milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-01-2016 about Bank account or service (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (IL).
Issue: Making/receiving payments, sending money

Complaint: I have a personal checking account and an auto loan through BMO Harris bank. I have an automatic debit set up for the XXXX of each month for the amount of XXXX to pay my auto loan. On XXXX/XXXX/2016 at XXXX XXXX XXXX was taken out of my personal checking account without my knowledge or consent. ( XXXX was pending ) Upon realizing this, I immediately contacted BMO. On my first phone call, the customer service representative informed me that it was a transfer to my auto loan, when I asked why the amount was significantly higher than it 's supposed to be she said " I do not know, let me look into it '' after being on hold for 35 minutes, the representative returned and informed me that she did not know why, and there was nothing they could do. At this point, I am livid. I then went into the branch and asked to speak with a banker, after an hour with the banker I STILL had no answers as to why so much money was taken out of my account. When I asked to have a stop-payment placed on the transfer, they said there was nothing they could do. So I called AGAIN. This time a gentleman helped me, listened to me and gave me some answers. BMO had taken and extra {$730.00} out of my personal checking, claiming I owed " late fees and other fees '' as a consumer, I was never informed of any late fees, in fact when I called BMO AND visited a branch, I was told that my balance on the loan was XXXX. When I asked to be credited back the XXXX, they told me no, that the transaction needed to post first, that it would be 1-2 business days before they could do anything. ( Now I 'm short XXXX on the first of the month ) keep in mind, no one knows why this is happening, they are also doing nothing to stop or correct it. When I asked for a credit for the amount, I was again told no. So this morning on XXXX/XXXX/2016 the payment posted to my account, after arguing my point to the representative she said she would " see what she could do '' about getting me my money back. Since they have returned only XXXX of the XXXX extra they took for no documented reason. There was NOTHING saying that I owed any late fees, and they did not have my permission to take the money, I should not be fighting to get it back. To me, they stole my money and would not tell me why or make it right. Absolutely no financial institution should operate in this manner and treat their customers as I was treated.

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 04-12-2017 about Mortgage (Other mortgage) with Servis One, Inc. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Long story short, we had our original mortgage with XXXX with a balloon loan that had matured and XXXX would not refinance. They tried to foreclose, so we filed chpt XXXX on the entirety of the balloon balance in XXXX we paid off the XXXX never missed a payment and was discharged completely in XXXX. XXXX XXXX we get a bill from XXXX saying we still owe XXXX. We hire a lawyer and takes a year but XXXX admits their wrongdoing and releases the deed to us. However, in the meantime, they had sold the loan to BSI financial in FL. These people will not deal with us on this matter. We fulfilled our obligation to XXXX mortgage and BSI should never have been involved, but they are because of XXXX. They are now every month filing us late payment on our credit report on a loan that is fraudulent and we do not owe. They are killing our credit rating and they are doing it on purpose, they have all the necessary documentation that shows XXXX was at fault and not us. They are punishing the wrong recipient. I have talked to reps at BSI before and been told they were looking into it, we know what that means, but now they have refused to even speak to us. I will have to pay a lawyer again for something that is not my fault. BSI are blood suckers and are breaking the law by trying to collect a debt that was covered and paid in a chpt. XXXX trying to refinance home improvement loan and ca n't be touched all because of BSI whom we do n't owe a penny to, never did and never will. They went so far as to change our address on our credit report to our lawyer 's address ... how can they do that and how can that be legal. This should have all been resolved in XXXX and still dealing with it 3 years later. This is fraudulent, illegal, and just plain 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 02/17/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NH).
Issue: Loan servicing, payments, escrow account

Complaint: My credit was damaged when my mortgage company misapplied a payment and then accused me of missing payments. I make my payments the first of every month without fail. 
During an escrow analysis, I called customer service with a question. Unknown to me this triggered an inquiry which then led to my entire next mortgage payment being misapplied to the escrow account instead of to my mortgage. Again, unknown to me, all my subsequent payments were " late ''. When I was finally notified after several months, no one in customer service could tell me what had happened to my payment. After more than a month of calling and speaking to customer service and escrow representatives, all of whom assured me that they would take care of it and promised to call me back ( they never did ), I finally spoke to an intelligent young man in Escrow who figured it out and realized that the payment had been misapplied. At the same time I received checks from the company for a huge escrow overage ; the misapplied payment. This young man and a customer service rep managed to it straighten out and I used the escrow overage checks to make that " missing payment ''. When I asked about my credit ( score ) being damaged, I was assured that would n't happen. Of course, it did. When I contacted the mortgage company to ask that the negative information be corrected, I was informed by the " Research Department '' that this could n't be done as I had missed payments! Payment ( s ) that the mortgage company had misapplied. 
My credit has been damaged through no fault of mine, the mortgage company takes no responsibility, and I can not get through to anyone who can correct this misinformation and repair my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The Lien is incorrect. The amount listed on the Lien is also incorrect. I spoke to the Illinois State and they told me the amount i owe them is $ XXXXXXXX.They have told me that they have never filed a Lien for $ XXXXXXXX.According the law any Lien which has incorrect information must be deleted ASAP.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Mortgage (Conventional home mortgage) with NORTHERN OHIO INVESTMENT COMPANY (OH).
Issue: Struggling to pay mortgage

Complaint: We asked for a loan modification inXX/XX/XXXX. InXX/XX/XXXX an employee O Northern Ohio Investment Company spoke with us regarding questions we had about our mortgage rate and sent us printouts of all payments dating back to XXXX the date of our mortgage and told us to go over them and call back with questions. We did exactly that and left 12 messages for her in a 15 day span. Then another employee telephoned and said she would process the loan modification. We asked for a HARP LOAN and were told at least 8 times we could not apply because we were behind and finally the employee got upset and said that our loan was still associated with XXXX XXXX and they do not process any HARP LOANS. From XXXX through XX/XX/XXXX they kept making excuses such as ; no reply from my husband 's employer ( he is more than agreeable and forthcoming to deny this ). Then came superfluous excuses. In XX/XX/XXXX we had applied for a Save the Dream money with the State of Ohio and given {$15000.00} but the printout showed they received {$25000.00}. When we started asking questions about this at the end ofXX/XX/XXXX and cutoff the original employee qho was trying to help us. They never let up on 9 % interest in all these years. They took advantage from day one when we applied in XX/XX/XXXX due to our circumstances. We had a XXXX XXXX in which we lost our XXXX year old granddaughter we were raising and everything we owned. Continuing we finally got a hold of a supervisor on XX/XX/XXXX who told us we were denied and then said " XXXX XXXX ''. Two days later he was no longer with the company. We believe we are involved in a predatory loan. On XX/XX/XXXX we received a letter stating we could file an appeal within 14 days we did so on XX/XX/XXXX. Now 69 days later no answer by mail, emails or regular or certified mail. Only one phone call when did we want to schedule a short sale.

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 05/25/2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Credit determination

Complaint: I was an authorized user on a Citicard account of my dad 's, not a guarantor. They have consistently filed this on my credit bureau. When it came time to get a business credit card for my business this account inhibitied my ability to get an a business credit card. I removed myself from the account and asked for a letter stating I was no longer attached to this account as an authorized user. The letter came in my dad 's name which was not helpful to me. I called and asked for another letter. It never came. So I called back and they refuse to send a letter unless my dad calls and verifies his account. They are still reporting to my credit bureau and are not helping me correct their mistake. I was on the account when I asked for the letter. I want the account off my credit bureau and a letter that states I 'm not on this account or responsible for it.

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 10/17/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (MO).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage assessed late fees and penalties for two months to the mortgage loan although they are authorized to debit the funds from my banking account. They are currently charging me late fees for XX/XX/XXXX when the payment is not due until XXXX/XXXX/16.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Vehicle loan or lease (Lease) with AMERICAN HONDA FINANCE CORP (NJ).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: On behalf of my deceased father,  XXXX   XXXX , a complaint was submitted to CFPB ( case number  XXXX  ) on  XXXX / XXXX /  XXXX   in regards to a leased  XXXX   XXXX  of which I have not doubt he was taken advantage of when he went to  XXXX   XXXX  alone to lease yet another car ( his third at the same dealership ).  XXXX   XXXX  charged him {$1500.00} even though he was yet again leasing another car. My family members have been leasing cars for years with  XXXX ,  XXXX  and  XXXX  and have never had to submit additional monies when leasing.      Honda Financial  finally agreed to take the auto back after CFPB contacted them in regards to my complaint that was submitted on  XXXX / XXXX /  XXXX  . I was faxed the instructions in regards to what needed to be done. On  XXXX , the car was turned in, no questions asked. Finally justice or so we thought. My brother, who lives at the residence that my parents lived, but he was paying the mortgage, was notified when he attempted to get the house in his name, by  XXXX   XXXX   XXXX   XXXX  that there was an outstanding balance owed on the vehicle of {$2900.00}. The vehicle was returned 7 months ago and this is the first anyone is hearing about this. Not to mention  XXXX   XXXX  has a number of same exact vehicles ( different colors ) certified pre-owned vehicles on their lot selling for {$23000.00} with at least 5 times the amount of miles then my father 's car.  XXXX   XXXX  is claiming they sold his car for {$17000.00} which I believe if they did, they did it purposely to say they lost money. Not to mention the depreciation of the vehicle that always works in their favor, never the consumer.     In reviewing the original lease agreement, the following amounts were also paid : {$1500.00} - lease signing {$350.00} - Turn in fee Why was no one notified until 7 months after the vehicle was returned to the dealership that they now claim a balance is owed? They were advised there would be no estate and they agreed to the terms because of his death.     Thank you  XXXX   XXXX   XXXX  of  XXXX   XXXX   XXXX  deceased  XXXX / XXXX /  XXXX   )

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: There are negative items that I disputed with XXXX and XXXX and now I need Equifax to fix the one on theirs. Also my DOB is in wrong it 's XX/XX/XXXX not XX/XX/XXXX and also my middle initial is XXXX not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Debt collection (Mortgage debt) with Collins & Hilton Asset Group, LLC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Hello, Today I received a menacing letter from a company called Collins asset group LLC XXXX XXXX XXXX, XXXX, TX XXXX. The letter I received claims it 's a notice of intent to accelerate and right to cure. The letter then goes on to reference " Please note pursuant to the promissory note executed on XX/XX/XXXX between you and XXXX XXXX XXXX in the original loan amount of {$22000.00} this letter serves as Collins asset group LLC 's notice of intent to accelerate the entire principal balance due of the promissory note. If you fail to remit the current outstanding past due balance in the amount of {$20.00} within 30 days of this letter and bring your principal payments up to date according to the term of the promissory note, Collins asset group will accelerate the entire principal balance of the loan that was not previously forgiven pursuant to our letter to you dated XX/XX/XXXX and refer your account to its legal department. " This is the first letter I have ever received from this company they are incorrect in stating they sent me a letter dated XX/XX/XXXX. Not only that but they are attempting to collect on a debt that is over 10 years old. I have researched this company and apparently they use the same dishonest tactics in an attempt to coerce people to pay debts that much like in my case are not even on their credit reports anymore. Much like many hard-working people in this country, when the mortgage crisis happened, I not only lost my job in the real estate business but I also lost the ability to pay for the mortgage I had. <P/>This company has not sent me a contract showing they lent me something or provided service to me or that I agreed to do business with them, I have told them that any contract with me has to be between the accuser and me with both of our signatures. I had no knowledge of this company until recently, have never contracted with them, they are strangers to any transaction with me and are not qualified to claim that I owe them something. I have disputed this with all - credit reporting it has been deleted inXX/XX/XXXX. I have demanded validation from the accuser/furnisher and they have not validated with any proof of a contractual agreement between me and them. So, they are trying to collect again on a debt when does it end? Its like a merry go round and it 's unjust harassment because now I fear I have to go through the process again in order to get an old debt deleted, consumers are faced with these collections agencies that do nothing but waste time and I value my credit and it 's very important to keep these collections agencies away when they have no merit to pursue their actions.

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 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Mandarich Law Group, LLP (OR).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On XX/XX/XXXX a Lawsuit was filed against me by XXXX , XXXX as the " successor-in-interest to the original creditor, XXXX. Represented by Mandarich Law Group : Attorney XXXX XXXX. 
The lawsuit was for a " Prayer Amount : {$760.00} '' The Summons and court filing was my first awareness of either company. 

After months of paperwork filings and court proceedings ( which I have copies of it all ) a ruling was presented : " The court entered a Judgement - General Dismissal on XX/XX/XXXX in the court register. '' This credit reporting needs to be removed from my credit report. As of XX/XX/XXXX they are still reporting this account. 
In the mean time a new Attorneys Office XXXX XXXX XXXX has been contacting me regarding the same account claims from XXXX , XXXX. So, even after the lawsuit and judgement XXXX XXXX has sent a new attorney to harass me for the same case. 

In calling XXXX ( the reported original creditor ) to get this removed from my credit report following the court ruling, I was informed that they where not responsible for the information any more and to call the debt collector who purchased the account from them, XXXX XXXX. 
XXXX XXXX does not respond to the information and claims that The Mandarich Law Group is who to talk to, and they are unresponsive. 
In calling XXXX XXXX XXXX they are still harassing me for the same case that the court closed. 

I have been getting the run around and passed off by every person ( company ) involved in the situation. I would like for this information to be removed form my credit report as it has been closed by the Circuit Court, ruled in my favor, and all of my attempts at communication have been overlooked or passed on to someone else. 
The claim/account does not have any validity and can not legally keep getting passed to different law firms regarding the same claims. No validating information was ever presented by XXXX XXXX, XXXX, The Mandarich Law Group : Attorney XXXX XXXX or XXXX XXXX XXXX, hence the court ruling in my favor. A court ruling has been decided as " Dismissed '' and all parties need to adhere to the ruling.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Credit card () with PAYPAL HOLDINGS INC. (MA).
Issue: Late fee

Complaint: On XXXX XXXX, XXXX, I purchased iPhones online with PayPal with {$1200.00} with the condition of 6 Months No Payments + No Interest. PayPayl forced me to use PayPal card ( please see attached invoice note ), because other credit cards icons were not available when they were clicked. I did not like to use PayPal card because I lost XXXX % award, which I could always got with other credit cards. I believe PayPal violate the law to force me use their card. 
Second, I had never received any bills from PayPal until XXXX XXXX. PayPal billed on XXXX XXXX for {$75.00} for interest and late fee ( please see attached bill on XXXX XXXX, XXXX ). On XXXX XXXX, I called PayPal on a recorded line about the extra charges. Their representative, XXXX ( employee ID # XXXX ), explained that my new purchase on XXXX XXXX, XXXX automatically voided my 6 Months No Payments + No Interests benefits. I could not agreed with it, because 1 ) I was not noticed of it when I did the second purchase ( please see the attached invoice ) ; 2 ) I never signed any paper to void the first purchase benefits ; 3 ) XXXX purchase should have not done any things about XXXX purchase. They were totally separated and not related. 
Third, PayPal did not send me the bills in XXXX XXXX and XXXX XXXX, why I was subjected to the high interests charge and late fees? On XXXX XXXX, PayPal representative, XXXX, and his supervisor, XXXX XXXX, claimed their evidence for having sent me bills was they did not receive the returned mails. Their explanation is not acceptable, because no returned mails are never evidences for mails were ever sent out. I did NOT lose mails from other senders. The possibility is almost zero to lose mails from a same sender for consecutively two months. I do n't believe PayPal did ever send me bills in XXXX XXXX and XXXX XXXX. Let me tell you, I always pay off my credit card bills on time. You can check my credit payment histories with XXXX XXXX, XXXX, XXXX, etc. for XXXX. 
I sent dispute claim to PayPal on XXXX XXXX, but unfortunately, they refused to make corrections. 
Based on my experience, I highly suspect PayPal systematically manipulated the system : First, forces customer to use PayPal card with the trap of 6 Months No Payments +No Interests, Second, voids the 6 Months No Payments +No Interests with the excuse of a new purchase ; Third, do n't send out for 2 months in order to produce high interest rates charge and late fee charges. I believe I am not the only victim of their manipulation. I seriously request your authority to investigate my case and to stop PayPal wrong doings. I also claim {$500.00} compensation from PayPal for 1 ) refunding my payment of interests and late fee ; 2 ) damaging my credit ; 3 ) credit card award which I lost when I was forced to use PayPal ; 4 ) my time looking for solving this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/16/2016 about Bank account or service ((CD) Certificate of deposit) with WELLS FARGO & COMPANY (SC).
Issue: Account opening, closing, or management

Complaint: Employee Discrimnation denial of bank accounts closure. Every account that Wells Fargo opens is being close premiered he to stalking Fraudlent charges against the victim account.

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 08/19/2015 about Bank account or service (Checking account) with BB&T CORPORATION (GA).
Issue: Deposits and withdrawals

Complaint: I had a check deposited into my account in the amount of {$800.00} on XXXX/XXXX/15. On XXXX/XXXX/15 the check was delayed depositing and then they said it had been returned. I have proof that the check written has already cleared the other individuals account. I was also charged an overdraft fee of {$36.00} and returned item fees of {$180.00} all on XXXX/XXXX/15, which is a day after the check was deposited into my account. I contacted BB & T and they said they had only the information that the check was either returned for a various amounts of reasons. I then again explained everything and asked to speak to someone else. This is when the representative told me I would receive a call back in 24-48 hours. I am extremely unhappy and beyond frustrated.

Company response to consumer: Closed with monetary relief