vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
The credit card company claims that I owe them money, but I traced every charge transaction to a payment. I called them to go line by line to show them that they were paid, but the company has refused to help me all three times I 've called. They keep transferring me to different people or departments, and no one can help. They keep repeating the same formula for how the amount is calculated, but they do not seem to be interested in me telling them that the calculation does not line up with the activity. They do not seem to want to recalculate the charges versus the payment to see my side of things, but instead keep referring me to different departments or people. I 've called three times already and now have to call again. I would like them to listen to side and follow the charges versus the payments as I have done. Also, I 've tracked the payments and show that I 've over paid on a few items and the balance should actually be a credit balance, and in fact they owe me money instead of me owing them money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: NC

Complaint narrative:
I was under contract with a home that was foreclosed on by Vanderbilt Mortgage. I was preapproved for the contract price of {$110000.00}. My Lender obtained an FHA appraisal for my purchase of the property. The FHA appraisal came in for {$88000.00}. After XXXX extensions to my due diligence contract the asset Manager notified their selling agent and my buyers agent that they were canceling the contract and removing the home from the market since the appraisal came in so low, and I was told that the property would be removed from the market. I just saw the property listed for sale and called XXXX number listed. They are attempting to sell and finance a home that appraised less than 30 days ago for {$88000.00} for {$110000.00}. That is {$31000.00} upside down in this property and should be considered predatory lending. Mortgage and Real Estate professionals in North Carolina are to be held accountable for everything they do, Vanderbilt Mortgage needs to be held accountable for Predatory Lending Practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Services, Inc.
State: LA

Complaint narrative:
THIS IS NOT MY DEBT! This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
Received an annual escrow account disclosure statement on XXXX XXXX, XXXX that shows a shortage due of {$6400.00}. My homeowners insurance , county and city taxes have each gone down when compared to bills paid in XX/XX/XXXX. If a shortage existed last year why was there only an increase of {$96.00} monthly for escrow ( {$1200.00} for the year ). Either they have serious accounting issues or they are ripping me off. When I called the Customer Care Department and selected the prompt for escrow the person was unable to answer my questions. Escalated to Sheriff. During this conversation it was clear that the analysis they sent me for XXXX failed to properly disclose amounts paid in XXXX for the higher tax amounts. The timing in the escrow analysis has caused this huge discrepancy. Why was the first analysis performed XXXX/XXXX/XXXX and adjusted again ( down ) on XXXX/XXXX/XXXX then the next analysis not performed until XXXX/XXXX/XXXX resulting in two years of higher than originally scheduled tax amounts to be due. An adjustment should have been made earlier to prevent a negative escrow balance of over {$5000.00} to result in a 14 month period. This is unacceptable behavior from a mortgage company.

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: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
The collection agency refuses to provide me any information on why they are contacting me. 

The rep did say it was related to my XXXX XXXX. XX/XX/XXXX, I contacted 5th/3rd bank and asked for a payout amount on my car loan. I issued them a check for that amount. Over 2 years later, they contacted me stating I owe an additional amount. 

I have made it very clear, I believe the loan has been paid in full and need an explanation of why they did n't contact me for 2 years and why they believe there is still a balance. They refuse to provide me any information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: SC

Complaint narrative:
On XXXX XXXX, 2016, we closed on a new house with a Mortgage from XXXX Bank and we made our first mortgage payment on time for XXXX XXXX, 2016. In late XXXX, I received a call from Freedom Mortgage saying they had purchased the mortgage from XXXX Bank. During this phone call, I asked multiple times where or who do I send my XXXX XXXX payment to and was told multiple times, I would skip my XXXX XXXX payment. I have since found out Freedom Mortgage has a recording of this call. 

On XXXX XXXX, 2016, I received a call from the collections agency of XXXX Bank ( now XXXX Mortgage ) informing me that my XXXX XXXX payment was late. After talking with the multiple people, in collections and customer service, I found there was no record of the mortgage transfer in XXXX 's system. As XXXX Bank just merged into XXXX, I was told later, it 's likely an error during the merger of the data from XXXX system to another. 

On XXXX XXXX, I also made multiple phone calls to Freedom Mortgage, the first XXXX people I spoke with again told me I did not need to make any XXXX XXXX payment, it was only until I spoke with a supervisor that I was told I did. I immediately disputed this and asked for them to pull and review the call. I also found out that a payment has been noted as being made to my mortgage account on XXXX XXXX, 2016 in Freedom Mortgage 's system which I did not make. 

I was very careful to ask, and asked repeatedly of Freedom Mortgage where to send my XXXX XXXX payment and was told repeatedly by multiple customer service representatives that I did not need to make this payment. The initial phone conversation with Freedom Mortgage made it clear to me that the loan had been sold and completely transferred to Freedom Mortgage as well. 



I took considerable effort and time in reviewing this issue with the Freedom Mortgage representatives before skipping a payment and was lead to believe by Freedom Mortgage that XXXX Bank XXXX XXXX no longer had any interest or ownership over my loan in late 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 2016-11-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IA

Complaint narrative:
The bank is making it nearly impossible to pay my auto loan. I have called almost 100 times and still can not get through to make a payment. My mother waited on the phone for an hour and got through to someone only to find out that they charge {$15.00} for making a payment over the phone. I need online access to make charge free payments and they will not grant it to me. I have charges that I do not understand and need to be explained except I can not reach anyone to do so.

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 2016-08-13 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I transferred XXXX WorldPoints from my Bank of America VISA card ending in XXXX to my Fidelity XXXX card ending in XXXX on XXXX XXXX, 2016. This is during the transition from Fidelity XXXX ( managed by FIA card services ) to Fidelity VISA ( managed by XXXX card services ), and I think it might have messed up my points because I still have n't seen these points after myFidelity XXXX ( ending in XXXX ) was transitioned into Fidelity VISA ( ending in XXXX ) on XXXX XXXX, 2016. The advertisement on the website said the points should be immediately available after the transfer, and however many points left on the old Fidelity XXXX card would be automatically available on Fidelity VISA after XXXX XXXX, 2016. 

I contacted both Bank of America and Fidelity for this issue, and they basically blamed each other. Bank of America claimed the points were already transferred over, whereas Fidelity claimed they had no way to see those points.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: ARVEST BANK GROUP, INC.
State: CA

Complaint narrative:
I purchased this home around XXXX XXXX XXXX with the intention of living here with my daughter, her husband and children. Little did we know at the time that the economy would take such a drastic turn for all of us. We attempted to manage as we have always stuck together as family, but the constant loss of employment and reduction in income finally took its tool. XX/XX/XXXX my son in law 's work was reduced and finally ended XX/XX/XXXX. This caused us to fall behind on the mortgage to the point that in XX/XX/XXXX I received a foreclosure notice. Fearing that I would lose the home and afraid to deal with some of the scams going on in the news I hired an attorney to see if I had an opportunity to keep the home. This ended up costing more money than what I had and finally ended up doing nothing for me as I was asked by my attorney to file chapter XXXX bankruptcy but this was dismissed from court in XX/XX/XXXX. During that same year my daughter and her husband separated and he moved out leaving us with less money to manage the household expenses. All I want is to have an opportunity to keep the home that we have fought so hard to get. My income along with my daughter 's and grandson should be able to manage a reasonable payment for us. We have seen that other people have applied and received assistance and at times they have worse situations than we do. I have attempted to talk to Central Mortgage Company to see if I 'm eligible for assistance and they only transfer me to other departments where I have to leave a message and no one except the collections department answers demanding that we pay what is owed. I really do n't know where else to turn. I was told to write to you but I fear it might be a little too late as they have my home scheduled for foreclosure sale on Friday XXXX XXXX XXXX at XXXX XXXX. I really do want to keep my home and a modification program or principal reduction program might be my only hope I have. Please help me at least get a fair chance to be reviewed for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XXXX/XXXX/2016 to XXXX/XXXX/2016, I was a victim of fraud for my capital one credit card. In lieu of this, capital one cancelled my credit card. I had a good standing for my credit card, making payments on time and trying to rebuild my credit. Someone opened up another card and I was not notified. I do n't think capital one asked for my information before letting this fraud occur. How can someone just call and open up an account by saying I moved and my card was stolen without capital one calling my phone to make sure it was me? I am devastated about this. And how can they just rip my credit card from my life because of fraud? They gave me a new number for a new card and made up a secret code and question to be answered before anyone can get information yet, still took my credit away from me. I did nothing wrong at all. I do n't understand why I cant have my card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In 2014, my credit card number was hacked and used to apply an illegal charge to my account. When I reported the charge to XXXX XXXX, they removed the illegal charge and canceled my card so it could n't be used again. They also said they would issue me a new card but they failed to do so, now claiming I had bad credit. As a result of this action, my credit score of XXXX dropped to XXXX. I finally obtained a new XXXX card from my bank. However, now my credit score is XXXX from Experian, XXXX from XXXX. Now I need to obtain a home purchase loan and this significant drop in my score is affecting the loan repayment loan. In fact, I have perfect credit. I 'm XXXX years old and have never failed to make a payment on any loan. So why am I being penalized because someone else committed fraud and affected my credit?

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 2015-11-09 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Can not access my own annual credit report, as well as questions prior to checking my credit report, the XXXX questions to verify my identity were answered all none of the above referring to prior loans never opened by me. Victim of identity theft and fraudulent activity

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: HI

Complaint narrative:
I have spoken with both XXXX ( where the alleged debt came about supposedly starting in spring 2014 ) and Enhanced Recovery Company and XXXX say I do not have a debt with them, nor can they find an account in their system, yet they continue to keep a debt in collections on my credit report after repeated requests to remove it ( and assurances that it would be done ). 

When speaking with XXXX, they are adamant that I have no account with an outstanding balance nor have I ever. My husband has the cellphone bill in his name ... .with a completely different company. 

When I called Enhanced Recovery Company the representative searched and could find no record of an account for me, yet they refuse to remove this fraudulent and completely false record from my credit report.

Company response to consumer: Closed
Consumer complaint received 2017-03-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANCO POPULAR DE PUERTO RICO

Complaint narrative:
I ca n't pay no more the apartmente because of XXXX. I want to deen in lieu the apartment but the bank do n't want to received it.

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 2016-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Viking Client Services
State: FL

Complaint narrative:
I am getting repeated calls since XXXX XXXX from this entity calling from XXXX They are ssking for some other person who I do not know. I have had this cell number for many years. I tell them it is not me and to remove me and they continue. I call back and they say it takes two days but now it is numerous harassing calls and they number they leave to call back is this same number but the voicemail is full so they hide behind the fact that you can not leave a voicemail. The first day it happens I did leave a voicemail but now can not. Please prosecute pas this is not me and they continue to harass me. XXXX XXXX is their reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Financial Business and Consumer Solutions.
State: FL

Complaint narrative:
Today I checked my credit report, and there was an unknown medical collection from FBCS Inc, account number XXXX. I have never heard of this company, I have never received any information pertaining to the bill or collection in question. I have no idea what it is from, or where it came from. My credit report says that this is a medical collection that was assigned on XXXX. FBCS, Inc. had plenty of time to send me a " debt validation notice '' prior to inserting this onto my credit report, but has failed to do so. 

FBCS lists the original creditor as XXXX. I have never opened an account with XXXX, nor have I ever received a bill from them. Nor did I ever receive any communication from FBCS. INC. My address is listed on my credit report yet they never sent me a " debt validation notice '' prior to reporting these accounts to the CRA 's like they are required to by law. FBCS XXXX failure to send the Debt Validation Notices to me prevented me from exercising my legal right to request debt validation of the alleged debt at the outset. Since I have never received one they are in violation of Section 809 ( a ) the FDCPA, 15 U.S.C. 1692g ( a ). 

Under HIPAA privacy laws FBCS. INC. should not have any of my personal medical information, unless they have a " written '' agreement with their " client '' that grants them the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the XXXX, SEC. XXXX. They also have to provide an agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. 

I am not pleased with the federal bond and collection, they have failed to attempt an explanation of my " supposed debt. '' I would like this removed immediately from my credit report, and for the company to never contact me. This practice of not contacting and ruining someone 's credit is unjust.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
I get a call from XXXX telling me that I am being served at home or work. I called the number and spoke to XXXX . XXXX who said I was being taken to court before I was even told who I owed. After he told me it was 5/3 Bank he asked my intentions and I told him this was paid a couple of years ago. He told me it was n't and he 'll see me in court. I asked if this call is recorded and wanted to know the name of the company. He wanted to know why and I said because I 'm going to file a complaint and sue them also. He said I could n't afford to sue them or I would have paid the credit card. I reminded him that the card was paid and I will follow through. He refused to give me the company name. I called back several times and got someone there to tell me the name is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 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/2016 I closed all my accounts at Fifth Third Bank due to a history of bad customer service. I asked for a check with my checking, savings, and Access 360 Debit Card balances. The bank manager only printed me a check for the checking and savings balances. She said that in order to get the Access 360 account 's money I had to call Customer Service. After this I had multiple failed attempts to get to the right customer service department to close and refund the 360 account. The balance was around {$30.00} and so I decided at that point to just give up. Then in XX/XX/XXXX I realized that Fifth Third was charging me a monthly fee for not using the Access 360 Account which I do n't have access too and they have not allowed me to close. I called them on XX/XX/2016 and was on the phone over 1 hour because the customer service representative told me that only a local branch associate is able to close this account. I explained my ordeal and she had me on hold while she was not successful in reaching a local branch representative within various local locations. She then transferred me to her supervisor, XXXX, who hung up on me. XXXX then called me back the next day telling me to call back for assistance. The bank is still charging me the monthly dormant account fees and they will not close and refund my balance. I can not spend more hours on the phone just to keep them from charging me a monthly fee. I will like them to refund me the money that I had in this account, permanently close this account, and stop any more fees from incurring.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Southern Oregon Credit Service, Inc.
State: OR

Complaint narrative:
I have recieved numerous calls from an individual who names me and says i need to return his call and that his name is XXXX. The number that came up on my caller id was different then the return call number left. I googled both numbers and found out that it is a collection company. They never said who they represented or what the call was about on the message. Just that i need to call them asap.

Company response to consumer: Closed with explanation