vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I was given incorrect information by Fifth Third Bank 's Homeowners Assistance Specialist, XXXX XXXX. I advised XXXX on XXXX/XXXX/15 that I secured employment and would start working after the first of the year. He advised me to reapply for Hardship assistance after I had 30 days of year to date income at my new job. Proof of XXXX ( fore mentioned ) instruction has been attached for review. I mailed the application back after having 23 days of year to date income. I received a letter from Fifth Third Bank informing me that due to the pending foreclosure sale date, there was not sufficient time to review my hardship application. I had been unaware of the foreclosure prior to receiving the letter. Unfortunately following XXXX direction in waiting to reapply for assistance resulted in the foreclosure of my home. 
Fifth Third later advised that my account was approved to pursue foreclosure on XXXX/XXXX/15 ; however, after communicating with XXXX several time via phone and email between XXXX/XXXX/15 through XXXX/XXXX/15 ; he failed to inform me of the foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
on XXXX/XXXX/2015, My bank at that time, Fifth Third of XXXX XXXX Ohio accepted a fraudulent check that they knew was fraudulent because it was flagged immediately and cashed by someone using my identity in another state. On that date. I immediately went to my Fifth Third branch and told them that they should not accept any check and to verify the signature before releasing any funds. I WAS VERY SPECIFIC IN THAT I TOLD THEM TO NOT TO RELEASE ANY OF MY FUNDS AT ALL WITHOUT MY EXPRESS APPROVAL IN PERSON. They already knew it was a fraudulent check, but cashed it anyway, as they had called me into the branch. They claimed that I had authorized release of funds from this person in another state and accused me of money laundering and that they were closing my account and not giving me my money back, which was well over {$2700.00}. Even though I had been a customer for over 14 years ; They cleared me of wrong doing, they refused to give me any funds back and refused to do business with me. I had insurance specifically for this through the bank. No signature verification was done, and I also had daily limits on my ATM withdrawals prior to this- so this had to have been done by a teller. I asked them to call the police or the FBI, which they refused to do. I told them that I intended to do so, and they threatened my, telling me that the burden of proof would show that it was my fault, and that I would go to jail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Business and Consumer Solutions.
State: PA

Complaint narrative:
I enrolled in the University XXXX XXXX in 2010. They offered a one week trial and if you cancel within the first week you did not have a charge. I attended online and I canceled the program on Friday of the first week by calling the sales person for the University XXXX XXXX. As such, I do not owe them any money. They have now been reporting this bogus tradeline on my credit report and now my employer is giving me a hard time for this {$290.00} debt. They are wrong, their own records will show that I did cancel and did not go back online after the first week.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: IN

Complaint narrative:
I have not received satisfactory response from Freedom Mortgage about payment history. XX/XX/XXXX, I had to send them payment via certified mail be caused they had previously claimed they were not receiving payment. XX/XX/XXXX they have not received payment even though it was sent. I have repeatedly tried paying on their website and receive error messages consistently. Now my credit is ruined because of this situation. They do not return my inquires.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I had a M and I credit card stolen XX/XX/2007. They are reporting inaccurate information to XXXX credit bureaus. XXXX and XXXX. I have made numerous attempts with both M & I which is now BMO and the credit bureaus. XXXX is the only one reporting accurate information. I have asked BMO to provide the documentation to support the information being reported and they refused. Telling me they had no legal obligation to do so. This file is way too old to even be on my credit file.

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 2016-01-15 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation
State: CT

Complaint narrative:
The interest rate on loan with Avant Credit was not disclosed at time of application/loan approval. I applied for a loan on or about XXXX of 2015, the terms such as high interest rate were not disclosed at time of application, Avant rep ( s ) claim otherwise. This might be due to a technical issue, my computer screen was not working properly at the time. I have since purchased a new PC. They are charging an extremely high rate of 35.94 %, this was not disclosed at the time or did not appear on my screen. Their rep, XXXX XXXX, defended the rate and claimed to have screen shots showing what appeared on my end, There is no way he has screen shots showing what was on my computer at time of application/approval. He can only show what they supposedly sent over on their end. Complaints were filed with XXXX XXXX XXXX XXXX, XXXX in Illinois, FDIC, XXXX in Illinois. The matter is still unresolved, XXXX XXXX as well as other Avant reps were advised payments on loan will cease until rate is lowered, they will not budge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: SC

Complaint narrative:
I switched from a loan company to it 's parent company. I chose to pay over double what I needed to working on paying off my loan early. Every month I have sent in my payment with a note saying to put the extra amount to principle. For over 16 months, this has never happened. They make two monthly payments instead of putting money to principle. I have talked to multiple managers, but can not solve this unbelievably easy issue. Also, when I do call in to have it corrected, it has at times, taken up to 3 weeks for them to do this. This adds up to months of interest I am paying, when I should not. I do not think I should have to call in every month to correct such a simple problem, but they for some reason can not correct this issue.

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 2016-10-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Moria Development, Inc.
State: TX

Complaint narrative:
We were contacted by an agent from Moria Development DBA Peoples Mortgage, and gave false information about a loan product, specifically a XXXX loan. The agent expressed that she was an experienced loan officer and knew what she was doing. She screwed up our loan process because she waited until the week of closing to tell us that she did not know how to process a XXXX loan. She made me pay for an appraisal for the property, as well as a XXXX consultant, and she did not know what she was doing. There was false advertisement, lies during the process, and she was the cause of us missing out on a great home as a first time home buyer. XXXX XXXX of Peoples Mortgage who is Moria Development , Inc. should be held responsible for her falsely representing products.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: OPEN MORTGAGE LLC
State: GA

Complaint narrative:
After not qualifying for a VA loan due to debt-to-income ( which was odd ). Our lender ( XXXX at Open Mortgage ) asked the Underwriter ( XXXX XXXX ) if we could repackage as a USDA loan and the underwriter said to do so : '' Good Morning XXXXAs per my previous email yes you can go USDA - you will need to get usda docs and resubmit file with everything as USDA and I will re underwrite for you. Thanks. " To move forward with the house, XXXX repackaged us USDA - we received desktop approval. The seller requested an additional {$500.00} in earnest money ( in total {$1000.00} ). In addition to going with an USDA loan, I had to agree to give the seller the earnest money ( {$1000.00} ), even if the loan was not approved. 

After paying for the USDA appraisal ( {$450.00} ), the appraisal came back great. The UW approved our loan. Next, the file was submitted USDA. The USDA reviewer denied us, because my student loans were not fixed payments through the term of the XXXX yr mortgage loan. 

The problem I have is the UW did not know the stipulation effective XXXX 2014 regarding student loans : Student loans. Lenders must include the greater of XXXX percent of the outstandingloan balance or the verified fixed payment as reflected on the credit report. 
Exception : Monthly payment amounts listed on the credit report, which are less thanone percent of the outstanding balance may be used when evidence from the loanservicer is obtained indicating ; 1 ) the applicant is on a fixed repayment plan notsubject to change under the terms of the current agreement and XXXX ) and the monthlypayment amount due. Fixed payments have a monthly amount that is not subject tochange through the fixed repayment time frame. Income Based Repayment ( IBR ) plans, graduated plans, adjustable rates, interest only and deferred plans are examplesof repayment plans that are subject to change and do not qualify for the exception. 
No additional documentation is required if a credit report is obtained and the lendercan confirm the payment represented is a fixed payment as noted in this paragraph. 

The above stipulation applies to VA and USDA loans ; therefore, if we can not qualify VA due to not have fixed student loan payments, then WHY did the XXXX say to repackage me as USDA. We lost {$1400.00} due to her negligence. Even the USDA reviewer - XXXX XXXX ( Georgia XXXX XXXX XXXX at USDA, XXXX XXXX ) stated the UW - XXXX XXXX was grossly negligent on our file. She is required to know the stipulations to inform the lender what was wrong with the file.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: MN

Complaint narrative:
We have {$450.00} of late fees on our account that are not valid. I have tried for over a month to resolve this issue but NO ONE will respond to me. I called customer service, they said it needed to be in writing, so I have sent XXXX emails with no response. I have google searched loan officers, sent XXXX emails ( they stated someone would call, no call has come ). I found someone on XXXX, again no response. I have provided documentation on the fact that the late fees are bogus and we have not had any late payments since XXXX of 2016. In XXXX of 2016 we received a foreclosure notice because apparently I missed paying the cents on our bill, instead of paying the {$1200.00} and some change, I only paid the {$1200.00}. I spoke with a gal and she stated I needed to pay {$150.00} and some change to get caught up with late fees, which I paid with our XXXX payment, but separately. Since then NONE of my payments have been late. Therefore I do not owe any additional late fees. I provided a list of my payments to Freedom Mortgage noting that none of them were late since I got caught up in XXXX. Their refusal to contact me only confirms that the late fees are not valid.

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 2016-09-13 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I was issued a credit card by Fifth Third Bank that I did not apply for. I had co-signed a checking account for my XXXX mother about five years ago because she had trouble writing after her XXXX. She passed away XX/XX/XXXX. I notified the bank and they closed her checking account, but told me I need to call a special department at Fifth Third to get her credit card closed. It took me about 8 phone calls to get in touch with the department, as it appears there was only one man working there. I had to send her death certificate, which I did. 
About a month later, I received a credit card bill with my name on it. I had not applied for a card. It had finance charges. Evidently, my mother 's account, after being closed for four months, had been hit with a charge from her insurance plan ( that had also been cancelled ). Instead of refusing the check, the bank decided to charge my erroneous credit card ( the one I did not apply for ). I called the bank, they apologized and told me if I brought in {$47.00}, they would reverse all overdraft fees. I had to drive to the bank and do that. A month later, I received a credit card bill with fees and interest. The bank has received at least XXXX phone calls from me as well as faxes, in person visits, and escalated supervisor calls because I started receiving statements for finance charges for an account I did n't open. I 've spoken now to XXXX different representatives who apologize profusely, say the card will not incur any more charges, and yet every month, it happens again. It is now XX/XX/XXXX. I received a statement on XX/XX/XXXX ( and numerous subsequent emails ) saying there are now {$21.00} in finance charges. I am so, so angry. I never applied for a card. I did receive a credit card back when the checking account was first opened, but I shredded it because I did n't want it. It has never had a charge from me on that account. I do n't know why the bank paid out on a check that hit their bank four months after my Mom died, then charged it to a credit card they had opened in my name. When I spoke today to a representative, they said that Fifth Third would never do that. Well, they did. For the fourth time, I 've been told that the account is closed and all fees reversed. They 've apologized over and over. I do n't believe them and I am out of my mind with frustration. How can they do this?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-11 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: CCS Financial Services, Inc.
State: MD

Complaint narrative:
i do not owe or have contracted with company claiming i owe

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
We had our primary home foreclosed on XX/XX/XXXX, at the time we had a XXXX Mortgage as well as a XXXX Mortgage/Equity Line, both with Wells Fargo. The XXXX Mortgage has reported to the credit bureaus that the debt is attached to a property that was " Foreclosed '' and stopped actively reporting to the credit bureaus at that time. However, the XXXX Mortgage was listed as a " Charge Off '' but is still actively reporting every month to the credit bureaus. After consulting with a handful of real estate attorneys and Banking Mortgage Representatives, we are hearing from all of them that any attached mortgage should cease reporting on a monthly basis to the bureaus, and simply be listed as a " Charge Off ''. We already have the burden of carrying a foreclosure on our credit, but having the XXXX mortgage continue to report each and every month is simply insuring that we ca n't rebuild our credit. 
We submitted a dispute to Wells Fargo XX/XX/XXXX, using the fax # provided to us by a Wells Fargo Representative, requesting that we receive some feedback about this matter within 30 days ( the fax and confirmation are attached ). We have yet to hear anything from Wells Fargo, so we are asking for assistance from the CFPB. Any feedback that we can receive will be greatly appreciated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I have XXXX issues with Wells Fargo which have caused a domino effect. First, I cancelled my online bill pay services but XXXX payments were still made despite such. When I spoke with Wells Fargo representatives I received conflicting information. One told me it only cancels one month at a time, and another told me scheduled payments would still pay out. Neither make sense to me. Secondly, I cancelled my overdraft protection ; specifically, I declined to have my checking account linked to my savings account, debit card, and credit card should I have insufficient funds to cover a transaction. Despite cancelling overdraft protection, when Wells Fargo processed those two bill payments I mentioned above it caused my account to be overdrawn and Wells Fargo charged me XXXX {$35.00} overdraft fees. When I asked a Wells Fargo representative why did those XXXX bill payments still get paid despite me cancelling my overdraft protection ( because I did not have sufficient funds to cover them ), she stated the bank can use its " discretion '' is assessing whether it will cover or reject any transactions, even if I have cancelled overdraft protection. As a result of these unfair banking practices, my account was overdrawn for an amount in excess of {$200.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I do not have any responsibility for the debt they are trying to collect and I request that this unknown debt be removed from my credit files immediately. 
Furthermore, if they have good reason to believe that I am responsible for this debt, then I want them to mail me proof that make them believe that. In addition, I also request they stop all other communication with me and to my home address, and record that I dispute having any obligation for this debt to all XXXX major credit bureau 's. If they report it to a credit bureau XXXX or have already done so ), then they must report that the debt is being disputed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XXXX XXXX I pulled my credit report and found some questionable items which I disputed. Experian investigated these items and much to my surprise when I ran a report on XXXX, they inserted accounts that were n't on my report from XXXX XXXX. These were frivolous accounts from XXXX XXXX XXXX, that were closed back in 2011, which I had disputed before and removed. However, now Experian has illictly put them back on my credit report and they did not even serve me notice of re-insertion as required by the Fair Credit Reporting Act. 
When I disputed these accounts in XXXX with Experian, arguing that they can not re-insert accounts without serving me notice, they ignored my request and kept these accounts on my credit report. 
The accounts are listed under the following account # XXXX ... XXXX ... XXXX & XXXX. 
I have attached the before and after reports from Experian from XXXX and XXXX, that show the re-inserting of accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Recovery Management
State: TN

Complaint narrative:
credit report is wrong

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SUNTRUST BANKS, INC.
State: ND

Complaint narrative:
I have made payments as scheduled on my loan from SunTrust continuously. Earlier this year, they fraudulently added a past due amount of approximately {$220.00} to one of my bills despite have records of my payment on their site. This was resolved with a phone call, and they removed the amount. It has happened a second time this month, billing a past due amount of {$220.00}. I have records of my last invoice of {$260.00} and subsequent payment of {$300.00}. Having happened twice in the same year, I am concerned that this amounts to billing fraud. 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