vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
I 'm writing to provide additional information regarding the complaint I started on XXXX XXXX, 2016 [ Case number : XXXX ]. 

I 've received the response from Freedom Mortgage through CFPB, and disputed the response they provided. I 've also looked at my statements closely since my original complaint and found that even on the statements that the company has sent me when my account was paid ahead, Freedom Mortgage specifies that {$0.00} of my payment for the next due date would be applied to interest. However, as they received my subsequent payments, I was still being charged interest for advanced payments. I had since been slowing down my advanced payments because Freedom Mortgage has been so adament about refusing to reverse the additional interest charges that I was afraid I 'd be spending more money than I actually owe on my mortgage, however, given this new realization, I 'd like to redouble my complaint against Freedom Mortgage, and subsequently XXXX who purchased my mortgage from Freedom Mortgage while Freedom Mortgage continues to service my account.

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 2016-06-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
As outlined in the attached short letter and supporting documents, Freedom Mortgage violated the FCRA by willfully and recklessly made incorrect reports of delinquency to Credit Bureau ( s ) they acknowledge in writing they should n't have made.

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 2015-07-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: NV

Complaint narrative:
My husband and I have been trying to work with Vanderbilt for over a year to modify our home loan and they refuse to work with us. ( Loan # XXXX ) We fell behind on our mortgage in XX/XX/XXXX because my husband lost his job. Since then I 've been trying to work with and negotiate with Vanderbilt to try and bring my loan back to current. I was told that they would bring my interest rate as low as 5 % with a modification, only to be told later on that was impossible. Also, their website states that they do have programs available to help homeowners keep their homes and that homeowners will be reviewed for a modification after one year has passed since a modification was done, but I have not found any assistance with a modification review. I sent in countless documents and forms to prove my income just to be told I would not even be reviewed. 
I feel that we are being discriminated against by Vanderbilt and they are foreclosing on us illegally. They have been unable to give us a valid reason why they will not even review us for a modification. I spoke with Supervisor XXXX XXXX on XX/XX/XXXX to try to understand why they would not give us a review for a loan modification. I can only assume that XXXX XXXX has a personal issue with my husband and I and seems to have the final say in any decision made on our loan, demanding that we pay {$8400.00} ( half of the past due amount ) right away and not a penny less. I even scraped and borrowed and was able to get {$5000.00} together, but XXXX XXXX refused it. The representatives at Vanderbilt are not interested in helping borrowers as they claim to be. As if this was not enough, while in the middle of this process they put a sale date on my home for 2 months away! 
Also, during this conversation with XXXX XXXX, he said " We wo n't review you for a modification because we already said no. '' and that if I was unable to make my mortgage payments I " should n't have eaten, which is Vanderbilt 's policy. '' It seems that the future of my home depends solely on this XXXX individual. I asked XXXX XXXX why I could n't be reviewed for a loan modification to which he replied " I do n't have to tell you. '' I even told XXXX XXXX that my household income had changed, which is grounds for a new review and he replied that they do n't care and would rather just foreclose. The representatives at Vanderbilt are inconsistent and incompetent. XXXX XXXX has no reason to deny my husband and I for a modification review, other than having a personal issue with us. My husband and I are being discriminated against by this ruthless company, as they will not give us even a fighting chance to save our home or even a valid reason for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA

Complaint narrative:
I 've been notified that Fifth Third Bank charged XXXX and XXXX a higher interest rate on car loans made from XX/XX/XXXX through XX/XX/XXXX based on their race. I purchased my vehicle XX/XX/XXXX and feel that I may have been taken advantage of by their lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: NM

Complaint narrative:
The mortgage company sent me a new escrow account disclosure statement indicating I owed a certain escrow amount and I have protested the amount because the homeowner 's insurance amount is larger than the insurance company 's quote to me. I am exempt from paying property taxes in my state because of my XXXX XXXX. Last year I refinanced my mortgage with this company. They received all of the paper work and submitted an escrow amount that was not correct and sent a check to the County where I reside. The County sent the check back to the mortgage company and explained that I was exempt from paying property taxes and their escrow amount was incorrect. My mortgage amount is scheduled to increase to reflect the incorrect insurance amount and property tax amount. I have spoken to at least XXXX representatives for this company and they all tell me something different. I was scheduled to get a call from them yesterday but never received a call from a supervisor. I have never missed a payment or been late. I will pay them the amount that is the proper mortgage payment instead of what they are requesting I pay because their amount is incorrect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
I spoke to a loan officer ant my local bank about a refinance of my mortgage. We started the process. I was told I would get an interest rate of 3.5 % and my closing costs would be financed into the loan. My officer would than ignored my repeated attempts to reach him. The original loan close date and rate lock date came and went, but the rate lock was extended by the loan processor. When my loan officer finally get back in touch with me he said the rate had gone up to 3.9 % and I would now have to bring {$3500.00} to close. I then reached out to his manager who said he could still get me 3.5 % but I would now have to pay 2.375 % in points in order get the rate that I was told I could have in the beginning and now I would have to bring about {$2400.00} to close. My credit has not changed over the 3 months that this process has taken. Interest rates have increased since I started this process, now I can not even go to another bank because of the time that this loan officer and bank has wasted. Because of this fact I agreed to proceed with the new figures to see what the final numbers would look like. Since then my wife received a student loan disbursement. We put most of it into our savings account. I had also been putting some money into the same savings account in anticipation of needing more cash to close. Now they are telling me that I can not use the money that I put out of our checking account into savings for my cash to close money. The amount of money I put up would be enough to cover the closing costs, even if we did n't get the disbursement. I feel like they are trying to discourage me from closing this loan because rates have gone up and they do n't want me to have the lower rate that I was promised in the beginning of the process. I also feel as though they have been deceptive from the beginning of the loan process. They keep moving the goalposts on me every time I meet XXXX of their requirements or agree to new terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Avant Credit Corporation
State: MA

Complaint narrative:
I have a loan with Avant. I live in Massachusetts. The total amount loaned to me is XXXX. The interest rate they are charging me is 28 percent. I believe Ma law says the maximum interest rate is 20 percent. I contacted XXXX but was told they could charge me this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Avant Credit Corporation
State: OH

Complaint narrative:
I am a current Avant customer. I have had a loan with them for 14 months - every payment made on time & auto deducted. I applied for a refinance & was given a TIL. All of the sudden, after putting in my bank information, they denied me. After waiting for two weeks, I was finally sent a denial notice via email. They denied me, a current customer, for " unable to verify identity. '' I attempted to call to speak to them & was told that I had to email their compliance department. When I did, they would n't answer me with what or why they were unable to verify the identity of a current customer. I believe I have the right as a consumer to know why my current loan company is unable to verify my identity. They have all of my personal information, including my social security number, bank information, name & date of birth. If they needed something additional, then they could have requested it. I believe this is a false reason for the denial & I also believe I am entitled to the reasons for a denial from a lender considering I meet their criteria. 
They have no problem verifying my identity to take my monthly payment each month so obviously this could n't be a great concern for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX I purchased my XXXX Phantom XXXX XXXX XXXX from XXXX XXXX located at in XXXX NY. It was brought to my attention that Fifth Third Bank was the only bank willing to provide me with an auto loan at the time of purchase. I was concerned with the high 14.25 % interest rate. 
XXXX XXXX I was informed that the CFPB and DOJ are both bringing forward a class action Auto Lending discrimination suit against Fifth Third Bank. I followed protocal provided to me by the CFPB staff and made several attempts ( XXXX XXXX, XXXX XXXX & XXXX XXXX ) to resolve this matter with Fifth Third Bank which resulted in several staff members that there in no record of my auto loan in there system. I have provided my social security number, previous address etc ... and have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
In late XXXX 2016, I listed my home for sale because I could not pay the mortgage. On XXXX XXXX, 2016 I received a notice of Intention to Forclose Mortgage. I had spoken to the mortgage company several times and knew this was coming. I wanted to work with them to turn over the home to them as soon as possible to minimize the loss for everyone. On XXXX XXXX, 2016, I was assigned a " single point of contact ''. His name was " XXXX '', but he could not provide a last name. I called numeous times including XXXX/XXXX/2016 and XXXX/XXXX/2016 and spoke to different people. On XXXX XXXX, 2016, I mailed the " Loss Mitigation '' package to the company by regular mail. " XXXX '' acknowledged receipt several days later. I spoke to him several times and mailed in a revised IRS XXXX form as requested and sent a copy of the real estate listing agreement as requested. XXXX assured me the matter was a " slam dunk '' and the closing would occur in 45 to 60 days. ( I was later told it would have closed on XXXX XXXX, 2016 ). Instead, I received a letter saying my request was denied due to missing bank statements. IN FACT THE BANK STATEMENTS HAD BEEN SUPPLIED. I called many times to get this completed and spoke to a different person each time. I was told " XXXX '' quit, there was package there but " there was nothing in it '', the package itself no longer exised but it " was in the computer ''. I was often told documents that I had suppled were not there. Eventually I was told the time had lapsed and I had to begin all over again. These calls included the following : XXXX/XXXX/16 ; XXXX/XXXX/2016 ( the system was down ; XXXX/XXXX/2016 ; XXXX/XXXX/2016 ( XXXX calls, XXXX different people ) ; XXXX/XXXX/2016 ; XXXX/XXXX/2016 ( XXXX calls, XXXX different people. ) I once again completed the package, ( it took WEEKS to get another copy ) and mailed it in. They denied receiving it but depending on who I spoke to some of the people seemed to have some of the documents I sent. I sent it AGAIN by certifed mail on XXXX/XXXX/2016. Since then they have asked for douments that do not exist, such as XXXX forms in connection with a sale and documents already received. I am told my file can not be assigned to any particular person. In the meantime, on XXXX XXXX, 2016 they filed a forclosure action in court. I tried contacting the attorney who signed the complaint, and was told she " left the firm ''. The attonrey who was taking over the file did not have the file the first time I spoke to him. He is polite and usually returns my calls but seems unable to 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 2016-11-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
My escrow was calculated for the new payment. The bank estimated my local taxes at an apporximate 20 % rate hike ( no one can tell me how they came up with that formula ). I spoke with the XXXX in mid XX/XX/XXXX questioning this and alerting them that my taxes will indeed drop from the previious period due to several factors afforded residents in XXXX. I was told to email the final tax bill to them which I did on XX/XX/2016. My tax bill has acually been REDUCED by approximately $ XXXX from the previous year XXXX not the 20 % increase they projected XXXX. To date there is no update on my escrow recalculation or new payment which is due XX/XX/XXXX. I spoke with XXXX yesterday and although they have received all my documentation they have no time frame on when they will adjust my escrow. I left a message with the " supervisor '' and she has negleted to return my call. As it stands right now, beginning XX/XX/XXXX I will be overcharged approx {$300.00} a month with no time frame as to when that will be corrected.

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 2015-12-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
A divorce decree dated XXXX/XXXX/13 awarded my ex-wife, XXXX XXXX XXXX, ownership of the property located at XXXX XXXX XXXX XXXX, XXXX, TN XXXX. Per the terms of the decree, she was required to refinance our jointly held mortgage with Fifth Third Bank, in her own name, within six months. She has refused to satisfy this obligation and has caused severe damage to my credit report since that time. Both my attorney and I have contacted XXXX XXXX in regards to this matter on multiple occasions. I have disputed this account with all XXXX credit bureaus. I have also contacted Fifth Third Bank in an attempt to be released from liability for this mortgage. All attempts to remove my name from this debt, and remove this debt from my credit report have been denied. It is my understanding that XXXX XXXX is unable to secure financing in her own name. Be that as it may, I should not continue to receive derogatory marks on my credit report due to her payment delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
When I pay extra money towards my principal balance, Freedom Mortgage posts my regular monthly payment XXXX, they deduct what I owe to interest, then the principal amount from my regular payment, then on a separate entry they will enter whatever amount I paid extra towards my principal payment. Well after they deduct this extra principal I pay, they then post the TOTAL OUTSTANDING BALANCE with the regular monthly interest they deducted on the regular payment back into my amount owed. This month is was {$330.00} added to my total due instead of it being deducted. Plus every year they transfer my loan from one lender to the next and I have to either agree with the balance they say I owe or dispute it. I disputed it because of their failure to post payments correctly. They sent me several documents of my payment history, but not all of it as I requested. There are months missing. I need to know if there is someone I can hire to audit my account and get the files. They transfer the mortgage from their sister companies every single year so far. Just to make sure they keep skimming off the payments when people do n't notice they total your money back into the balance as if you did n't pay it at all. Just a little at a time so it is n't noticeable. Customer service is n't helpful, phone calls are time consuming, their website is hard to look at each payment due to the way they post the payments. XXXX/XXXX/XXXX Payment Received {$22000.00} Detail XXXX/XXXX/XXXX Principal Payment Reversal ( {$22000.00} ) Detail XXXX/XXXX/XXXX Payment Received {$22000.00} Detail XXXX/XXXX/XXXX Payment Received {$860.00} Detail XXXX/XXXX/XXXX Payment Received {$21000.00} Detail XXXX/XXXX/XXXX Payment Received {$860.00} Detail XXXX/XXXX/XXXX Payment Received {$860.00} Detail XXXX/XXXX/XXXX Principal Payment {$39.00} Detail XXXX/XXXX/XXXX Payment Received {$860.00} Detail XXXX/XXXX/XXXX Payment Received {$40.00} Detail XXXX/XXXX/XXXX Payment Received {$860.00} If I pay {$22000.00} towards the principal balance, then the balance should be that exact amount subtracted from the prior months balance. Instead they added {$330.00} into my final balance. I want the entire account analyzed due to the fact that every penny we earn from our jobs goes towards this loan. They are thieves. I HATE THIS COMPANY AND WANT OUT OF IT! I want to find a bank that is honest and do n't try to steal from hard working people who actually try to pay their bills off.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation
State: OH

Complaint narrative:
I was closing on the sael of a home and I requested a payoff balance for the account as part of the deal for the mortgage loan. The title company will process the sale and buy of the new home and cut me XXXX check to pay my debtors XXXX XXXX, XXXX bank, XXXX and Avant. Apprently I committed to an electronic debit on the full payoff amount ( which i do n't recall ). After the closing on XXXX XXXX I recived the check, these were mail on Saturday XXXX XXXX at XXXX XXXX. Avant has already cevied the check that XXXX XXXX title company made and cash it. On XXXX XXXX 2016 I noticed that the electronic debit was posted to my account for the payoff amount requested, I called XXXX to ask them to reverse an electronic transaction since the check was cash already and they claim they have no evidence of the check being cash and they cant reverse the electronic transaction because it was already committed for payment ( the money is not on the account it was on the check cash ). They only could offer a request for a refund ... 10 days process.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company
State: MS

Complaint narrative:
I make partial payments to my mortgage company. Freedom mortgage 's automatic system does n't allow you to make partial payments. You have to make a full payment. Also, when that payment is made on the automatic system, you have to pay a {$10.00} fee. When attempting to pay with a representative, you can make a partial payment, but there 's a {$15.00} fee for them to process it. You also can not make a partial payment online either. When paying online or on the phone, you can not provide a credit/debit card #, you have to provide a routing/account #. I was furloughed and not able to make payments. I applied for their mitigation loss program. I allowed the 30 day period to review my documents. They denied it because i had n't had XXXX mos of payments. I 've had the loan since XX/XX/XXXX, but refinanced XX/XX/XXXX. I have never applied for the mitigation loss package, but apparently needed a payment reduction. They never called or submitted a letter or notification of the results of the mitigation. I called to receive that information. When I spoke with a rep about the denial, she provided other options that would all cause the payment to be accrued once I returned to work and would need to pay a double payment each month or close to a double payment, within a XXXX month period to become current and or apply for a loan modification again once, I reach my XXXX month period to do a loan modification. I would like to also mention, the refinance only allowed a {$30.00} reduction in payment. Freedom mortgage does n't offer any sort of beneficial help to the consumer and especially in a financial hardship.

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