vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
I filed a BK that we discharged XXXX XXXX XXXX at the time, I was approved for a loan modification to make extra payments over 6 months to bring my mortgage current. i have since made XXXX payments and my mortgage is current. My loan was transferred to Freedom Mortgage in XXXX. 2016. Freedom mortgage is holding my payments and not applying them to my balance. They told me they were waiting for there underwriter to release the funds but in the meantime I am getting foreclosure notices. They are also charging me fees to have inspections done on my home to make sure I have not abandoned 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 2016-02-18 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:
Dear CFPB, I am writing you because I am fed up with Fifth Third Bank taking advantage of my funds. Fifth Third Bank has gotten so comfortable with cashing checks through an account before applying the deposit when they come in at the same time. Fifth Third Bank is know for posting the incorrect date of the checks posted towards your account to look as if the checks posted before your deposit. Please know that I speak for my retired mother whom has been take advantage of too. My mom has been with Fifth Third Bank for 30 years and purchase her home through them as well. Due to me presently been laid off work I am just in tears about how they have been taking my money and getting rich unfairly at the sweat of the less fortunate in society. Please, please, investigate Fifth Third Bank and how they are cheating people out of there hard earned money. 
I look forward to you helping me, Despondent Customer

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: WI

Complaint narrative:
My mortgage company Freedom mortgage can not seem to be able to pay my property taxes on time. Where I live my property taxes have to be paid before the XXXX of the year and at the city before the XXXX of the year. Freedom Mortgage does n't seem to understand this or care. Last year they cut the check on the XXXX, but did n't mail them until the XXXX of the following month. This year they did n't issue the check until the XXXX of XXXX and the city did n't get them until the XXXX of XXXX. Because of the fact they can not get my tax check out in the mail before the end of the year I can not claim my property taxes on my income tax return. When I called about this they said as long as they get them to the city before the XXXX of XXXX they are not late and there is no issue. They just do n't get the income tax issue and they are a mortgage company? One person there told " What is the big deal, just claim it next year ''. Another told me that they issued the check on the XXXX of XXXX and mailed them on the XXXX. How can that even happen!! 
All I ask of them is to issue and mail out my property tax check before the end of the year so that I can rightfully claim them on my income tax return that I escrowed them in.

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 2016-11-04 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BMO BANK NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I Made An Online Purchase And Did n't Receive The Product. I Had Contacted The Merchant And They Sent me a Refund E mail Telling Me To Contact My Bank " BMO Harris '' in Order To Get A Refund. I Contacted BMO Harris and They Told Me That They Would Send Me A Claim Form To Fill Out And To Drop It off at Any BMO Branch. 
After A Week I Still Did n't Receive The Claim Fourm And Contacted BMO Harris Again And They Said They Would Send The Fourm Again. Instead Of The Claim Forum I Received A Letter Telling Me That My Dispute Is With The Merchant Over An Authorized Transaction And That They Will Not Continue The Claim And BMO Was Closing My Claim. 
( This Is The Refund E mail From The Merchant ) Important Order Info Inside ... 

Act immediately if you want a 100 % REFUND on your order. Your order will NOT ship! Please read below and follow the instructions very carefully. Failure to follow the instructions will mean you will not receive your refund. 

As was stated in a previous email, the money you paid for your order is being sequestered by XXXX and as much as we would like to refund you directly, we can not as we have been locked out of managing our XXXX Account. 

However, this does not mean that you can not receive the FULL REFUND that you are owed. Follow the following instructions in order to get your money back ASAP. 

1. If you paid for your order via XXXX, log into your XXXX account and effect a dispute on your payment to XXXX XXXX. If you paid for your order via Credit Card, please contact your bank or credit card issuer as soon as you are able. 

Again, we sincerely apologize for any inconvenience this has caused by XXXX. 

The Management XXXX This Is The Only Information The Merchant Is Providing Witch Gives Permission For My Bank To Reverse the Charges. 
I Do n't Know Why The Bank Will Not Reverse The Charges??

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 2016-01-30 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: SC

Complaint narrative:
I just received a letter from Fifth Third regarding my credit card account. I am behind on my payments, and they just sent me a letter with a foreclosure threat. Here is the language : " Because you have not brought your account current, there are a number of options we may take, in accordance with your agreement with Fifth Third Bank. For example, we may revoke your Fifth Third credit cards, or if you have Fifth Third auto or mortgage loans, we may also pursue repossession of your car or foreclosure on your house. '' I do n't have any Fifth Third loans beside my credit card, but this intimidation tactic seems legally suspect to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Affiliated Management Services
State: NC

Complaint narrative:
this company has kept on its record an account that is fraudulent was from my identity being and stolen and used to receive goods and servicews without my permission this company keeps this fraud account on their records in additoin to reporting it to the credit bureaus when knowing it is fake

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Financial Business and Consumer Solutions.
State: IL

Complaint narrative:
Someone opened a account with XXXX using a different address than mine. I was contacted by XXXX regarding this and squared it away with them. I started receiving daily calls from FCBS Services. The first time I answered a call from them, they started asking me to confirm personal information, but without telling me in to what this was regarding.I told them I would not confirm any personal information like my address and last XXXX of my social security unless I knew in what to it was regarding. After some back and forth I just hung up. They continued to call back every day. I received a letter from them and learned as to what this was regarding. They were trying to collect for a XXXX account opened in my name, but never paid the outstanding balance. I called XXXX and talked with them and they confirmed my account was up to date and the account that was trying to be collected was closed. I filed a report with XXXX 's fraud department. I also found the fraudulent address on my XXXX credit report and contacted them and they had it removed. I tried answering a call from FBCS Services and explaining to them the circumstances, and they still insisted on confirming my personal information like my address and last XXXX of my social security. I told them that I did n't feel comfortable confirming personal information since this is a case of stolen identity and they could n't help me without the information and hung up. Since they have continued to call every day bringing me great stress and worry that this will show up on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
1. My escrow payment was not made for school taxes, resulting in a XXXX % penalty, and i had to pay the taxes out of pocket as the servicer did not have adequate funds to do so. However when i refinanced, there were adequate funds to have them paid by the due date. The loan was sold 3x, and no one know whats going on. 
2. i have asked for an escrow analysis by Freedom Mortgage on XXXX XXXX, i have yet to receive an acceptable answer on whats going on. 
3. Prior to Freedom serving my loan it was serviced by XXXX XXXX XXXX, they did an escrow anaylis, after i changed my homeowners insurance, lowering my monthly payment. However they made an error and sent my insurance company another years payment, it was not due for nearly 10 more months. 
4. Freedom Mortgage said they did not receive my XXXX mortgage payment, i have a confirmation form my bank XXXX that the check had been delivered to them on XXXX XXXX. I recieved a phone call on XXXX XXXX stating my paymetn was not made, i advised i did make it and sent an email of screenshot showing delivery. On XXXX XXXX XXXX ext XXXX called again stating she was colecitng a debt and started to harass me, i explained what happened, i was transfered to an escalation leader XXXX and karlene XXXX, XXXX would put me on mute and hold while i was speaking, when i confronted her about this, she said yes she had been putting me on Mute while i was talking because i am rude for talking over her. The recordings will show evidence of this. 
5. Finally i was transfered to XXXX direct # XXXX, where we were getiting no where, saying she never recieved any of the emails of confirmation of payment, so i stopped payment on the check for {$1400.00} to Freedom, and paid over the phone with XXXX. I was told the payment would show on XXXX/XXXX/2015. It is now XXXX/XXXX/2015 and nothing has been taken from my checking account. 
6. I recieved a call form XXXX XXXX, asking me to verify information because Freedom emailed them and said XXXX is the servicer. I have never made a payment to XXXX, the rep form XXXX said you are not in our system, we are not servicing you. No one seems to know who is servicing my loan.

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 2016-07-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: MN

Complaint narrative:
I bought an investment property in XXXX 2015. My original mortgage was serviced by XXXX XXXX. The house I bought was appraised at {$200000.00}, but the seller agreed to sell for {$200000.00}. I paid XXXX % of the purchase price and XXXX % was paid by lender. An Escrow should have been needed in this situation, however, I agreed to open an escrow to impound taxes and Insurance with the understanding that when I make 12 consecutive payments the escrow will be removed. The mortgage servicer transferred the loan to Freedom mortgage on XX/XX/XXXX, which was couple weeks after I made my 12th payment. The new services refuses to remove escrow and have cited incorrect reasons for not removing the escrow. ( attached is the letter denying my request to remove escrow ).

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 2015-04-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I supposedly have a debt with fifth third bank. I recieved a call from a XXXX XXXX with a XXXX saying im being sued for XXXX dollars i never recieved a notice in the mail. I dont even know what its all about. He demanded i get a prepaid card and all kinds of stuff threatening me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Irrational charges on my account at Fifth Third Bank amount being over {$1000.00} over a three months. Plus overdraft fees

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Fifth Third 's credit card division is saying I did not pay the settlement agreement that was agreed upon over 5 years ago. That was paid by a check over the phone and all I received was a letter saying that out of x amount of dollars, I owe {$500.00}, which was paid. I never received a statement saying it was paid in full, the person I was communicating with from 5/3 said that is what they issue. Unless I can find a bank statement from 5 years ago with the charge, they are threatening to take me to court and freeze all my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: OH

Complaint narrative:
I have been working with PennyMac Loan svc on a Refinance They have been very rude to me and the numbers have changed every time that I have spoken to them. I do not understand why my closing costs changed from my closing disclosure dated XXXX/XXXX/2016 to my new closing disclosure dated XXXX/XXXX/16. 
Why are they collecting 13 months homeowners insurance now compared to only 2 months on my previous disclosure? 
My closing cash to close went from {$790.00} to {$1200.00} in less than 1 month

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
i get emails from Navient quite often with different payment amounts when i consolidated

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RAYMOND JAMES BANK
State: WA

Complaint narrative:
XXXX XXXX does not follow up with borrowers about foreclosure, they do not communicate with a law firm when XXXX is assigned to represent the borrower. They do not keep track of received documents nor do they have a dedicated person reviewing those documents for accuracy. A Short sale file was submitted to them on XXXX XXXX. After attempting to fill their document needs they closed the file because we did not get them a complete package in time. All this without communicating what was missing or following up. When calling you are forced to deal with a customer service person that does n't know what is going on with the file. Now these borrowers are going to be foreclosed on because XXXX XXXX does n't know how to work short sales.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I signed up for a service that was only available to " Accredited Investors '' per rules of the SEC. This service had an " automatic '' annual renewal and the end of the subscription year. I did not receive any notification prior to the renewal date nor did the company in question seek to verify my status as an " accredited Investor ''. I canceled this subscription after learning of charges being posted to my account. Chase has refused to credit them despite the deceitful and illegal practice of the vendor

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Before I left out of the country for an extended amount of time I went down to Wells Fargo branch office to discuss my credit card payment while I was gone. I talked to a clerk and explained that I would be out of the country for well over a month. I paid a double payment to insure I would not miss any payments while I was out of the country. The clerk also informed me to download the Wells Fargo online banking app to help keep track of my account. I downloaded the app checked the day before I left and according to Wells Fargo there was " no payment scheduled ''. Upon returning home I had a letter in the mail waiting on me from Wells Fargo entailing how I have missed a payment on my credit card and it was reported on my credit score. I immediately called Wells Fargo to discuss the issue. I was told that a payment was scheduled while I was away and the failure to pay was my fault. I asked why my double payment was n't handled like I was told it should have been. Wells Fargo proceeded to tell me that 's not their policy and they did nothing wrong. After two weeks on several phone calls with numerous supervisors I have been told yes Wells Fargo made an error by the clerk telling me payment was n't due until after my return date. They also informed me that they are not willing to help correct their mistake. I went to the bank informed them of my situation before it was an issue, I also made extra payments trying to prevent this situation. I have been treated no better than a criminal by Wells Fargo and am just looking for a meeting half way. I have paid all late fees and talked to every department trying to resolve this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 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: OH

Complaint narrative:
I have only been able to get my annual free credit report once in my entire life from Experian. Their site gives a plethora of reasons and error codes as to why I ca n't receive my reprt. Some have included my personal information not matching, not being able to verify my identity, incorrect information provided, etc. Most recently, it advised me I had already received my annual free report, which is a lie. I have called them countless times over the years and they are always totally unwilling to help. I want my free report. This has gone on long enough.

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 non-monetary relief
Consumer complaint received 2015-10-29 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: National Credit Systems,Inc.
State: KS

Complaint narrative:
I was contacted by phone on XXXX/XXXX/15 by XXXX XXXX with National Credit Systems. She told me that I had a bill from XXXX XXXX that had been turned over to her office for non-payment. I explained that I had moved out of the complex and was not aware of any bill. I requested a copy of the bill be sent to me. XXXX XXXX said she would put it in the mail to me that day and put a hold on the collection account. I received a generic phone message on XXXX/XXXX/15 from XXXX XXXX asking me to call her. I returned her call and left a message. I called again on XXXX/XXXX/15 and got XXXX XXXX, she had no record of our previous conversation. XXXX XXXX said that XXXX XXXX claimed I left over {$1100.00} in damage to the apt . I explained that the apt was left in perfect condition and I had friends who helped me clean it and could confirm the condition. I again requested a copy of the bill, all the charges itemized and photographs of the so called damage. XXXX XXXX said she had a bill with a total and would mail it to me that day but could she get my credit card number and have me make a payment. I told her that I am disputing this bill. She assured me that the account was in dispute and it would not be filed on my credit. I called XXXX XXXX on XXXX/XXXX/15 because I still had not received the bill. She said she would request the bill. I stopped her and asked " What do you mean request the bill? Do n't you have a copy of it? '' XXXX XXXX said that she had requested the bill but never gotten it. XXXX XXXX immediately transferred me to a voice mail box that she claimed was her supervisor. I left a message with my account # and phone #. I was not called back. I left a message on XXXX/XXXX/15 and XXXX/XXXX/15 and have not received a call back or a copy of the bill. I did received a letter from NCS on XXXX/XXXX/15 stating that they were placing this debt on my credit history if I do n't make payment arrangements with them immediately. I filed a complaint with the XXXX on XXXX/XXXX/15. I received a call from XXXX XXXX on XXXX/XXXX/15 in response to my complaint. He said that his office mailed a copy of the bill to me on XXXX/XXXX/15 and he would request another copy be mailed. He was very abrupt and rude. He said my account is still in dispute and nothing will be filed on my credit at this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation