vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-02 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation
State: IL

Complaint narrative:
i received offer from 'Avant ' in the mail, for a loan. took {$4500.00} loan, terms were for 3 years, $ XXXX/mo. payments. After 12 mos. I wanted to pay it off. I had paid a total of {$2200.00}. They demanded {$3400.00} for a payoff amount. I wanted to clear up the bill, and that was the only way. The balance would have been {$2200.00}. They charged me an extra {$1100.00} to pay it off. They stated when I talked to them that my rate was 28.4 %. This makes it over 50 %. I know it was n't a great idea to get a loan under these circumstances, but needed the money at that time, and figured I could get it paid off within a year. They basically kept {$1100.00} interest during first 12 months ( said I had only paid {$1100.00} towards principle )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Recovery One, LLC
State: FL

Complaint narrative:
I was leased on as a XXXX for XXXX out of XXXX KY in XX/XX/XXXX, but due to low pay per mile I terminated my lease with them in late XX/XX/XXXXXX/XX/XXXX (XXXX)
filed a debt collection against me for XXXX to Recovery One collection agency from XXXX Ohio.The Recovery One is charging me (my acct number XXXX) XXXX and even though this matter is only in disputing stages they already made inquiries to my credit report without my consent.I have tried to contact the Recovery One and to discuss  the charges with rep  but conversation went without any progress.Looking for any help or info that I can get.Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
My mortgage company never disclosed to me how much equity was in home. I refinanced for a lower interest rate to XXXX in XX/XX/XXXX. I was never told the amount that I could receive for refinancing no paper. So now I went to refinance for a cash out in XX/XX/XXXX to consolidate all my debt into XXXX and was told that have gaps in my employment. Not to mention I called to verify if all of my documents was received and then I got the bad news. 
I am currently with the same mortgage company presently and they sent me a letter stating that I withdrew my application which was false. My current mortgage balance is XXXX and my current market value is XXXX plus. My mortgage company valued my house at XXXX in XX/XX/XXXX. Now it is valued at XXXX my loan application with them in XX/XX/XXXX. So I never was disclosed that amount I could have got when I refinance in XX/XX/XXXX. 
I purchased my house in XX/XX/XXXX and refinance for a lower interest rate with my current company. I feel that they have done some practices that was not fair disclosing the amount I could have received at refinancing and if possible what was the amount I could have received then and I could have paid down college loans, car payment or put the money back in my home. As a consumer I feel that I was taken advantage of by this and given false information so deceiving. 
Please help where did the money go because I was n't told about the amount 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 explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I contacted BMO Harris regarding our XXXX auto loans that we have financed with them. Both loans are current accounts & have never been past due. My husband recently was out of work due to XXXX & there was payroll issue with his check. To avoid being late, I contacted BMO Harris to inquire about a deferment/extension since this would be an a short term issue as it was already in process of being rectified. After they reviewed the accounts, while I did qualify for the deferment/extension they would not approve it because it was based on my husband 's income interruption & not mine, but both loans were listed in my name since I usually handle the car shopping for our household. I explained to the representative as well as the supervisor that our household works off a joint income and a delay of {$1000.00} was an impact to paying our monthly bills as it would be for many people. They still declined the request again for the only reason being that it was not my direct income being impacted. I feel I was provided a lack of service due to being honest. As a good consumer who pays bills in a timely fashion, I feel this situation should have been looked at with a different level of scrutiny vs. to the letter of their policies. Working in the same industry, I understanding having policies, regulations, and guidelines, as well as when there is room to service the consumer with flexibility within those same practices.

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 2016-10-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
When trying to make a payment online via website of Freedom Mortgage there is an " error on payment. '' Valid payment information was entered and was entered before the due date. I believe Freedom Mortgage does this intentionally to take advantage of consumers and extract additional late fees from them.

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 2017-01-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
My XX/XX/XXXX mortgage statements if payment is received after XX/XX/XXXX a XXXX late fee will be charged. my payment was sent by express mail on XX/XX/XXXX and delivery was attempted at XXXX on XX/XX/XXXX the attached document shows. 
my payment was there before the designated day and I was still charged a late charge

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 2017-03-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Law Offices of Timothy M. Sullivan
State: OH

Complaint narrative:
I contacted the Offices of Timothy & Sullivan on today XX/XX/2017, to settle a past due debt that I have. I was advised that XXXX ( Provided no last name ) was assigned to my case. I spoke with XXXX, he refused to accept my offer, he also refuse to sent my request to their client. I advised XXXX since he refused that I will make other arrangements to pay the account. I then contacted the paralegal who was handling the account, XXXX who was every kind and helpful. After ending my call with XXXX I received a call back from XXXX asking ( more confirming ) my employer, my work number phone number. He then threatened to send a wage garnishment to my employer. I advised XXXX that I was working with XXXX, he spoke over me in a very rude and unprofessional tone. I eventually had to hang up the phone as he was being very disrespectful and demanding I pay the account today. I then realized that XXXX contact me on my work phone. I request the Offices of Timothy & Sullivan not contact me AT ALL. Any communication be sent via mail or from XXXX directly.

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 2015-06-03 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
My son and I were on an auto loan together and he could n't afford it anymore so we voluntarily surrendered the vehicle to the bank.we were told they would send a final bill after car is sold in an auction and have n't heard anything yet from them since we gave car back in XXXX 2015. Yesterday XXXX 2015 they somehow got my tenants number illegally and called her wanting her to disclose our personal information to them, like where we work and our phone numbers etc. And they also told her that we both may get a warrant for our arrest ... they have the car back so how can they threaten to arrest us for something we no longer poses? This bank has major issues and needs to be stopped..they had no right contacting my tenant and involving them and we do n't know how they got her number except googling it which should be illegal to do in this scenario. They also falsely reported on our credit reports that the car was a repossession not a voluntary surrender like it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Armed Forces Loans of Nevada Inc.
State: MD

Complaint narrative:
I took out a loan with a company Called Armed Forces Loans of XXXX. I was active duty military at the time and I was in need of a loan due to unexpected expenses. I received an approval through Armed Forces Loans of XXXX. At the time I was just excited to get approved for the funds that I need, but as time went on I realized I was in a much better situation without the funds from this company than before I made contact with this company. 

I was charged interest rates upwards of 34 % which I know now is not allowed for XXXX military members for an interest rate to be so high it should be maxed at 6 % ( due to laws such as the SCRA etc. ), this interest rate is also not allowed for the state of XXXX Residents. I was also not aware that this company may not even be allowed to lend to Maryland residents due to not being licensed in the state or not following the XXXX interest rate guidelines. 

This company has left countless remarks on my credit report in order to get this debt collected and it has become very damaging to my credit profile. I am willing to take full responsibility for the debt and I would like to get this account settled but only if this is indeed legal account ( loan ). 
I would like to request the company send me : A copy of my full account statement ( Loan Amount and Terms ( signed by me ) to include interest and fees ) which have never been provided by the company and are not available on my online account. 
Also I request the company send me their License information that grants them authority to lend in the State of XXXX and or to XXXX Residents. 
Any other relevant documentation to prove this company has the ability to lend to myself. 

While this process is ongoing I would like Armed Forces Loans to remove all account information ( collection accounts, derogatory remarks etc. ) and to cease collection attempts. 
It has been brought to my attention that I may be a victim of deceptive lending or predatory lending and if this is the case due to what has been listed above then this account should become void. It makes this very suspicious when they do not want to reveal original documents or provide certain proofs that are required by law. 

Upon the Company receiving this complaint I wish that if I am wrong about any of the above mentioned that they will not show any type of retaliation efforts and cause more damage to my credit than they already are. I am just a concerned consumer that wishes to verify my rights. 

I do not wish for Armed Forces Loan to contact me until they can provide what was listed about as I do not want to be put in a more stressful situation than this already is.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation
State: MD

Complaint narrative:
The interest rate is 35 %. At the beginning of the loan I was not told that the interest rate would be this high. As a matter of fact the advertisement said that the rate would be around 6 %. They changed the terms of the loan which they called restructuring of the loan to change the payment and they never honored the new payment of {$100.00} a month. I have paid for about 7 payments of this loan on this and still own the same amount as when I started out. About 3 months ago when I had to change accounts or method of payment they would not let me change checking accounts to make my monthly payments. The fees are out outrageous. They are already gouging me at a rate of 35 % interest plus bogus fees attached to late payments. Predatory lending practices at best. Customer # XXXX Loan Id. XXXX Avant 's Contact Info. XXXX Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Avant Credit Corporation
State: AL

Complaint narrative:
Avant would never work a payment arrangement that was in my needs. The interest rate was to high as well the payments. So I got behind then they sold my account to XXXX XXXX XXXX. XXXX ended up pursing legal actions against me. Well I ended up winning the case and turned out I did n't have to pay them nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CO

Complaint narrative:
In assuming a VA mortgage with Fifth Third Bank, they allowed the escrow company to send financial statements including, Name, DOB, SS #, Credit Card information andmortgage information in an unsecured and unencrypted email to the seller. This wasfor both my wife and myself. 
Escrow Company:XXXX XXXX XXXX XXXX XXXX, KS XXXXXXXX Closer : XXXX XXXX XXXX ( XXXX ) XXXX Ext. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TN

Complaint narrative:
I have sold my home and we are waiting on closing. I also mailed a copy of the sales contract to Vanderbilt Mortgage. The closing company has requested the title and deed from Vanderbilt but someone from Vanderbilt contacted me on XX/XX/2017 wanting XXXX. Closing was set for XX/XX/2017 but the appraiser found that XXXX mobile homes did not put anchors on my home over 13 years ago. That has been taken care of and inspected and approved and the appraiser has to do a walk through and we can close. Vanderbilt wo n't stop the harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: CT

Complaint narrative:
Freedom Mortgage Company has lost and otherwise misapplied three of my mortgage payments over the course of the past six months, the most recent payment being my XXXX 2016 mortgage payment which was made on XXXX XXXX, 2016 and received on XXXX XXXX, 2016. 

Despite repeated attempts to locate my payment and sending proof of the payment by my bank to Freedom Mortgage, they continue to call me daily, send me threatening letters with late charges assessed and harass me. Most importantly, they are incompetent in servicing my mortgage loan. They have cost me countless hours of phone calls, waiting on hold and passing me from person to person without providing any answers as to the whereabouts of my payment. 

After calling them every day this week, they are telling me at the 11th hour that my bank sent the payment electronically and they ( suddenly and without notice ) are telling me that they " do not accept electronic payments ''. The only method for payment instruction that my banking institution ( XXXX XXXX XXXX ) has for them is to send the payment electronically. 

Now, after waiting an entire week, they are telling me that I have to go back to my bank and get them to track down the lost payment. 

All of this is beyond frustrating and not the first time that this has happened to me in my less than 2 years of having a loan with this incompetent company. They should be fined and put out of business. 

My next course of action is going to be to refinance this loan with another bank to get rid of them. I have the luxury of being able to do that. Many other consumers may not have the same ability. 

They are awful!

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 2015-05-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
I HAVE A MORTGAGE THROUGH FREEDOM MORTGAGE. I REGISTERED TO PAY MY BILL ONLINE. EACH AND EVERY MONTH I CAN NOT ACCESS MY ACCOUNT AND HAVE TO SPEND AN HOUR WITH A TECHNICAL REPRESENTATIVE BEFORE BEING ABLE TO PAY MY BILL. IF I DONY HAVE TIME FOR THIS MY OPTION IS A PHONE PAYMENT WHICH THE COMPANY CHARGES FOR. THIS I THINK IS THE REASON THAT THE WEBSITE DOES NOT WORK PROPERLY SO THEY CAN GENERATE PHONE PAYMENT REVENUE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation
State: AZ

Complaint narrative:
On XXXX/XXXX/15 money was taking out automatically from my bank and on XXXX/XXXX/15 the company took additional money out of my account without permission XXXX. When I contacted the company and spoke to management they said they can not credit the additional un-authorized money back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company
State: LA

Complaint narrative:
Our home flooded in XXXX in Louisiana, We have received our Insurance check to finish repairing our home. The Mortgage company had us sign up on XXXX and follow the To do List. It read ( which i have a copy ) to send the Insurance check unendorsed and a copy of the adjusters worksheets, which I did. Then the To Do List changed to we have to have a Licensed contractor. We are over 80 % complete in repairing our home and my husband was a XXXX for 19 years and chose to close his XXXX in 2014 because rising Insurance cost and bad employees. He then in XX/XX/2014 went to work for a XXXX, that XXXX. So this is what he does for a living. They told us that as of last year their company changed their rules and no longer let you self repair your home, which we have never received anything in writing. They also told me that they sent a flood claim instruction booklet to us when the claim started, but we never received it and they can not find in their records where it was ever sent. No one in Upper Management will even call us after requesting to speak to someone and being told on XX/XX/XXXX, that we would receive a call back in 3 business days. Now I need to know what and where to go from here.

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 2017-01-03 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: Recovery One, LLC
State: OH

Complaint narrative:
Was told payment would keep debt from reflecting on my credit as a collection action. Payment made over 60 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I believe Fifth Third Bank if overcharging me I can never get a straight answer from them. 
They charge me charges on top of charges They promise I am current, Then the next moth send me bills with fees and other charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have a dispute with a merchant called XXXX in the amount of {$4900.00} that Fifth Third Bank has not removed. I 've ask them to remove this charge repeatedly through numerous letters and chat and I 'm being completely ignored. The charge in question is not mine and they need to remove it from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: SC

Complaint narrative:
I received my first student loan more than 30 years ago, and my last disbursement was on XX/XX/1991. I have been paying on them off and on since then. My loans have been consolidated multiple times, but the interest rate is still around 8 %. I do not think the data I downloaded is correct. Student Total All Loans Outstanding Principal : {$140000.00} Student Total All Loans Outstanding Interest : {$19000.00} Can someone please review it?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Pending Company Match
State: DC

Complaint narrative:
XXXX XXXX, representative from Midland Funding , LLC contacted me numerous times between XXXX XXXX - XXXX, 2015 requesting payment for a debt. XXXX requested I make a payment and I refused because I had not received validation of the date. I inquired about a settlement without validation and was told by XXXX that I had to give him my bank account information before they could make offer a settlement. I declined to give him my information and requested a settlement in writing and was again told that he could not give me a written offer until he had my bank account information. I declined giving him my information. In XXXX 2015, they reported the collection to the credit agencies.

Company response to consumer: Closed with non-monetary relief