe that the XXXX XXXX sent from your Coinbase account to XXXX on XXXX/XXXX/15 may be associated with counterfeit government identification documents. Specifically, please see XXXX Accordingly, we are unable to restore your account. '' Again, after denying that I 'm related to counterfeiting at all, they refuse to reinstate my account, even after backing up my claims that I 'm not in violation of their user agreement. I have n't had issues in the past and had no idea my friend was involved in counterfeiting. I want my account reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
Requesting PNC Credit Card to Reverse the Charge-Back of {$7500.00} on Card Ending ... XXXX I was hired as a Purchasing Agent for a Co. called XXXX XXXX XXXX , an online company based in NY in XXXX, 2016. My job was to make purchases for this Co. initially using my credit card and they reimburse me afterwards by making payments on the card from their " supposed '' corporate account with XXXX XXXX. Of course I objected to this proposal and they agreed to first pay off the balance of {$7500.00} on my PNC XXXX XXXX ending with XXXX. My card payment was initiated on XXXX XXXX, 2016 from the XXXX XXXX XXXX ( Routing:XXXX & Acct # : XXXX ) and when I checked the balance online on XXXX XXXX, it was " XXXX ''. 

Reason for Dispute with PNC Being suspicious of the possibility of the payment being reversed, I waited for almost XXXX week before I proceeded to make the purchases on my PNC Cashbuilder Credit card ending with XXXX which included gift cards from XXXX, XXXX and XXXX. On XXXX XXXX, with the card balance showing zero online, I called the customer service to check with a XXXX who confirmed to me that if the check has not been returned within XXXX hours, the chances are that the payment from XXXX was successful and went through. I checked the account again XXXX. XXXX and it was still XXXX balance. 

However on XXXX XXXX, when I checked the account balance, it was {$7500.00} ( XXXX + XXXX )! With my XXXX raising, I called CS ( got transferred to dispute dept, then Payment Resolution for more than an hour ) to find out what 's going on. I was told the check was returned ( AFTER 12 DAYS ....! ) So I asked WHY WAS THEIR NO INDICATION ON MY ACCOUNT THAT THE PAYMENT WAS PENDING ALL THESE WHILE SO I COULD HAVE DELAYED OR NOT MAKE THE PURCHASES AT ALL? AND IF THE CARD CO. KNOWS HOW TO ADD " PENDING CHARGES '' TAB TO THE PAGE, WHY COULD N'T THEY HAVE ADDED ( " PENDING PAYMENTS '' TAB ALSO TO ALERT CUSTOMERS? OR HOW ARE WE SUPPOSED TO KNOW IF A PAYMENT DID N'T GO THROUGH BEFORE IT 'S CHARGED BACK TO THE ACCOUNT? 
This Company turned out to be a scam, I did my due diligence to protect myself and wished that PNC did the same for its cardholder.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: AES/PHEAA
State: IL

Complaint narrative:
AES is servicing debt from a XXXX but I never signed anything from XXXX, I have no proof that they still own the debt which is required. I have asked for proof but AES claims they only service the loans but they should have that information before they collect any money from someone. I need proof that AES is suppose to collect on this loan and all negative credit marks should be removed by law since no one ever inform me that XXXX purchased this debt. I talked with the credit bureaus and they told me that AES must have this information in order to collect on this loan. I never received and I have recorded calls to prove it. I also recorded other calls and they did not give the mini Miranda on the last XXXX calls with them which I have recorded as proof because I do not trust AES, they are criminals and should be arrested. AES often gives out bad information, their automated system gives out the wrong amount which I have recorded and the supervisor on XXXX/XXXX/15 acknowledged the system was incorrect but they never fixed it. This is illegal per federal law therefore all credit marks should be removed. I need all of the credit marks removed so I can get the loans consolidated with a new company that I trust. XXXX XXXX keeps claiming that I am lying even though I have the recorded calls to prove it. The reps clearly do n't know what they are talking about, XXXX told me they did not have to send me proof that XXXX owns this debt even though they send letter saying I owe every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian credit report states that I opened an account with XXXX XXXX 2006 which is not true. What is the reference number used to support this account being opened in 2006 by this company? This account did not exist

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