vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I would like to complain against XXXX, Transunion, and XXXX. This company XXXX XXXX put a XXXX inquires on my credit report. XXXX for XXXX, and the other XXXX for XXXX. XX/XX/XXXX and XX/XX/XXXX. They are calming that I did not pay XXXX and I had a dog that died. I called the company and cancel service, and was told that they were sorry for my lost and all I needed to pay was my cost to get my dog cremated and that was what i did. I really want this removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I enrolled in Fifth Third auto bill pay for my mortgage in XX/XX/XXXX or XX/XX/XXXX of this year. I received a letter stating it was active in XX/XX/XXXX. However, that letter did not state whether my next mortgage payment due on XX/XX/XXXX would be made automatically. 

Seeing that it had not been made, I manually paid the mortgage the morning of XX/XX/XXXX. On XX/XX/XXXX, I learned 5/3 accepted my manual payment as well as initializing the auto bill pay later that day - effectively paying my mortgage twice. After several waits on hold and attempts to find the right department, I spoke to a customer service rep on Monday, XX/XX/XXXX, who told me she could reverse the auto-bill payment and the funds would be returned in 2-3 days. On XX/XX/XXXX seeing that the funds have not been returned, and my 5/3 online account shows no evidence of anything happening, I called 5/3 customer service again. 

On XX/XX/XXXX, I was told that it takes 2-3 days for an internal approval, and then 5 business days for the funds to be returned. My online account shows no evidence that this process has begun and no one I 've spoken to at 5/3 can offer any assurance that it will actually be 5 business days. 

Additionally, nothing on the 5/3 online banking site ever showed that auto bill pay was active or what day the payment would be automatically made. I 've asked both customer reps I spoke to about this, and neither could offer any insight. Clearly they were completely unaware what the customer banking portal looks like.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: Sigue Corp.
State: TX

Complaint narrative:
Please I need your help urgently. I went to Sigue, a money transfer company to transfer money to my family which needed it urgently but the company has been coming up with XXXX excuse upon another and have since refused to send my money. I have provided all the requirements they asked for upon transaction and I have later provided series of other documentations which they kept on changing o no avail. 
I trust you will like to expose them and call them to order at the very least. 
I am desperate for your need to help get this money transfered asap for the urgent purpose which I needed it for. 
I look forward to hearing from you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I have/had account ( s ) with PNC Bank, some for 25+ years & others current accounts. For some reason they have closed them. They tell me to go to my bank account disclosures. This makes no sense to me. I maybe " being '' discriminated against by PNC Bank, I do n't know?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company
State: IL

Complaint narrative:
On a daily basis we continue to receive calls from a company named Focus Receivables at XXXX. When we answer, they either hang up or we have to wait until were transferred and request we 're taken off the list, which they say they will do but do n't. When we do n't answer, a recording goes on that says someone else 's name - it 's mushed and says something like XXXX XXXX or XXXX something, and says a case has been filed against this person for dept.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Moria Development, Inc.
State: FL

Complaint narrative:
I started a loan application with Peoples Mortgage Company, because they have a program called XXXX program. I was sign to XXXX XXXX, to work with me to be able to get a mortgage. Me and my husband had a lot of credit issue that I was trying to explain to XXXX XXXX but he was not trying to hear me. He felt like it was not his department and was turning me over to a credit report program. But the problem was I had to do couple of police reports because my oldest sister use my information to create debt in my name. This was the first problem with XXXX XXXX, he came over to me and husband as not friendly or a people person that work with the public. After Mr.Sheff information to me I just started to work on my credit in less than 10 days I have XXXX items fix on my credit on my credit report. The next I spoke to XXXX, I let know and I ask him for a pre- qualification letter. This is what XXXX had to say to me, '' XXXX XXXX, As of today 's date you do not qualify to buy a home. With your current debt and current income you do not qualify. If you 're looking for a dollar amount - I 'm sorry to have to tell you but Zero dollars {$0.00}. You do n't qualify to buy a home right now. There is quite a bit of work that needs to be done concerning your debt before you will qualify to buy a home. Even if your credit was perfect - your student loan debt is putting your income out of range to qualify for more than just about enough to buy an inexpensive car. I 'm sorry to have to tell you this but we seriously need to get control of your debt and pay your student loans down before you will qualify. '' This man cause me to be upset all day long at work, never been hurt so bad in my life. If your working with the public you have to be careful of what you say to a person because you do n't know how much your words hurt someone and you are representing a company. 
If you have any questions please feel free to call me in the office, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX DIRECT : XXXX | MOBILE : XXXX FAX : XXXX EMAIL : XXXXXXXXXXXX XXXX Licensing : AZ XXXX XXXX XXXX XXXX Company Licensing : AZ XXXX CO, Regulated by the Division of Real Estate XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation
State: TX

Complaint narrative:
I took out an instalment loan in the amount XXXX every month i made a payment of {$110.00} without failed. last month i a payment of {$830.00}, while in the web site they said my balance is {$1900.00} however they made an inacurate report to the credit reporting burea, to XXXX {$2600.00} to XXXX {$2500.00} this is innacurate and they refused to correct the balance due unfair reporting that unnecessary increase my debt to income ratio.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
Fifth Third Bank manipulated my account to obtain additional fees. They have violated banking practices by delayed posting of transactions resulting in a circle of misinformation and discrimination on the basis of account type. The bank advised me they process all transactions twice through overnight processing and systematically reject transactions to obtain ATM and overdraft fees on savings accounts which is not permitted and do not operate with the opt in or opt out policy for overdrafts as required by federal regulations. Upon notification to the bank I was advised their resolution was to coach their employees and continue operating under these practices despite knowledge this was against regulation. The reference ID I was given for this matter is XXXX and I spoke with XXXX and XXXX both supervisors in the department regarding these illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Franklin Credit Management Corporation
State: CA

Complaint narrative:
My XXXX mortgage was originally with XXXX XXXX XXXX, who went out of business and the servicing of my loan was transferred to Franklin Credit aka XXXX. They have been nothing but a nightmare refusing assistance unless it is in the form of usury. They refuse to comply with California Statues, specifically, the HBOR. My wife and I were so nervous we completed the application for mortgage assistance incorrectly stating the yearly amiount of income the column which called for monthly. Based on that mistake, Franklin Credit demanded {$24000.00} down and {$1400.00} a month on a {$110000.00} which was originally {$70000.00} and when we emerged from bankruptcy it was only {$56000.00}. I explained the mistake to Franklin Credit who refused to give me another application stating it was too bad and that the loan was recasting. My calculation shows {$110000.00} is at 9 % for 120 months ( 10 years ) however, my original note was only at 8 % for 30 years and my original payment was {$600.00} a month. Furthermore, Franklin does not indicate where the {$24000.00} dollars requested would be applied to. These tactics have XXXX my wife and out, my total monthly income is only {$7000.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07 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: Diversified Adjustment Service, Inc.
State: NC

Complaint narrative:
XX/XX/XXXX, XXXX sent a package to my XXXX NC home, and it was immediately returned. I never purchased anything from XXXX, nor did I ever attempt to open any account with XXXX. I am a XXXX, so when I came home for break, I seen that I had a collection letter from XXXX dated XX/XX/XXXX, stating that I owe {$810.00} for an unauthorized account. I honestly do not know what is going on and why I am receiving this 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 2017-01-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
I had a mortgage with Fifth Third Bank. XX/XX/2016 I paid off my mortgage. At the same time the tax bill from XXXX County arrived, for the amount of {$770.00}. Fifth Third told me that because the mortgage was paid off they would not pay the tax bill and I should pay it directly. I did pay it myself, but it turned out that so did Fifth Third, and they deducted that amount from my escrow pay-off. However, when I called the XXXX County tax bureau in XXXX, they said they only received one payment -- mine. They told me if they had received 2 payments they would not have processed the second payment. They would have simply sent it back. So, even though Fifth Third said they paid it, that payment has never been processed. I have no idea if their check was ever issued or is lost or whatever. But the tax authorities only received my personal payment. I have contacted Fifth Third numerous times, and all I get is the runaround. First they told me they need more time to investigate the matter, to make sure the payment was not completed. Then they told me they need more time to process the refund. Then last time, on or around XX/XX/2016, they told me the check was in the mail. This turned out not to be true, since no check has arrived. It is now 2 and 1/2 months, with no resolution in sight. Fifth Third is being totally uncooperative and unhelpful. They should be made to return my money. Here is a copy from the Fifth Third Website indicating they deducted the payment from my escrow account on XX/XX/2016. 
XX/XX/2016 XX/XX/2016 ESC DISB - TAXES {$770.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Helm Associates
State: PA

Complaint narrative:
I purchased the vehicle through B & B Automotive. Within the first 24 hours i had nothing but issues. So bad the car was taken back and put in the shop for 24 hours. From that point on i have nothing but problems with my car. It was in and out of the shop 8 times within 30 days. Within my rights as a consumer they had told me that i could return the car for another car because that car was considered a " Lemon '' but i could n't put it through the Lemon Law Act because it was a 2005. At this point they picked up my car and reported that i turned it in voluntarily. Which was not the case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation
State: AR

Complaint narrative:
This loan violates Arkansas usury law because the interest rate is above the cap.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
My husband and I initiated the loan application process with Fifth Third when we found a house we wanted to purchase. They sent all of our loan documents ( with our personal/sensitive information ) to an address where we do not reside. It is lost, along with all of our information. Moreover, they have now fallen so far behind on the documentation that it is unlikely we will close as scheduled which could result in losing the house. I can provide detailed information to a representative.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: IA

Complaint narrative:
I have contacted Freedom Mortgage Corporation on XXXX separate occasions to remove my PMI insurance since we own more than XXXX % of our home. I have submitted a written request to Freedom Mortgage to remove it. They then requested an appraisal, which I also submitted. However, since I did not use one of their vendors for the appraisal they denied my request. They are now contacting me to try and barrow me more money because they have an " updated '' value of our home. All I want is my PMI removed. The customer service has been terrible. 

Purchase price of home was {$160000.00}, principal as of XX/XX/2016 was {$130000.00}. We are still getting charged PMI.

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 2015-08-12 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: VA

Complaint narrative:
I purchased a {$500.00} gift card at XXXX VA. The transaction was approved and went through, but when I later tried to use the card, I found out the card was frozen. Someone had tried to use the card before I had bought it at the store. The {$500.00} was never loaded onto the card. I was asked to fax in information on XXXX XXXX, which I did. I was told someone would reach out to me, but nobody ever did. I finally called in and was told I needed to scan the receipt as well. I went ahead and did that. I 've called in every single day since, and they ca n't even confirm they 've received my fax. Still, nobody has reached out to me. It 's now past the 7-10 business days timeframe I was given. I just want a replacement {$500.00} gift card. I 've already had to pay the credit card charge and now I 'm in financial duress because of this company 's failure to respond in a timely manner to gift card fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have NEVER lived I 'm XXXX. I have told XXXX credit bureaus previously. My ex-wife and my daughter lived at these addresses in XXXX. I lived on XXXX from XXXX until XXXX XXXX. I moved from there to XXXX. I never lived in XXXX. I WOULD APPRECIATE XXXX credit bureaus removing the XXXX addresses from my record and put my correct addresses on my record. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I had a secured XXXX XXXX Credit Card with a credit line of {$200.00} for several years. Recently XXXX XXXX issued me a XXXX XXXX XXXX XXXX unsecured card with a credit line of {$500.00}. Since I received the unsecured card, I did n't think it was necessary for me XXXX have XXXX cards with the same company so I contacted XXXX XXXX to request them to close the secured account. The account was paid in full and they are sending me the balance that was left in the savings account that secured the original card. Immediately after I closed the secured account, my credit score dropped tremendously which I think is totally unfair. I am in the process of trying to qualify for a home loan and my credit score has been negatively impacted because I paid off an account and closed it to avoid having duplicate accounts with the same company. This practice seems totally unfair and consumers should not be penalized for choosing to pay off and close accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My lender BofA put a force placed insurance policy on my house at XXXX times the market cost of the actual policy. During that time all my payments were made electronically each month and I was never late prior to them adding about {$1500.00} per month to my bill to cover their profits from insurance company they owned. Furthermore they kept my payments in a suspense account and eventually returned via cashiers check instead of applying funds to XXXX missed payment. Following that time they tried to entice me to move by offering me {$.00} then a deed in lieu ( which I never applied for but was turned down ) and finally the year long modification process. During that time I met with a real person at BofA who told me if I hired an attorney I would NOT get a modification and that I should NOT replace lender placed insurance until after the modification ... even though it would save over {$700.00} per month. Although I know I qualified for DOJ mod, I was continually denied. Furthermore by not applying funds to XXXX and XXXX missed payments i believe they violated fair credit reporting. I am currently facing foreclosure for an escrow shortage because of force placed insurance!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: AES/PHEAA
State: MI

Complaint narrative:
Back in XXXX, I was talked into a very expensive education loan XXXX. At the time the job I had was going to end and their was really no jobs XXXX available because of the economic conditions. As I went through the training I realized I would never get a job in this field because #! I did not have any experience in the XXXX field and on top of that there were literally thousands of people being talked into these training programs because of the poor economy and fear they needed to retrain so they could get a job. The initial loan was {$15000.00}. I have been paying on it since XXXX and the balance is still over {$12000.00}. It is not scheduled to end until XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Blackhawk Network Holdings Inc.
State: PA

Complaint narrative:
XXXX has discriminated against me by not letting me create online account also, Filed a dispute not providing any help for dispute, XXXX rep XXXX, states that it takes 90 days to resolve a dispute. Card number XXXX Exp XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Healthcare Collections-I, LLC
State: AZ

Complaint narrative:
While checking my credit report I noticed XXXX medical collections. I disputed these debts reported by XXXX for 1.XXXX 2.HEALTHCARE COLL I LLC. I never received any information about these alleged debts and despite disputing them with the credit reporting agencies they did not verify the accounts however they still remain on my credit report. I never received any notices to dispute by the collection agency.

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