vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On Wednesday, XXXX XXXX, 2015, I went into a BMO Harris branch in XXXX, Illinois to apply for a mortgage refinance. I presented the Mortgage Banker, XXXX XXXX XXXX XXXX a commitment letter from my current bank for the mortgage refinance and asked if he could do better than their deal. It was an interest rate of 3.5 %, for 15 years with XXXX origination fee and XXXX discount fee. Although he said the cost would be approximately {$1500.00}. He also said that the recent appraisal of my house could help to reduce the cost of the loan and I would get a grant for {$1000.00}. But he required a {$100.00} deposit. I provided a master card for the {$100.00} and asked for a receipt and he said he would email it, but he never did. Today, I received the application via express XXXX letter that he completed along with other mortgage documents including disclosures and settlement information. How can {$4100.00} in settlement charges be better than XXXX cost and XXXX origination fees? I wanted to borrow XXXX, but the application says that I want {$85000.00} to pay for consumer debt when I did not ask for additional funds. I told him that I currently do not have an escrow with my current mortgage and want to keep it that way, but the application/documents he prepared state that I would have an escrow. I have asked whether I would be denied a refinance loan for the {$73000.00} and whether I am only approved for the larger {$85000.00}. To date, he has not documented whether or not that is the case. Also to date, he has not provided me a receipt for the {$100.00} that I have requested XXXX, but BMO Harris managed to charge my credit card. I have found this loan refinance process to be such a scam.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BMO BANK NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Transfer was pending at recipient bank for over 5 days at BMO Harris at XXXX XXXX XXXX in XXXX IL. Branch manager was on vacation and transfer department ignored my ACH deposit for {$30000.00}. This made me scared the transfer was lost, and angry that I was ignored.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
Made the last payment on 15 year loan in XX/XX/2016. Was informed by bank that I had a balance of {$98000.00}. I applied for loan to buy some time and was turned down because of low income and low credit score. The 15 year loan was paid monthly without missing a payment. {$950.00} a month for 15 years. Total amount paid was {$170000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I am refinancing my home when XXXX mortgage said I was late for XX/XX/XXXX payment, not only that but, said I sent in partial payment. When I have proof of payment from XXXX of the payment sent on XX/XX/XXXX chashed on XX/XX/XXXX by XXXX mortgage. They sent this to the credit bur and refuse to remove it. This is not the only issue I have with XXXX mortgage my escrow account now when I went over to Freedom I had a surplus but now I 'm short. {$1700.00} XXXX said I received from XXXX. that 's a lie. XXXX is my new homeowner insurance company and I sent them some money about {$47.00} dollars which XXXX said I should not have sent. I dont know where XXXX got this from, XXXX even tried to put my home in foreclouse and sent me the papers for hardship. I need to know in writing where my escrow went. Freedom mortgage is the wrose

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 2015-11-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Franklin Credit Management Corporation
State: CA

Complaint narrative:
I have a loan modification loan for the past 2 or 3 years and i was told that it has taken care of the second on the loan also. i have not seen any negative statements on my credit file concerning this matter. Now i have been sent a letter o notice of default and intent to accelerate against me on my home. it says total payments due for 87 months XX/XX/2008. the principle is XXXX and interest is XXXXlate charges XXXX. I have no idea about any of this claim. all i know is that i had a loan modification and only XXXX bill to pay because it was taken care of by the loan modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: URS Holding, LLC
State: NY

Complaint narrative:
On XXXX XXXX, XXXX I received a call at work from XXXX XXXX representing United Recovery Systems XXXX XXXX in regards to my father 's XXXX XXXX account ; he is the primary cardholder along with my mother. This was after XXXX XXXX took the monthly payment from my parents joint account which I discovered later that evening. XXXX XXXX proceeded to harass and demand that I do a check over the phone for the full amount of approximately {$3900.00}. I told her I would call her later because this seemed out of the blue and how in the world did my work number get involved if I am not the primary account holder. My parents opened the XXXX XXXX account back in XXXX. They have had the same home phone number since XXXX only now they have voicemail there were no messages or letters received at the home address that mentioned there was a problem with the account that was recently closed due to pressing and serious XXXX issues that caused late payments but from XXXX until now my parents always paid their bills on time. I calmly refused to discuss the account with XXXX XXXX and told her I would call back before XXXX that evening which I did but she apparently was unavailable so I spoke to another rep and told her that XXXX XXXX already deducted the past due amount ; furthermore I told the rep not to call my job ever again otherwise I plan to take this to another level. I do n't have the address of the collection agency because I never received anything in the mail stating that XXXX XXXX turned over the account to them. I did ask the representative that I spoke to later that evening on XXXX XXXX to send me a copy of the letter they allegedly sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Avant Credit Corporation
State: FL

Complaint narrative:
I received a preapproval offer in the mail from Avant. I decided to apply online with the preapproval code they gave me and was informed based on my credit ( they pulled online during application process ) I was approved for XXXX. I did not need XXXX but applied for XXXX instead. They asked me for my personal bank account information such as account number and routing number. I thought this was a bit odd but I complied. For the next several days the website informed me that my documentation was in process. I received several phone calls from them asking me the same questions ad nauseum. I found this a bit unprofessional and lends to my reason for filing this report. This morning I received a denial. I 've been denied before, but I am a little concerned when a bank asks me pertinent information with regard to me bank account without actually approving me. I am inquiring as to whether or not this is a standard banking practice. If not, what are my options.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I have a mortgage with Freedom Mortgage. Since XXXX 2015, even after I send my payment and they cash it, they send me threatening and abusive letters saying my payment is overdue and they will foreclose. I send copies of all paperwork and they say they will check it out, but nothing improves and the same behavior continues. I USPS track all my payments and send packets of copies of cancelled checks and letters from Freedom.

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 2015-10-01 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Franklin Credit Management Corporation
State: CA

Complaint narrative:
I requested mortgage assistance from Franklin Credit Management XXXX XXXX XXXX XXXX, XXXX regarding my defaulted 2nd mortgage and they have not offered my any assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: URS Holding, LLC
State: NY

Complaint narrative:
" XXXX '' from United Recovery Systems ( URS ) ( XXXX ) keeps calling my client, XXXX XXXX for a debt that she either does not owe or was fully paid in a settlement ( attached ). 

URS is contacting a represented party ; misrepresenting that a debt is due when it is not ; and harassing a consumer without any defense.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I have XXXX loans on my home. The first mortgage after much stress, hassle & lies from this bank, I finally received a loan modification. The XXXX loan is a HELOC with " Wells Fargo ''. They told me that if I could get a loan mod from the first lender it would be much easier to get modified with them. They denied me twice, saying I can afford the monthly payment as is. Which seems to have nothing to do with any reason to deny an approval. The payment would have to go up regardless & if I made less money they would say I could not afford it & be denied as well. They even added {$1000.00} to my gross income, of which I do not make. So apparently there is no such thing as approval in any case.There is only an {$8500.00} ( approximate ) delinquent amount. If this amount was simply added to the loan amount it would be about {$20.00} more per month in payment. So they would rather foreclose on my house than to increase my monthly payment by {$20.00}. This is outrageous. 
In 2 years this HELOC will end anyway & the entire amount will be due. If I refinance it will increase my payment by about {$600.00} more per month + the cost of the refinance fees. I only have 2 years on support payments left & then do not know if I will have any income at all after that. I was a homemaker and almost XXXX XXXX XXXX now. While my ex still enjoys his XXXX figure job & lavish health insurance. He was the one who caused all of the delinquent payments in the first place. The only choice I am given is to come up with the {$8500.00} payment. How do they figure that I can afford that? I am currently making the month payments & have been for the last couple years. It is only the delinquent amount at issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
The lender was provided the loss mitigation package on XX/XX/2017 and I have requested an update on this review 3 times by being transferred to a loss mitt rep and having to leave a message - a notice of sale, with a sale date of XX/XX/2017 was received and i still have yet to get an update on the loss mitt review - when I called today for the review update, I was advised they never received the package for the review - I have been given conflicting information from the lender for over 3 weeks. and now they have set a sale date - At this point we feel the lender is not willing to assist the client nor do they have a competent system for the updates being provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have been banking with Bank of America for over 7 years. On XXXX/XXXX/15, I had full access to all of my accounts and my online banking information. On XXXX/XXXX/15, I attempted to use my debit card and it was declined ; this was a shock, especially since I knew that I had sufficient funds in my accounts. I attempted to log into my online banking and was denied access. When I contacted BOA, I was told that my accounts had been frozen and were in the process of being cancelled. When asked why, I was told " It was a business decision to terminate the banking relationship and we are not obligated to provide a reason why. '' I phoned BOA numerous times as well as visited the local branch, and each time I was not provided answers. I was treated like a criminal whenever I attempted to find out what was going on. My employer and their banking company were unable to back out a direct deposit on XXXX/XXXX/15. On XXXX/XXXX/15, I obtained letters from BOA stating, " We 've closed your account above and any remaining balance wo n't be returned to you. '' There was still no reason provided. I am not delinquent with the IRS or student loans. All of my deposits are issued through the counseling agency I work for. There are no reported fraudulent or suspicious activity. I have yet to receive my money and have accrued penalty fees from organizations who have attempted to pull from my accounts as well as from the checks I wrote before knowing that my accounts had been frozen.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I submitted an FTC Affidavit with report number, an FTC Complaint number and a Postal inspectors complaint to Equifax and the Reporting Agency has failed to properly investigate fraudulent accounts on my credit file. I have submitted the same information to substantiate my claim of ID Theft numerous times to no avail. The following account ( s ) are not my mine and were opened without my consent, knowledge, authorization and were opened under fraudulently ; XXXX XXXX # XXXX is not my account. Please remove this inaccurate information from my credit file. 
XXXX XXXX # XXXX is not my account. Please remove this inaccurate information from my credit file. 
XXXX # XXXX is not my account. Please remove this inaccurate information from my credit file. 
Per my rights as a victim of ID Theft I demand that these accounts be properly investigated and removed from my credit profile. The FCRA ensures that Equifax reports 100 % accurate information. I also would like to see any consumer contracts and/or information contained in my credit file submitted as verification by the above referenced debt collectors and/or creditors per section 609 ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
I have a mortgage with Seterus who is servicer for my loan. my monthly mortgage payment was {$2300.00} ( principal + interest ) paid on XXXX XXXX, but Seterus increased the payment to {$3000.00} due by XXXX XXXX in which they say escrow account added, but it is without my approval. 
I have asked customer service dept ( XXXX ) to remove escrow account on my loan verbally and in writing since XXXX XXXX, but they have not removed it until today. 
I never opened escrow account before, so I do not need to pay escrow amount in addition to original mortgage payment. it is their mistake and it should be corrected back to previous status and it is time sensitive matter but they gave me a false instruction and a lie so that I have n't got any corrected statement yet. 
1, 1st time call : XXXX XXXX, lady ( did n't get name ) advise me the will fix the problem, just ignore the bill statement with increased amount and I shall be given updated bill statement soon. but nothing happened 2. 2nd time call : XX/XX/XXXX, XXXX XXXX, told me that previous customer service agent did not do anything, so she was now making a special request for fixing the problem and advise me to wait until next week but nothing changed. 
.3. 3rd time call : XXXX XXXX, XXXX XXXX and XXXX XXXX ( supervisor ) told me that they can not handle this problem and I need to submit the request in writing to correspondence department XXXX. XXXX XXXX : I faxed the request and I have confirmation email from correspondence dept on XXXX XXXX XXXX. XXXX call : XXXX XXXX, XXXX XXXX, asking her to expedite the request so that I can just pay same amount as contract on next due but told me just wait until they respond to me. she said it will take one month. 
summary ; - it is seterus that made the problem, they should corrected this problem right away but customer service agent told me a false instruction causing to wasting of time - customer service agent said they can not handle escrow account issue and ask me to contact correspondence department directly through fax after 2 weeks of false instruction. 
- they said correspondence department will respond me within 30 days - but next due is XXXX XXXX and I just want to pay same amount as I always paid which is not with escrow account. 
- customer service agent asked me to just wait until correspondence dept answer and pay increased amount with escrow account which is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/2016, I applied for a new credit card account with Fifth Third Bank. On the initial application, I indicated XXXX existing financial accounts to be considered for balance transfers. I would only do a balance transfer if I received a high enough credit limit and the online application would not advance to the following page without putting something in the balance transfer space. The credit limit that I received was only {$3400.00} which was not enough to do a balance transfer as well as use the card for purchases. I called Fifth Third Bank to cancel the balance transfers and subsequently received 2 letters confirming cancellation of the balance transfers. 

On XX/XX/2016, I attempted to use the Fifth Third Bank credit card however the transaction could not be processed. I called the bank and was told that my account was in the negative due to the XXXX balance transfers. I also asked to have the balance transfers reversed and was told that this could happen due to payoff checks having gone to the XXXX accounts. 

Now, my account is in the negative, my credit utilization rate more than XXXX % and a brand new credit card has been maxed out. These balance transfers took place without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Diversified Adjustment Service, Inc.
State: OH

Complaint narrative:
I received a call from a representative with Diversified Adjustment Service regarding a debt with XXXX. I was informed that there is a {$12.00} processing fee per payment, and if I had wanted to make multiple payments to settle the account I would have to pay the fee each time. I asked the rep if this could be waived and was told it could n't. I said I would start setting money aside and asked if I could be called back in 6-8 weeks, I was told " Good luck with that, You have one week '' and then the rep hung up. I felt this was threatening and rude.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
To whom it may concern, I feel that freedom mortgage is intentionally delaying the approval of my home refinance in order to gain more money out of me thru the increased fees of a rate expectation. On XXXX XXXX. XXXX I filed an application to refinance my home mortgage to pay off my credit card debt that I occurred in the repairs of my home. XX/XX/XXXX I called XXXX to see if I was approved and I was informed that my application was canceled and no explanation as to why. So I re applied at the same interest rate and the same amount to be borrowed. It is now XXXX XXXX, XXXX and I still have no approval on my refinance and I received a notice of unrealistic demands from freedom mortgage In order to come to a decision. 1. Freedom mortgage wants XXXX from all of my employers in XXXX by XXXX XXXX. By law employers have until XXXX XXXX to send out XXXX and I have not received mine so I can not comply with the demand from freedom mortgage. 2 I have given freedom mortgage all the documents that were requested of me in a timely manner and gave my reasoning as to why I did n't have some documents in my possession and freedom mortgage knowingly understood and accepted my justifications. I will not be held responsible for the delay of the approval of my refinance or any changes included by the inaccuracy and unorganized ethnics of freedom mortgage. 
Thank you for your time in understanding my concern

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 2016-09-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
They refuse to send me a copy of the debt in the mail and tell me I must pay over the phone now. I have no idea who they are and if they are really even a collection agency. Harassing calls continually everyday.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation