vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-26 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Making/receiving payments, sending money — 
Company: PNC Bank N.A.

Complaint narrative:
I received a check form the State fo Delaware Office of Unclaimed Property in XX/XX/2016 and this was placed in my XXXX account for clearance. The bank sent this check to PNC Bank in USA for clearance on or about XX/XX/2016 and upon my follow up on XX/XX/2016 ( 8 weeks after presentation ) and a telex to PNC the check was returned on XX/XX/XXXX and I was informed as follows : Date : XX/XX/2016 at XXXX Subject : RE : XXXX- Inward XXXX cheque The update we received from the inwards cheque clearing team is as follows : 1. The original cheque was returned back to XXXX. 
- No reason was given on why the original cheque was returned to XXXX 2. The cheque clearing team has sent the drawee bank a demand draft for the upfront fee XXXX and the Cheque has been re-sent to the drawee bank via DHL On XX/XX/XXXX I requested an inquiry and was told telex and messages were sent to PNB but no response. On XX/XX/XXXX I escalated this to Officer in Charge and received this response : " We have just spoken to our Payment team & our investigation showed that we have since sent 6 SWIFT messages & 3 chaser emails to PNC Bank pertaining to this matter but we have yet to obtain any response on this matter. 
You may like to approach XXXX ombudsman and lay a complaint if there could assist us in obtaining a reply from drawee bank PNC. '' PNC has had this check since XXXX to date and has failed to either cash this check or provide a response. They have taken the payment of XXXX ( XXXX ) and ignored status inquiries. In another 2 months this check will expire and I will have to have it reissued at considerable expense and time. This is unacceptable for cashing a US department check and I would lke to know what PNC intends to do to remit the said funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Since XX/XX/XXXX I have received a promotional offer of {$200.00} to open a new checking account with BMO Harris Bank. It is now XX/XX/XXXX and I have yet to receive my incentive for opening a new checking account. Every quarter I brought it up to the personal bankers and Branch Manager and I have not had a resolution. This bait and switch advertising tactic to encourage people to open a new checking account should be illegal. I have not talked to them in almost 4 months because it 's a waste of my time to try to collect something that will never appear. The branch location is XXXX XXXX XXXX XXXX XXXX, AZ XXXX. XXXX. Customer Service says there are no notes on the account showing my request and I 've brought it up to them in 6 or 7 different instances.

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 2015-09-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: ID

Complaint narrative:
My husband and I are in the process of divorcing. Our children and I remain in the home that he and I have a mortgage on through Nationstar Mortgage. Due to the debt to value ratio being severely upside down my husband 's lawyer advised him to file bankruptcy on the home. He refused to speak with the mortgage company. They called me and I informed them of our current situation. I asked them if there were any options available for me to be able to take over the payments and full ownership of the home. They provided me with a few options and informed me that because my husband had stopped paying the mortgage for the past 2 months that if I wanted to have any chance of saving the home I had to make up those payments as well as make the current payments. I let them know that as a stay at home mom who was just starting back into the work force I was n't positive that I would be able to do that. The representative told me it was the only way and that I would have to make XXXX {$750.00} payments for the next two months or the phone calls would n't stop. I told him I was n't comfortable making the commitment at that time on the phone but would think about it and get back to him. He continued to pressure me into setting up the payments before I got off the phone. I refused XXXX more times and his pressure continued and so to get off the phone with him I agreed with the intent to call back and cancel the payments. I called back before the first payment was due at the end of XXXX and said I could not afford the payments and asked for them to be cancelled. The XXXX payment was not processed. To my surprise on XXXX XXXX a payment for {$780.00} was processed in my checking account. I immediately called the mortgage company and informed them that the payment should not be occurring and that they needed to stop it because I had requested it to be cancelled and I did n't have the funds in my account. They said they could n't because it had already processed. I called the branch of my XXXX account and asked them to stop it and they said they could n't either. I 've spent a great deal of my time on the phone with the mortgage company requesting that the payment be returned. XXXX representative promised that it would be, another told me it would n't because I was behind on the payments and another disconnected my call when I asked to speak with their supervisor. The original agreed amount was to be for XXXX {$750.00} payments, XXXX the end of XXXX and the XXXX the end of XXXX. The payment the end of XXXX exceeded the agreed amount by {$30.00}. I am displeased with the dishonesty and manner in which this has been handled and I would simply like the money returned to me. The money that has been used to cover the payment now is the child support payments that are made and the account is still overdrawn by {$220.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Freedom Mortgage acquired my mortgage loan effective XXXX. Freedom Mortgage breached the contract by improperly applying an additional principal payment into an escrow account. I have sent them an email about this but they did not respond. I telephoned them to instruct that the funds in the escrow account were a principal prepayment. They have not reversed it. I have been prepaying my mortgage since I obtained it. I have an XXXX FICO. this is a fraud on me as a borrower and is clear breach of contract terms. I have been damaged by the additional interest that will be charged. Also, I prepay every month and I will continue to be damaged if they continue to wrongfully place the principal prepayment into an escrow 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 2016-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
BBVA Compass is not following FHA 2016 guidelines, therefore consumers are being cheated and priced out of the home buying market due to its miscalculation of federal student loan monthly payments. It is calculating Income Based Repayment ( IBR ) the same as deferred student loans and states even if there is a $ XXXX monthly payment on the statement and on the credit report, this 2 % rule applies. BBVA Compass is determining monthly payments by calculating 2 % of the student loan balance. This is very unfair to consumers and goes against FHA guidelines. When confronted with this shocking revelation, I asked to speak with a supervisor and was transferred to a supervisor in XXXX, TX. He was very combative and argumentative, insisting that FHA guidelines states 2 % of the student loan balance should be used when determining monthly payments for IBR even if both the statement and credit report state a $ XXXX monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
For the past two years I have been requesting copies of the services that was rendered by their client. All I can get is a letter showing account numbers, balance due, name of creditor. Neither creditor or debt collector can show or give a statement of what services that was rendered. ARS keeps on tell me that I owe the so I have to pay it. Please see the attached copies. This information was reported to all three credit agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX weeks ago I got a phone call from a collection agency and I asked them nicely not to call my work. The following week he called my job again and left a message for me to call him. I called him back and told him the exact thing I said the week before. Yesterday I receieved a message at work from my boss that a lady called me and I did n't have time to call her. Today she called me again and gave me the same reference number as the man gave me. I asked her not to call my work. I am not allowed personal calls then she threatened to serve me papers at work if I did not call XXXX Ref # XXXX and speak to them. I called the number and ended up getting in a screaming match with the man because I felt like he would n't prove to me the paper work that was sent to him from the original collector. He was very rude and threatened me with turning me into the check card place to have me arrested. I was not saying I would n't pay what I owe I just wanted prove. I did offer him {$500.00} to clear the debt today and at XXXX he said yes. He put me on hold and came back with {$670.00} today and I told him I did n't have it. So thats when I wanted prove of all the paper work they had. They are claiming I owe {$1500.00} for Fifth 3rd Bank from 2012. I told them I needed to contact the bank first to see why I owed this and he got very angry so I hung up on him.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: PA

Complaint narrative:
My mortgage was bought by XXXX. The new company Vanderbilt reported me as 30 days late on a payment. I asked Vanderbilt home mortgage to send me my payment history which they did and it shows I was never late and never missed a payment. They will not remove this derogatory finding from all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
I have a residential mortgage with Freedom Mortgage for about 7 years. They collect XXXX per month towards escrow. My taxes and insurance come to XXXX per year. This should leave a surplus of XXXX per year yet every year I get a shortage letter and they can not tell me where my money is going. This is the first time I have stopped to research it and I am mad. I realize there should be a 20 % cushion but XXXX plus they want XXXX more as a shortage amount is absurd. I need someone that can get them to be accountable for every dime I gave them towards escrow as they will not communicate with me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
Issues in this complaint : Improper handling of escrows Failure to pay property taxes timely Repeated provision of false information concerning the status of property tax payment Duplicate payment of property taxes with full knowledge that they had already been paid Failure to reimburse duplicate property tax payment timely Loss of earnings on retirement savings withdrawn to cover unpaid property taxes Details : Freedom Mortgage withdrew {$4900.00} from our escrow account for property taxes on XXXX XXXX, XXXX. We were scheduled to refinance on XXXX XXXX through XXXX XXXX and a few days before closing our banker informed us that the taxes had not been paid. 
I called Freedom 3-4 times between XXXX XXXX and XXXX XXXX to follow up on the missing tax payment. I was repeatedly given false information that an individual check for our taxes had been sent to XXXX XXXX. 

Our banker and the XXXX revenue department informed me that mortgage companies typically do not send individual checks for property taxes but rather bulk payments through a tax servicing company. On XXXX XXXX I requested an escalation from the Freedom call center and finally got confirmation that no check had been sent directly to XXXX XXXX. I was told that the tax processing servicer was XXXX but that they could not contact XXXX on my behalf but only open some kind of ticket with another Freedom department. The ultimate result of the " ticket '' was an email that repeated the false information that our taxes had been paid ( see attached ). 

I contacted XXXX directly on XXXX XXXX. They were able to find our taxes in the bulk transmission from Freedom, and informed me that they did not intend to pay them before the end of the year. As a result, we were forced to withdraw money from retirement savings on XXXX XXXX in order to pay this unexpected expense and fund our new loan. 

On XXXX XXXX I emailed proof that our property tax payment had cleared to XXXX and also notified Freedom ( see attached ). Despite having been provided timely notice and evidence that our property taxes had been paid, FreedomXXXX paid them again on XXXX XXXX. Freedom refused to reimburse our tax escrows at that time and said we would have to wait for XXXX XXXX to reimburse XXXX and XXXX to reimburse them. My understanding was that it should take about 4 weeks after XXXX XXXX issued a refund for us to receive our refund from Freedom. XXXX XXXX issued reimbursement on XXXX XXXX but our refund was not mailed to us by Freedom until XXXX XXXX, XXXX. 

As a result of Freedom 's actions we have lost 4 months of earnings on nearly {$5000.00} in retirement savings.

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 2016-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Diversified Adjustment Service, Inc.
State: FL

Complaint narrative:
DIVERSIFIED ADJUSTMENTS XX/XX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you DIVERSIFIED ADJUSTMENTSor any company associate with this account and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : DIVERSIFIED ADJUSTMENTS or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
I am trying to refinance my home. On XXXX XXXX I was told I should n't have a problem my son 's name is on the loan due to the fact when I brought the house my credit was n't good, and my daughter co signed. 5 years ago my daughter 's name was take off. Freedom Mortgage is giving me a hard time because they said my daughter 's name is still on the loan even though my current mortgage company told them no. I have been making the mortgage payment and have never missed or been late on a payment I have sent them my bank statements because the mortgage payments was coming from my bank account bi-weekly, however Freedom Mortgage wont ' accept that. My credit score is over XXXX, but that is n't good enough for them either, they said I need more income. So I told they I get XXXX for taking care of my brother, and I have power of attorney now they are telling me I need guardianship. I have had XXXX different processors so far. XXXX XXXX told me as long as I have my credit score is over XXXX I can be put on the loan. My name is on the deed, but FM wont ' accept that, they wo n't accept my bank statements because it looks like if came off line. I work part time for XXXX and they wont ' accept that either unless I go see an accounting. They want me to pay an accountant and lawyer money. XXXX and XXXX XXXX refuse to give me the underwriters name because they are blaming it on him saying the he 's the one not accepting anything. I have had my same job for almost 15 years and pay my bills now even though in the past I have problems due to divorce. My son has been in the same position for almost 10 years now, and his credit score his close to XXXX. Yet Freedom Mortgage won ; t approve us and wants us to put out money. XXXX XXXX my current mortgage company has tried to step in and help but Freedom Mortgage wont ' even listen to them.

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 2015-04-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Financial Business and Consumer Solutions.
State: FL

Complaint narrative:
The collection rep advised I was able to take apart of a payment method via Credit card, when I called back to make the payment with the same payment method i was advised I could. The rep advised he never said I could make the payment with that method. I was unable to make the payment. I have requested to pay off and or get it dismissed due to their negligence**they did n't threatened to take legal action but the option I needed was not listed

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My car was declared total loss and my insurance paid to my lender $ XXXXand I paid for a Gap insurance and it has to pay the rest of my balance which is {$800.00}. My Lender does n't want to cooperate with the information requested from my Gap insurance and it wants me to pay for a car that was declared total loss.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: MO

Complaint narrative:
Freedom mortgage has been double charging me interest escrow and misappling my monthly mortgage payements and refuses to give me proper accounting ( that 's understandable ) and despite several requests has failed to rectify the situation and even now ( an example ) my XX/XX/2015 payment reflects double charges and they claim that that 's proper! I demanded proper accounting of all payments since they took over the loan! Which I got this btoken down stuff that shows entry after entry where they split the payment into multiple things which do n't make sence because I send one check a month which should show total received, interest charges, escrow charged, principal applied, ending principal balance which their accounting it statements they send you CANT UNDERSTAND

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