vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: TekCollect Inc.
State: WI

Complaint narrative:
I was about to set up the monthly payment when they called me monday XX/XX/XXXX and be ready. But they called me again today but I missed the called but I do know they were gon na force me to pay. But I am making a payment plan through XXXX College the right way.

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: Financial Business and Consumer Solutions.
State: WA

Complaint narrative:
On XX/XX/XXXX 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 XXXX 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 2015-11-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation
State: DE

Complaint narrative:
On XX/XX/2015 I sought a loan from Avant the loan is funded by XXXX in the amount of {$14000.00} the loan was deposited into my checking account on or about XX/XX/2015. I began to utilize the funds from loan to consolidate credit cards / bills, on or about XX/XX/2015 Avant did a pre authorized debit for the full amount of {$14000.00} from my checking account. This caused my account to fall approximately {$8700.00} negative, I immediately contacted Avant whom informed me that there was a huge error and that they would exspite a return. I continually attempted to contact Avant until about XX/XX/2015 an was advised that the loan remained paid off in full. This forced me to call my bank and file a claim for what suggested a fraudulent activity. XXXX began reversals of the funds and refunded me for various overdraft fees and NFS fees. I had to go approximately 2 weeks while my account remained negative, I was n't able to pay many obligations such as rent or other financial means. XXXX was able to retrieve my funds XX/XX/2015 and Avant is attempting to collect again on this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
During my refinance, I was told that I had an escrow shortage of roughly XXXX, that needed to be paid. I have yet to receive an escrow analysis statement. When I called they indicated that my insurance increased by double. After calling the insurance company they indicated that was incorrect, my taxes had reduced and I should not have any shortage any where of this amount. meanwhile my payment will be increased by over XXXX a month. Insurance company indicated that during my disbursement XX/XX/2015, it was paid twice which was refunded. I received a check XX/XX/2015 ; I called Freedom, and they told me it was my refund. I asked are you sure I do n't need to send this to you, they stated no. It is yours, now here we are a YEAR later and they are charging me for the refund they sent to me. How is this legal? No statement either? I want this charge to be reversed-since this was an error by Freedom not the consumer-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 2017-03-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Freedom Mortgage Company
State: WV

Complaint narrative:
I have submitted 23 disputes to FREEDOM Mortgage and they have been non responsive to my many concerns related to the processing of my refinance application. I have received several letters from FREEDOM Mortgage stating to allow up to thirty ( 30 ) business days for a response. The response time has expired on letters received as far back as XXXX 2016. I have even sent several emails on these issues. All to no avail. 
I have contacted CFPB, Better Business Bureau, Department of Veterans Affairs and my attorney. Whys has these organization allowed FREEDOM Mortgage to continue to be non responsive to their customers, especially one who is an XXXX Military Veteran with over 30 years of service. FREEDOM Mortgage unwillingness to corporate has lead me to enroll into a repayment program. FREEDOM Mortgage insisted that they did not authorize me to miss mortgage payments during the refinance processing. I provided proof and was told that they did not authorize missed mortgage. FREEDOM Mortgage even stated to CFPB that they did not authorize me to miss mortgage payments. Claiming that documents looked suspicious. Customer may have prepared. I found that their comments were appalling and outrageous. I have attached documents on unresolved issues, numerous complaints against FREEDOM Mortgage.

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 2016-07-01 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
I log into XXXX selected an item to purchase and clicked on type of payment. I have a paypal account that is linked to my bank account. Generally I have a residual balance in my XXXX since I receive payments from family members. Evidently, I clicked on use your XXXX credit thinking it was my residual balance and the next thing I know I get a nasty letter from XXXX saying I have n't made a payment on my account. 
WELL ... ... I never opened a paypal CREDIT ACCOUNT. I have just a regular account that is linked to my bank. So in essence it 's the same as using a paper check but done electronically. This has the advantage of being much easier and secure on the internet. 
I call paypal and they took the amount due XXXX out of my paypal regular account forgave the {$25.00} late fee and closed the account. MY PROBLEM is this reflected in my credit score and history for opening an account I NEVER authorized having a late payment ( which I never have ) and closing an account. This problem is more common that you might think because of the way the " HOW DO YOU WANT TO PAY '' screen. 
I want these transaction removed from my history and XXXX to get their hands slapped.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 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: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
I have no recollection of this collection.DIVERSIFIED ADJUSTMENT. Never signed a contract with this company. I have written them directly and received no response. Someone either from a data breach or theft of my purse has use my information to obtain all kinds of weird things. I 'm tired of trying to call when they just tell me I owe the debt and do n't care to help

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Deceptive mortgage lending practices by Freedom Mortgage which included bait and switch, fradulent documentation, and predatory behaviour with goal in mind to obtain funds from consumer by pushing consumer to roll fradulent closing costs into loan that the consumer is not responsible for as per agreement. 

There is sufficient evidence that I have been completely misled through the refinance process and provided wrong and fradulent information ( i.e. Summary of Transaction ) by Freedom Mortgage that was misleading and deceptive. 

It was very clear from the offer I received from Freedom Mortgage which included many verbal communications and a Summary of Transaction that I can provide a copy of that Closing Costs were covered by lender. This was the agreement and mutual understanding throughout the process all the way up to being only a week or two out from actual closing at which time it was suddenly communicated to me via a random phone call ( not even in writing ) that the offer has changed and I as the consumer I would have to pay the closing costs now. All the detials, supporting documents, and dates can be provided. 

With all the respect, that is very deceptive and misleading business practice that is unfair to consumers and that is ultimately costing all of us participating in the mortgage business including the government a lot of money. I do not accept this and I ask you kindly to help with this case as I 'm sure there thousands of consumers that are falling vicitim to these kinds of predatory lending practices. 

In the supporting documents you can clearly see that the closing costs are covered by the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
53 Bank charged a fraudulent charge of {$330.00} OD to an account with a positive balance and they refuse to refund their charge. The account is negative {$57.00} with that charge

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MO

Complaint narrative:
My bank account has clearly been infiltrated by a thief. Today, while on vacation, I checked my account online. There is a record of all withdrawls i have made within the last 7 days. There is a deposit made by my employer. The amount of money in the account is short the exact amount of the employers deposit. That is the second time this month that money has been shorted from my bank account with FifthThird Bank. I need to switch banks and I would like to get that money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
We are currently trying to refinance with Freedom Mortgage and it 's taking over 3 months.My husband and I have good credit, have a good income, have more than the necessary equity in our home, have never been late for a single payment and yet they are giving us the hardest time. We already have our mortgage with them but we no longer want the fha pmi. My concern is that they are purposefully dragging this out. 

There is clearly an issue with this company. I wish we had gone with a local bank who could have had this loan done 2 months ago, but we 've already paid {$500.00} for the appraisal. They have been saying just 1 more week, every week for the past several months. I fear it will never end!

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 2015-11-06 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Avant Credit Corporation
State: FL

Complaint narrative:
I applied for loan with Avant, Inc. on XXXX XXXX, 2015. I was informed by Avant that I was approved for {$12000.00}. I provided all of the requested documents, and communicated by phone 4 or 5 times. I actually spent over 4 hours on hold between XXXX/XXXX/15 and XXXX/XXXX/15, and I was even disconnected on one occasion, after being on hold for nearly an hour. Avant 's customer service representative was kind and thorough in handling my questions, but there was n't any follow through from Avant. 
On XXXX/XXXX/15, I was informed my application expired, and a new loan application was activated. The new application was activated when I logged on to my account to check my status because a contract requiring my signature was on my screen, and I was n't able to navigate on my account, without signing the contract. I was not aware the contract was for a new application, and I was not aware my original contract had expired. 
Due to Avant being in possession of documents containing my personal and financial information, on XXXX/XXXX/15, I logged on to my Avant account to verify there had not been any activity on it. On XXXX/XXXX/15, I received an e-mail from Avant stating I applied for a loan on XXXX/XXXX/15, and it was declined. I did NOT apply for another loan on XXXX/XXXX/15, nor will I ever apply for a loan from Avant. 
Based on information I located on the internet, Avant is rated XXXX and a half stars out of XXXX stars in comparison to other lenders, but my experience with Avant did not reflect the practices of a company worthy of a positive review. In my opinion, Avant was misleading, and their customer service was deplorable. In addition, I am now concerned about the possibility of fraudulent use of my personal and financial information due to the notification stating that I applied for a loan on XXXX/XXXX/15, when I did not apply for another loan. 
I e-mailed my complaint to Avant, and they replied, informing me they deactivated my account, and they referred me to their privacy policy regarding my concern about my financial information. Although my complaint to Avant was handled, it should still be noted that their methods are suspicious, and their communication is painfully time consuming.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-12 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Pollack & Rosen, P.A.
State: FL

Complaint narrative:
Pollack & Rosen began calling me indicating that they were representing XXXX XXXX XXXX XXXX XXXX in reference to a debt that I have with Portfolio Recovery. They began calling on XXXX XXXX, 2015, in which they called 4 times in that XXXX day, but they did not leave a message. The debt is for a XXXX XXXX XXXX account with XXXX. I informed the representative from Pollack & Rosen that I had made payment arrangements XXXX XXXX and that I have the paperwork that outlines the payment arrangement. The Representative, XXXX, stated that they did not have any record of this payment arrangement. He implied that he did not believewhat I said. I told XXXX that I would contact XXXX to make sure the arrangements were still in place. He began stating that they would file the necessary paperwork to file a lawsuit in my county if I did not make payment arrangements with them. XXXX made a veiled threat that if I wanted to make this " go away '' I would need to take care of this with their firm immediately. I again stated to him that I had made payment arrangements with Portfolio Recovery, their client, and that XXXX was satisfied with the payment arrangement and that I also have the paperwork detailing the payment arrangement. XXXX then put me on hold and came back to the phone stating that he had spoke with their " Lead Counsel '' and that Lead Counsel said that XXXX had retained them as their attorneys and they are going to proceed with filing a lawsuit. I donot understand how a law firm can go ahead and sue you when their client has already made payment arrangements with me. I have spoken several times with XXXX XXXX XXXX about this situation and they reassured me that they are satisfied with the payment arrangements that they had made with me. Also the representative informed me that XXXX XXXX XXXX had made a mistake in sending my file to this debt collection attorney. I have the paperwork from XXXX that states that they would not send my account to a debt collection attorney until after XXXX XXXX but they sent it on XXXX XXXX. I made payment arrangements with XXXX on XXXX XXXX, 2015. XXXX XXXX admitted their mistake, but this debt collection firm was extremely rude and threatening. XXXX, the representative from Pollack and Rosen also made the statement to me that " I seem to be an Intelligent person '', which I found to be extremely condescending. I feel that I should not be harassed for the mistake that XXXX XXXX XXXX made, and to which they admitted to, by this debt collection firm of Pollack and Rosen.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Freedom Mortgage Company
State: KS

Complaint narrative:
On or about XX/XX/2016 I was contacted by my mortgage company XXXX Mortgage about refinancing my VA loan. I was told by the agent that I would not have a payment in XX/XX/XXXX and would have my next payment on XX/XX/XXXX But I was also told not to skip XX/XX/XXXX thus leading me to believe that I would still have a 30 day grace in skipping a payment. Now the company is saying I should not have been told that by the agent or the closing agent. I was assured this was the case and now that the loan is closed it was all a lie

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 2015-07-06 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
XX/XX/XXXX, I was called by Fifth Third Bank in the XXXX of XXXX to encourage me to invest money with them for better returns than expected with regular certificate of deposits which were often paying less than 1 % /year at the time. The investment banker recommended a 5 year stock CD offered through XXXX. They told me clearly that, not only is my principal fully guaranteed, but that I would get a return of 7.5 % /yr to 12.50 % /yr depending on the stock performance. There were XXXX stocks in the portfolio. Therefore, they ensured me that 7.5 % /yr return would be the worst case scenario. However, it was clear after the first 6-12 months that there was going to be 0 % return for the next 5 years and I was not allowed to withdraw early at any time before 5 years, otherwise I would lose a part of my principal investment as well. The investment matured on XX/XX/XXXX accruing 0 % interest over the whole 5 year period. In effective, this bank fraudulently took an interest free loan from me for 5 years, at which time they certainly invested or loaned it out to others for high profits, returning only the principal to me! This is clearly a fraudulent investment vehicle with false promises and a means for the bank to get your money for a long period of time without your ability to get it back when you want. They have given me no apologies or explanations for this. This investment vehicle needs to be stopped, the bank needs to be fined or disciplined, and I should receive compensation for unnecessary loss of income. If I had put the same amount in a regular CD at a mere! %, I would be ahead a significant amount of money. This bank is taking advantage of gullible and trusting consumers. They can not be allowed to continue in their same ways!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
Freedom Mortgage purchased my loan from XXXX XXXX in XXXX 2015. I made the first payment to Freedom on XXXX XXXX, 2015. Freedom is now saying I did not make the payment but I have a receipt indicating they cashed the check and have the money. I have talked with them every month since and they tell me they will research the issue and call me back - they never do but have sent collection notices, foreclosure paperwork, and have tried to assess late fees. It is now up to me to produce a copy of the deposited check for them to review. They have been anything but helpful unless it involves them sending me late notices and collection notices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX we used bank card to pay for car repair {$280.00}. My husband was going to transfer from savings to checking but forgot. At the time we had {$1400.00} in savings and the accounts are joined together and we have overdraft protection. Well we were not notified and we kept using the card and for every transaction they charged us {$37.00}. We now have overdraft fees in the amount of {$1100.00}. This while time no one transfered the money from savings and the card was able to be used. We went in Sat XXXX XXXX to make a complaint to the manager and he said it was above what he could do and he would email his regional manager and call us on Tues. Well he never called and we found out that someone had authorized all of our savings {$1400.00} to be taken out and they too his paycheck of XXXX and some change to make our account a XXXX balance. Well I called Friday to find out why no one had gotten back with us and still no answer. We feel that we should pay the fees from our mistake but they should not have take all of our money to which we now can not pay car payments rent to our house and all other bills that are due tomorrow. My husband went back this morning and still nothing is being done. Please if you can help us that would be great. My husband researched and found that in XXXX other states 5/3 bank has lost cases due to insufficient fund issues.

Company response to consumer: Closed with monetary relief