vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
XXXX XXXX ... FREEDOM MORTGAGE*** THIS COMPLAINT IS AGAINST A SPECIFIC INDIVIDUAL FOR NUMEROUS CRIMINAL ACTS ... WE HAVE EVIDENCE IN WRITING*** XXXX XXXX IS GUILTY OF CRIMINAL CONVERSION, RACKETEERING, EMBEZZLEMENT, LOAN FRAUD, ATTEMPTED GRAND THEFT, MORE WHILE INSTRUCTING NUMEROUS INDIVIDUALS BELOW HER TO COMMIT CRIME IN A CRIMINAL SCAM DEFRAUDING THE ELDERLY, MINORITIES AND THE LESS EDUCATED. 

FREEDOM MORTGAGE COMMITTED LOAN FRAUD WHEN THEY ISSUED THE LOAN. THEY VIOLATED COUNTLESS STATE AND FEDERAL LAWS ON LOAN DISCLOSURE AND CRIMINAL FRAUD. THEY HAVE CONFIRMED LOAN FRAUD BUT THEY HAVE KEPT THE ILLEGALLY OBTAINED FUNDS. 

XXXX XXXX ALSO SUPERVISED AND COVERED UP EMBELLZEMENT WHILE INSTRUCTING OTHERS TO TRY AND STEAL A HOME ILLEGALLY. SHE ALSO INSTRUCTED OTHERS TO COMMIT LOAN SERVICING FRAUD. 

THE LOAN FRAUD IS DOCUMENTED IN THE CLOSING DOCUMENTS FOR THIS LOAN THE EMBEZZLEMENT IS IN WRITING AND CONFIRMED BY XXXX XXXX THE LOAN SERVICING FRAUD IS IN WRITING AND CONFIRMED BY XXXX XXXX IN ADDITION, XXXX XXXX SOLD THIS LOAN TO XXXX AND WE NEVER SIGNED OR AGREED TO THEIR ABA ( AFFILIATED BUSINESS AGREEMENT ) SO THIS IS ALSO A VIOLATION OF STATE AND FEDERAL DISCLOSURE FREEDOM MORTGAGE RECEIVED COMPLAINTS PRIOR BUT DID NOT ANSWER THEM. THEIR CUSTOMER SERVICE IS A FRAUD. 

THE BANKS HAVE ABSOLUTLEY NO FEAR OF THE CFPB. THEY THINK THE CFPB IS A JOKE. YOU NEED TO MAKE A STATEMENT AND PROSECUTE THESE CRIMINAL ACTS. THERE ARE THOUSANDS OF VICTIMS AND BILLIONS IN LOST ASSETS ILLEGALLY SEIZED BY THESE CRIMINAL XXXX ALREADY ... WITH MORE ATTEMPTED THEFT AS WE SPEAK.

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
Consumer complaint received 2016-05-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation
State: SC

Complaint narrative:
I took out an installment loan from Avant Credit. I paid all of my payments and thought after the final payment was made that my account was paid in full. Two years have passed since my last payment was made and I pulled my credit to review what was on there and clean up any necessary accounts. I noticed that Avant was still on my credit as an open account and accruing interest. After my final payment was made ( in which they were automatically drafted from my account ), I never heard from Avant again. I reached out to Avant by phone on XXXX XXXX, XXXX and was told there was nothing they could do that I would need to email the dispute department, which I did that same day. On XXXX XXXX, XXXX, I received an email back stating that I had a very minimal balance on my account after the final payment was made because I moved a scheduled payment so that has been accruing interest ... ..since XXXX XXXX, XXXX. I responded once again on XXXX XXXX explaining that I was disputing the fact that I was accruing interest on a balance that I did not know existed and would have known existed had I not pulled my credit report and reached out to them. Today, XXXX XXXX, XXXX, I received an email from Avant again stating the same thing that there was a balance and has continued to accrue interest. I responded and told them once again I did not know there was a balance and since they did not tell me, that is why the balance remained unpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX16 at XXXX XXXX I withdrew {$300.00} from my checking account which incurred a XXXX overdraft fee as per the overdraft agreement. Since I signed the agreement willingly, I am fully aware that I would be charged a fee and had no issue with the fee for {$300.00} transaction, however I do take issue with being charged an additional {$37.00} overdraft fee for a transaction that occurred at least 6 hours prior to the withdrawal as shown by the banks own documentation and could have been paid, saving me from paying an additional fee. 
I feel that this is a perfect example of " stacking '', where the bank does not post transactions as they occur or as in " real-time '' as I consider it. The bank documentation clearly shows that the recurring expected transaction occurred on XXXX at XXXX, which would have meant that prior to XXXX on this same day, I had XXXX in the checking account and therefore, enough to cover the recurring expected transaction which would not have incurred an overdraft fee had the recurring item been posted as it actually occurred. 
I firmly believe the bank should reverse XXXX of the overdraft fees. I am perfectly willing to pay a fee for the withdrawal transaction as per the agreement I signed, but I should not have to pay a fee for something that I actually had the money in the account to cover.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Ref : Fifth Third Bank Auto Loan Discrimination I financed a XXXX Chevrolet Impala from XXXX XXXX XXXX XXXX through Fifth Third Bank on XXXX XXXX. I felt at the time that the fair market price was not accurate but I needed a car. I felt victimized until I saw this story : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
I received a call from Diversified Adjustment Service Inc. indicating they were attempting to collect a debt on a payday loan I never solicited or received. The call was followed by a letter I received on XXXX/XXXX/XXXX ( the letter itself dates to XXXX/XXXX/XXXX ). I called in reply to the letter, and confirmed that in order to dispute it formally, I had to do so in writing, which I did the same day via email. I sent documents in support of my position that I never received any such loan - specifically bank deposit statements from the period in question showing no deposit of any kind for the amount in question. The collection agency claimed the original loan was issued on XXXX/XXXX/XXXX, and then remanded to collection later ( around XXXX of XXXX ), however I received no communication until XXXX - mostly in the form of phone calls from differing numbers, none of which can be returned at the same number. After formally disputing the debt in writing on XXXX, a call was made to me at XXXX XXXX on XXXX, demanding immediate payment of the debt, in violation of and in indifference to the following : XXXX. Validation of debts [ XXXX XXXX XXXX ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I have made several attempts to contact the original claimant, XXXX XXXX XXXX XXXX, who remain at this time unreachable by phone to me - only customer service and technical support are reachable. I was transferred to someone from HR/Payroll, however, my call instantly went to voicemail, and has as yet not been returned. My login for the Agent Services page on the company 's HTML site ( XXXX ) is valid, but the page has no content other than a link to the site homepage, and the link to the agent services page ( XXXX ) on the homesite ( XXXX ) is currently locked, with technical support having sent me an email claiming it will fix the problem within 48 hours. At present however, neither the original claimant ( XXXX XXXX XXXX XXXX ) nor the debt collection agency have provided any documented proof of the debt, or given me reasonable access to it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Avant Credit Corporation
State: CA

Complaint narrative:
I was paying the amount regularly for several months. However, I got very sick and could not pay anymore. 

The remaining amount owed should constitute the interest/penalties and other charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
was pre approved by 5th 3rd bank. my reference # XXXX for pre approval. we proceeded to shop for homes. found a home within my budget put down a {$10000.00} deposit with the realty company. i contact the bank to process the loan and set up a closing. they did a home appraisal and we had a home inspection/wind mitigation done. only to be told a week later that underwriting turned me down after giveing me a pre contract. i was told i would recieve my money back and that the original mortgage broker who first worked on the loan had quit and made a mistake. regardless of whos fault it was, its was still a licensed certified mortgage broker representing fifth third bank. Now no one from fifth third will contact me back about refunding the home inspection monies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: United Consumers Inc
State: MD

Complaint narrative:
Keep calling about a person with my last name. Several times a week

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 2016-06-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
A debt shows on my report as a recent debt of mine and it is not. XXXX XXXX, XXXX is the collection agency for XXXX XXXX XXXX, KS in the amount of {$6500.00}. 
I have never lived in an apartment in the state of Kansas or ever applied to XXXX either. My previous addresses are all houses, XXXX XXXX XXXX, XXXX, KS ; XXXX XXXX XXXX, XXXX, KS : and currently at XXXX XXXX XXXX, XXXX, KS. Neither have I co-signed for an apartment for any XXXX at any time. 
Please remove this entry from my report as it is not mine. 
I have a son whose name is XXXX XXXX XXXX who has lived in the XXXX area at XXXX time. Many institutions have confused us even though my first name is not XXXX it is simply XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I spoke with XXXX of the XXXX credit reporting agencies a few times to dispute a chapter XXXX bankruptcy that was filed XX/XX/XXXX and dismissed. From my understanding, a chapter XXXX remain on your credit report for ( XXXX ) years. The credit company tell me it is their policy as the other XXXX credit agencies do not show it as of XX/XX/XXXX that it will stay on your credit report for ( XXXX ) years if it is dismissed and not XXXX and because they are governed by you the CFPB to do it. This is unfortunate and unfair because it was dismissed and converted to a chapter XXXX after I lost my job. The chapter XXXX was XXXX in XX/XX/XXXX and I think this is another way to penalize those who have paid their bills on time and have established very good credit after their misfortune.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: HUNTINGTON NATIONAL BANK, THE
State: KY

Complaint narrative:
I currently have XXXX car notes with Huntington bank. On XXXX XXXX my payment was due and mailed in in a timely manner as to not be late. The check was stamped and addressed but did not clear my account until late XXXX which put me past 30 days late. I feel this is unfair as I gave ample time for my check to arrive. I have a good credit rating beside this and the negative rating is greatly affecting me and my wife 's ability to do a refinance. our payment was clearly sent way in advance of the due date and should not be reflected as 30 days past due. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
Received offer over the internet reading " Bank of America is currently offering a {$300.00} checking account bonus that expires on XXXX XXXX, 2015, for targeted customers. Sign up for a new BOA personal checking account and make XXXX qualifying direct deposit of {$2000.00} or more within the first 90 days of account opening and you will get a {$300.00} banking bonus for opening your checking account. This offer is only for select BOA customers who do not already have a checking account with BOA. There is no offer code required. " I met all criteria. I called to ensure I would get the bonus. They checked and called back saying I would receive the bonus. I later received a letter dated XX/XX/XXXX stating " To qualify for an incentive payout, the promotional offer code must be submitted at the time the account is opened. I called their CS # XXXX ( XXXX, I believe ) and read the above offer saying " no promotion code needed. '' I was put on hold for some time and then told it was because each direct deposit did not total {$2000.00}. I quoted that it did not say " each '' but she would not budge. They were obviously looking for ways to not pay the bonus. I asked to speak to someone else including the one who said I was eligible. She refused saying they were " internal departments '' and could not speak with me. I have now stopped my direct deposits with the intent of closing the account, but would redirect and stay with them if they honored their advertising and marketing. 


When I chatting earlier on-line with individuals, I found they the reps disconneted when they did not know the answer. They are extremely difficult to work with and often very rude. I honestly have never experienced this kind of service of any other business.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Last fall I began the process of being qualified to receive relief in my mortgage payments via the HARP Program with Chase Bank. There was a steady flow of information back and forth but what made it tough was that every 3 to 4 weeks I was assigned to a different Account Assistant. I seldom talked to the same person twice. So everything had to be repeated numerous times. Finally I was informed that I qualified for Harp relief by XXXX XXXX, who told me to keep paying and not to get behind while the agreement was being finalized. I was told that my mortgage payment was being changed from {$1700.00} to {$970.00}. I sent this in on a timely basis. In the midst of this XXXX XXXX was removed as my assistant but I was not aware of the change -- no one called. Then I got messages from someone from a collection group saying that I was expected to pay {$1700.00} and the {$970.00} could not be applied to my mortgage. I explained that there was an error and I was now under a different plan. Well l was charged {$69.00} late fee. I protested. My case was escalated to a manager at Chase who tried to help but who continued to misread the contract. Eventually I was told that I had been kicked out of the Harp program because I had paid my bills on time. So I wondered if this were the case, why should I pay {$69.00}. In the meantime I had paid another payment of {$970.00}. I was told by the manager that I would be refunded the {$69.00} which did occur. The manager told me that even though my payments were reduced to {$970.00} and even though I did not have to pay the late fee but if I stayed in Harp every month my credit score would be challenged by a late payment. I did not accept this. I immediately sent Chase a check for {$3400.00} to cover the XXXX reduced payments and to keep my account current and to stay out of Harp. I asked Chase to remove the penalty statements from all of the credit bureaus so that my credit rating would not be adversely effected. Chase refused. I am insisting that Chase does the honest and right thing which is to inform each of the credit bureaus that I did not have a late payment. Chase should send me a letter confirming this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc.
State: NY

Complaint narrative:
I recently checked my credit score and I have a debt on my report of XXXX for common wealth which when I looked it up it is a collections. This does not share anything in common with any of my other debts after reviewing my scores and would like it to be discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
I received many calls from Financial Credit Network. 

I spoke to someone there on XXXX XXXX, 2016, she wanted me to disclose my SSN and I would not, she went on to tell me I owed over {$700.00} and if I wanted to pay via my XXXX that day. I advised that I dispute the validity of the debt and to not contact me again. I have yet to receive the FDCPA notice from them. 

I advised them of my dispute, and this dispute has n't been updated to the credit bureaus, violating the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian fail to delete wrong personal information on my report.

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 adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
I believe I was a victim of mortgage fraud. My ex wife obtained a refinance/loan modification without my knowledge or consent. This occurred on or about XX/XX/XXXX. She either forged my name or electronically signed my name and provided my information without my knowledge. She obtained this loan through Caliber Home Loans, who sold the mortgage to XXXX on or about XX/XX/XXXX. This loan was obtained with forgery and false information and approved by XXXX. XXXX also ran my credit, doing a check resulting in a " hard hit '' to my credit without my knowledge or consent. XXXX also approved and processed the loan without my presence, written or verbal consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I signed up for a free bank account with PNC back in 2007 and just recently they said that my account was no longer free and I have a {$7.00} a month fee to maintain my account. I was grandfathered into the old terms which PNC and myself are bound.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-10 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Issue Unable to get my credit report or credit score : Problem getting my report or credit score Describe what happened so we can understand the issue ... 
When I went to the Free Annual Credit Report website and provided my information " TWICE '' it got to the downloading report message and just stayed there. Nothing was ever down loaded or shown on the screen. I attempted to contact the company but they have noting but a phone look and no way to talk to anyone to resolve the problem. I am afraid my information is out in cyber space somewhere for others to see and I am afraid my credit score has been negatively affected by trying to access my report twice. I believe there is some false information on my report and that is why I was trying to access it along with we are looking to buy a home and wanted the information for that purpose. A phone number is needed for customer service so people can contact and speak with a human to resolve a problem. I even tried obtaining a phone number from the Consumer Financial Protection Bureau to get a phone number for customer service from the Free annual credit report and they did n't have any other than what I had.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XXXX 2013 The United States Bankruptcy Court - XXXX District of Florida had sent docs for a Chapter XXXX Discharge of Joint debtors for both : my self and my husband to ALL CREDITORS I have attempted to contact all the companys involved many times to have our credit information to be updated. Our Equifax reports has STILL not been corrected! I have also filed COUNTLESS disputes WITH EQUIFAX only to have them DENIED by and my credit score impacted further- this is in VIOLATION of the Bankruptcy court discharge! This needs to be corrected ASAP! - I want this backdated to XXXX of 2013 for the correction as well.

Company response to consumer: Closed with explanation