milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/17/2018 about Mortgage (Conventional home mortgage) with FREEDOM MORTGAGE COMPANY (VA).
Issue: Trouble during payment process

Complaint: In XX/XX/XXXX I closed on my home HUD ( XXXX XXXX XXXX XXXX XXXX, VA XXXX ) at closing, as is common, I prepaid homeowners insurance for 12 months. Within the first month, I began receiving late notices with regard to my homeowners insurance being late however, it had been paid in full at closing. 

My lender ( Freedom Mortgage ) was also contacted by the insurance company regarding the insurance and subsequently, I received correspondence threatening forced placed insurance. I contacted Freedom Mortgage and my insurance company to no avail.

On or about XX/XX/XXXX, I had been forced into a situation where I had to take action. I contacted a new insurance company ( XXXX ) and obtained new homeowners insurance. Within 30 days, I eventually received a refund check from XXXX XXXX XXXX when they realized they had alread been paid. 

On or about XX/XX/XXXX, I received a letter from Freedom Mortgage that my escrow account was short. I contacted Freedom to be informed that they found my account to be short thousands of dollars! 

Upon further investigation, about 2 weeks later, I discovered that Freedom Mortgage had, without my knowledge or consent, paid over {$1000.00} additional out of my escrow account in homeowners insurance ( knowing it had been paid at closing only 30 days earlier ). 

The customer service representative seemed as shocked as I was when we discovered where the monies had gone. However, I was subsequently informed that I would have to recover the missing funds, was provided no time to recover the money, and was provided no assistance with documents I requested regarding pay outs, etc. I was also informed I would need to pay additional payments as they were raising my monthly mortgage payment. 

I sent a letter to Freedom Mortgage on or about XX/XX/XXXX requesting they temporarily return my payment to its original amount, provide payment related documents, and assist me in the recovery of the missing money they had mistakenly paid out. 

I have received threatening calls and multiple collection/threat letters, but no answer or assistance from Freedom Mortgage. I can't even prove any additional monies were paid out without their assistance. 

I had no knowledge of any additional payments erroneously paid by Freedom Mortgage and believe it is ludicrous that I should be blamed and saddled with the burden of inflated monthly payments and the collection of my money which had been held in trust by Freedom Mortgage. 

I will work with the lender to solve this issue but I need assistance. I did not have any idea that these funds had been mishandled and should I have known, I could have been attempting to correct the issues. 

Please feel free to contact me XXXX. 


Thank you, XXXX XXXX

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 10-07-2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Experian Information Solutions , Inc. violated the Fair Credit Reporting Act sections 15 U.S.C. 1681e ( b ) ( 2 ) and 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Experian failed to by its own admittance : ( 1 ) to use reasonable procedures to assure maximum possible accuracy of the information in its credit reports under15 U.S.C. 1681e ( b ) ; ( 2 ) to " conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file '' when information is challenged by a consumer under15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

Experian Information Solutions , Inc. violated the Fair Credit Reporting Act section 611 ( a ) ( 7 ) DESCRIPTION OF REINVESTIGATION PROCEDURE. -- A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by no later than 15 days after receiving a request from the consumer for that description.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XXXX XXXX is not legally authorized to collect debt in the state of Texas. Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from  engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. 
Based on the information filed with the Office of the Secretary of State, the bond for this company has been cancelled, and  therefore they are not legally able to attempt debt collection within the state of Texas, where I reside, and can not report these false negative items to the credit bureaus. Please remove this item from my credit report for all 3 bureaus asap and stop contacting me.

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 09/28/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (VA).
Issue: Closing on a mortgage

Complaint: Account # XXXX Property Address : XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX To CFPB : Im experiencing some concerns with Select Portfolio Servicing Inc. ( SPS ). My mother XXXX XXXX owned the property located at XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX. I sent several emails and letter to SPS requesting to make payment arrangements because my mother XXXX XXXX. I was informed by SPS that I was approved to for a short sale and the property would be paid in full. I receive a letter explaining the terms of the short sale. I was required to send a cashier check or wire funds by XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I sent a check of {$1000.00} to pay off the short sale. On XXXX XXXX, XXXX, I called SPS to confirm that the payment was received by SPS. Also, I sent my mothers XXXX XXXX and estate affidavit. I was told by XXXX XXXX, Relationship Manager that the check was received by XXXX XXXX, XXXX. Also, I wanted to know the next steps since the check was received before the deadline. XXXX XXXX informed me that the account was paid in full and SPS would release the lien on the property and she stated congratulations. 

On XXXX XXXX, I called SPS to inquiry about the status with receiving documentation that the lien was released and the property would be in my name. SPS immediately stated that they didnt receive the payment and I lost the property. I sent a copy of the cashier check and I called XXXX XXXX to inquire whether the check was cashed. I was in formed by XXXX XXXX the check was cashed on XXXX XXXX, XXXX. 

My mother own the condo and I tried to settle the debt with SPS, however I feel they have tried to take advantage because they informed me that I no longer own the property. Please feel free to contact me at ( XXXX ) XXXX-XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Application, originator, mortgage broker

Complaint: We signed a purchase agreement XX/XX/2016, on a condo at XXXX XXXX, SC. For a few reasons, we applied for a mortgage with Bank of America. Our closing date was XXXX XXXX with a 10-day extension. We were assured that we should have no problem closing by that date. Even though the Home Services Specialist ( HSS ) who handled the application knew we were buying a beachfront condo, he did not aggressively pursue approval of the Condo Review Board until the very end of the process when that matter should have been addressed at the outset. As our closing date approached, we, our realtor, and our real estate lawyer tried to get specific answers regarding approval from the Condo Board and hence the mortgage. The HSS set XXXX different closing dates, with the final one on XXXX/XXXX/2016. The HSS would not return calls or e-mails or would promise to make calls that never came. At one point, he could not explain the condo issue to our realtor. He asked for documents which we supplied 2 or 3 times. Overall, he acted in an unprofessional fashion. Finally, on XXXX/XXXX/2016, our realtor forwarded an e-mail she received from the HSS telling her that the Condo Review Board had not approved the condo. As of XXXX/XXXX/2016, we have still not been informed verbally or in writing by the HSS or BOA that the mortgage was denied. Had the HSS and BOA been straightforward with us, we could have gone to another bank and probably closed the loan on time. We stayed in the process because the HSS gave us every indication that the mortgage ultimately would be approved. We and our realtor complained to the HSS 's supervisor only to have our phone and e-mail messages not returned. Because of the incompetence of the HSS, we nearly lost the condo.

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 10-01-2017 about Debt collection (I do not know) with NCB MANAGEMENT SERVICES INC (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Disputed several time to credit bureaus of account was a result of identity theft and provided a police report. I also contacted the collection agency to notify them of the inaccuracy of this account and received no response or help.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (AZ).
Issue: Struggling to pay mortgage

Complaint: I applied for a loan modification on my mortgage  XXXX / XXXX / XXXX  due to loss of income from my son turning  XXXX . SS was due to income because my husband passed away  XXXX . I was told by SS when my older son graduated the difference would go to other son. However that was not the case. I was approved for  Modification   XXXX   XXXX ,  XXXX  in which my payments became affordable. I signed all docs and returned them. I have been making the payments that have been agreed upon.  XXXX   XXXX  I received call from Mortgage company advising they where to send new docs. New docs where sent out and received them  XXXX   XXXX  via  XXXX . Upon reviewing MOD was changed and payments increased. I was told never told why I was getting new ones. I took info to agency that helped me get MOD. I gave them authorization to request info. She was told mistake was done in  1st  MOD since property is MH. I was finally told by Mtg that yes it was a mistake also. My payments have been made and have been accepted by Ditech.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Equifax - I can not access my credit report or file a dispute on line. Every time I answer their verification questions I am told my answers do n't match their information. However, I am able to pass the verification questions for the other XXXX credit reporting companies. This has been an ongoing issue for at least a year.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I went to Experian 's site and clicked on free credit report. I did not know they would charge a {$1.00} then {$21.00} every month. Why would I pay {$21.00} every month when I can get it for free 3 times a year. I had never done this before. I called Experian and told them my story and they said, too bad. 
I have disputed the charges on my credit card. 
Experian 's tricks people into thinking they are getting the free credit report. They did n't list the {$21.00} charge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Debt collection (Credit card debt) with Sessoms & Rogers, P.A. (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: I was a truck driver but now im on XXXX due to my XXXX XXXX and Sessoms and Roger are trying to take me to court for a credit card debt. I have had a lot of trouble out of this company before. they were trying to take me to court once before and the company that has it now are still calling me and the debt is from 2007. I have papers now that Sessoms and Roger are about to take me to court for. a letter has been send to them stating I am on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: XXXX/XXXX/2015 receied call from XXXX claiming to be from the XXXX Law Firm, calling on behalf of XXXX XXXX to collect an old debt. I explained the debt was discharged in Bankruptcy court XXXX years ago but he didnt want my lawyers information. 
He threatened me with IRS issues and said he was investigating me for a criminal act. 
called # back and got voicemail. XXXX search shows this info : XXXX Law Firm, XXXX XXXX XXXX, TX XXXXPhone : XXXX. I called # ending in XXXX and reached same voicemail as the # of the dept collector XXXX. Didnt have my address but wanted it. After not getting info he hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Debt collection (I do not know) with Financial Accounts Service Team Inc. (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i recently received a copy of my XXXX credit report on XX/XX/2017 from which a collection was added without receiving any written communication of the above debt, which caused my credit score to drop XXXX points..

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Mortgage (Conventional fixed mortgage) with Arbor Residential Mortgage LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage servicer, Seneca Mortgage, allegedly paid my property taxes on XX/XX/2016. It transferred my mortgage to a new service shortly thereafter. The county I live in claims it has n't received the payment nearly a month later. When I call Seneca, I ca n't reach a live human to get information on the disbursement. If I enter my old account number, the automated system just forwards my call to the new servicer, who does n't have any details about the alleged payment except for date and amount.

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 05/23/2015 about Debt collection (I do not know) with Jenkins, Wagnon & Young, P.C. (TX).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: On XXXX ( XXXX ) XXXX a law firm named XXXX, XXXX, XXXX and XXXX filed a lawsuit citing that they represented XXXX for a debt and did not name the creditor or identify the debt source. The citations do not show that XXXX XXXX XXXX was ever served the citations as they are not signed. There was no other information sent notifying XXXX of the debt identification or how to resolve the claim. XXXX XXXX XXXX passed away on XXXX XXXX, XXXX after an extended illness. On XXXX XXXX, XXXX a totally DIFFERENT law firm ( Jenkins, Wagnon, and Young ) showing that they represented XXXX XXXX, XXXX ( which is not the original debtor shown on the citation in XXXX - different collection company name and different debtor ). There was no citation sent according to county records to attempt to notify XXXX or her estate of the claim. There was no no validation of the debt and no information sent disclosing what this debt is, the original creditor, and allowing the person OR the estate the opportunity to validate the debt. There are some legal time issues that also apply on filing or collecting within a year of the death of a person. 
This action is an unfair debt collection action. They have misrepresented information and facts about the original suit, the original debt collector and the law firm filing the suit are totally different entities that the judgement action entities. In addition, no notification was sent or served for the judgement action entities, no opportunity to validate the debt or respond to the action action was afforded either XXXX XXXX or her estate and respresentatives. This judgement was also filed over 18 months after the death of XXXX XXXX. 
There has been no response or acknowledgement of the original complaint and there has been no real response to my initial attempts to contact the creditor and communicate with them. Discussions with the original law firm disclosed that they will not be filing or asking for further action or judgement. I have no ideal what the debt is supposed to be as there was no disclosure of what they are claiming is owed, what kind of debt it is, whom it was owed to and other accounting information that would need to be disclosed to validate it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My identity was stolen resulting in unauthorized ACH attempts on my checking account. XXXX XXXX closed my checking account due to it having a negative balance from the identity theft. I called to have this resolved and they said since it happened over 3 months ago then they can not launch an investigation. They also said they can remove the negative information from my report if I pay the negative balance, they said they are not concerned about my identity being stolen they just want their money.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Problems caused by my funds being low

Complaint: Hello, I been with Well Fargo for so many years ( since 2000 ) and the way their backing works is no fair. Before paying some bills, I always check the phone appt to see how much I have in my acct and then i pay the bills. but one the bills go thru i actually did not have what they showed so they overdraft my account, no ones but two time ( back to back ) i call and they are refusing to re-inverses my {$70.00}, it had happen so many times that i want to closed this acct, but i have been with them so many years that i think my credit will be affected. On the pas 18 months they have charge me {$910.00}, just on this fees. 
I would like to see if thy refund me some of this money is unfair how much money they make without my consent. 
Their appt shows something and when you used the money you actually do n't have what they said.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/27/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: A company I hired to do business for me did not deliver the promised product. I disputed with my credit card company and instead of handling it as a dispute they handled it as fraud. Refusing to handle it as the dispute I had filed. I checked today and they still show the dispute open. I found out that Citi has a habit of handling a disputed charge as fraud in order to avoid giving the consumer their money back. This is not right. On XXXX Citi acknowledged that I filed a dispute ( attached ) and today they still show this dispute open ( also attached ) I only attached the information for the {$4200.00} but also have all the documents for the XXXX {$700.00} charges, which they also mishandled and not in a timely fashion. I filed disputes in XXXX XXXX and in XXXX XXXX you will see they were still open ( attached ). XXXX lady told me they had sent the money back to the vendor and I would never see my money because Citi made a mistake. PLEASE I BEG YOU if you need anymore documents PLEASE let me know - I have hundreds of pages showing they handled by dispute improperly and I can back up everything I am saying in the letter I did attach and more.

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 12/16/2016 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Problems caused by my funds being low

Complaint: I opened a Huntington checking acct because of their 24 hour grace period if your account goes negative and I felt that that really helps me since I really cant afford fees. My account had XXXX in it and I had a check for {$5.00} returned due to insufficient funds and was charged XXXX. If the check would have went thru, my account would have been XXXX, still under the {$5.00} threshold and I would had a deposit coming thru the same day. So what happened to the 24 hour grace period that Huntington says they offer? Does it go away after a certain amount of transactions? Paying almost {$40.00} at this time of the year really put a dent in my pockets. I can see if the transactions were a lot of money, but they were {$5.00} or less. Needless to say, once I get direct deposit switched over, I will be looking for another bank, one that really cares about an average person just trying to make ends meet!

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/23/2016 about Consumer Loan (Vehicle loan) with MERCEDES BENZ FINANCIAL SERVICES (NC).
Issue: Managing the loan or lease

Complaint: Potential sensitive information security breach has occurred in Mercedes-Benz Financial Services ( MBFS ) as I received statements from other MBFS customers and able to open and view those statements which contains details including name, address, account numbers, loan balance, payment due, VIN, car description, etc. I now have access to at least XXXX other customers as each month they sent me statements for different customers

Company response to consumer: Closed with explanation