vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-17 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Avant Credit Corporation
State: MI

Complaint narrative:
I took out an online loan with AVANT in the amount of XXXX simple interest being charged at 35.9 %. I live in the state XXXX. Avant later posted rates for the state with similar score and profile as mine in the amount of 29 %. I requested information from AVANT on how my rate was determined. The request was made by phone. I made a second request, and subsequently a third request. I was told it would take 45 days to respond. I called on several occasions and asked to speak to a supervisor. I did not receive a call back and AVANT sent me a response after the 3rd request over 60 days later regarding an answer to my question, how was my rate determine. The answer by AVANT referred only to it is determined by the computer system. I re-applied for a refinance to lower the rate recently with AVANT. My credit profile is stronger, my debt lower, and my payment history has been excellent the past 6 years. In order to refinance, AVANT states you have to take out an additional {$1000.00} above the current amount of your outstanding loan. I was denied the ability to refinance to the lower rate. Again, rates posted are lower than the rate I was given. Avant does n't respond to the borrower 's, effectively nor timely. The underwriting process to determine rates is not systematic and fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
My daughter XXXX received her annual escrow statement from Fifth Third bank with a substantial increase in mortgage payment. Partially due to an increase in property taxes and insurance but a large portion relates to the cushion analysis for the upcoming year. The concern is that the ending balance in the XXXX projection does not agree with the beginning balance of the XXXX projection. After almost 2 months and trying to resolve this with Fifth third I was able to determine that they had deleted one months escrow payment from the calculation. I have emailed this information to them for correction. However, they are not returning my calls or responding to emails. I have delt with XXXX XXXX, her supervisor XXXX ( I believe the last name is XXXX ) and another supervisor XXXX, who would not provide a last name. I analyze my daughters escrow every year and XXXX with 28 years of experience. Fifth Third was unable to answer ( or unwilling ) my questions and this has been a very frustrating experience. I am not sure they will ever resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Since the beginning we have had nothing but trouble with this company, about two years now, they continually raise our monthly payments and upon inquiry as why they were going up we were told it is due to a missed payment and it distributes that months payment across a 12 month period, which would be fine if we were actually behind! Additionally, every month we try to make a payment online it simply says that a payment can not be made to an unknown error, we have tried several different browsers and computer still did not work, forcing us to make a payment through their telecommunication and proceeding to charge us a penalty of {$40.00} or so each month. However, what brings me here today is another issue we continually have with them is that, this month we were actually able to submit a payment online and recived a statement stating that the payment was received and successful on the XXXX however today we received an email stating that the payment failed and they have charged us a {$15.00} failure fee, an additionally {$30.00} processing fee or something, and now a late payment. When we called the mortgage company to make the payment again because a website can not refund these fees as I feel we are entitled to a refund due to the fact that, we received a successful payment statement and they waited XXXX days to contact us which made our payment late, we now have to pay the telerep fee, and upon demanding a manager several times the representative refused to let us to talk to XXXX. This company is a crook! and upon looking at the XXXX reviews it appears that many people has had the same issues. 
Thank you.

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 2016-11-02 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: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
I have a a unverified account from FABCO. I had previously disputed this account. I have never done business withFABCO. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that FABCO Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that FABCO Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Professional Recovery Management
State: FL

Complaint narrative:
I have disputed these accounts with Fox Collection Center ( see attached letter ). To date, this collection agency is yet to provide me substantial documentation to support my owing them. I have requested copies of all documents sent to me regarding these accounts as well as papers that show I agreed to pay them what they say I owe and that the documents bear my original signature. This company is reporting terms on my credit reports and I have never entered into any contract with them. Additionally, consumer law states that collection agencies may not report terms on my report unless I have indeed entered in a contract with them. I have never heard of this company. These erroneous, inaccurate, unverifiable accounts must be removed from my reports immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
I attempted to get a refinance mortgage. Amerisave charged me {$420.00} for an appraisal and then proceeded to send me inaccurate paperwork. They did this 3 times and when I told them I could n't sign inaccurate paperwork they closed my loan application saying I did n't respond. I have contacted them XXXX times and they are refusing to contact me back. I looked up Amerisave Mortgage and there was a lawsuit by the CFPB that Amerisave lost forcing them to pay a large amount of money for illegal practices such as this. Well, they still are doing so. I would like my money refunded.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am filing this XXXX dispute in referenced to the accounts listed above in my original dispute to Experian. I have disputed these alleged accounts information as inaccurate with Experian, and Experian has come back to me and stated that you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, along with XXXX XXXX XXXX myself and have been unable to get them to verify that these alleged accounts are indeed my debts. 
I enclose copies of my requests for them to " Validate '' my debts, and the receipts showing that I sent these letter certified signature request. These alleged debts are not mine and I was given any evidence of my obligation to pay this debt to the collection company 's listed above in my original dispute letter. 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc.
State: PA

Complaint narrative:
I opened my current account with XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, PA on XXXX/XXXX/15. Also on this day, a fraudulent account was opened in my name and social security number at XXXX XXXX XXXX XXXX XXXX XXXX, PA. I believe this was an internal error as the XXXX accounts were opened in the same day but I have been unsuccessful in getting XXXX to admit fault or even look at the problem ( this has now been going on since XX/XX/2015 ). We did everything XXXX asked us to do on our part by submitting the proper documentation that they required. After taking all these steps we never heard anything and the debt has now been placed on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase has been charging me late fees for three years in excess of {$1200.00} for a returned payment of {$28.00} dating back to XXXX XXXX. I had been assured that I would not have to worry about fees under their AutoPay system, which I enrolled in sometime in XXXX. I called up to inquire about why they XXXX my account, again, as well as why there was still a balance on my card. They also had n't sent me a new card, as my old XXXX had expired at the end of XXXX. Instead, I 'm told that I 've been assessed late fees for 30+ months and that returned payments are can not be processed through their AutoPay system, which I was not aware of. They repeatedly XXXX my user account and I was unaware of the issue with the payments or that late fees were being assessed. They charged {$35.00} penalty monthly and refuse to assist any further with late fees apart from a credit for this month. I have paid more in late fees than the limit on the card of {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: MI

Complaint narrative:
I originated a mortgage with Guaranteed Rate. The close date was XX/XX/XXXX, or XX/XX/XXXX. My mortgage was then transferred to Freedom Mortgage. I have my homeowner 's insurance and property taxes escrowed into my monthly mortgage payment. I currently have a escrow balance of around {$4800.00} at Freedom Mortgage. My real estate taxes were due XX/XX/XXXX to the city of XXXX, Michigan. They have not been paid, and penalties and interest has accrued. The total tax bill that is currently due is around {$2800.00}. 

I first found out that my taxes were not paid on XXXX XXXX, XXXX. I just found out from Freedom Mortgage that the estimated payment date is going to be XXXX XXXX. The problem with this is that the City of XXXX is going to transfer my property taxes to XXXX County and a lien will be placed on my property. This is going to happen on XXXX XXXX. 

So, this is a very serious situation. I can not have this happen. I have been speaking to someone directly at Freedom for the past week. Her extension is XXXX. She said they escalated it to their claims department, but I can not get any further idea when it will be paid. I told them that my property taxes will be transferred to XXXX XXXX, Michigan on XXXX XXXX, but I am getting nervous as to if it 'll be paid. 

Please find something out or see if you can do anything to escalate this. 

My contact information XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, MI XXXX Cell : ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: Eagle Home Mortgage, LLC
State: CA

Complaint narrative:
Our mortgage lender qualified us for a 5/1 ARM VA Jumbo 100 % financing loan at 3.125 % interest for {$590000.00}. On XXXX/XXXX/2015 we opened up escrow on a home. 12 days before our close date ( XXXX/XXXX/15 ) our mortgage lender contacted us via telephone to inform us that we have been approved for our loan ; however not the initial 5/1 ARM VA Jumbo loan- unless we were to put 25 % down of the difference from {$410000.00} and our purchase price. Our lender stated that we are able to receive a fix rate 30 year mortgage at the interest rate of 3.875 % without any lender credit or an interest rate of 4.125 % with a {$3500.00} credit. The reason the 5/1 ARM loan was denied after the underwriting approval is because of some kind of " overlay '' that the underwriter " missed ''. The reason for this " overlay '' is not associated with anything questionable in our finances, credit score, debt to income ratio or anything else on our end. I have contacted other lenders which all have informed me that our lender should have known this before we went into escrow. I feel that our lender used a bait and switch tactic to get us this far into the escrow process thinking that we would just go with a higher interest. The change in the interest rate would increase our monthly mortgage by at least {$400.00} a month. I have asked if there is any way our lender could work out the current issue with us, but they gave no other options. One day after the previously mentioned complaint, we received a conditional loan approval for the product 5/1 ARM VA Jumbo 100 % financing at 3.125 % interest directly from the loan processor of the loan company in question. However, our loan officer still denies that we were ever approved for such loan terms.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Consulting Services, Inc.
State: CA

Complaint narrative:
Credit Consulting Services sent me a notice of Outstanding Obligation as it relates to XXXX XXXX XXXX XXXX and requested that I contact and deal with the company directly. I have enclosed a copy of the letter for you for your review. I received the letter on XXXX XXXX and respond back to CCS with a certified letter on XXXX XXXX. I advised them ( CCS ) of the payment that was made to XXXX XXXX XXXX XXXX and that I had also put in a call to the XXXX XXXX ( one of the partners of the company ) because when I connected with him by email I had advised him that I had already had my taxes prepared. I was told the process would only take XXXX weeks but XXXX weeks turned into 4 months. Anyway, CCS sent me another notice on XXXX XXXX which could have been crossed in the mail, but I still sent them another certified letter which they received explaining the situation again. 

On XXXX XXXX, 2015 I received an alert on my credit report that I have a collection account on my credit from CCS. 

My concern is that CCS said they wanted me to deal with XXXX XXXX XXXX XXXX DIRECTLY, however they placed themselves on my credit alleging I owe them the debt!!! 

Also I responded to them 5 days after I received the notice from them and they still ignored me and placed the account on both my personal and business credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06 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: Southwest Credit Systems, L.P.
State: WA

Complaint narrative:
I had been a customer with XXXX since 2010 and after many issues with there service, I had canceled it and switched providers. They then sent me a bill which was way to high. Because previously I had paid off my phones. They stated that bill does n't reed right when the phones get paid off and because I switched providers would not allow access to my account to see how it was billed. There letters do not give exact details of how moneys were applied. They also said I had a leased phone in which I disagreed because the representative lied to me about there lease program. After all of the discussion of the bill they sent me to collections with SW credit solutions. SW credit solutions never sent me a letter stating they were collecting the debt and never gave a notice of my rights. They then reported negatively to my credit and never gave me a option to even pay the bill. This whole time I have been willing to pay but was just wanting to pay the fair amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
I do not recognize this account was opened up because of my identity being stolen it needs to be removed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
My loan was transferred to Freedom Mortgage starting on XX/XX/2016. I had sent a payment to the wrong company XX/XX/XXXX, and talked to XXXX different customer service reps to make sure that a late fee would not be charged. They both stated that they had removed the unauthorized fee, yet they keep showing up in my statements. Under federal law, a person can not be charged a late fee within the first 60 days after a loan is transferred, and a loan is transferred according to the XXXX payment to the new provider ( XX/XX/2016 ). I am also unable to pay the amount without the late fee, unless I call in, in which they charge me a {$15.00} convenience fee! I have my previous conversation with the customer service rep recorded, where she agrees that I am right about the fees, and also promising that it will be removed from the next statement.

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 2016-11-03 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
My primary bank is Fifth Third Bank, as it has been for 15 or more years since I opened my first bank account. To my knowledge, I have not disputed charges in the past but did so recently when I made an online order that I canceled within 10 minutes of the order itself. I called Fifth Third 's XXXX number and was informed a provisional credit would be made. I offered to provide the email canceling the service but she said it was n't necessary. The charge was for {$99.00} which caused, partially, my account to be overdrawn and {$110.00} in charges from Fifth Third Bank itself. I recently received a letter saying they denied my dispute because the cancellation must be provided to the merchant before the posting of the item. I am confused because in this instance, it was provided prior to posting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-22 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Hello, I 've been banking with Fifth Third for most of my adult life. It 's been a tumultuous relationship at best, but I 've always stayed because I had automatic deposits and withdrawals setup. On Saturday, I made a deposit to my checking account via a check that I had received. I very rarely deal with checks anymore because so many things have become automated and/or done on the internet. The check was from XXXX refunding me fees erroneously collected when I had my mortgage setup on the equity accelerator program. The deposit ticket clearly stated the funds would post to my account on XXXX. According to the transaction history in my bank account the funds did clear and post on the XXXX. Today when I went to check my balance I noticed an overdraft fee for {$74.00} dated XXXX which was causing my account to have a negative balance. I immediately called 5/3rd and spoke to a bank teller named XXXX who became exasperated with me and transferred me to XXXX the bank manager. He blamed the problem on me and intimated that I should have known better since I went to the bank on a Saturday. Most banks do n't have full hours like 5/3rd does on weekends. They wo n't refund the fee and they ca n't explain why my transactional history does n't jive with what they are telling me verbally. I 'm very upset. 5/3rd has continuously made money from fees by pyramiding or assessing overdraft charges when I 've had money in my account pending or otherwise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-07 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had a company credit issued to me and the company closed the credit card in XXXX 2014, however the credit card continued to charge me a fee for a service from another company that I had already closed, without informing me of this going on. The card had been closed and expired and the credit card still let the charges accumulate. They also went to an electronic notification and I was never notified of any of this until I received a collections letter over a year later about charges and they were sending me to collections. The credit card let a company charge a closed account for over a year and never informed me of this, and the company charging against the credit card has not provided any service to me since XXXX of 2014, when I closed the account.

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