vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
This loan has been closed for several years yet it is still showing up on my credit report as a liability. I 've called the bank and even stopped into a local branch and they have no record of this loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am filing a complaint in hopes of receiving back the thousands of charges that 5/3 has charged me. I had some extenuating circumstances with my employer, XXXX, where they changed our entire global pay system, and I did not receive a paycheck for the month of XXXX 2016 basically. In that time, 5/3 put through several of the same charges, 3 times, incurring a {$75.00} fee for XXXX transaction, to the tune of {$1600.00}, in 3 months. I wrote to XXXX XXXX, the Presidents office, 3 times, pleading with him to reverse, at least the second and third fees on each XXXX, I am willing to pay for XXXX {$35.00} fee per transaction, but XXXX seems exorbitant. Here is a list of the dates and charges : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} in bank fees in 90 days. 
If XXXX of those are valid - it means {$1100.00} are second and third time charges for the same debit attempt. 

I am asking for {$1100.00} back to me for the second and third time attempts. They told me no, they cant refund me any fees more than {$74.00}. I think this is atrocious. 
Feel free to contact me. I feel that this is heartless and that they are taking advantage of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Avant Credit Corporation
State: TX

Complaint narrative:
AVANT is reporting on my credit report a balance of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XXXX XXXX, XX/XX/2015 I sent a letter informing Fifth Third Bank not to process my payments. electronically anymore. This letter was sent certified mail and I had the receipt from where I sent the letter certified mail on XXXX XXXX, XX/XX/2015 My receipt shows that Fifth Third Bank received and signed for the mail on XXXX XXXXXX/XX/2015. In that same letter I enclosed my mortgage payment for the month of XXXX in the amount of {$1700.00}. Fifth Third Bank cashed that check on XX/XX/2015 it cleared my account. On XXXX XXXX, XX/XX/2015, which is more than 3 business days after they received my letter, Fifth Third Bank tried to make an electronic transfer in the amount {$1700.00} which is also an incorrect amount for my mortgage payment. This is clearly a violation of the Electronic Funds Transfer Act 12 CFR 1005.10 ( c ) ( 1 ) Consumer 's Right to Stop Payment. This states that " A consumer may stop payment of preauthorized EFT ( electronic funds transfer ) from the consumer 's account by notifying the financial institution orally or in writing at least 3 business days before the scheduled date of transfer ''. As a result of Fifth Third Bank trying to complete an EFT for an amount to cover my mortgage which had already been paid, I was charged {$30.00} from my bank with who I hold my checking account ( XXXX Bank ) for insufficient funds. Now Fifth Third is calling me and trying to collect additional money as well because the check did not clear. I have called and talked with several representatives who are either refusing to help ( just trying to collect more money XXXX or saying they can not help. I have explained to them that my mortgage payment for XXXX is not due yet and XXXX representative was saying the EFT that they tried to process was for the XXXX payment. I have explained to them I will continue to pay my mortgage monthly but by check and I will no longer use EFT. Fifth Third Bank should also have to reimburse me {$30.00} to make me whole as a result of my insufficient funds charge with XXXX due to them violating Federal Regulation regarding the Electronic Funds Transfer Act. I have copies of the letter mailed, as well as the certified mail receipt PS Form XXXX, Domestic Return Receipt if they need to be provided.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-08 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
The subject is about Fifth third Bank internet auto-pay bankingThis is the XXXX or maybe the XXXX time that I set up an auto-pay but some trigger defaults the account the money is to be drawn from the account I assigned to an account that has the least amount of money and thus creates overdraft fee 's XXXX trigger is if you change or modify the amount, without you being aware unless you research intentionally will re-assign the account with the least amount of money.. I have addressed this fault with Fifth Third believing it was a programming error But now just another Trojan Horse.. 
A year and a half ago they sold me on the Early Access product that I was lead to believe was a overdraft protection product that was charging a very high percentage rate. I complained about that and now the interest rate is 3 % or lower and it is an overdraft protection vehicleThen last month or so I find out they started charging {$15.00} checking account fee on a free account.. XXXX reason being I have direct deposit. Now the bank manager credited 3 months because thats all the further he could authorize this refund. But still this bank continue 's with inventing these Trojan Horses

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
While XXXX, Georgia in XX/XX/XXXX I purchased a vehicle ( XXXX Dodge Charger ) from XXXX XXXX on XX/XX/XXXX. At that time my Credit Score was a XXXX ( See attachment ) and my APR was set at 5.29 % ( See attachment ). The Lien was with Fifth Third Bank ( See attachment ). On XX/XX/XXXX, online I notice a article stating Fifth Third Bank from " XX/XX/XXXX to XX/XX/XXXX charged XXXX and XXXX customers more interest on auto loans. Georgia was XXXX of the XXXX targeted location. In the military we 're already targeted by companies and now I would like to know if i 've been targeted by Fifth Third Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Our mortgage was sold to Freedom mortgage soon after we closed. As soon as they got over, all XXXX broke loose : 1. We were told as soon as the mortgage balance dropped below 80 % of original loan, we were going to be able to recast the loan and get rid of the escrow. We called several times. Every time we called, the person at the end of the line was telling us a different story. We have several names of people that we called and we can produce evidence/records of these calls. 
- we sent our request in writing for the above things to happen - we sent the payment in, plus the recast fee ( they actually double charged the recast fee ) - Our loan balance reached below 80 % on XX/XX/XXXX. However, they did not recast our loan until XX/XX/XXXX after calling numerous times. 
- We were told the PMI was going to be removed when the loan ratio dropped below 80 %. Even the end of year documents received show that should have happened AUTOMATICALLY under the Homeowners Protection Act of XX/XX/XXXX, but although the loan ratio is now ~36 % we are still paying escrow and PMI. 
- they paid our property taxes twice, first in amount of {$3000.00} ( which is correct based on the paperwork received from the county ) and another time in amount of {$3100.00}, which there is no evidence of what this amount is. The end of the year document lists this as " XXXX '', however the amount for school was already included in the {$3000.00}. 
We are at the end of our rope. We do n't want to call anymore only to be told that things are going to happen soon ... .but they never will ... Please help

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 2015-06-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
I have a mortgage with Freedom Mortgage Company and after reviewing my paperwork, I noticed some discrepancies on my paperwork. On my HUD-1 my interest rate is 6.5 % with a loan amount of XXXX but on the truth in lending statement my interest rate is 7.078 % with a loan amount of XXXX finance charge amount {$130000.00} total payment {$230000.00}. On the GFE the amount is XXXX. HELOC XXXX. According to my payment schedule payments should be $ XXXX ... However, I have never paid this amount since the beginning of the loan the lowest amount I have paid is XXXX. On XXXX/XXXX/15, I call collections and spoke with rep ID XXXX who informed me I had a escrow shortage of {$1600.00} and my account was being prepared for foreclosure. She transferred me to customer services XXXX ID XXXX ... she said an escrow analysis was done on XXXX XXXX and mailed XXXX XXXX, 2015 to my mail box. The problem with this statement is I do not have a mail box. I have receive all other mail except this XXXX that have been sent to me. She also stated that the new payment did not go into effect until XXXX because I had a short fall on my escrow ; but if you notice my XXXX statement I am paying the same amount for Escrow as in XXXX. This does does not square. I asked about my status with my mortgage and was informed that I needed to speak with someone in collections. I was transferred to Agent ID XXXX. We discussed completing a loss mitigation packet. I informed her that a payment had been sent. She said, the payment would be returned because, the foreclosure process had begun and they would process the documents when received to determine if they are accepted. But they will continue with the process even during the review. In order for the process to stop the entire amount of {$4400.00} is due. But, I question this amount that is due because of all the discrepancy with my financed amount and payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
I own my home through Freedom Mortgage XXXX XXXX XXXX and have since 2007. I am experiencing a hardship with paying my mortgage, presently. I have reached out to Freedom to try and gain resolution to my problem to no avail. In XXXX, I reached out to Freedom to perhaps refinance at a lower interest rate and was handled so unprofessional and rudely, getting nowhere, but further behind. I have depleted ALL finances available and still have no help from Freedom. Freedom has no resolution steps for people who experience the unfortunate situation as me and I regret having them as my mortgage company. I have been a loyal customer since 2007 and feel there should be something in place for times like this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: MN

Complaint narrative:
I had a financial situation occur that was not my debt that brought my bank account balance down to nothing. I called my mortgage company in XXXX while I was still current to inquire as to if there was anyway to skip a payment. They informed me that they could do an " informal forbearance '' and I could skip that months payment and they would split it up over the next 3 months along with my normal payment. I told them that I could make my payment if it was going to adversely affect me and I was told that there would be no issues. I made the payments as agreed and well before the time they were due each month. I happened to look at my credit report and saw that they were reporting me as being 30 days late for the 3 months. I called my mortgage company to ask why this was and I was informed that they were sorry for neglecting to tell me I would get reported as delinquent and that there is nothing they can do about it. I reminded them that when I made the arrangement I was still in good standing and only did the payment arrangement as I was told it was not an issue ... and their response was again, " we are sorry for not telling you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Diversified Adjustment Service, Inc.
State: NJ

Complaint narrative:
When this collection agency first contacted me ( XX/XX/XXXX ) about an alleged {$180.00} debt from XXXX, I immediately sent a debt validation request ( XX/XX/XXXX ), requesting bills, contract, etc. They did NOT send me any of the requested information, but they did stop calling and writing me for exactly 1-year. Now, *EXACTLY* ONE-YEAR later to the day ( XX/XX/XXXX ), they mailed me another letter, and are calling me again ( XXXX times a day ). This is without providing any of the validation requested in XX/XX/XXXX. What is more disturbing is that they changed their name from XXXX XXXX to Diversified Adjustment Service and changed my account number, presumably to wrongly renew collection efforts, which they would not typically be able to do, having not responded to my validation request.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I refinanced with XXXX in XXXX of 2015. They sold my mortgage to Freedom Mortgage and so the nightmare began. After my XXXX payment I received a late payment letter dated before my payment was late. I sent proof of payment from my bank but it did not stop their pursuit to a DEFAULT. They have lied, been rude and are duplicitous. What they say on the phone does not match what they say in their next letter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/2016, at XXXX, I went to an outside ATM machine at BMO Harris Bank, XXXX, IL., to withdraw {$640.00} from my XXXX card. However, the ATM never dispensed the money, money never came out, though it gave me a receipt as if it had given me money. The next day I went back to the bank to speak with the bank Mgr. ; he told me that BMO do n't manage the ATM 's outside, though they have BMO 's name on them. So I contacted XXXX to open a claim. On XX/XX/2016 I got an email from XXXX informing me that the 3rd party vendor who manages the outside ATM 's at that location submitted documents that indicate the ATM 's showed no surplus. But regardless, the machine never gave me money that night, and I 'm very confident the bank 's and ATM 's cameras ( which I 'm quite sure they are equipped with ) will reflect this.

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 2015-06-14 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:
An unauthorized debit was made on my debit card. In another state. Same day debit was made by me in my home state. Looking at the timeline it 's obvious I could not have made the purchase. I requested a new card and disputed the claim. The bank has denied and will be redebiting my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
I filed for forbearance as a result of unemployment back in XXXX 2016. Since that time, Freedom Mortgage has consistently delayed processing my request with frivilous requests that I resubmit paperwork already provided in triplicate, documents they never disclosed at the start as requiring. They also delayed my request b/c the single point of contact assigned to me took a week off for personal business without having anyone work on my account during his absence ( XXXX XXXX ). He also failed to touch my file when I submitted paperwork but would delay processing my paperwork for 3 to 5 businsess days ( XXXX XXXX ). New single points of contact were assigned multiple times with and without my request for change, which added more delays. The single points of contact failed to look at the paperwork provided and would ask me to resubmit paperwork because I had provided so much paperwork ( which was result of their frivolous attempts to delay ). Four months later, I have found a job and now I am being penalized with penalties that were a direct result of Freedom Mortgage 's delays ( not mine ) and I am being penalized with an increase in interest rate. They are restructuring my loan rather than granting me the forbearance during the periods that I was unemployed because I am now employed 4 months after I filed for forbearance - so I am being penalized for having getting a job instead of waiting for them to finally process my request for forbearance. They have ruined my credit score with all their delays so I ca n't go to another lender.

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 2015-12-31 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: Avant Credit Corporation
State: MO

Complaint narrative:
This loan was taking care of and XXXX is still reporting it as unpaid and late.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Freedom Mortgage Company
State: OR

Complaint narrative:
I was approached by Freedom Mortgage company via mail regarding a Streamline VA IRRRL. From the beginning ( loan application ) the loan officer put the wrong property values in the loan application. They fudged the numbers in order to make it appear as if the new loan would save me money. I am not XXXX consumer and I know that .5 % is not going to save me a significant amount on my monthly payment. The disclosure said " existing loan '' and those numbers do not reflect my current payment even after I give them my specific loan amounts. I rejected the loan application and told them that once they applied the exact numbers I provided them I would sign the application and we could move forward. The loan associate made the adjustments and we moved forward. I assumed that this was human error and that we could move past this and get on with the process. I specifically told the loan associate that I wanted the principal balance of the loan to remain the same. That I would pay all prepays and escrow at time of closing. I was very specific about this. 
Flash forward 30 days. Delay, delay, delay. That is what they did. Error after error on closing disclosures, double charging prepays and escrow amounts. Submitting then resubmitting so many erroneous documents that it was confusing to determine which was the last incorrect disclosure. Promising time and time again that they would take care of it then not respond. they pushed out the closing date again and again. Then pretended that each error was in-fact an error and not intentional. This is the name of the game with this particular company ( Freedom Mortgage ). Their claim, a no cost VA refi., yet they manage to fudge the numbers and some how the principal on the loan grows by {$2000.00} to {$3000.00}. 
The pay off shows how much is required for escrow and interest. I know because I viewed the pay off statement. I also know when my taxes are due and I know how much I have in escrow. 
This company creates confusion and I think that they are hoping that the customer will just give in and say fine lets just close this loan. It 's a tactic. Confuse consumer with the documents and the figures, tell the customer that is just how home loans work. In the mean time make the numbers are so ambiguous that it appears that the customer is saving money. It is all smoke and mirrors with Freedom Mortgage.

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