vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-25 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: TX

Complaint narrative:
I have been trying to request my annual credit report from Experian through the XXXX website for the past two weeks. I have been getting the following message and was unable to get the report : We 're sorry A condition exists that prevents Experian from being able to accept your request at this time. 
To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. 
XXXX XXXX. XXXX XXXX XXXX, GA XXXX

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 2015-06-12 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
WHEN IS MY PAY-OFF DATE ON MY LOAN? WHY IS MY DEBT GOING-UP INSTEAD OF GOING-DOWN. I HAVE NEVER MISS A PAYMENT, NOR RECEIVED A PASS-DUE NOTICE. EXACTLY, WHAT IS GOING-ON?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Helm Associates
State: PA

Complaint narrative:
on XXXX/XXXX/2015, I filed an dispute with Helm Associates. I advised them that I am not refusing to pay the alleged debt, but their claim is disputed. I advised Helm Associates to send me copy of contract with my authentic signature that begun this alleged debt and should the contract not be available with my authentic signature to delete the trade line off the CRA. More importantly, I advised Helm Associates that not complying wit the FDCPA will put their company in a bad position with the CFPB. Helm Associates never sent me a contract with my authentic signature that begun this alleged debt and is still reporting the account to the CRA .Helm Associates sent me correspondence dated XX/XX/2015, and it stated that they have responded to my previous disputes and there is not any new facts to form a new investigation pursuant to the fair credit reporting act U.S.C. section 1681s-2 ( a ) ( 8 ) ( F ) ( i ) ( 11 ) and no further replies will be forthcoming.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-28 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I purchased a riding lawn mower from Home Depot using the Home Depot Credit card with no interest if paid in full within 24 months. The lawn mower was defective and caught fire. The company reimbursed Home Depot the full amount, Home Deport credited the account {$1800.00} on XX/XX/2015. However Citibank who is the card issuer did not apply the amount to the no interest purchase and have now added the full interest amount to my credit card.

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 2015-07-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Pending Company Match
State: NM

Complaint narrative:
I have tried to dispute my tax lien through the regular written letter credit bureau investigation process XXXX with no resolution or response. I included the document from the Georgia XXXX XXXX XXXX showing that it is satisfied and cancelled and the bureaus have n't properly investigated and deleted it from my reports. I have attached the letter again for you as well. They combined the accounts for XXXX and I and the receipts attached show they were paid. Please help. I look forward to quick resolution because these are impeding my ability to move forward financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA

Complaint narrative:
I paid my mortgage on time through the XXXX bill pay service, and have a history of paying it on XXXX or XXXX of the month for 6 months with Carrington, without any issues. However, in XXXX, I scheduled my payment for the XXXX and Carrington attached a late fee saying the payment was received after the XXXX. I checked with XXXX and verified the payment was delivered on time, with my financial institution. However, Carrington did not process the payment until XXXX XXXX. On XXXX XXXX, I faxed a copy of the check reflecting delivery date and payment on time, along with a letter to Carrington, asking them to waive the late fee since payment was received on time. They held the money and processed the check, which is no fault of mine. In XXXX, I received XXXX nasty notes, collection and a late fee notice of XXXX from Carrington. I called and spoke with their rude representative, XXXX ( # XXXX ) and asked for resolution. I asked to speak with her supervisor and she told me I could not. She only gave me his # XXXX, but would not give me a name. She said she could not provide resolution and she now needed copies of my bank statement, which I refused to send her and let her know. This has to be a violation of some financial rule or regulation to safeguard consumers. Why would they need my banking statement with my PII information. I informed them that I filed a complaint with CFPB and today followed up with their consumer advocate department ( XXXX ). I am seeking resolution and the late fee and any implications waived.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ROC Asset Solutions, LLC
State: UT

Complaint narrative:
My sister, my daughter, my son and others have numerous voicemails from XXXX, XXXX XXXX XXXX stating fraud complaints against me and threatening legal action if my family or other referenced individuals can not get me or my attorney to call them back. There were calls from XXXX XXXX XXXX XXXX ext XXXX ; XXXX ( supervisor ) XXXX ext XXXX, XXXX XXXX XXXX. 
The major complaint is API divulging sensitive information to parties other than myself and scaring and harassing family members and possibly fellow workers who have access to work phone voicemail.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-12-23 00:00:00
Product: Credit card — 
Issue: Other — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA

Complaint narrative:
For my XXXX payment on my credit card from Fifth Third Bank, I made an online payment via direct transfer from my bank account on XXXX. No record of this payment was generated, either on their online service, XXXX, or via E-mail. On XXXX I was charged interest on the balance of my account. In response I made a second payment, and no record was generated. However XXXX payments were then processed, overdrawing my bank account. 

I contacted customer support on XXXX once the error was realized. My request was for the initial payment, in the amount of {$1000.00} to be refunded to me. I was told that the only option for refund was via check, which would take 2-4 business weeks to arrive by mail. I agreed to this. After three weeks, I contacted customer service again to ask for the status of my refund, and was told that the check had been mailed, but due to the holidays may take longer than normal to arrive. I was advised to call back if I had not received the check by the next Monday. 
The check did not arrive, and when I called back I was informed that it in fact had not been sent. I requested at that time that rather than mail a check, that the funds simply be re-applied to the balance of my credit card. The representative with whom I was speaking said that she would forward my request to the escalation team managing my account and have her supervisor call me when available. I did not receive a call. 
Two weeks later, the funds had not been returned to my account, and I called again. The representative with whom I spoke on that day indicated that there was no record that I had asked for the refund to be re-applied to my account rather than mailed, and the escalation team was still working on mailing the check. I again requested electronic application of the funds to my credit card. I was told that the escalation team would call me back, and they did not. 
On follow up later the same week, XXXX, the representative with whom I spoke informed me that monetary funds could not be deposited in my account until the XXXX billing cycle, and that the escalation team would call me the same day, but were unavailable at that time. I did not receive a call. 
I have tried again to contact the escalation team or a supervisor today, but was informed that they are too busy to speak with me. 

At this time, I consider Fifth Third Bank to have stolen {$1000.00} from me. I have been lied to repeated regarding potential options for resolution of the theft, and regarding follow up attempts on the part of representatives from their company. I have no faith that I will see this money again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation
State: NC

Complaint narrative:
I have had a personal consumer loan with Avant finance for over a year. Monthly payments are {$260.00} per month and after 12 months only {$750.00} has been applied to the loan. The interest has been front loaded and if I carry the term of the loan, I will end up paying over {$8000.00} in interest. I am not sure if this is legal, but feels like I am being taken advantage of and predatory. Do n't mind paying the loan, I borrowed the money but more should be applied to the principal. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA

Complaint narrative:
Went into branch XXXX/XXXX/15 ; made cash withdrawal of {$610.00} before XXXX ; next evening, XXXX/XXXX/15 after XXXX called auto system to check balance ; I was given an amount of over {$600.00} by the automated teller ; was assured by customer service agent that the amount of the balance quoted was correct and it was from my employment ; transactions were made ; I was charged overdraft fees all because someone in the branch did not do their job correctly and I was led to believe this money was available. If cash is withdrawn from an account, how can it still be there? I thought it was a bonus ; I do get bonuses from my employment. The amount of overdrafts reached an amount that was more than my next paycheck. The bank did take responsibility for part of the overdrafts but the fact still remains that I had to pay for someone else 's mistake. Why would it take over 24 hours for a cash transaction to post? My guess is someone was not paying attention. 
Just the month before I went to the same branch office and asked to withdraw the same cash amount from my saving. The same teller withdrew money from my checking account when he/she could plainly see that the amount requested was not in my checking account! I 'm standing right there. Could n't she have just checked with me to make sure it was the correct account? That time also I called to check my balance the next day and found my checking account overdrawn! This time when I spoke to a customer service agent I was able to transfer the proper amount of funds from savings to checking to cover someone else 's mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: NY

Complaint narrative:
Vanderbilt Mortgage Finance is collecting too much for escrow which in turn makes my required payment much higher than it should be. Given the amount of tax and insurance, the amount with two months cushion should be {$520.00} and they are charging me {$570.00}. They are also charging me a duplicate tax bill fee which I contacted our tax collector and they stated that this fee should not be passed on to the homeowner as they send the original bill to the lender. I am attaching my escrow information along with the email the tax collector sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Avant Credit Corporation
State: AL

Complaint narrative:
I have an account with XXXX XXXX and was told I was preapproved for {$11000.00} for a loan with Avant XXXX. It said it would do a " soft '' hit on Credit just to see if I was approved and OF COURSE, I was approved. So I go on to the next part which basically is getting all your banking info, because you have already been approved ( lie ), including my acct number and also access to my account. Sent in all documentation needed and 2 hours later I am told it took an " adverse '' action- basically rejecting it. I feel extremely violated and scared now that my account will become compromised by Avant or anyone else they sell my info to. It is n't about being rejected. I am a XXXX year old woman. I am concerned greatly because of all the information that was shared and how " preapproval '' is just another word for " bait and switch ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I need help with BMO Harris suspicious account activity. I have had 2 loans with Bmo harris for many years. 2 Mortgage loans. I went through a bankruptcy in XX/XX/2009 and reaffirmed on both loans. I have been making 2 monthly payments and I have recently tried to refinance with a different bank. I just found out that the 2nd loan has been sitting in a bankruptcy hold account and my payments have not been being applied to this loan. And on top of this they have applied over XXXX in Late charges to the account with out contacting me of any problem. I asked the representative why I was not contacted and she said because they can not contact an account in bankruptcy. The acct has been out of bankruptcy since XX/XX/2009. PLease help 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 2016-05-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I refinance with Fifth Third Bank in XX/XX/XXXX in XX/XX/XXXX I got a refund of XXXX from my escrow account, in XX/XX/XXXX I received XXXX from my escrow, for XX/XX/XXXX Fifth Third Bank said that I owed them XXXX I call Fifth Thrid Bank and ask why do I owe you, and the lady said that my homeowner insurance went up XXXX for XX/XX/XXXX and my taxes went up XXXX. I said to her where is the rest of money from escrow and she could not explain it to me. I was told to go to my Fifth Thrid branch and have them to explain to me what was going on with my escrow account I did go to the branch and they could not help me either. Can you help me with this matter. My contact information is ; XXXX XXXX XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Mullooly Jeffrey Rooney & Flynn
State: NY

Complaint narrative:
I had XXXX XXXX XXXX XXXX. 
I defaulted on the card because of XXXX change in policy that I could not afford to keep up with and mounting medical debt. 
It was sent to collections and XXXX LLP have harassed me and made false statements. 
Legal aid helped me find court documents with falsehoods and service papers. 
I am on Social Security XXXX and can not make payment. 
The dates on the papers sent to me by them with Supreme Court of XXXX headings seem not to be legitimate listing multiple addresses. 
I was never served by anyone with the papers. 
I received a letter dated XXXX XXXX, 2015 referring to a complaint dated XXXX XXXX in which I was given 20 days to respond to. Obviously this voided my opportunity to respond. 
The rest of the documents legal aid found online. I had no knowledge of these. 
The affidavit of Service from XXXX XXXX is also false, I was never served, this document was also found on line by legal aid. 
The dates are all untimely and impossible to meet. This is all done in an attempt to scare me into paying them. 
This is to include phone calls and claiming to have served me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I disputed a charge from bank account in XXXX 2016 regarding a charge from XXXX rental car. I was involved in a car accident and XXXX paid XXXX the money owed for the rental car. I confirmed with XXXX that the check was cashed by XXXX on XXXX for the amount that I was disputing. I contact XXXX on several occasions and was advised they would send me a check for the balance that was deducted from my bank account, the amount was {$590.00}. I was advised by the store manager of XXXX that the check would take 6-8 weeks it has now been 9weeks,. I contact XXXX a few weeks ago and was advised by one of there associates to dispute the charge with my bank and that this will resolve everything. Yesterday the bank declined the dispute and took all my money from my account without any notification. With that being done I contact the bank and they stated their is nothing I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Business and Consumer Solutions.
State: CA

Complaint narrative:
I got a call requesting my ss # and birthday for a debt which I know nothing about.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I had an old account with firth third bank back in XX/XX/XXXX. I paid the overdraft fee at the branch. to date this this information is still showing up in my check systems history. theyare reporting the account as inaccurate. ive given the documentation of payemetn ( XXXX ) separate times. It is still on my report as of today XXXX XXXX. Im extremely furious and I wont them to be geld accountable for this inaccuracy, and remove this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BMO BANK NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I have a duplicate charge from a XXXX for {$25.00} on XXXX/XXXX/16 and have tried to get it resolved with BMO Harris and the XXXX. Neither one is helping me and I do n't know how to get my money back!

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 2015-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
We initially started a refinance with our current Lender, Freedom Mortgage. After receiving the rates, we decided to go with another Lender. We are at the final stages of completing the new loan transaction and paying off the Freedom Mortgage Loan, and require a " payoff statement '' from Freedom Mortgage. Unfortunately, this process is being held up because Freedom Mortgage refused to give it to our new Lender sighting " we were working with them still ''. Since that is n't true, we wrote a letter indicating we were no longer working with Freedom and instead, we are working with XXXX XXXX. 

Even after providing this letter ( which Freedom Mortgage required ), our new Lender has not been able to obtain a payoff. I ( XXXX XXXX ), then contacted Freedom Mortgage personally, in another attempt to obtain the payoff. I was told by the frontline representative that it will take two ( 2 ) weeks to mail it, which is unacceptable. They 've had ample time to order the figures if need me, so that it can be ready for us to have in-hand. After asking to esclate my request, I was then connected with a manager who stated that they might be able to have it ready and fax it to XXXX, but there were no guarentees. As you can understand, every day this take longer, I 'm being charged additional interest at a higher rate, than if my loan was with XXXX, so it 's important to me to get the payoff statement quickly, so that we can move forward. I 'd like to understand what Freedom 's timeline is for providing a payoff? Waiting two weeks or to be told " I might be able to get to you '', seems like a bad busines practice. I checked Freedom 's website, and all though it 's covered with informaiton on how to refinance with them, there 's not even an option for me to electronically order one ( an option most servicers provide ). By not processing these statements quicker, it seems like a stall tactic so that you can continue to charge me interest at a higher rate, and to try and pursuade me to do business with you only. My request is that you ( 1 ) Provide a payoff statement ASAP directly to XXXX via fax @ XXXX attention XXXX XXXX and to ( 2 ) please help me understand how your only option for provding a payoff statement is through snail mail, which can take up two ( 2 ) weeks to order.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation