milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/15/2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (CO).
Issue: Loan servicing, payments, escrow account

Complaint: To Whom It Concerns ; Apparently, my original XXXX mortgage loan was sold to Freedom Mortgage.com, some years back. Freedom Mortgage referred me to XXXX, XXXX, who worked with XXXX XXXX for some reason. XXXX XXXX collected my mortgage payments, twice monthly, from my direct deposit, assumingly to pay my mortgage off sooner. It seemed these XXXX organizations had worked together and they knew each other. To confusing for me to understand how the mortgage world works together. XXXX XXXX applied my money to principles supposedly by means of 13 yearly payments. 
I am now informed XXXX, XXXX sold my loan back to Freedom Mortgage Corporation ; I thought they owned the original loan anyway. 
I 've spent the entire day trying to figure out what is going on with my money and loan and where to make my payments. 
For some reason the phone numbers I 've had to contact these entities " XXXX, Freedom Mortgage, & XXXX '' just go back to Freedom Mortgage. The XXXX representatives I spoke to have given me the run around and are insisting I enroll and set up payments. 
That said, further research has taken me to several disturbing websites ; including the XXXX, Consent Order issued by CFPB regarding XXXX XXXX. 
I have discovered a mortgage scam. I 'm quite nervous due to calling Freedom Mortgage for my year-to-date information for XX/XX/XXXX. The automated system declares nothing had been paid, " no interest, principle, insurance, probably taxes. '' An attorney corporation involved " XXXX XXXX XXXX '' and created XXXX bi-weekly program. 
XXXX XXXX has been sued for fraud and unjust enrichment in Federal Court, XXXX, Ohio. Freedom Mortgage gave him mine as well as other victims mortgage information. 
I 'm afraid to pay my mortgage to Freedom Mortgage Corporation ( FMC ) by XXXX XXXX, XXXX, for reasons ; 1 ) The XXXX representatives I spoke to seemed to withhold information to questions I had ; 2 ) today, I received the letter of loan transition from FMC with new loan account number dated XXXX XXXX, XXXX. Though, bottom of page shows Rev : XXXX/XXXX/XXXX. 
I am a single grandmother raising my XXXX year old, with XXXX school left in my XXXX, and am employed. I have never been late or had trouble making any payments regarding anything. Have lived in my small home since XX/XX/XXXX, when I purchased it. 
My feeling is I need a lawyer especially if my money has been deceitfully been misused or stolen for months. 
I hope my crisis is considered important to your organization and will be reviewed promptly. 
Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Mortgage (Other type of mortgage) with BAYVIEW LOAN SERVICING, LLC (NY).
Issue: Trouble during payment process

Complaint: XXXX XXXX XXXX, stated they would assist me in saving my home from foreclosure, when the mortgage services fail my several loan modification requests. Dual tracking has continued practice in case, I have submitted this claim with the courts. XXXX XXXX XXXX requested XXXX down payment, however no documentation was submitted by XXXX XXXX XXXX that they were action on my behalf. Never return any of my calls. I requested XXXX XXXX XXXX XXXX due to dual tracking practices by XXXX XXXX, Bayview loan, XXXX XXXX XXXX XXXX. I been dealing with dual tracking since 2010. Would really appreciate some real help!

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Diversified Consultants and XXXX are attempting to collect money on an account that was paid and terminated. XXXX breached their contract with me by charging fees that were not allowed under our contract. I therefore terminated services with a {$0.00} balance. XXXX then tried to collect the monies allegedly owed for the remainder of the contract, i.e. {$820.00}. They have improperly reported these fraudulent charges to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company. 

It is further unreasonable that in order to find out if we were effected by the hack, they are requesting we give them our sensitive personal information AFTER we know they are not capable of keeping it secret. They should be directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2016 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: APR or interest rate

Complaint: Walmart and Sams cards are charging interest on entire balance even if had a balance of XXXX cents. The balance should be computed on the XXXX cents not the entire {$500.00} that is charging excessive interest. They are calculating the interest to make excessive profits I out over {$65.00} with this process. This needs to stop consumers pay too much interest already b

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 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Hello : Here is a concise summary of what has occurred. FromXX/XX/XXXX toXX/XX/XXXX I took out three student loans ( XXXX, XXXX and XXXX ) in the amount of {$25000.00}. In XX/XX/XXXX they were consolidated into one XXXX XXXX loan. In XXXX of XXXX I was diagnosed with XXXX. My doctor suggested that I get my personal matters in order as I would not be alive much longer. I had approximately {$20000.00} in personal debt and my student loans. So as to not leave my parents with this debt I declared personal bankruptcy. I was told by the judge that I could not include my student loans in a personal bankruptcy and would need to work something out with XXXX XXXX. After a number of conversations and completing an application including my Doctor 's signature and diagnosis, I was given a complete and total deferment of my student loans due to a permanent XXXX. I was grateful for this option. Almost 20 years later I began to receive collection notices about these student loans from various collection agencies. They were super aggressive and unforgiving. Unfortunately, I did not save any paperwork regarding these loans and their deferment. In fact, I did not keep any personal effects after my diagnosis. I was not planning on needing anything as I was given just months to live. I contested these loan collection efforts as these loans were Permanently Deferred in XXXX. My credit report suddenly had negative remarks and I am now limited financially. Loan Summary : 1 ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, {$14000.00} disbursed XXXX & XXXX 2 ) XXXX XXXX XXXX, XXXX, {$8200.00} disbursed XXXX & XXXX & XXXX 3 ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, {$2500.00} disbursed at various times. On XX/XX/XXXX I completed an application to consolidate these loans under XXXX XXXX. Thank you for your attention to this matter.

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 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: I signed up for equifax 's trustedid product. I went through the steps to active my account and then their website froze without me completing. I went back in to continue to process and the website said an account already exists and to call XXXX. I called that number. The first time I was told I would be transferred to the person to help me and was hung up. I called back and this time was told that there was nothing they could do at that number and I would have to call another number and they could not transfer me. I was given a new number to call XXXX which just rings busy. 

So now, I have an account activated with my personal information on a site that freezes and fails that I ca n't access. I ca n't get in touch with anyone to fix it and I am not sure where to go. 

I have attached a print out of the website giving me the direction to call XXXX. After calling and sitting on hold for XXXX minutes twice, I was told two different things by the reps and neither solved my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Debt collection (I do not know) with Navient Solutions, LLC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Collectors from Navient Loans have called every day for 6 months for someone named XXXX who had this phone number previously. 

Repeated attempts to explain who I am and my lack of connection to this person have resulted in aggressive tactics. I have blocked their previous numbers only to have them use alternative numbers to contact during my work hours repeatedly. 

The last number they called from was XXXX. 
Prior to this : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2015 about Debt collection (Medical) with Support Collectors, Inc. (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Need to verify debt or have removed from credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Bank account or service (Checking account) with AMERICAN EXPRESS COMPANY (VA).
Issue: Using a debit or ATM card

Complaint: Amex debit {$52.00} dollars on my account on XX/XX/XXXX for the XXXX. But the XXXX contacted me that they never got the money so I Called amex and they keep running me around with total nonsense. 
I did everything in myside and they deliberately try to defraud me by not either paying XXXX or refund back my money.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Credit card () with AMERICAN EXPRESS COMPANY (IN).
Issue: Rewards

Complaint: On XXXX XXXX, 2016 I submitted an application for an American Express Platinum Credit Card and I was subsequently approved. The basic terms of the application indicated that if I were to spend {$3000.00} in the first 3 months of having the card I would be awarded XXXX Membership Rewards points. I completed the minimum spend requirement within XX/XX/2016 and XXXX points were awarded to my account on XXXX XXXX, 2016. On XXXX XXXX, 2016 I was informed by an American Express Membership Rewards customer service representative that my rewards account had been frozen and that I would not be able to utilize my points until a review was completed. I was informed the review would take 6-8 weeks. On XXXX XXXX, 2016 I spoke to both an American Express Membership Rewards customer service representative as well as a supervisor and both informed me that my rewards account was still under review and that they had no indication as to when the review would be completed. I stated that it has been more than 8 weeks and that is beyond the terms and conditions of the credit card application that indicated points would be awarded 6-8 weeks after meeting the minimum spend requirement. As of today, XXXX XXXX, 2016 I am still not able to utilize the XXXX points in my rewards account. That number includes the XXXX bonus points as well as XXXX points that were not part of the bonus reward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/16/2017 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I contacted Experian to have the credit freeze removed from account. I was asked how long I would like it to last and I responded 7 days. The information was confirmed and then I was told that it would cost {$5.00} to complete the transaction. I asked if removing the freeze again would result in another {$5.00} charge and was told yes. I told the rep that I did not wish to reinitiate the freeze and it could be lifted permanently if a fee were involved. The rep told me it was too late and that he had already processed the refreeze. I told him you did not tell me there would be a fee to handle the transaction prior to questioning if I wanted to reinitiate a freeze. The rep said I did n't know if I could lift it until I already did it. I advised that I would be contacting the CFPB to file a complaint and asked to speak to a manager. He advised no manager available. Lifting this freeze on my credit will now cost me a total of {$10.00} of which I was not made aware prior to the processing of the order.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: I have had nothing but problems with usaa. I guess it was because I am friends and family and not linage to the military that usaa wants to treat me like dirt. I have had nothing but issues since someone stole my check book and made so fraudulent purchases. I have been in contact with usaa since and it has been such a terrible process. Then XXXX wanted to cause some problems by wanting to process a payment out of an old checking account listed with them generating two {$29.00} NSF fee 's. I never got communication that those fee 's were on there until I signed on line and seen that every dime I had in my other two accounts had been taken by usaa and suspended pending charges they assessed to be paid. When I spoke to a representative she stated sorry you have to pay the fee 's regardless or your membership will be terminated with usaa. Both my gradfathers served in XXXX and XXXX from the military and this is how I am treated. XXXX XXXX treats veterans families better. I got in to usaa when they opened everything up to friends and family and I feel like it has been discrimination from the beginning and that they treat everyone that does not qualify for full membership differently because of the stupid lineage clause. MY mom hates your company and did n't want anything to do with USAA for a reason and now I see why. So could n't qualify for full membership because she did n't want anything to do with yall. I am not sure how that is fair. But regardless I will file suit over discrimination because I am a XXXX mother and this incident was not my fault and yall have reported it to collections unfairly and It has caused my score decrease and everything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: The company FIA card services which is a subsidiary of Bank of America filed a default judgment against me for credit card debt accrued by defunct company MBNA XXXX on XXXX/XXXX/XXXX. 

I applied for and maintained a business credit card with MBNA on XXXX before the company went out of business. The debt was accrued during the year XXXX. Bank of America acquired MBNA in XXXX and this arm became FIA card services that same year. Since my debt was initiated and established during the existence of MBNA and NOT after the acquisition period, this default judgment is a direct violation of the FCRA, as FIA is attempting to collect a debt of the defunct company MBNA XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Debt collection (Auto) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: USAA WAS PAID FOR BALANCE DUE, ON MY XXXX XXXX XXXX. THE VEHICLE WAS INVOLVED IN A TOTAL LOSS COLLISION, XX/XX/2012. A CHECK TO USAA WAS ISSUED BY MY INSURANCE COMPANY, XXXX XXXX. THIS LOAN WAS NOT WRITTEN OFF!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold by XXXX XXXX XXXX to Nationstar Mortgage with one year remaining. I paid off the mortgage on XXXX XXXX, 2015 with a certified cashiers check as was requested. I have been attempting to get a filed release of lien on this property. After contacting Nationstar customer service on multiple occasions, by phone and in writing, I have still not received the recorded release of lien. I did request and received an emailed copy of the notarized release dated XXXX XXXX, 2015 but it did not have any information related to filing. The County Clerk office for XXXX XXXX does not show a filing for the release as of today ( XX/XX/2015 ). I have contracted with an attorney, who sent letters to the XXXX addresses I had for Nationstar document administration. These letters were received and signed for on XXXX XXXX, 2015. 
I need to have the filed release of lien in order to apply for a Home Equity Line of Credit on the property. On XXXX XXXX it will be XXXX months since the loan was paid off and more than 2 months since the release was notarized but still not recorded. Nationstar has not responded to my attorney yet.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Debt collection (Credit card debt) with TD BANK US HOLDING COMPANY (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: TD Bank USA, who used XXXX XXXX, and then is using Law Offices XXXX, XXXX, XXXX XXXX XXXX - who continue collection actions after a debt has been discharged by the XXXX Bankruptcy Court of XXXX ( XXXX, XXXX # XXXX ). My husband received a community discharge from the court in XXXX 2017 -- - As you may know, XXXX is where my husband lives and works and XXXX where I reside they are both community property states. In these states, property, and debt acquired during the marriage is considered the joint property of both spouses. As a result, in community property states, we each are entitled to a one half-share of all marital property and equally responsible for all community debts, also known as marital debts. When the Federal Judge closed my husbands bankruptcy case, and since we both reside in XXXX and XXXX, we are automatically protected by what is known as a community discharge. Which means that if we received a community discharge, even if my husband filed alone. The debt that was acquired during our marriage either in our names or my name or his name that discharge extends to me as well. Creditors such as TD Bank are prohibited from attempting to collect the debt from me since I share XXXX of the marital property, both presently and acquired in the future. Even after TD Bank has received many notices, and a notice from CPBD and the FDIC - they continued to send me invoices during the bankruptcy automatic stay. This community discharge only lasts for the life of the marriage. Please see section 524 of the Bankruptcy Code.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/13/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Deposits and withdrawals

Complaint: I deposited {$3000.00} into my B.O.A. acct from my trust fund on XXXX/XXXX/16. BOA placed the funds on hold until XXXX/XXXX/16. When my funds were not available to me by XXXX/XXXX/16 I called and was then informed that the hold on my funds had been extended to XXXX. I asked for a supervisor and was told that there was nothing he could do on his end that I had to wait until the following Monday and contact risk assessment. So today XXXX I have attempted several times to find a way to expedite the process of freeing up my funds ( which had been released by my trust acct on XXXX/XXXX/16 @ XXXX ) BOA risk team member named XXXX said that they had tried to verify funds but my trust account did n't do third party verifications. ( Which is completely untrue ) XXXX then told me to obtain a proof of funds letter via mail, take it to a branch bank and the bank associates there would fax it to the risk assessment team and they would go from there. I asked him if contacting my trust bank and having them fax the documentation directly to the BOA risk assessment team would be ok to which I was told no. XXXX told me that was the only way I would receive my funds before the end of the month and curtly hung up on me. I then contacted my trust/legacy bank and spoke with XXXX asking her if canceling the check was even a possibility to which she said no because the funds had long since been released. I explained what I had been told by the BOA reps to which she said that she would call them from her end and conference me in. XXXX at BOA risk management answered this time. Took down my information and when I told her that XXXX from my trust account was on the phone she abruptly said that she " would not participate in a conference call so just get the proof you were told to get. '' ( Addressing me in a very rude and dismissive manner ) XXXX ( ignoring her rudeness ) said well if I give you our customer service number will you attempt to verify the funds that way? XXXX said she would take down the number and would call to confirm the funds. Then XXXX asked her the timeframe in which she would be calling to verify the funds and XXXX said that she would neither give a timeframe or discuss the subject matter any longer and hung up on us. So here I am with a BOA account balance of $ XXXX accruing overdraft fees of {$35.00} for every 5 days my account is negative. Even though the {$3000.00} that I deposited cleared long before my account went into the red. As of XXXX XXXX my funds have not been released nor has BOA attempted to contact the trust 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