vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: UT

Complaint narrative:
I am trying to buy a property to live in. I have contacted US Bank Many times with information on pay off date from a foreclosure I had in XX/XX/XXXX. A date is on the County Trustee Deed on public record in XXXX XXXX, Utah. but ... still they will NOT supply me with any date. As a result I can NOT get my loan and I am losing the said property. Now, they are reporting it on my credit report as XX/XX/XXXX. This is completely wrong and needs to come off my credit report immediately. Also ... US Bank faxed a letter to my lender stating that the account is paid in full but ... will NOT provide a date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Financial Business and Consumer Solutions.
State: CA

Complaint narrative:
FBCS has placed a collection item on my XXXX credit report and done so without contacting me before-hand.I Just realized about the collection after getting an an alert on my credit bureau. 

I have no idea of the debt,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Collectors are calling Family Members! This is not our debt, but they are calling us in reference to a family member who does NOT live with us! They are pushy, and we need to hang up on them. I thought it was illegal to contact family member! But these calls are aggravating!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I opened an account at fifth third bank. I was online messing around with the bill pay feature. I have a small business so this feature would be great for my out of state employees. I set up a check under my business name for XXXX $ and hit send. I tried to cancel and the online said I could n't because it was already in processing. Well I did n't contact anyone because the check was coming to me so I was going to throw it out I knew it would n't get cashed. Next thing I know my account is locked so I called the fraud department explained what happened and they said all I needed to do was go to a bank and the branch manager could unlock it. So the next day the branch I went to made a call and said I needed to contact the branch manager where I opened the account so I did that immediately. She said she would call the fraud department and call me back. After half a day went by I called back and she said there was nothing learned yet. I waited a couple days called and she said sorry there was still no answers for me. I only have {$50.00} in this account so it 's not causing financial issues only a long drawn out headache. How hard is it either close the account and give me back my money or unlock it and do business.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Recovery One, LLC
State: OH

Complaint narrative:
I entered into a payment plan of XXXX payments. Upon making the second payment, the company ( XXXX XXXX XXXX located in XXXX, OH ) with malice intent to defraud me, placed the account into collections in an effort to collect the debt again. I spoke with a representative from the collection agency ( Recovery One XXXX XXXX XXXX XXXX ) and told them this account was paid in full on XXXX/XXXX/2016 and to check with their client. I have since received XXXX phone calls and a mailing date XXXX/XXXX/16 from the collection agent demanding payment for this account. XXXX acknowledged receipt of my payment, however they continue to refuse to remove the account from collections despite this account being paid in full. XXXX has an F rating with the XXXX Ohio. In reading other people 's complaints, it appears this company willfully attempts to defraud others as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
On XX/XX/XXXX, I deposited XXXX checks made out to " XXXX A XXXX and XX/XX/XXXX and AS A SOLE AND SEPARATE PROPERTY '' using the ATM at my bank, the Golden 1 Credit Union. XXXX check was in the amount of {$81.00} and XXXX for {$4000.00}. These checks were for claim losses due to a flood written by my flood insurance carrier, XXXX XXXX XXXX XXXX XXXX. 

When I checked my on-line balance the following morning I was appalled to discover that the $ XXXX check was credited back out of my account, and I have since learned they were mailing it back to me. Upon calling them, they stated they do not deposit 3rd party checks. This is incredulous, XXXX checks were made out to me and my mortgage company and were not 3rd party checks. They did not even bother to first call me or the insurance company to insure there was funding to pay the check. I have since been unable to deposit my claim loss check in my account. My mortgage company is lost and will not endorse an insurance check. 

I have spoke with their Escalation & Support Desk, which has provided instruction so I can expedite the deposit of the $ XXXX check as soon as it is returned to me. But today I received a call from a supervisor named XXXX XXXX who informed me they would not deposit the check. I need the funds to pay the contractors I have hired to repair my home who are waiting to be paid. It 's bad enough to be flooded, and I have done everything responsible to protect my property, including buying flood insurance, but now I am being screwed over by my own bank that I have been with since 1975.

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
Consumer complaint received 2015-09-28 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BMO BANK NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I had a target debit card payment go through that overdrew my account {$.00} - XXXX XXXX CENTS and they RETURNED the payment to XXXX and slapped me with a {$35.00} fee. I will also now get a {$30.00} fee XXXX. Their overdraft policy CLEARLY states if your account overdraws less than {$5.00} there will not be a fee. Not only did I get the fee they returned the payment entirely. This is insanity! I am now paying {$65.00} for a {$0.00} mistake.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Avant Credit Corporation
State: MT

Complaint narrative:
There is some kind of discrimination going on here. I 'm pre-approved, sign loan documents, then for some reason I 'm informed that I 'm denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
HO with delinq mtges with Fifth Third contacted me asking for help with a loan modification. I gathered all the information and send the RMA and all other required docs to the bank for review. On XXXX XXXX, 2016 the POC person at the bank, XXXX XXXX XXXX requested addtl documentation which I immediately faxed to her. On XXXX XXXX, 2016 XXXX requested P & L statements for the HO 's XXXX. I provided them and faxed them in to her on the same day. The HO got a letter dated XXXX XXXX, 2016 from XXXX XXXX at Fifth Third advised that they had to close her file since she did not meet the terms of her agreement???? What are they talking about? I called the bank and talked to a guy named XXXX who said that XXXX 's notes on the file said that since the P & L statements were not signed and dated they were closing the file! Really??? All she had to do was ask me to get them signed and dated which I have done and returned to them today asking them to re-open and review this file for a loan modification. They obviously are not too interested in helping the homeowner and I do not approve of their tactics. Someone needs to talk to them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Affiliated Management Services
State: OK

Complaint narrative:
I do not have a knowledge of owing any debts. I was not called or mailed a letter to verify any amounts due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
In my annual escrow account statement, my servicer Freedom Mortgage claims that the maximum lowest balance of XXXX of annual disbursements is a required minimum. They correctly cite federal law saying the lowest balance should not exceed this amount, but then they change language and call it a required low balance. I believe they are using the imprimatur of federal law to coerce customers into paying more into escrow accounts so they may have use of this excess escrow reserve interest free. At no point in the coming year does my projected escrow balance fall below the amount needed for disbursements. I have requested to cancel my escrow account. But, I do believe the language of this statement is intentionally misleading and as such the CFPB should take action. 

Sincerely, XXXX XXXX XXXX XXXX, CA

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 2016-01-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My Mortgage with XXXX was sold to BMO Harris Bank in XXXX of XXXX. I have never had an escrow account as part of my loan agreement as I originally paid 20 % against the sale value of my house. After my mortgage was transferred I continued to pay my monthly payments as usual until I received a statement in XXXX of XXXX where it indicated that BMO Harris paid my year end property taxes and Homeowners insurance. On top of that they paid XXXX dollars more against my property taxes then the actual cost. All property taxes were current and on top of all this I had paid my property taxes and Homeowners insurance as well. BMO Harris never told me nor should they have ever paid my taxes or homeowners insurance. As a result of BMO Harris paying my taxes and insurance they have now issued me an adjusted statement stating that my escrow account is {$26000.00} in arrears and that they are adjusting my monthly mortgage payment to address the escrow shortfall. My new monthly payment would now be in excess of {$6700.00} per month. I have been in contact with both their customer service department and Escrow department continuously for the last two months. They have freely admitted that when they took over the mortgage account that they set it up in their system incorrectly which resulted in their paying out of an escrow that does not exist. They keep telling me that they are going to fix it and get their money back from both the XXXX and insurance company. My mortgage payment is out withdrawn from my bank account around the XXXX of each month and as of XXXX XXXX, XXXX they started withdrawing the {$6700.00} from my account which now has created serious financial difficulties for me. The bank is in breach of their fiduciary responsibilities and perhaps other laws that I am not privy to however I need this remedied. BMO Harris has been woefully non responsive in trying to resolve this and it would appear they just keep putting me off. Next step is legal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Franklin Credit Management Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX notification was sent to me via XXXX party of a NOD that was listed on my property, which is my primary residence from Franklin Credit Management Corporation. I was not notified of such NOD via registered letter as required by law. 
I have made request for modification in accordance with XXXX, Ca. Franklin Credit Management Corporation has not responded to a letter I requested several documents in a letter dated XX/XX/XXXX as well as letters dated XX/XX/XXXX. These were all RESPA, QUALIFIED WRITTEN REQUESTS which have not been responded to within the 20 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
A {$1700.00} check from a different bank 's account was debited from my account. They have the same routing # and account number.

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 2016-12-08 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MD

Complaint narrative:
I paid off a mortgage with Fifth Third Bank, XXXX, Ohio. 

They received the payoff on XX/XX/2016. There is additional funds due me thru Escrow and Principal. Called the company to find out why this money has not been forwarded to me and I get some excuse of waiting 10 work days before they can send out the money due me. This is my money not the bank I expect this money to be refunded to me asap and now with interest. They charged me interest on their money and now I am charging them interest on my money. Why are banks allowed to get away with keeping other people 's money. If it was there money, the bank would want it that day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I filed a dispute for an unauthorized charge to my debit card. I also filed a police report for theft relating to the same matter. The BMO Harris XXXX failed to obtain the police report number, XXXX contact information, contact information for the local police office, etc., to investigate, and did not contact the authorities at any time. Instead, I received a letter from BMO Harris stating that my claim was denied, and closed. 

In short, I used my debit card at a XXXX gas station located in XXXX, IL. I inserted my card at the pump, and proceeded to pump XXXX gallons of gas into my portable gas can. After a few days, when reviewing my checking account activity online, I noticed I was charged {$58.00} for what was a {$6.00} purchase. 

I have been in contact with the corporate office of XXXX, and with BMO Harris, my debit card provider. 

I filed a police report with the XXXX Police Department. I also filed a dispute for the charge with BMO Harris, per the recommendation of the representative from XXXX XXXX she told me there was nothing more they could do because there was an open and active police investigation pending ). 

As of XX/XX/2016, I received a letter from BMO Harris denying my claim. 

Apparently, XXXX somehow generated a receipt showing XXXX gallons of gas purchased at a cost of {$58.00}, and BMO Harris simply accepted that as a basis for denial of my claim without noting the police report of theft, and without taking any information pertaining to it, and without contacting the XXXX Police Department. 

When I called to ask about this, the representative I spoke with ( not in the dispute department, simply a call center representative for all banking customers XXXX told me after he put me on hold that he spoke with the XXXX and attempted to pass along the police report number, XXXX name, and contact information for the police department, but was told by the XXXX that she would not look at the information or take it into account. He apologized and told me there was nothing he could do. 

If all other factors are ignored in this case, at the very least it should be noted that my vehicle according to the owner 's manual has a fuel tank capacity of XXXX gallons. It is not possible for me to pump XXXX gallons if I wanted to, notwithstanding the fact that I only pumped XXXX gallons into a red plastic portable gas container for my lawnmower that day.

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 2016-07-01 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC.
State: TN

Complaint narrative:
Suntrust Bank has continuously reorganized transactions that are on my account to ensure that they are able to get multiple ovedraft fees for transactions. They have even left CASH DEPOSITS pending and not posting to my accounts causing fees to happen. They will take transactions that have been pending for days ( with smaller balances ) and reorder them and process a newer larger pending transactions so that all the funds that are allocated and supposedly already being held for current pending transactions are used. So now there is an OD fee so when the funds that are held on pending transactions are freed, they are eaten up by the OD fee causing the ALREADY pending transactions that are ( Previously authorized for payment with funds taken from available balance ) to not be able to be paid and Overdraft. I was charged a {$36.00} OD fee for a {$94.00} charge because I only had {$94.00} available at the time. I was charged {$36.00} for a {$0.00} differential. This has happened before on my account. There was a {$20.00} cash deposit pending when this happened as well. So why was my deposit of CASH not processed? If my {$20.00} CASH deposit was processed I would have been able to cover the {$.00} as well as the subsequent {$15.00} Gas charge that I also received a {$36.00} OD fee for because it was not money there. Well I apologize the {$20.00} CASH deposit was and is still pending. So now my account is overdrawn {$69.00} which is {$72.00} ( XXXX OD fees ) +XXXX+XXXX+XXXX= XXXX - ( {$20.00} Cash Pending ). I have checked and honestly due to Overdraft fees for reorganizing drafts and transactions and holding deposits ( CASH DEPOSITS ) I have paid in excess of {$1000.00} in Overdraft fees to date. I have already paid these fees to keep from having to pay the extended fee but I truly feel like paying {$36.00} for {$0.00} makes me feel like I have been XXXX by the bank and no one cares. Why could this not be a courtesy reversal. I called and had absolutely no complaint about the {$15.00} charge and Overdraft fee. I know how unethical and unconcerned this bank is for it 's customer 's welfare. They are more concerned with the dollar amount. I would like to be refunded my {$36.00} for that {$0.00} differential as that is extremely excessive abuse of the OD fee penalty. This has happened previously with a OD fee for a charge less than {$.00} and they gave a credit so I am no longer eligible for any future credit according to XXXX the Rep and the branch. This is a horrible horrible bank and they are sharks at prey. If I make mistakes I NEVER complain but this is horrible.

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