vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Sequence of events : 1. ) In XXXX - XXXX of XXXX, while negotiating with Fifth Third Bank our lending institution, to expand our line of credit, which was coming due in XXXX - XXXX, XXXX, they changed our loan officer from a woman, to a man XXXX, who I believe, is XXXX, ( this will become apparent as we go on ) & has caused the destruction of my business. ( He 's since been moved up the ladder. ) Following that meeting we were moved to loan workout for no apparent reason, we never missed a payment were late & broke no covenants, however soon after we were informed of a ratio covenant deficiency we believe was caused by them. In XXXX of XXXX, when credit facility ended, instead of offering extension, we were forced to sign a forbearance which said we admitted default, though there was none, but we had no choice, or declare bankruptcy, nor could we find an attorney willing to defend us. 
Several other incidents took place forced by them including, bouncing checks, causing loss of our best supplier, further eroding our supplier base. We were then forced out of the bank to to an Asset Based Lender, who could not do real estate, our mortgage loans remained with Fifth Third, with the proviso that as soon as possible we 'd get them refinanced elsewhere, which became impossible due to our losses & the hard line forced by Fifth Third. 
In early XXXX, they began to further harass, & seek to foreclose, even though no payments were missed or late, again with the default complaint as the basis. We then hired an attorney who filed a motion in court to block their attempt, which held up until, XXXX of XXXX, & we were forced to file Chapter XXXX for the entities owning the properties, to protect from foreclosure which is where we stand today, with little less than 10 days to go, they have been relentless, ruthless & I believe XXXX in their pursuit, why else? 
Summation : We have not caused the bank to lose any money, they were paid out. 
For a covenant violation, they 're entitled to ; basically confiscate our properties & end all chances of our staying alive?? 
Continue to cause additional losses to XXXX & XXXX by litigation expenses, theirs & ours?? ( upwards of ( {$100000.00} ) As of XX/XX/XXXX They can always foreclose if we stop paying, they are the first lien holders!! 
Why they want our properties, which are appraised for far more than the balances. 
XXXX of the properties, is backed by the XXXX which generally does NOT allow foreclosure if paid regularly & on time. 
SO WHY? There has to be some sinister reason for this action, there is no downside for them, why not allow us to maintain status quo?????

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05 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:
I opened a business checking account at Fifth Third Bank on XXXX/XXXX/16 with bonus offer that was supposed to give me {$400.00} for depositing and keeping {$5000.00} balance during first 60 days and making XXXX debit transactions. I have completed these requirements, but have not received any bonus. I contacted my local branch and they confirmed that I have met bonus requirements, but have not received the bonus due to glitch in their system. They said they would escalate this issue to the regional manager and it should be resolved. However it has been more than a month since then and no bonus is issued. I tried to contact my local branch many times, each time they said that either " somebody is on vacation '' or " somebody is too busy '' and promised to resolve soon. Now they do n't even return my phone calls. It looks like they are not willing to issue this bonus to me, at least nobody seems to be working on this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
I refinanced my loan 3 years ago. I have never received a statement during this time frame and thought I could only make my mortgage payments on line. Each time I made a payment I was charged an extra fee of {$5.00} to {$10.00} each transaction. There is no where on the web site advising me of my right to mail in a payment and not have to pay the extra fee. I have been trying to reach customer service for a mailing address and so far have been on hold for over 2 hours and it is XXXX. ( open till XXXX per web page )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XXXX 2016, Citibank advertised a promotion that if you open a new consumer checking account in either the XXXX or Citibank account package by XXXX/XXXX/16, make a qualifying deposit of {$15000.00} or more within 30 days of account opening and also maintain a minimum balance of {$15000.00} for 30 consecutive days, you would receive a cash bonus of {$400.00}. It is now XXXX XXXX, 2016 and no credit has been made to my checking account. Here are the inquiries I made : XXXX/XXXX/2016 : I have contacted them and opened an investigation on XXXX/XXXX/2016 and received a documented response on XXXX/XXXX/2016 that the account has met the requirements ( qualifying transaction ) as of XXXX/XXXX/2016. I was told that I would receive the credit within 90 days of the qualifying transaction. 
XXXX/XXXX/2016 : When I did not see the cash bonus in my account XXXX/XXXX/2016 ( 90 days after the qualifying transaction ), I contacted Citibank again via online chat on XXXX/XXXX/2016, filed and investigation on XXXX/XXXX/2016. No response. 
XXXX/XXXX/2016 : I contacted the dispute unit on XXXX/XXXX/2016 giving the same response as of XXXX/XXXX/2016 and still no credit on the account. Instead I was told that it would be another investigation XXXX after XXXX/XXXX/2016 response letter. 
These responses and promotion seems very suspicious to me and appears to be deceptive marketing/sales and business practices. There 's no valid reason further investigation if I 've already met the requirements according the fine print in the promotion document and the investigation.

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 2016-10-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I have a Collections account on my credit report from National Credit Systems in regards to XXXX XXXX. I 've satisfied this account in full on XXXX XXXX, 2016. I was informed by National Credit Systems that my account will update on my credit reports on XXXX XXXX, 2016, I called to see why it has n't updated after XXXX XXXX and they said that it will update on XXXX XXXX, 2016. Today is XXXX XXXX, 2016 and I spoke with National Credit Systems and she said that they requested for it to be updated. XXXX informed me that it has not been updated since XXXX XXXX, 2016. National Credit Systems continuously lied to me about updating my balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Tax lien {$2600.00} Status Unreleased & XXXX XXXX XXXX {$10000.00} Unsatisfied were both discharged through bankruptcy XXXX XXXX 2016 but still show on my XXXX & Experian Credit Report. I am trying to get a mortgage loan but need this cleaned up. It took me several days to finally be able to report the disputes. I still can not access my free credit report from XXXX. I had no problem with XXXX, it was resolved in less than 12 hours. I have a XXXX ill XXXX son living on the streets that I need to help with housing. It is vital that the credit reports are cleaned up as soon as possible.

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 2015-10-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: MS

Complaint narrative:
I was divorced XXXX 2014. Because of my divorce, I suffered financial hardship. I applied for a loan modification. As part of the loan modification process, I submitted my divorce decree, copy of my quit claim deed, and supporting income to show I qualified for the loan. I was approved for an FHA HAMP Modification Loan with ONLY my signature. The divorce decree stated that I would need to have my ex-husband 's name removed from the loan. I was told by the lender that after the modification was finalized then I could fill out the appropriate paperwork to assume the loan. Now, I am being told by the lender that I do not qualify for the assumption because of my " poor credit with them ''. I have poor credit with them because they told me that I would have to be 3 months behind on my mortgage to qualify. Since that time, I have met all the partial and trial payments that they have requested. I am the ONLY one that is paying this mortgage. If I do not get an assumption, then I will be forced to sell the house ( per court order - which the lender had prior to approval of modification ) or I will be in contempt of court. Since I ca n't sell the house for the amount that I owe, then both the government that secured the modification and myself will end up with a loss. The only one that will benefit is the lender. I am not trying to pass on my hardship/modified terms to someone else. I just want to have my ex-husband 's name removed from the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
XXXX XXXX and XXXX had XXXX loans with XXXX XXXX, when they split into the Navient they screw up my payments, would send XXXX to Navient and XXXX to XXXX XXXX, per the addresses they provide me. Well all the payments I sent to Navient were getting credited to the XXXX XXXX XXXX account. I called them and they said I had to send them proof that I sent the money, and to up-load the cancelled checks. Went online to upload documents as they told me to, but there are no options to upload the docs on their website. Called again, had to explain the story XXXX or XXXX more times to different reps. They kept on passing the buck around to different reps. 
Finally a rep told me there was no place to upload docs as the other reps told me to do ... ... Straight up lies. Finally talked to a rep, who told me to send separate payments to different account numbers, XXXX to Navient and XXXX to XXXX XXXX. These companies should be shut down. Customer service is on par to XXXX. XXXX different companies under XXXX umbrella.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I am XXXX and on SSI. I informed Navient of this and instead of offering me the Zero pmt option, they have given me a forebearance for years turning XXXX to now XXXX with over XXXX in interest. They just today notified me of the XXXX balance. I am currently trying to get a dismissal of the entireloans, but never did they teel me how much the forebearances would cost me!!! I am XXXX therefore have NO taxible income and I notified them of this 5 yrs ago, yet they continued to rack up interest making me own double now!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Strategic Alliances, Inc.
State: FL

Complaint narrative:
I have been called again about XXXX XXXX XXXX who is using my phone no. as his. I have a case pending and now have XXXX more agents trying to collect from me. The First financhial asset management from XXXX Fl. XXXX and a call today from XXXX New York XXXX. They did n't give me there name. This has gone on now for over two years and i had my phone no over 14 years so know he is illegally useing my no. and they are harrasing me about it again. Please open a new account to stop this from going on. Thanks You

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: ECMC GROUP, INC.
State: NY

Complaint narrative:
This company is continually calling my job. When sent to my voicemail they do not say anything. The phone number they are calling from is XXXX XXXX XXXX XXXX. They even called the receptionist and said they were calling from the US Postal Service. they told her they must speak with me. When I got on the line the person hung up the phone. Their tactics are unscrupulous and deceitful.

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 2015-07-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
We carried a mortgage with another company and then found out that our mortgage had been sold to a company called Freedom Mortgage. We hit hard times when my husband lost his job after XXXX years. We went to our mortgage company and tried to modify our loan until we could get back on our feet, sent us paperwork to fill out and send back in which we did with our documents, we faxed them continuously and we mailed them, each time they told us they never received our documents. We in return resent documents time and time again and with no fail was told they did not receive them. We then had to go through mediations and worked with a lady named XXXX and explained to her what was going on, she also faxed the documents to the company and once again they said they did not receive them. Now we have to go through loss medigations because our home was being foreclosed on. We went to Save the Dream for help and sent in paperwork and was told that they could not help us because we were in foreclosure, this was XX/XX/XXXX, come to find out that they said we did not submit documents to them either. After doing some research I discovered that Freedom Mortgage was a preditory lending company with XXXX XXXX attached to them of course this was after my home, my family home that my parents had built XX/XX/XXXX had been foreclosed on and sold in a sheriffs sell. I feel as though we were set up for failure from the very begining of trying to save our home, we tried to get help in every way we knew how to. Freedom Mortgage never had any intentions in working with us to save our home. We fought with everything we had to save our home just to have it taken away from us. I am XXXX and had told them that and it still did not matter to them. No one should have to go through this even though there are so many families out there that are loosing there homes to companies such as this. We even had to file bankruptcy to stop foreclosure to work on getting help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Mullooly Jeffrey Rooney & Flynn
State: NY

Complaint narrative:
My employer received a fake subpoena from Mullooly, Jeffrey, Rooney, & Flynn XXXX issued supposedly by the XXXX New York XXXX XXXX XXXX, disclosing my personal information, the creditor 's name and amount that is owed to the creditor. I do not find it fair that this notification came to my place of work. Many things could have happened like losing my job and embarrassment with my co-workers when they find out of this fake subpoena.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caneel Capital, LLC
State: CA

Complaint narrative:
back in XXXX I had some difficulties to pay my mortgage, first and second loan I could work with XXXX XXXX services who had my two loans, they helped me with the first loan but the second loan they did nothing with, after they went to bankruptcy the second loan disappear no one could give me any information, two years later a company appear trying to collect XXXX XXXX dollars, but I did not had any money to work with them, now eight year later appear trinity financial, now they have my house for sale on XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I have not been in contact with my loan processor/mortgage broker, XXXX XXXX at Freedom Mortgage Company in XXXX, FL for several weeks. He has not contacted me after I have made several attempts via emails, phone call, voice messages and text messages for a status on my loan application approval. I do n't know if my loan was approved or denied. There has been no phone call or email with a status of my loan. It is approximately 2 weeks before my closing date. At this point, I am left with wondering if myself and XXXX child will be homeless due to the disregard and unprofessional conduct by the loan officer. Also, I have tried to contact the loan officer manager and left him a voicemail. He has not responded back to me either. The last time I spoke with the loan officer, XXXX, he stated he was going to submit my loan on Wednesday, XX/XX/2016 and he had the signed documents.

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 2016-10-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Freedom Mortgage Company
State: IA

Complaint narrative:
I was contacted by Freedom Mortgage shortly after my mortgage was sold to them from XXXX encouraging me to refinance with them the loan they currently serviced. I was told they would lower my rate and it would n't cost me anything. I asked why they were doing this and they replied if we do n't someone else will. I agreed as long as the term of my loan was n't extended and the rate was lowered and it did n't cost me anything. Documents were mailed to me dated XXXX/XXXX/16. I signed them and returned them XXXX/XXXX/16. I contacted Freedom Mortgage several times after returning the documents to get an update on the process but no one would return my calls. I received a call from Freedom Mortgage inquiring about a loan I had at a credit union and it was suggested I pay it off since it was such a small balance, I did. Once again I made several calls to Freedom Mortgage to get an update and once again my calls were not returned. I finally was contacted by Freedom Mortgage requesting information I explained I had already sent it XXXX/XXXX/16. So XXXX/XXXX/16 I forwarded by fax and mailing hard copies as requested sent the requested information. I then contacted Freedom Mortgage to get an update but once again my calls were not returned. I then received a call stating that since I paid off the lian at the credit union they would have to change my loan. Freedom Mortgage requested I I pay it off and I explained this to them. They said I would need to start the process over because to much time had transpired from when I signed papers in XXXX. By this time its XXXX and they would be sending me more paper work. They have pulled a second credit report which has lowered my credit score because they have not done their job and stayed on top of this transaction they initiated. I 'm unable to " do anything that would affect my finances '' until this refinance is complete is what Freedom Mortgage has told me. I 'm very upset as they started this process and have drug their feet in finishing it. If I go to another institution to refinance my mortgage another credit report will be initiated lowering my credit score yet again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Freedom Mortgage Company
State: IA

Complaint narrative:
I have been trying to get a " stringline '' mortgage done with XXXX since XX/XX/XXXX of this year. I have finally ended my relationship with them due to concerns over private information sharing and their practices are concerning.

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 2016-03-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I had an account with Fifth Third Bank. I had an alert sent to me on when a payment was due. I closed the account yet they continue to send me the alerts on the payment due. I have talked to multiple people at Fifth Third, spending hours on the phone, and asked them to stop these emails, and they have not stopped. The emails do NOT contain an unsubscribe option ( is n't that a violation of the CAN SPAMM act?? )

Company response to consumer: Closed with explanation