vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
We applied for a streamlined refinance on XXXX XXXX, 2015 with Freedom Mortgage. Initially, we were told the process would take XXXX3 weeks. Since that time, we have been through several processors at Freedom Mortgage, so we never know who to contact for questions. We have been promised several closing dates ... of which all of them have come and gone with little to no explanation. They stated once that part of a delay was they were waiting on us to send a subordination agreement ... of which I had sent them XXXX times previously for their approval before having my XXXX mortgage lender sign it. Then ... when Freedom approved the subordination, I overnighted the signed document to Freedom ... only to find out several days later that they needed the subordination changed. We are fed up with this process and do n't understand the consistent delays with the complete lack of communication.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Financial Business and Consumer Solutions.
State: TX

Complaint narrative:
FBCS INC HAS BEEN WITHDRAWING MONEY FROM MY CHECKING ACCOUNT IN THE AMOUNT OF XXXX DOLLARS PER MONTH. THIS DEBT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY. FBCS INC COLLECTION AGENCY HAS NO WRITTEN AUTHORIZATION FROM ME TO WITHDRAW ANY MONEY FROM MY CHECKING ACCOUNT FROM XXXX. SINCE FBCS INC HAS NO WRITTEN AUTHORIZATION FROM ME TO DO SO AND NEVER DID GET ANY FORM OF AUTHORIZATION THEY NEED TO CEASE ANY FURTHER COLLECTION FROM MY CHECKING ACCOUNT. THEY NEED TO UPDATE THEIR RECORDS TO SHOW DISCHARGED IN CHAPTER XXXX BANKRUPTCY AND PAY ME BACK FOR ANY MONEY THAT HAS BEEN WITHDRAWN FROM ME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
In XX/XX/XXXX, we took out a land loan from M & I bank for {$42000.00} at an interest rate of 8.5 % for XXXX yrs. This complaint was previously filed as case # XXXX. I am attaching a copy of our statement to show that after paying this loan for 8 years, we have decreased our principle only by {$4800.00}. So far, YTD, we have decreased our principle by {$180.00} ( this is through XX/XX/XXXX ). We spoke with XXXX XXXX ( BMO Acct Mg ), and he wanted us to apply for a new loan, pay the fees and the appraisal, but then he could not guarantee us that they would do the loan or what the interest rate would be. They have the loan. It would be in their best interest to help us to reduce the interest rate and make the payment more affordable as well as assisting in paying off the principle. I do n't see how, at this rate, we are ever going to pay off this loan within 22 years. Also, 8.5 % is a high interest rate in today 's market. We need assistance in getting this loan payment reduced. My husband is now retired and I am the sole payer on our loans. We would like someone to please look at this and assist us as BMO has not assisted us at all. They have no interest in helping us.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Adjustment Service, Inc.
State: TN

Complaint narrative:
Despite written communication asking them to cease communications ( notice received on XXXX ), collector continues to contact me ( last call received XXXX, XXXX XXXX ). Collection company violated FCRA by not verifying whatever this debt is and by continuing calls after receiving a do not call notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 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 called Avant credit today, XXXX/XXXX/15 and was told to speak with debt management. I was transferred to them and the woman hung up on me and did not follow up. 

I am concerned about this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
I have received continuous collections calls from my mortgage company, Freedom Mortgage. on Wednesday, XXXX at XXXX MST, Thursday XX/XX/XXXX at XXXX MST and today, Friday XX/XX/XXXX at XXXX and spoke with XXXX who identified her " teller ID '' as XXXX. I also continue to receive several offers for FHA Streamline refinancing, which is ironic, because Freedom Mortgage nearly foreclosed on my house just a few months ago. I 've contacted the numbers provided on the offers and have been informed by several employees that I should not be receiving these offers and should not be receiving collections calls because the payments are being made by a third party due to the HHF program I am currently on. Freedom Mortgage continues to exhibit the bondage of the predatory loan they originated, as my home in just 16 months is nearly $ XXXX under the value, although it was a new build. They begin foreclosure processes, offer FHA Streamline and call for collections, all without knowing what one department is doing versus the next. I would like for some remedy to occur for the constant harassment I experience through and from this 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 2015-11-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I am in the process of refinancing my home loan. The previous lender sold my loan to XXXX XXXX. I have requested a " net escrow '' payoff from my new mortgage lender since XXXX XXXX, 2015. There have been several requests since then. I have called in and also faxed in a request several times, with no success. They keep sending me a regular payoff. I had {$2400.00} in my escrow account that was to be deducted from the payoff balance. They keep saying they have processed the request. Two weeks ago they sent out a payoff only showing a balance of {$1100.00} and the property taxes are n't due until next month. Last week I requested documentation that shows what happened to that money and have received no explanation. This delay has caused me to lose my rate lock and now rates have gone up, which is now costing me thousands of dollars in back end interest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have a mortgage with fifth third. I have never missed a timely payment. They are listing me as late for a month and reported it a negative on my credit report. They failed to apply a payment so it was not my fault. I have tried to work through the issue with them without any success. I recall receiving a letter from them that they had mis-reported the payment but I can not find that letter. It is wrong for them to report me as negative and I am requesting that they report it correctly. Attached find the payment history. Apparently the bank decided to increase the escrow. I did not recall receiving any notice of the increase. I paid the XXXX amount ( see attached bank statement check XXXX ). The payment history shows that as unapplied even though I paid the mortgage and interest. It is wrong for them to report me late when I paid on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IA

Complaint narrative:
Both my family and myself were contacted by someone who identified themselves as investigators. They did not identify what company they were from and have been contacting us on unknown/restricted numbers. My family contacted me to express their concerns, as they though that the investigators were trying to reach me because of a criminal complaint. We feel that we are being bullied by 5th 3rd Bank and their 3rd party company, XXXX ( sp? ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IN

Complaint narrative:
My check was fraudulent from a potential employer. I did not know this before the submission to the bank since I was seeking an employee account. When the bank informed me that the check was a fraud. They then requested documentation of the entity that sent me the check. The next day I went to the original banking center and submitted the documents I had. I asked The representative to call or contact my Credit bureaus and informed them of my intrusion into my finance. the representative then stated " no that 's not my position '' and decline to inform the authorities about my encounter. I further informed Him that this is the XXXX time I have been sited for this kind of fraudulent conduct and he still stated that he would do nothing on my behave or " not his position ''. How can we Americans stop this type of intrusion unless we have better assistance with these needs. Life, Liberty and the Pursuit of happiness comes in where on this matter? Thank You for you consideration on this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 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: FIFTH THIRD FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XXXX XXXX, 2015 XXXX I received a call from a collection agency regarding a bill that I have multiple issues with. 
1 ) I never received a statement from original creditor as I had moved and had informed them of this, which they made no attempt to obtain my new address. 
2 ) The last time I spoke to original creditor I requested my account to be closed, told then to keep the {$20.00} balance and then I cut up my debit card. Never used account again. 
3 ) The first time I was informed of this debt it had been sold and I was informed by 2 of their collectors that I could not dispute the bill. ( this was around XX/XX/XXXX ) 4 ) The next collection agency called me XX/XX/XXXX informing me of bill. I gave them my current address and requested bill and advised the company I was disputing bill but wanted a letter to respond in writing. never received letter. 
5 XXXX Now I have reached the last incident. XX/XX/XXXX Again was contacted by a different agency. Updated my address AGAIN. advised the collector I was disputing the bill and that I wanted a letter. He then informed me that because I was verbally disputing the bill I was not entitled to a letter from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
My mortgage was transferred form XXXX XXXX XXXX XXXX to Freedom mortgage. I was not notified that I would be required to change my account/ loan number for online bill pay. I continued to make my mortgage payments via my bank bill pay until I received a letter from Freedom Mortgage stating I had missed XXXX XXXX payment. I confirmed that the payment was processed with my bank and the payment for XXXX 2016. My bank stated the payment had been sent to my previous mortgage company. Freedom Mortgage assessed late fees and turned the delinquency over to collections hurting 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 2015-08-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
I am able to pay my mortgage to Freedom. 
This is regarding Freedom soliciting a new refi. 
They called me at least XXXX times. The final time, I accepted. Then they took like XXXX months tostart the process, so I cancelled the refi. Nowthey are uncooperative. I understand that I am still aFreedom mortgagee, however they have beenuncooperative.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I became aware that Wells Fargo Bank , NA as servicing agent to XXXX Bank XXXX, as Trustee for Adjustable Rate Mortgage Trust XXXX, Adjustable Rate Mortgage Backed Pass Through Certificates, XXXX XXXX with the aide of XXXX Law Group and XXXX XXXX XXXX XXXX XXXX XXXX filed a fraudulent APPOINTMENT OF SUBSTITUTE TRUSTEE with the Recorder of Deeds for Washington DC know as instrument number XXXX. This document has forged signatures for a XXXX XXXX XXXX and forged signature for a notary XXXX XXXX XXXX that also has a fake internet purchased notary stamp. I do not have a contract with these people and I am requesting that the CFPB start to investigate this criminal matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I went to a Wells Fargo ATM on Tuesday XXXX XXXX to deposit cash and a check into my account to cover expenses, after inputting my card and pin, the ATM said it was not taking deposits. 

I then traveled to another Wells Fargo branch and ATM only to have the same problem there. 

The next day ( XXXX ), same exact problem, at both branches ATM 's. The following day ( XXXX ) after work, I tried again, after dropping off my rent check which I knew would go through right away. This time I was able to deposit at the ATM, however, Wells Fargo still gave me overdraft fees on XXXX before they posted my check going through on XXXX even though I deposited it on XXXX. 

I called Wells Fargo and they would not discharge the fees because it was n't a bank error, and told me it was my responsibility to inform them if the ATM is not working and that they had no record of me attempting my deposits on XXXX or XXXX, only the deposit I finally made on XXXX, but that because my deposit would n't go through until XXXX, they would not waive my overdraft fees. 

I do n't understand how they would have no record of my first XXXX attempts over 2 days to make my deposit at XXXX different ATM machines when I had to input my pin at those machines, plus I know I am on camera standing there at the machines. 

Why is it my responsibility to inform them their ATM 's are n't working for 2 days when they are attached to the bank? 

Contacting customer service was absolutely no help since they claimed that they have no proof that I attempted to deposit or even visited these ATM 's on XXXX or XXXX - despite me mentioning that I am on camera at those ATM 's and they accepted my card and pin before telling me they could n't take a deposit. 

If I input my card and pin at those locations, and I 'm on camera, how is there no record of me being there? Also, this is not a bank error? And why am I suppose to inform them their ATM does n't work? 

Not to mention after I did make my deposit, they still charged me overdraft fees because they posted those first before my actual deposit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
On XXXX/XXXX/2010 I, purchased a new construction home through HUD First-Time buyer program. Wells Fargo Home Mortgage originated by mortgage documents for HUD. 
After closing I had discovered the home was never inspected during any phase of construction. The building permit was not valid, and the certificate of occupancy should have never been issued without inspection reports. The Builder 's Certification of Plans, Specification, & Site form was also fabricated. The individual who signed as a member of XXXX Properties is NOT a managing member. A building permit was never sent to the XXXX County Assessment Department, which is also required. HUD requires the lender to report allegations of fraud to the HUD XXXX office for further processing, but Wells Fargo has never reported anything to HUD XXXX. I kept trying to reach Wells Fargo the day after closing, but never received any reply. A few months later I receive a letter from Wells Fargo stating my mortgage had been sold, and XXXX Bank would be servicing my mortgage. 
Wells Fargo never addressed the allegation 's of fraud, and sold the mortgage to clean their hands of it. Wells Fargo would send letters stating they could not help with the issues, but under law they are suppose to refer the complaint to HUD XXXX. Wells Fargo, and XXXX Bank have continuously denied the alleged fraud. I have received form letters from both institutions denying fraud had accrued during origination. At the end of the day Wells Fargo, and XXXX Bank are defrauding XXXX XXXX, HUD, and I. All correspondences to my home were fabricated , XXXX does not exist, XXXX Properties Registered Agent has filed a statement with Attorney General XXXX XXXX 's office " XXXX Properties did not build the home, or receive payment for the purchase of the home, and has no documentation regarding the sale of the home '' Wells Fargo 's underwriters failed to comply with HUD property requirements. The City of XXXX XXXX terminated the employment of Public Works Director, and City Clerk for fabricating documents to my home, how is that not PROOF?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have contacted Experian, I have also provided them with a letter from the furnisher of the information and yet Experian fails to remove the erroneous information that is outside the reporting period as it has passed 7 years and the statue of limitations for this debt have also passed. Experian continue to report XXXX/ XXXX on my credit. While the lender who purchased it from the original creditor states there is a zero balance Experian continues to report the original creditor with comments purchased by another lender thus not verifying that the debt is not owed. Such information should have been deleted when I asked months ago. Experian is in violation of FDCPA and the FCRA.

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 2016-12-27 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: Radius Global Solutions LLC
State: WA

Complaint narrative:
This charge in the amount of {$420.00} was paid on XXXX/XXXX/2016 to Central Credit Services. I have all supporting documentation showing proof of payment. On XXXX/XXXX/2016, i received notification from XXXX stating it had posted as a 'collections ' account. I called Central Credit Services and they told me i still owed the amount that was paid on XXXX/XXXX/2016. I faxed proof of payment. They verified it was received but were not willing to tell me if my balance was now cleared and in good standing. I am now in process of disputing this charge through XXXX. I 'm concerned that since they wo n't verify that my account is settled that they are trying again to steal the {$420.00} from me.

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 2016-11-13 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: FirstPoint Collection Resources
State: VA

Complaint narrative:
I have paid this debtas of XX/XX/2016 {$350.00} why is this still in collection. I have the receipt that was sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: DISCOVER BANK
State: GA

Complaint narrative:
Called my parents job and house phone number that I didnt give to attempt to collect a debt from.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CO

Complaint narrative:
Seterus purchased my loan in XXXX 2015, I sent in additional principal payments, that were applied to future months regular payments both Interest & Principal. I asked for payoff amount and sent in check for that amount. It was also applied incorrectly and now receive notice that I still owe {$7.00} for the XXXX payment, should have been paid off at the end of XXXX. They also now want me to pay for flood insurance XXXX {$630.00} XXXX to cover {$78000.00}. I have contacted them numerous times and have been told someone will call me back. Still have n't heard back from anyone, wonder if I will ever get my deed. They use terms like we will have this dealt with in 30 days. Also wonder if they will acknowledge they took interest money that was for in future months.

Company response to consumer: Closed with explanation