milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-12-2017 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I am in the process of a deed in lieu foreclosure with Freedom Mortgage company. We were told XX/XX/XXXX that we qualified for this type of foreclosure and that the final paperwork was in the mail for signatures. Weeks passed with no word from Freedom and no papers in the mail. I called XX/XX/XXXX to let them know the paperwork never arrived. At this time I was told that Freedom could not proceed without the DMV title. I informed Freedom that there is no DMV title, as it is not a mobile home. It is on a brick foundation not on wheels. We informed Freedom further that we have a VA loan and VA loans can not be obtained on mobile homes, the home has to be on an actual foundation. Therefore this should n't even be an issue. Today Freedom said that the 'title ' says its a mobile home, and that if it is not a mobile home then I need to go to the DMV and fix it. There is nothing to fix at the DMV nor can the DMV give me any paperwork because there is no title, there never was a title because it is not a mobile home. I also asked if they have a so called 'title ' why did they ask me for a title XX/XX/XXXX? No one could answer me. Ive been transferred all over to various Freedom employees and no one can help me because it is underwriting who makes the decisions. The people that speak to me are only relaying what underwriting says. I am also told that it is impossible for me to speak with underwriting. Freedom refuses to finish the foreclosure because of the 'missing title ' which does n't exist. I am unsure how to proceed as I can not produce paperwork that never existed to begin with. Freedom also did n't have the title when they obtained our loan from a different company, nor when they refinanced us from an arms loan to fixed rate loan a few years ago. It is my understanding that if a title existed for our home they would have also needed the documentation at those times. They could n't have had it either of those times either since it does n't exist and I did n't provide it. There was also no title exchange when we bought the home, nor the owners before us, nor the owners before them ( we 've gone through the real estate records trying to find it ) All this is on top of spending over a year trying to sell our home via short sale. Freedom refused to process our request for short sale. They repeatedly lost paperwork and sat on paperwork until it expired, dragging out the process so long that we lost our buyers. After loosing our buyers we decided to just turn over the property and accept the financial repercussions. This whole process has been going on for almost two years and ruined our financial standing all we want is for Freedom to take the property and let us move on.

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 04-12-2016 about Debt collection (Medical) with ATG Credit, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: the Hippa law as been violated as my medical information has been made public to my credit report agencies. This is a violation of my privacy.INCLUDED IN BANKRUPTCY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Mortgage (Other mortgage) with RoundPoint Mortgage Servicing Corporation (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I obtained an FHA mortgage in XXXX through XXXX Bank. who then sold it to XXXX XXXX XXXX. While my loan was with XXXX XXXX XXXX as the Lender and Servicer, I became unemployed, XXXX and unable to keep up with payments. I applied for a Loan Modification back in XXXX. Went back and forth for over a year. Then suddenly there was a new servicer, Roundpoint. They told me that I no longer had an FHA mortgage, it is now Conventional. I was never made aware of the change. During this change, I was in the process of applying for the Making Home Affordable program. I was recently told that I am not eligible for any Government programs because my loan is now owned by a Private Investor. " XXXX XXXX XXXX XXXX XXXX '' XXXX " XXXX XXXX Roundpoint finally approved me for a modification but my monthly payments went UP. Now I reallly ca n't make payments and I 'm afraid I 'm going to lose my home. PLEASE HELP

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 06/20/2016 about Credit card () with SYNCHRONY FINANCIAL (TN).
Issue: Closing/Cancelling account

Complaint: This account is with Gap/SYNCB. I have never opened this account and it has a pay history. I want it removed and they have not. Please have it removed as I am a victim of identity theft.

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 03-12-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: My car was broken into and my wallet and debit car was stolen. I found out it was broken into at XXXX XXXX   and by XXXX XXXX  I went online to canceled and close out the card and order a new one. it was successful. Then less than an hour later they allowed someone to use the card at more than 5 locations. It was only after i went into a branch several hours later to order a temp card that the bank rep asked me to review the charges and i discovered the 5 charges after i closed the card out. Then the bank ask me to wait a few days before i can make a claim and without use to my funds that they allowed to be stolen

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 07/17/2017 about Debt collection (Credit card debt) with BTH Management (OH).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: I have a a unverified account from PLAZA SERVIC. I had previously disputed this account. I have never done business with PLAZA SERVIC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that PLAZA SERVICProvide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PLAZA SERVICE Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Credit card () with Financial Credit Service, Inc. (PA).
Issue: Customer service / Customer relations

Complaint: I was contacted yesterday XX/XX/XXXX on my business phone from a debt collector XXXX ( assest recovery services ) at XXXX I spoke with XXXX in legal dept after XXXX called my business phone and left a message saying that I had a legal claim against me. I called XXXX back and she put me through to XXXX. XXXX advised me that there was a debt owed to XXXX bank in my previous name that I have not held in 15 years. He stated they were perusing a law suit in XXXX XXXX against me for {$4000.00} for a credit card that had a date of first delinquency XXXX and was charged off in XX/XX/XXXX. I have no knowledge of this debt. He stated that he had sent a letter to my home in XXXX offering to settle the amount for {$1800.00}. I advised him this was not my debt and told him it was likely my ex husbands debt. He gave me my ex husbands name and said he had been contacted but had bad credit so there was no point in them going after him and that I had good credit which is why they are coming after me for this debt. He then told me he was not getting into a finger pointing session and told me they were going to take me to court get a judgement and garnish my wages. He told me they were already verifying my employment so that they could do this. I became very upset. I told him I needed to gather information about this and I would call him back. I called back and he was unavailable. I asked him to provide me with a copy of my signature on the original credit application, copies of the statements with my signature and where the purchases were made. I asked for the case number and everything he told me on the phone to be put in writing. He called back and asked me to return his call, which I did. At that time I recorded the conversation and advised him of such he became hostile and said I did not have his permission to record him. He also told me he refused to provide me with any information on the debt, I had 7 years to clear this up and they were moving forward. I advised him if they took out a lawsuit I would counter sue them, he hung up on me. 

I was harassed at my business, threatened with legal action if I didnt pay the debt right away. They have continued to contact me via mail after I asked them in writing to no longer contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2015 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Unauthorized transactions/trans. issues

Complaint: For some time, I have been having tremendous problems with American Express Serve I can not get anything put into dispute, no matter the situation. The customer service representatives are rude, disrespectful, and adamant about not doing their jobs, despite the fact I am NOT being rude to them. For instance, day-before-yesterday, I called to put some items in dispute - charges I did not recognize. I spoke to XXXX, who immedIately said she would review my account. Go over the entire account! Huhn!!!! Just because I wanted to dispute items? What does one have to do with the other??? She was disrespectful - and told me she needed to transfer me to account protection. XXXX is a supervisor. You 're telling me that she does NOT have the power to dispute charges and needed to transfer me? I want HER FIRED, because of rudeness and dereliction of duty! I want the abuse from Serve to stop. I have already made the decision to leave and are waiting to get my new pre-paid card.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (IL).
Issue: Managing the loan or lease

Complaint: Honda Financial services Illegally submitted Double car Payments and unauthorized to thousands Of its customers since as early as per some customers say since XXXX XXXX and Honda Financial services Knew and until today XXXX/XXXX/16 I was victim of such act and it was personally taken out illegally form my bank without Permission or authorization. I trusted My bank information on there site and Never agreed to auto pay, easy pay.. I solely Left that information so when I want to pay future payments and the information was stored. leaving I thought it was safe with a company so big to leave my bank information. I have lost all trust. This also created alot of problems when I was declined at animal Hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: After survivng Hurricane XXXX and XXXX oil spill, predatory company LVNV Funding LLc sued me, won and now garnishing my paycheck for $ XXXX/month. They stated that they bought a 15 year old XXXX XXXX credit card debt that I was paying every month. Because I refused to pay them three times what I was paying XXXX monthly, they hired a local attorney and sue me in XXXX XXXX Court. 

I missed the court date and could not afford an attorney because of work. So, the judge favored them without my defense. 

What can I do to stop this illegal action?

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Mortgage (Other type of mortgage) with Ditech Financial LLC (PA).
Issue: Struggling to pay mortgage

Complaint: 2ND LIEN MORTGAGE WAS DISCHARGED AS AN UNSECURED CREDITOR IN XXXX BANKRUPTCY IN PENNSYLVANIA. MY HOMES CURRENT VALUE IS JUST ENOUGH TO COVER MY 1ST LIEN MORTGAGE. I DONT WANT TO LOSE MY HOME SO I CONTINUED MAKING THE PAYMENTS TO DITECH ON THE 2ND LIEN MORTGAGE SINCE THE MORTGAGE WAS DISCHARGED BUT NOT THE LIEN. I HAD ASKED THEM TO PLEASE LOWER MY CURRENT RATE ( 14.50 % ) SO MY PAYMENT WOULD NOT BE SO LARGE. THEY SAID THEY COULD NOT MODIFY MY MORTGAGE LOAN BECAUSE THE DEBT WAS DISCHARGED. SINCE XXXX AFTER THE MORTGAGE LOAN WAS DISCHARGED I HAVE PAID {$29000.00} TO INTEREST AND {$3700.00} TO PRINCIPAL. THE PRINCIPAL BALANCE IS STILL {$29000.00}. KNOWING THE DEBT WAS DISCHARGED I FEEL THEY COULD HAVE ASSISTED ME BY LOWERING THE INTEREST RATE OR WAIVING ALL LOAN INTEREST. IF I DO N'T CONTINUE PAYING THE DEBT THEY CAN START THE FORCLOSURE PROCESS EVEN THOUGH THERE IS A 1ST LIEN HOLDER. <P/>I WROTE ANOTHER LETTER ON XX/XX/XXXX ASKING FOR A SETTLEMENT OFFER TO REMOVE THE LIEN. STILL NO ANSWER. CAN YOU PLEASE HELP ME WITH THIS SITUATION?

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA).
Issue: Fraud or scam

Complaint: Money transfer MONEY GRAM reference number XXXX, made in XXXX/XXXX/16, I request cancelation of this for {$650.00}, is XXXX/XXXX/16, they do n't refund my money to my debit card, I call they say was already credited to my account, I check to the bank online shows no credit, the money gran agent said, now my problem is with the banck, IM NOT agree with that, is bad service, this is not ok, they took your money in minutes then refund take long days, please investigate this..thanks

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (MO).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Hunter Warfield, in response to my first CFPB complaint, presented incomplete verification and falsified statements ( claim that they provided me with signed documentation ) for my obligation and completely ignored the original problem which is their failure to provide me with proof that I owe this debt. I attempted to handle this matter via phone the first time it appeared on my credit report and was met with rudeness and unprofessional behavior. They failed to provide documents to me when I requested them over a year ago, removed the item from my credit report, THEN re-inserted it in XX/XX/2017. They have provided no proof that they complied with my request for validation and claim to " verify '' this debt via CFPB by providing an illegible copy of a contract from another creditor. At the bottom of a list of false charges from the original creditor, it states that the original creditor has written off the debt. Therefore, since I have signed no contract with Hunter Warfield, and the original creditor has written off the falsified charges, I have no obligation to pay Hunter Warfield or their inflated charges. In addition, they violated a cease and desist letter which clearly stated communication must stop and no damage was to be done to my credit report because they failed to prove my obligation and I do not owe this debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (DE).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: This debt has exceeded the Delaware statue of limitations for collecting on a debt. The original debt is, I believe at least 10 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (VA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: We were offered over the phone a deal on 0 % balance transfers. When speaking with the representative, I specifically asked about future purchases on the card and if that would affect the 0 % interest on the balance transfer. I was assured it would not affect it and that we could make additional purchases without imperiling this deal. We were then charged interest on the additional purchases even though we made a payment, because they applied the payment to the balance transfer and not new purchases. What this does is essentially force us to pay down the balance transfer immediately to avoid interest on the new purchases, defeating the purpose of the deal. When we contacted customer service, they said this language was in their fine print, which was not told to us over the phone, and that we should not use the card for additional purchases, which again was not mentioned by their agent. This is essentially a bait and switch, leaving out very important information in their sales pitch, greatly affecting our financial situation.

We transferred the balance of {$11000.00} on XX/XX/XXXX and contacted the company on XX/XX/XXXX for the {$26.00} which we are now going to be charged monthly as interest on the new purchases

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DE).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: My minor daughter is an authorized user on my credit card, and her credit card company reports her activity to the three credit bureaus. According to Equifax, her personal information was exposed during their recent data breach. However, when I attempted to sign her up for the advertised free data monitoring, the Web site refused, stating that " Equifax does not typically have information associated with minors. '' ( https : //www.equifaxsecurity2017.comXXXX ) I received the same information from the call center.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have disputed three times with XXXX and equifax that XXXX has a secondary account reporting to my equifax credit report. I also recently sent out a 609 letter via certified mail. I only have one account with XXXX. This account has a high utilization and is bring my credit score down. The amount on the account is {$250.00}. This in incorrect. The incorrect account was last reported on XXXX XXXX, 2017. The account contains 5 missed payments as well. I would like this account removed. My target account that I own has a reporting balance of {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I modified my loan, i sent payment on the new loan per their request, not till much later did I discover Bank of America and the serving lender incorrectly applied two payments to the old loan. They now they claim I 'm 60 days late.

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 09/17/2016 about Consumer Loan (Installment loan) with Mobiloans, LLC (VA).
Issue: Problems when you are unable to pay

Complaint: I would like to make a complaint against Mobile loans. I have paid this company over {$3000.00}. I am being charged a fixed amou t of {$73.00} every two weeks. I have co tacted this company to request a deferment or a settlement. I am drowning with these online lenders requesting help. All.of my payments are being applied to i terest

Company response to consumer: Untimely response
Consumer complaint received 03-06-2017 about Debt collection (Non-federal student loan) with TRANSWORLD SYSTEMS INC (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I filed a complaint and received my response. In it included only XXXX photo verification of a returned cash check of the loans they claim they owe. There are XXXX total loans. I would like to know why I only received a photo of XXXX of the cashed returned checks on the loans. I would like to receive the other XXXX to verify that this is legitimate. I dont understand why they would not include all XXXX to begin with. I am very concerned that all of these loans are not legit and that I never cashed the checks for them in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Credit card () with CITIBANK, N.A. (NY).
Issue: Transaction issue

Complaint: On XXXX, I did a balance transfer of {$15000.00} online using my credit card on Citibank website for a {$450.00} fee. However, on XX/XX/XXXX, the full balance plus interest was paid off automatically instead of just the minimum due being paid. The amount was paid off from another bank account. Even though the amount was bounced due to insufficient fund, Citibank tried multiple times to withdraw the fund in the next few days and overdraft fees were charged multiple times. I realized about the error and called Citibank on around XXXX XXXX and they promised to provide me an adjustment within a few days. I did n't hear anything and called back on XX/XX/XXXX, the representative promised to refund the money within 10 days and sent me an email for record. I did n't receive the refund after 10 days and called back on XX/XX/XXXX and on spoke with Customer ID XX/XX/XXXX, she says that I 'll get a refund in XXXX business days. After not hearing anything a few days, I called again sometime in XX/XX/XXXX and got the same response. I called again on XX/XX/XXXX asking to be transferred to a supervisor and the supervisor mentioned that the money will be in my account by XX/XX/XXXX. Currently I still have not received the refund and it has been 2 months. I would like to make a complaint and hope to get this issue resolved. 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 monetary relief