vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: M&T BANK CORPORATION
State: GA

Complaint narrative:
M & T BANK purchased my mortgage loan for my home XXXX XXXX XXXX XXXX GA XXXX loan XXXX ) XXXX XXXX, XXXX the principle balance transferred from XXXX Mortgage. $ XXXX XXXX statement showed I owed XXXX There were no missed payments.I contacted M & T numerous times who transferred me to XXXX XXXX XXXX XXXX XXXX They instruct me to write a letter, I do but they never send the information explaining how the principle went up by $ XXXX Little Mortgage Customer Support, Retail loan Servicing did mail me a letter stating the principle was {$230000.00} when M & T purchased the loan. After written request my questions where never answered why the principle when up on a 30 year fixed mortgage.I called today XXXX and was told the request would need to be in writing again. XXXX XXXX wrote me a letter, confirmed the starting balance {$230000.00} XXXX. She referred me back to XXXX XXXX if I had further questions, which is there General Customer Service line, they tell you to write another letter.What I keep asking them is how did the fixed mortgage increase by {$5600.00}. with no missed payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 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: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I am the family member of the person this agency is attempting to contact. They have called me more than XXXX time. They asked me to deliver a message to my family member. They have admitted that when they call me they do n't even know who I am, but they continued to call. They interrupt my work and my personal life with these calls. 

I was called more than once by the caller " XXXX '' at XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, OH XXXX have received multiple calls from XXXX which I also believe to be for the same purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
This debt is not mine. I 've been disputing this since it was with Springleaf in XXXX of 2009. 7 years later it 's been sold off and has restarted. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Valarity, LLC
State: VA

Complaint narrative:
I have XXXX at the time of this medical service and my XXXX was fully responsible for paying the medical bill. I had XXXX at the time for me and my XXXX kids as a single dad when I lost my job in 2012. The medical provider failed to file claimed with XXXX even after I provided my XXXX information at the time of service. This is wrongful collection attempt that has significantly affected my credit and I would ask that the collection be removed from my credit file. 

This collection agency can not be contacted and there are many consumer reviews on the web of abuses from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I applied for a XXXX mortgage with BMO Harris ( 25 % personal cash down payment ) and was denied given the reasons of " Limited Credit Experience '' and " Unable to Verify Income. '' I have a XXXX imperial score, provided all information requested including source of funds, XXXX, and employer letter with my start date of XX/XX/XXXX that included compensation. I have history of credit cards paid in full, vehicle loan, as well as continuous employment since graduation from XXXX in XX/XX/XXXX and after a 1 Yr XXXX from XXXX University in XX/XX/XXXX. I feel my application was denied because of racial discrimination as an XXXX XXXX female and the bank is scrutinizing applications from XXXX, IL unfairly. Whereas in contrast, people with similar paper profiles ( education, income, credit score, employment history etc. ) are not denied in suburbs where the majority of the population is XXXX and the applicant is also XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 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: Diversified Consultants, Inc.
State: AL

Complaint narrative:
Consumer has made a previous complaint to CFPB about Diversified Consultants in which they responded with lies. Consumer e-mailed Diversified Consultants to inquire as to its reason for placing a statute of limitations-barred, bogus wireless bill on both my XXXX and XXXX credit reports. The rep responded that the account could not be located and requested I send my name and address to verify the account. Of course, I refused. The rep first asked for the last XXXX digits of my SS # -that I provided. DCI was quick to place this bogus item on my credit reports but can not find the account in their records and quick to respond with lies to the first CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I have made several request to Equifax to remove a fraudulent account that I do not owe them. I sent a identity theft affidavit as well as a picture of the persoon who di on and who was arrested for the crime. He has the same name as me and they st ill left the account on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Freedom Mortgage Company
State: MI

Complaint narrative:
Several months ago my wife and I researched refinancing our home in XXXX XXXX, we chose Freedom Mortgage. After several months, and to date ( XXXX XXXX 2015 ) we have not had the closing, but received a letter in the mail from XXXX XXXX on XXXX XXXX 2015 that : " The servicing of your mortgage loan has been transferred from XXXX XXXX XXXX XXXX to Freedom Mortgage Corporation effective XXXX XXXX, 2015 '', etc. 
The letter gives the address to submit payments : Freedom Mortgage Corporation XXXX XXXX XXXX XXXX XXXX XXXX with the first payment due on XXXX XXXX 2015. 
I made the payment to Freedom Mortgage account number XXXX, and now Freedom Mortgage is sending us another Good Faith Estimate with a completely different interest rate, mortgage payment, etc ... 
I was contacted by a XXXX XXXX, Mortgage Processor On behalf of Freedom Mortgage. XXXX ID # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXOffice : XXXX ext. XXXX Fax : XXXXEmail : XXXXXXXXXXXX. 
by telephone and e-mail. I replied to XXXX XXXX about the situation and my concerns about the original mortgage loan and informed XXXX that I have already started payments on the mortgage XXXX XXXX 2015. 
Today, XXXX XXXX 2015, XXXX replied back for me to provide her the loan number so she can look into this. 
I am afraid that this may be a scam or a fraudulent transaction, as that XXXX can not locate my mortgage loan number by my name, and that Freedom Mortgage has sent another Good Faith Estimate with different interest rates, etc., trying to fraud me and my family out of my hard earn military retirement / XXXX veteran XXXX XXXX. 

Which part of the mortgage process is your issue related to? ( 1 ) No closing occurred with official signatures, ( 2 ) per Freedom Mortgage letter dated XXXX XXXX 2015 to start payments on XXXX XXXX 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
FREEDOM MORTGAGE CORPORATION XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX Freedom Mortgage is notorious for not posting mailed payments in a timely manner and I have called them in the past about this very issue. My XXXX 2016 payment was mailed XXXX/XXXX/16 and has not been posted as of XXXX/XXXX/16. I call and let them know on XXXX/XXXX/16 that if the check is truly NOT there I can make this payment today but if it comes through after that it will overdraft my account. The rep ( XXXX ) stated well you need to stop payment on the check.I refuse to spend money on that because I believe the check is there and I requested them to look for it. I was told no they do n't do that. I requested a manager and was told no manager is available and was transferrd to escallations. The rep there continuously interrupted me as I was requesting them to look for this check. He told me they will not look for the check. Both reps refused to assist me. This company has no respect or consideration for it 's customers and it clearly shows. All I 'm trying to do is make sure this payment gets posted on time. If the payment truly did n't make it to their location it will be the only time this has ever happened. I have been mailing my mortgage payments for 17 years and NEVER had a payment not show up or ever show up LATE. My credit history and score is well above average because I pay my bills on time EVERY MONTH. This better not show up on my credit report due to this companies negligence in handling payments. I have mailed in payments to this company regularly between the XXXX and XXXX of each month and it is verifiable that they do NOT POST until the XXXX, XXXX, or XXXX. This company simply refuses to assist me on an issue I did not create nor do I have any control over. This is truly a shame and I want a company officer to call me immediately. Do not report any negative activity on my credit report and have a company officer contact me immediately.

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 2015-09-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
Hello : I purchased a 95 year old foreclosed property at XXXX XXXX XXXX XXXX, XXXX, MD. I later found it had major structural problems so we demolished it. 

In rebuilding we came to realize the reason for the old structural problems was because it was once used as a landfill at some point thus rebuilding on a contaminated landfill will cause many issues with the new structure and also health concerns. 

I have been trying to communicate to the bank that that now has my loan ( not the original mortgage company who turned around and sold it to this current bank ) that I need a deferment to resolve the issues we have encountered ( the place was once a landfill/contaminated soil ). 
I have borrowed over XXXX to keep up with the mortgage and pay rent too. It 's not sustainable. 

Is there anything you can suggest I do? 

Thanking you for your response. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Fifth Third Bank closed my checking and saving accounts. When called the customer service No Reason was given. Made several calls. They just gave me the name and number for the investigation department to call ( XXXX ) and talk to XXXX XXXX there to get information about my closed accounts. I called XXXX XXXX every day for more than a week ( XXXX/XXXX/16 through XXXX/XXXX/16 ) and left several voice messages for her explaining my concerns and requesting a call back. No one called. 
Finally had my brokerage accounts fund manager XXXX, at a local Fifth Third branch ( XXXX XXXX, IL ) on my request, tried to get hold of her and was told that it was blocked for some suspicious deposits and withdrawals. The bank would not specify which transactions. I have checked with all my vendors and clients and none of them had reported any issues with the payments they sent or received. All deposits and withdrawals were made into/from the accounts within US.NO FOREIGN TRANSACTIONS were made at all. The branch manager who spoke to XXXX also mentioned that the case is being reviewed by a different person and she would be giving me a call to discuss this case within next couple of days. More than a week passed and no one called me. 
Later I received a letter from Bank Protection Department of Fifth Third Bank that my accounts would be closing within10 days ( Again no reason was given ) and a Cashier Check for the balance in my accounts will be sent to me shortly. 
It 's been several weeks now and I have not received the check for the funds that were in my accounts at the time they were closed. Fifth Third Bank does not tell me the status of the check. All my savings were in the accounts and I am left with nothing. Had to borrow money from family to pay the bills that were due right away and still no word on my funds availability from XXXX. I had over {$15000.00} in both saving and checking accounts all together. 

Please help me get my money back. 

I need Fifth Third bank to send me my money that was in the accounts when they closed it as they promised. I still have the letter that they sent to me stating that a cashier check would be sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Been a victim of deceptive advertising practices. 5/3 Bank stated a O % apr for the first 15 months including balance transfers. Was stated over the phone that balance transfers would take place within 5-7 business days. It has gone past the days stated by verbal communication via telephone. 

It has gone well past the 7 days, and when I called in to verify, the operator stated it takes 4-6 weeks. Both conflicting stories. Many operators carrying heavy accents from foreign countries unable to properly communicate legal financial information should not be allowed dealing with vital personal information. Misinformation or improper annunciations of words can be detrimental to many contracts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I applied for a credit card with Fifth Third Bank which included a balance transfer of {$8500.00}. I was approved with a {$700.00} credit limit. I was not ok with the credit limit I was approved for as it was too small and completely out of line with my credit score of XXXX. I called and cancelled the card on XXXX/XXXX/16. On XXXX/XXXX/16 they pushed the credit limit up and processed a partial balance transfer of {$7600.00}. They did this after I had already cancelled the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 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:
Your form is malfunctioning. See attached description.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX XXXX XXXX, threatened if full payment is not received by FIFTH THIRD BANK by XXXX/XXXX/16, further action will be taken to secure payment of the amount owed including reviewing this matter with the Prosecutor 's office for possible criminal charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
I had a flex line ( home equity line of credit ) with 5/3 Bank for {$11000.00}. It had a XXXX balance on it for years. In the fall of XXXX, 5/3 Bank charged an annual fee of {$65.00} to keep the line of credit open. I failed to pay the {$65.00} fee. Then 5/3 Bank placed the {$65.00} annual fee in my line of credit as a balance and charged {$1.00} interest. When the fee was 30 days late, they called me at work and notified me. I authorized payment over the phone or I moved the money from one of my 5/3 Bank accounts to pay the fee immediately in the amount of {$66.00}. In the early part of XXXX, 5/3 Bank reported to the credit bureaus that I was more than 30 days late on a mortgage payment. This report has caused my credit to drop by more than XXXX points. I have contacted 5/3 Branch managers and been told that they can not do anything about this matter. I have contacted the customer care center and spoke to the support manager XXXX, employee id : XXXX. 
She told me that the fee is a mortgage payment and therefore has been reported correctly. I believe that the {$65.00} fee is an invoiced item. I do not believe that it is accurate or fair to report the late invoiced item as a mortgage late.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
For XX/XX/XXXX my lender said I had an escrow shortage of XXXX for this year up to XXXX XXXX, I paid the shortage amount. Now the lender says I have a shortage XX/XX/XXXX of XXXX which is from XXXX XXXX till XXXX XXXX. There are no increases in homeowners or Taxes however they are lowering my escrow amount because of my PMI reducing. Now if I pay the shortage it will lower my monthly payment but we will have more shortage down the road. Why is my loan being paid off but my escrow is a higher payment.

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 2016-09-30 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
A line of credit account was opened by BMO Harris without my permission. I did n't find out about the account until I received a notice that I owed {$25.00} for service charge.

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 2015-05-01 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Avant Credit Corporation
State: KS

Complaint narrative:
Generally, they will draft all the interest payments, but REFUSE to draft when I am trying to pay a lot more to reduce my loan principal ; they always act completely confounded, while they are willfully defrauding me, they keep charging exorbitant costs for their actions not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 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:
continued calls from XXXX XXXX financial seeking a person that does not live here, i called back 4 times to ask that my phone number be removed from caller list they said it would be removed but it has not and i keep getting calls. the calls are on my caller id and phone bills. please make them stop. thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX put a wrongful lien on my accounts. After challenging they accepted their mistake but the negative factor still is reflected in my credit reports

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 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: IL

Complaint narrative:
In XXXX 2015, I logged into Navient to find that my monthly payment ( or " amount due '' ) had tripled in size from XXXX. I contacted Navient to discuss my options, and they explained my only option was to apply for an extended repayment plan. To do so, I had to submit some paperwork and pay a {$150.00} forbearance fee, which would nullify my amount due for XXXX and give them time to review my account. I called them back a few days later and found out that my extended repayment plan was approved. When I logged into the account, however, I was still seeing the extremely high amount due that caused me to call Navient in the first place. After several phone calls, it was finally explained to me that due to a billing error, the wrong amount was showing in their system, but they assured me I had been approved for the plan. I monitored the amount due in the days up until my XXXX payment was due, but it never changed. As I 've had several problems with their billing before, I wanted to be proactive and call to make sure my payments were received and in the correct amount. Multiple members of their customer service team, including managers and directors, assured me that I should pay the amount due from the new extended payment plan, and not the incorrect total that was displaying on their website. They made countless promises that the issue would be resolved and there was no chance I would see a " past due '' amount and certainly would not be charged late fees. Two months later, I am being harassed on a daily basis by debt collectors and on top of that, they had the nerve to charge me a late fee. That 's not only something they promised me would n't happen, but the error is theirs to begin with. I 've made more than XXXX calls in the past month to correct the issue, and every conversation ends with a promise from a Navient employee that the issue will be corrected. It still has n't been. It 's amazing that they have the time to call me and email me - from blocked phone numbers and third party email addresses, no less - on a daily basis, but no time to correct their own issues.

Company response to consumer: Closed with explanation