vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I purchased a home on XXXX of XXXX. As of XXXX/XXXX/XXXX, Freedom mortgage had acquired the loan. Shortly there after, I noticed the mortgage was not reporting to any of my credit reports. I called in and they told me they had to wait 60 days per law and it would report when that date was up. On XXXX, I again checked my credit reports and noticed the mortgage was still not reporting. I once again called freedom mortgage and they said they do not report until the XXXX of the month. My mortgage would be reported on XXXX XXXX. On XXXX XXXX, I again checked my credit reports and noticed the mortgage was still not showing. I again call and they told me it had been reported but must not be showing yet. I waiting a few weeks and checked again. Still no mortgage reporting. I once again called Freedom mortgage. They now tell me it will not reporting until XXXX XXXX. I am getting the runaround and this needs to stop

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: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I have a mortgage with Fifth Third Bank and I continually have issues with the processing and application of my payments. I have also recently discovered that Fifth Third Bank has misappropriated my property taxes which has created a delinquent balance and has been charging unwarranted fees. Also Fifth Third Bank has been misinforming credit reporting agencies which has damaged my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
The 3rd week of XXXX XXXX, Freedom Mortgage XXXX, notified us we were short on XXXX Escrow. The shortage was caused by an increase in the home owners insurance premium, which we were not notified of. We changed insurance companies, which resulted in the premium going down {$500.00} for the year. The old insurance caused a shortage of {$1600.00}, we overnighted the full amount to the XXXX office, per the instruction of the company. We call a few business days later to see, if the check was placed in the XXXX Escrow account. We ask if they had the new insurance company information and new payment schedule. 
We requested the new amount for the monthly mortgage payment with the corrected escrow. We were told the XXXX Escrow check was supposed to be mailed to XXXX. As of today the {$1600.00} funds have never been correctly deposited to the XXXX Escrow account, despite the memo on the check specifically state " XXXX Escrow. '' We paid a {$600.00} house note, which was sent to Escrow for unknown reasons. The XXXX Escrow has never been figured, so to date after trying to the right thing for 8 weeks, we have made ZERO progress. We have called at least once, if not twice a week to see what updates have been made. We rarely if ever are able to transferred to a supervisor. We have yet to talk never talk to same person or the same office. I do n't know they just have bad business practices or what. Freedom Mortgage has not returned any of the phone calls as promised. We have a VA ARM loan and on paper it is a great deal, we strongly suspect the mortgage company is not making any money on the loan, so they are trying to force us into a conventional loan against own will. They also send us information on their conventional loans a min of weekly.

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 2015-09-16 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XXXX XXXX, 2015 my son and I made a cash deposit into our checking account at our bank at XXXX XXXX XXXX XXXX in XXXX OH. It was XXXX We deposited {$2200.00} in cash. The ATM receipt showed we had only deposited {$600.00} We were shorted {$1600.00}. I called the banking center. It was closed. I immediately called the after hours Customer Service phone number to report this. They assured me that they would investigate. I was assigned a " Case Number ''. The bank made a " provisional deposit '' the next day for a total of {$1600.00} We heard nothing else from the bank until XXXX XXXX, 2015 when they debited the {$1600.00} back out from our checking account. I contacted them this evening and the bank refuses to help me, saying that there is nothing further that they can do. I do not know where to turn. My family has banked with this company for over 25 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: United Consumer Finance, Inc.
State: PA

Complaint narrative:
I financed a XXXX XXXX XXXX XXXX for {$12000.00}. Two months after getting the car the dealership had not completed the inspection, and the engine blew. The dealership told me the warranty had to pay for the repairs and the warranty company said that the dealership was responsible since i had just got the car. I paid XXXX out of my pocket to pay for the repairs. This was only the beginning. It is XXXX and to date i have paid {$12000.00} in repairs as well as XXXX in finance payments. Currently the vehicle still needs repairs and the finance company is charging all types of interest. I contacted the XXXX to file a complaint with the company since the vehicle had not been inspected and after looking at my paperwork ( contract, Title, and registration paper ) i noticed that at the time i bought the car the mileage on the title was different than the mileage that was on the car and the contract, as well as the " Owner '' signature on the title transfer. The XXXX advised me to seek legal help. 

The dealership ( XXXX XXXX XXXX ) and the finance company ( United Consumer Finance ) conducted illegally and now i am in a bind with a lemon for a car and no money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Credit card — 
Issue: Other — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Fifth Third bank is reporting this on my credit report even though the date of XXXX delinquency is on XXXX, 2007. This is past the Statue of Limitations in my state and I have tried to dispute through the credit reporting agency and they come back verified. Fifth Third has sent me a letter stating that this account fell into delinquency on XXXX 2007 and still will not change the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Today this afternoon I received a voicemail from XXXX the guy stated that there was a lawsuit filed against me and to please call XXXX an the case number which included the last XXXX of my ss #. I called and a nice girl answers the phone and she knew my full name, last XXXX of my SS #. She then stated it was from a pay day loan XX/XX/XXXX for {$300.00} from 5/3 bank and XXXX XXXX. She says but now because of court fees and interest you owe {$1900.00}, I told her I do n't owe anything and if so everything was included in the bankruptcy. She said hold on let me check your bankruptcy, she said XX/XX/XXXX?, I said yes, she said sorry that was n't included in the bankruptcy. I told her well I believe so. She said that is a loan that did n't involve a credit check and was not reported to your credit report.I said ok and how much to settle and she said I would have to place you on hold and find out if the paralegal will allow this as they do want to take you to court. She then said you can settle today for {$710.00}. I said email me a copy off the charge I am being sued for, she said unfortunately I ca n't do that because we did that before and then someone changed it and put paid and when we took them to court we could n't do anything because it stated it was paid in full. Therefore you will be provided a copy when you fulfill the debt. She asked me for a credit card or debit card and I said I do n't have one and she said well I will give you until Monday to get a reloadable card. If you do not call back and fulfill this we will file this at your local county clerks office. So she said you are on a recorded call. I was so shocked and especially that they had perfect XXXX, not the typical XXXX accent. I guess they know now we are on them. So I of course started to XXXX the phone numbers and XXXX XXXX and I could n't find anything. I even XXXX 5/3 bank and who was their pay day loan company, still nothing. I then XXXX the XXXX area code and came up a few sites where people were talking about the scams they had experienced which were the same or similar to mine. I am so glad I found this site because I was like Monday I am calling my Paralegal and I am calling 5/3 bank and see if they are associated with XXXX XXXX. Then I told my husband about the call I received today and he said oh I received a call from that number today, but did n't answer the phone. The kept calling and they knew my name I was working and told them I was busy and I hung up. He was like that is a major scam no one that sues you or is attempting to sue calls you. You basically get served the papers. It so disgusts me what this world has come to. I hope they get these crooks ASAP.. They should be put to prison, sued, etc ... Leave innocent people alone ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
Freedom Mortgage has been jerking us around for almost a year. They claim to have not recieved paperwork 4,5 and 6 times over, then they claim paperwork is outdated and needs to be resubmitted. The only reason any paperwork has ever been outdate is because freedom has waited around for it to expire so they have another excuse not to stall our short sale request. Its pretty clear at this point that they just dont want to let us continue with the sale of our home. We have submitted every single paper requested over and over again and its never 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 explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
I have a car loan through Fifth Third Bank and can honestly say I regret going with them for my loan. I have NEVER had this much trouble with a bank than what I have with them. I recently got married and had a last name change, therefore I also switched insurance companies. They sent me a letter stating they needed an updated insurance policy, my initial thought was no big deal I will fax them a copy. I called them to make sure I had the correct fax number and to let them know that it would reflect my new last name not the one they had in the system, but everything else was the same and my car was insured. They then looked up my policy number to try and link my insurance instead of me faxing it. Again, I thought that would be easier so I went with it. However, they then tell me my insurance policy is not active and that I have no insurance. ( Which I know is not true since I have everything in front of me proving that I do, and make the monthly payments. ) They said I should call my insurance company. I called and I do in fact have insurance. Then I call Fifth Third back and ask does it matter what my last name is as long as it shows that the VIN on my car and the VIN they have has insurance. I was told yes and that I need to come in with my ID, insurance card, and a letter from my insurance company. Keeping in mind they know I am not local and in fact live about an hour away. They would not fax or do anything over the phone with me. I also work at a job with set hours so I get off at the same time that they are closing. Making it a real inconvenience considering I already live far away from the nearest branch. Now I have to leave MY JOB early to give them information that could have easily been faxed in the first place, oh and not to mention this all has to be done by the XXXX of THIS MONTH. I will NEVER recommend this bank to anyone nor will I EVER open another account with them. Their lack of consideration and care for the customers really showed today and I have NEVER been so displeased with a bank before.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
My refinance with Freedom Mortgage started XXXX XXXX, XXXX and was on schedule to close by XXXX XXXX, XXXX. XXXX XXXX contacted me with a notice of incomplete application on XXXX XXXX, XXXX and we talked about documents that were suddenly required. Certain documents were not fully explained to me like the XXXX, I was told I could get a 15 year loan and only pay {$25.00} more than what I am paying now, which turned out to be a total lie, and emails back and forth between XXXX and I were unproductive because she would not answer my questions. Over 2 weeks I fought to get the documents to XXXX, and my email was not working properly and I was not given any other alternative to try to get the documents to her. Her assistant XXXX was short with me and would not originally give me XXXX email address and I had to call the following week, XXXX XXXX, XXXX, and get it from someone else. Around XXXX XXXX, I had no update on my loan so I called and complained and my loan was transferred to another officer. The importance and ins and outs of a couple additional documents needed that I knew nothing about, were explained to me. However, now on XXXX XXXX, XXXX, I receive another notice of incomplete application stating that we need to " post XXXX payment to satisfy aging requirement ''. I left a message with the loan officer because if that means we have to pay XXXX AND XXXX before we can close, this is ridiculous. We have NEVER missed a payment on our mortgage. We had to cancel our XXXX vacation because we were looking forward to having that skipped mortgage payment, and were hoping to take the vacation in XXXX, the only other month we can get away this year, and now they are pulling this? When we refinanced in XXXX, it was fast and easy. This has been a nightmare, stressful, dissapointing, and angering. I believe XXXX and XXXX 's attitude and lack of care, help, and concern have ruined our chances of getting this refinance done in a timely and orderly manner.

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 2017-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Financial Business and Consumer Solutions.
State: TN

Complaint narrative:
I 'm being told I owe {$500.00} or more to this FBCS agency for debt for XXXX Bank in XXXX, TN. I belive I have paid this off already and they are saying no I have n't.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
We received our annual escrow account disclosure statement from Freedom Mortgage on XXXX/XXXX/2016. They said we have an escrow shortage of {$1400.00}. In looking at the escrow account history we were confused by the way payments were going in and out of our account and why we started off with a negative balance. Our loan was bought out from First Mortgage Corp in XXXX At that time we were informed all escrow was in order during our previous statement. Things started to go wrong with our new company in XXXX with XXXX mortgage payments coming out within 2 days of each other causing issues with our checking account. In researching our escrow history we see our homeowners insure getting paid twice then credited back. XXXX XXXX taxes that had been paid by previous lender were double paid, then credited back and went in and out of our account 6 times! No one at Freedom Mortgage could explain why this happened. In following the trail we believe our account is negative by XXXX of XXXX XXXX tax payments that was taken out multiple times never getting credited back into escrow. Were were told this shortage was an increase in taxes which we knew was a lie because we have XXXX XXXX tax records and it only went up {$260.00} for the entire year. We have been on the phone for a documented 9 hours going around and around with people from Freedom Mortgage who ca n't show us where the money has gone. They are now blaming the old company. We will pay any money that is due, but it needs to be clearly shown to us why. The accounting from escrow account history just does n't make sense, and if our taxes only changed {$260.00} how are we short {$1400.00}. What bothers us is that no one in this company can show us the paperwork. We are making our house payments, but are not including the prorated escrow shortage amount until this get explained to us. We have never been late and are worried this will affect our credit and will accumulate late fees on that amount.

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 2015-06-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XXXX XXXX, 2015 Fifth Third closed my checking account without notifying me. On XXXX XXXX, I went on line to check my balance and seen the account closed. I Called the XXXX office in XXXX Florida immediately, spoke to XXXX, asked him why the account was closed and he said they did not want my business. I told him I would pick up the check, he said I could not pick up check, it was mailed to me on XXXX XXXX. On XXXX XXXX I called and spoke to XXXX, told him I still did not receive the check and he said it would take 5-7 business days for me to get the check in the mail. On XXXX XXXX I called him again to tell him I did not receive the check and he said to give it a couple more days. I told him to just cancel the check and write me a new check and I would pick it up. He said he could not do that and I have to wait to receive the check. I told him it does not take 10 days for a check to be delivered by the post office. They are refusing to give me my money and I think the check is still sitting at the XXXX office. When I asked him who closed the account he refused to give me an answer. When I called customer service for fifth third they said the XXXX office closed the account and they could tell me exactly who closed it and where the check is. Customer service said I have to deal with the branch that closed the account, no one else can help me. I emailed customer service XXXX times and no one ever responded, though their email to me said they would get in touch with me within 24 hours of receiving my email. I left message for the manager to call me and never heard back. As the attachment shows it is alot of money they are holding of mine. XXXX 's last remarks to me were if he has to cancel the check it is a very hard and long process and it could take months to do that, so I better just wait for this check unless I want to wait at least 2 months more before I get a replacement check. They are being unreasonable and I know it does not take this long to get my check. I have talked to several other banks in town and they do not believe the way fifth third is handling this. Other banks I have talked to say, when they close an account they notify the customer and let them come in and get their money. When I mentioned this to XXXX, he said they always close accounts this way. I never received a certified letter from fifth third as XXXX states was sent to me. When I asked him to prove who signed for it, they would have it on file, he said he could not locate this information.

Company response to consumer: Closed with explanation