vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am seeking your help because my mortgage company is refusing to help me avoid foreclosure, it is now over 9 months since I was laid off and bmo Harris bank told me that they were going to help me modify my loan. 

Now after several months under review working XXXX, they just told me that they are not going to help me avoid foreclosure because it is not on the best interest of the investor to help me or my familyPlease help!!!!!!! 


XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company
State: DE

Complaint narrative:
The owner of a condominium unit passed away in XXXX of 2011. Since that time, there has been no action taken except for the bank changing the locks on the unit and completing a property preservation in XXXX of 2011. The mortgagee, Freedom Mortgage Corporation ( XXXX XXXX ) has not made any payments to the condominium association since changing the locks on the unit. There has been no foreclosure action initiated by the mortgagee. The association is owed in excess of {$13000.00} not including any late penalties or interest accrued.

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 2016-06-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: MT

Complaint narrative:
In XXXX, XXXX, my husband and I paid off our mortgage to Freedom Mortgage. XX/XX/XXXX, we began getting letters and phone calls from Freedom Mortgage ( here after called FM ) stating our payment was late and we would be charged a late fee. I called them and talked to XXXX at FM. She stated our payment had been misapplied and she would apply our payment to the payoff of our mortgage. It did not happen. I talked to XXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, XXXX XXXX and XXXX on XXXX/XXXX/XXXX. All stated the payment we made would be applied to the final amount due on our mortgage. It never happened. In the meantime, we received another bill, doubling the amount due and it also included a fine for a late payment. XX/XX/XXXX we began receiving eviction notices. On XXXX XXXX, XXXX, my husband sent a certified check to FM. XXXX said the reason our first check was cashed and put into a funds held account instead of being applied to the principal was because it was not a certified check. She said it was illegal for them to take a personal check for the last payment. So we sent the certified check. That bill included unpaid principal, late fees, accrued interest, and a statement fee. We paid it all because they told us to, then they would reimburse us. They also assured us none of this would effect our credit score. It did. They reported us to FICO and said we had missed a payment. XXXX from FM assured me it was XXXX mistake, they had not reported that ( she said XXXX had done that to her personally several times ). On XXXX/XXXX/XXXX I was advised by XXXX to contact their customer care department by email. I did so. They do not correspond by email. I received a letter in the mail stating we would hear from them in 30 days. We did not. I wrote them 3 times, the last time I received the same letter on XXXX/XXXX/XXXX stating we would hear from them in 30 days. We have not. On XXXX/XXXX/XXXX I talked to XXXX from XXXX. She did a conference call with FM. After a long wait, XXXX came back on and stated yes, we had been reported. And yes, it was incorrect. XXXX asked if she could remove the item, and XXXX said no, she did not have the authority to say that. Thankfully, XXXX contacted her supervisor and they did remove the complaint. I have included several names of people we talked to at FM. But there were many more XXXX XXXX XXXX, XXXX, XXXX, XXXX, just to name a few. We tried to resolve this issue many times with Freedom Mortgage. Each time getting a different answer, sometimes rude, sometimes hanging up on us, sometimes kind but ignorant answers.

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 2015-12-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
When we first got our loan from 5/3 bank, things were good. Until we got our tax bill from XXXX XXXX the following year. Apparently out taxes were not being paid by our mortgage company, even though we had an escrow account. After talking to 5/3 at length about the issue, they then paid the taxes, late fees and all. This is important to note since after talking to XXXX XXXX, they said had they not paid it right away, they could have reduced the late fees. This essentially cost us thousands of dollars. This shocked me because instead of our mortgage company going to XXXX XXXX and trying to reduce these fees, they were more interested in causing us more hardship. The really messed up part is that they rolled those late fees, which were all because of them into our escrow shortfall. Now maybe that is my own fault for not arguing with them to get that fixed at the time, but I did n't think that they were looking to essentially take advantage of us. I actually trusted them. Now here we are 1 year later and we get another increased bill because 5/3 did n't question the tax bill. While I understand that if they get a bill from the city/county they have to pay it, but it was pretty obvious to me at one glance that when my summer taxes doubled, that there was a mistake by the county/city. So instead of a mortgage company looking out for it 's clients, all they did was take advantage of the situation. They raised our bill and to compensate for the shortage. I have since called the county/city and they have stated that it was an obvious error and had they been alerted to it earlier, they could have corrected it before the payment was submitted. They sent it to the board and have revised the taxes. I have sent this information to 5/3 and they said that they will not correct the issue until they talk to the county, which is funny that if they had done that in the first place none of this would have happened in the first place. So now they want me to pay the increased bill even though we ca n't afford it and they are threatening us to make the payment. I have explained that as soon as we get this check from the county/city, we will make our payment. It has become clear to me that this company is all about getting more money from their clients then they are about actually take care of their clients. They have taken advantage of us and done nothing but done so unethically and negligently.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BMO BANK NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XXXX Behavior by BMO Harris Bank I called BMO Harris bank to inquire about the requirement for opening a new checking account. During the call I mentioned that I was a XXXX and not a citizen and the BMO Harris agent said they do not open account for people who are not US citizens. When I said that their requirements online did not say so, he said they can add their own requirements and why do I need to open an account with them anyways? 

Later I checked online again and on finding no such requirement on their website, did an application online. I have to say that I regret that decision. Not only they have XXXX attitudes, they are the worst bank I have ever encountered and are set up to gouge customers on fees. I was told that I have 2 months to get set up and meet the requirements to avoid the monthly account maintenance fees. I met the requirements and by XX/XX/XXXX had more than {$1000.00} required to waive the monthly fee. But they went ahead and charged me the {$12.00} fee on XX/XX/XXXX anyway. When I called to inquire about that, they tried to bait me into opening a credit card with them. When I said no to that, they said there is nothing they can do about that. When I asked for a supervisor, they said there is no one available as they are all in meetings ( on a Sunday ) and someone will call me in 24 hours. No one called me in 24 hours, so I had to call them again and they again refused to do anything about the fees. 

I request that you put this complaint so that others can see how dishonest and corrupt their practices are.

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 2016-07-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: MI

Complaint narrative:
i sold a home at XXXX, mi. in XXXX of XXXX i had XXXX $ in an escrow account and was to be refunded this within 60 days. i have called both freedom mortgage as well as their emissary XXXX. i have not only gotten the runaround with both accusing the other, but have not received my money. i am a XXXX veteran who borrowed on a VA loan.

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 2015-06-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: ADVANCE MORTGAGE & INVESTMENT
State: CO

Complaint narrative:
I have periodically received solicitations from this company and they have always looked too good to be true, but XXXX one I received on XXXX had a ridiculously low rate and APR that I knew could not be had. I called the company and stated I wanted to take advantage of this 3 % 30 year fixed rate on my home, my credit is excellent and value is there and he stated he could not do any better than the 3.75 % I had. I stated I wanted the rate on the letter and he said he could not do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: MN

Complaint narrative:
Not only was my own mortgage payment drafted from my bank account but in addition, someone else 's loan / monthly payment was ALSO drafted from my account in the same month within one day of each other. Despite several emails, phone calls, promises for call backs, I have not been able to get resolution. I 'm put on hold and then eventually hung up on. I have provided proof of the erroneous draft as well as the other person 's loan number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: IN

Complaint narrative:
I received a letter saying my mortage was sold and I was to send my payment to a new mortage company. Two weeks later, after I had already sent my payment to the new mortage company, I received a letter saying they made a mistake and I should keep sending my payment to them. 
I have been over 18 months trying to get my payment credited to my account. They have admitted it is there mistake, but have done nothing but harass me about a late payment since. 
I do n't know what to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
My mortgage with XXXX was transferred to Freedom Mortgage in XXXX 2015. I made my XXXX Mortgage payment to XXXX and Freedom Mortgage will not recognize the payment even though I have provided proof and have called them every month ( they say they are investigating ) meanwhile they show me as 30 days late every month. I got the notice of transfer to Freedom after the XXXX 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 2015-04-06 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: Recovery One, LLC
State: MO

Complaint narrative:
A collection agency located out of XXXX, XXXX, for XXXX XXXX, who refuses to send me documentation on a debt that I do n't owe, or any authorization showing that I enlisted services of this debt that they purchased. I live in XXXX and not in XXXX and I own a XXXX and not a XXXX. The continually call my phone even though I have asked for their exact address in XXXX and they refuse to give it to me. I trie to leave a message for XXXX XXXX ( their supervisor ) yet he refuses to give me their address so I can send a cease and desist letter. They have hung up on me several times when I specifically ask for their address and when I inform them I do n't owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA

Complaint narrative:
In XXXX 2016, I used a promotional check from Fifth Third CC ( Bank ) to pay for a large purchase with a 12 month 0 % Interest fee in the amount of {$2000.00} with a balance transfer fee of XXXX. We are careful about being sure to pay the amount off before the ending date. The balance of the card was paid off before we used the check. So there was a XXXX balance on the card when we used the check. Each month when the bill comes there is no date for the promotional ending period. 
Today XXXX My husband and I spent almost 2 hours trying to find out the end of the promotion. Fifth Third then told us the promotion ends on XXXX XXXX. All statements are due on the XXXX of the month. We were shorted an extra month. If I had n't spent the time on the phone trying to get the ending promotion date we surely would have been charged a huge interest rate. Their customer service is told us there was no way for them to figure the end of the promotional rate until we went through all our statements. I believe this is a ploy to be sure many consumers will go over their date thereby adding millions of dollars to what amounts to a semi-scam. If there is n't a law to put the ending promotional date on credit card statements - there should be. I had another promotion on a different card that also shorted the promotion date. But because it gave the ending date for the promotion I was able to get it changed to the correct date. 
When speaking to Fifth Third today, I asked for proof of the check and promotion dates. I was told by XXXX ID XXXX that he would provide this. However their customer services ( I spoke with 4 different people ) and three of the four had no idea what a deferred promotional interest rate was.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Today I received notification from my credit report that Freedom Mortgage company reported my loan to the credit report as " Account in forbearance '' when it was never late and never in forbearance. This obviously effects my credit rating and how others view my credit activity and is against the FCRA. I would like an immediate response to the issue and recommend a CFPB inquiry to their credit reporting practices for Veterans and how they are handling VA loans. 

Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I am writing to inquire assistance, if possible, on recovering some funds that were charged to us by BMO HARRIS, XXXX WI. I am writing per the Consumer Financial Protection Act that was created in part to protect consumers from Unfair, Deceptive or Abusive Practices. 

Several years ago I opened for my young son a savings account for which I was the custodian. My son turned XXXX on XXXX XXXX 2015. BMO Harris did provide quarterly electronic bank statements. I admit that I did not look at them too closely, as for the past few years, there was not much activity on the account. As I went to close the account last week, to my surprise, the bank gave me the balance minus {$40.00}. They explained that the {$40.00} charge was related to 8 monthly maintenance fees worth {$5.00} each, that started when my son turned XXXX in XX/XX/XXXX ( XX/XX/XXXX - XX/XX/XXXX ). I explained that I never received any letter or warning about the change and they responded that it was their usual practice. 

I am aware that their website provide explanations of the rule. Indeed, much information is laid out on their site for customers to search and read. However, I know that it is customary for financial institutions to send notifications when a change occurs on an account. I had a bank account with XXXX XXXX who sent me a notice about starting charging fees due to inactivity on the account. I went to XXXX XXXX and closed the account. The same situation occurred with my wife and XXXX XXXX. 

I am inquiring for assistance as I do n't believe that their practice is fair and conducive to a clear and transparent business relationship between the bank and the customer. This is an omission on their part that gave me no choice and that is totally one sided. This is an omission that benefits them only and leaves me with no option than bearing the cost. If I had not decided to close the account, they would have emptied the account of the funds and then they would have sent me a notification for non-payment of additional maintenance fees. There is something wrong with this practice. Therefore, on one end, they send no notice or warning before any change on the account and before charging any fees ; and on the other end, they would readily send me a notice demanding that I pay fees after having emptied the 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 2015-09-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I went to BMO bank XXXX XXXX XXXX XXXX WI. I gave them a {$10.00} bill and asked for a roll of quarters. They asked if I had an account there. I said no. They said they could not give me the roll of quarters. They said they are saving them for their customers. What are banks for? I used XXXX money asking for XXXX money. Are the United States low on quarters?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MO

Complaint narrative:
I called 5th 3rd bank to see if I was included in the Auto Lending Enforcement. I was told that this is only for the state of Ohio and I was n't included in the suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Business and Consumer Solutions.
State: CA

Complaint narrative:
Received multiple missed phone calls from Debt Collector, they did not leave voicemails. 

I called the phone number back today to find out who has been calling me. I was told that they were a debt collector looking to collect a debt. They gave me the information that asked for, their phone number and address : XXXX XXXX, PA XXXX. 

I told them that I had not received a letter in the mail informing me that they are collecting a debt, which I have not received, and that they should not call me until I receive that letter. I also confirmed my phone number with them and told them that they can only contact me at that phone number, no others. 

I expect the letter within five days of this, our initial communication, as I have not been fully informed about the debt. I did request some information and was provided with the following : amount owed, date account open and date account went delinquent, last payment amount, original creditor and type of account. I understand that there is more information due to me regarding my actions and rights that were not obtained in this phone call. 

I also asked for the name of the debt collector and was told it was XXXX XXXX, but when I searched the number ( XXXX ) XXXX online, I found the following information : FBCS Consumer Contact Solutions Headquarters XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX https : //www.fbcs-inc.com/contact/ This may have been an understandable communication error or they may be calling on behalf of the debt collector XXXX XXXX, but I am not entirely clear. 

Here is the information regarding the missed calls and no voicemails from the debt collector : Call from XXXX on XXXX XXXX, 2016 at XXXX. 

Call from XXXX on XXXX XXXX, 2016 at XXXX and XXXX. 

Call from XXXX on XXXX XXXX, 2016 at XXXX and XXXX. 

As of now, my complaint is regarding the phone calls. 

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 2017-03-08 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I opened a Cash Rewards credit card with Bank of America in XXXX in XX/XX/XXXX. I was told by both the brochure and the onsite staffer that the card offers a {$100.00} bonus as long as my spending exceeds {$500.00} during the first 90 days. However, even though my total ( as well as individual ) purchases for the first XXXX months exceed {$500.00} ( {$1000.00}, {$680.00}, and {$570.00} respectively ), I have received no bonus up to now. I called XXXX on XX/XX/XXXX to inquire about the incident, but the customer support failed to provide an adequate explanation, saying only that the incident was too dated and that I should have called earlier. I requested to speak with her manager, but was told her supervisor was unavailable. She promised to take note of my request and call back, but I have received none up now.

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 monetary relief