milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/19/2016 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (AL).
Issue: Settlement process and costs

Complaint: I submitted a refinance with Freedom Mortgage XXXX XXXX XXXX XXXXXXXX XXXX NJ XXXX in XXXX 2016 to convert my primary mortgage from an FHA to VA loan. Freedom Mortgage sent an appraiser to appraise my home and charged me for the appraisal and they charged numerous additional fees for the refinance process. I was told by Freedom Mortgage it would take approximately two weeks to get everything processed. I heard nothing from Freedom Mortgage after two weeks and began trying to contact them. I called the assigned rep but could get no response. On XXXX XXXX I did contact XXXX XXXX, Assistant VP of Sales and he requested a credit card number and a XXXX -- XXXX of which I provided. XXXX XXXX then charged additional fees and immediately became unresponsive. 

I managed to contact a XXXX XXXX XXXX at Freedom Mortgage on XXXX XXXX and he stated he 'd get the process resolved. After numerous calls and messages, XXXX XXXX referred me back to XXXX XXXX -- who has remained unreachable. I have requested Freedom Mortgage complete the process and/or refund all the fees collected so I can get this processed elsewhere but Freedom Mortgage has refused to do either. I believe Freedom Mortgage has charged fees in excess of the VA allowance and has no intention of processing the refinance or returning the money.

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 12/14/2017 about Checking or savings account (Other banking product or service) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Law firm illegally removed funds and placed hold on remaining funds in 3 of my Bank of America accounts. Two accounts were IRA and XXXX rollover accounts and the third was my personal checking account. This will, also, affect my taxes due to the IRS for XXXX. 
There was one non-refundable processing fee. I am involved in guardianship case # XXXX in XXXX County, XXXX, Texas in XXXX XXXX XXXX 's probate court # 2. He did not authorize this action to be taken by the attorneys so I assume bank was given fraudulent documents by attorneys of the XXXX XXXX, XXXX XXXX XXXX, specifically being XXXX XXXX XXXX and XXXX XXXX XXXX who represent my brother XXXX XXXX XXXX who opposes me in guardianship case of my mother XXXX XXXX XXXX which he filed application for XXXX/XXXX/XXXX. I filed for guardianship in XXXX XXXX and this law firm has since that time waged an unethical, illegal campaign of retaliation and ongoing witch-hunt against me for their stated purpose of wearing me down by taking funds I need to hire legal representation for myself and cause me to fear lack of funds to even pay for my and my family 's basic needs such as food, clothing, bills, etc.

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 non-monetary relief
Consumer complaint received 02/28/2017 about Consumer Loan (Vehicle loan) with FORD MOTOR CREDIT CO. (MN).
Issue: Managing the loan or lease

Complaint: I acquired an auto loan in XXXX, had perfect pay history until XXXX in XXXX I had a catastrophic event happen to me which rendered me completely XXXX, while waiting for my XXXX to be approved I fell behind in some car payments, once it was approved I paid in full on XXXX/XXXX/XXXX the back amount that I owed and from that day forth never missed or was late with another payment. Loan was paid off on XXXX/XXXX/XXXX. My complaint is that the company I had this loan with never reported my perfect pay history from XXXX/XXXX/XXXX - XXXX/XXXX/XXXX, thus robbing me of good credit on my credit reports instead showing just C/O during these four years.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I called my mortgage company to re-fi they told me I was not reported as paying on time on my credit report. I asked them to please correct that as they are my mortgage company and they can see I have never been late or missed a payment in the entire 6 1/2 yrs that I have had a mortgage. They confirmed that was correct but said it was in my bankruptcy from 3 yrs ago. I said if that was so why would I still be paying it and living here. it makes no sense. They want me to hire a lawyer and re-open my case, I spoke with a lawyer and he said they have the power and the duty to report correctly to the credit bureaus that the mortgage is active and open and payed for on time, 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 08-11-2017 about Debt collection (Other debt) with Trident Asset Management, L.L.C. (MD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I noticed in XX/XX/XXXX that Trident Asset Management added an account for XXXX to my credit report. I contacted XXXX and they stated that the account was sold to Trident Asset Management. The charges were for un-returned XXXX XXXX equipment. I moved from XXXX County Maryland to XXXX County Maryland in XX/XX/XXXX. My XXXX XXXX equipment was returned to XXXX via XXXX in XX/XX/XXXX. XXXX states they can no longer view my account in their system and can not assist with the tracking of my returned equipment. I have disputed this account several times with the 3 credit bureaus to no avail. Trident Asset Management continues to verify the debt is valid. To this date, I have never received a bill for equipment from XXXX or Trident Asset Management. I have pleaded with both organizations to assist me in tracking and both continue to ignore me. My credit score has been damaged severely due to Trident 's re-aging of the account and unwillingness to address and obvious error on XXXX 's behalf. Trident has chosen to update my credit report to reflect that the " open date '' is XX/XX/XXXX. I have a previous credit report that clearly states the account charges originated in XX/XX/XXXX. Please help ... I just want justice for a debt i do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Mortgage (Home equity loan or line of credit) with Shellpoint Partners, LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I owned my home for approximately 19 years when it foreclosed in XXXX 2014. However, the decision is not yet final as the case has not yet completed the redemption period and I am filing this complaint to let the CFPB know that along the way I was scammed ( XXXX individual was actually on the news a few month ago and he was indicted for mortgage fraud in XXXX XXXX ... ... .he was XXXX of the persons who handled my loan! ), encountered gross negligence or not provided the services that I paid for at various entities. For your information, this home equity loan was originated by XXXX mortgage then sold to XXXX then acquired by XXXX XXXX XXXX and then eventually serviced by XXXX Servicing. Other entities that contributed to my misfortunes included a financial counseling agency and a law firm that took a lot of money from me ( with large up-front fees ) without assisting me in any meaningful way! Lastly, my dilemma culminated with being assigned to a Judge in the XXXX XXXX XXXX in XXXX County, Florida who had been arrested herself for XXXX and she had been recently reassigned from the XXXX Division to the XXXX Division. It appeared that she had no desire to hear the merits of my case and basically told me to " sit down woman '' and then proceeded to immediately deny the motion to set aside foreclosure sale and vacate final judgment. I never had a chance to show the valid reasons as to why the sale should not have gone through!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Debt collection (I do not know) with Webcollex, LLC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been receiving calls from XXXX repeatedly at my employer and on my cell phone. 

This person does not identify themselves, they simply say that they are trying to collect a debt. I have asked them repeatedly to stop calling and they continue. 

They have not said who they are, who they are collecting for and what company they are calling from. 

I googled the phone number and see many complaints about the same experiences I am having. 

I have no outstanding debt in collection and believe they are phishing for personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: I would like to file a complaint against Navient for harassing me. I have repeatedly tried to lower my payments with no help so I pay whenever I can and it has not even been a month ( last payment was XXXX XXXX XXXX XXXX since my last payment yet I am still getting up to 8 calls and 2 emails a day.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Mortgage (Conventional home mortgage) with The J. G. Wentworth Company (MD).
Issue: Closing on a mortgage

Complaint: JG Wentworth ( mortgage broker ) offered a 20 year mortgage refinance at 3.49 %. Just prior to closing, I was given a final loan package to review which indicated that I would need to bring {$3000.00} to close with my new loan payments set to begin in XX/XX/XXXX ( I did not wish to " skip '' a month of payments in the new loan ). I also discussed the cash to close amount with the loan officer XXXX XXXX. Finally, I made preparations with my bank to have these funds ready for closing. The loan closing was pushed back a couple of days, for unclear reasons on the lender 's side, and I was scheduled to close on XX/XX/XXXX. At closing, when reviewing the documents, it appeared that the entire prepaid/escrow amounts had changed as did the plan for me to begin payments in XX/XX/XXXX.I moved forward with signing the paperwork ( with knowledge of my right to rescind ) and contacted the XXXX and her supervisor XXXX XXXX . Per the loan documents, the first payment was pushed back to XX/XX/XXXX ( without my notification or approval, resulting in additional interest prepaids being due at closing ), the 6 months of property tax escrows were moved to prepaids and 2 additional months of escrow were added. As a result of these last minute changes being made ( without my review, approval or notification ), the closing amount increased significantly to {$5100.00}. No clear explanation was given despite my speaking with the loan officer and her supervisor. I requested that they honor what had been offered to me. They continued to tell me how it was in my best interest to close the loan given the fact that rates had increased. I was offered {$450.00} off of the closing amount. I asked for them to fix the paperwork to reflect what I had agreed to and allow me to close prior to my rate lock expiration XX/XX/XXXX or to extend the rate lock x 2 weeks to allow time for their paperwork to be corrected. I reached out to the XXXX XXXX ( supervisor ) and requested that I be contacted regarding the plans for my loan. Absolutely no attempt was made by JG Wentworth to remedy this issue prior to loan rate expiration. It also appears that they have blocked  my access to the online portal containing all of my documents related to this loan. I was able to download the documents to substantiate my complaint prior to this action being taken.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Credit card () with DISCOVER BANK (NY).
Issue: Other

Complaint: Discovery Bank appears to be using the same tactics that XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX are accused of in the current lawsuit in Federal Court. 

Judge XXXX XXXX XXXX, who is presiding over the cases, has repeatedly refused the banks ' requests to throw out the lawsuits. In XX/XX/XXXX, when he refused to dismiss the case against XXXX, he said, " The complaint sets forth a cause of action that XXXX is using the inaccuracy of its credit reporting on a systematic basis to further its business of selling debts and its buyer 's collection of such debt. '' Highlighted below are Discover Bank 's tactics to use inaccurate reporting to facilitate penalizing the consumer. 

1 ) reporting missed payments after the account was charged off 2 ) reporting XXXX % credit utilization after account was charged off 3 ) reporting 31 90 day late payments in status 4 ) refusing to correct these errors after multiple attempts through all XXXX credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This is the 2nd time I have filed a complaint against Transunion. As usual the first time they did NOTHING that I requested for dispute resolution when I contacted this agency. All I asked for a reset of the credit history, since I knew they were violating US law. 

They did NOTHING of the sort and I know they did n't check all of the disputed items You got played like a fool but hey whats that saying good enough for government work? They sure did n't delete, anything acknowledge anything, nor erase what I asked them to as a clean credit history.

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 03/20/2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (TX).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: From XX/XX/XXXX to present, they have called repeatedly after I requested them to stop calling. These include two phone calls at XXXX on XX/XX/XXXX and XX/XX/XXXX. They also have made false and misleading statements.

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 08/18/2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a XXXX Cancellation of Debt form from Chase for tax year 2012. I paid income tax on their write off. However, they are still reporting my account as " charge-off '' and it is still effecting my credit score negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have signed up for college back in XX/XX/2012 my loan was supposed to be sent back because I had dropped my classes due to my mother died they said they would send my loan back to the sender and never did so im payXXXXfor a loan that i have never seen in my life i got to use my free grants so how do i have to pay back a loan i never recieved.. I 'm on XXXX I am XXXX I try everything to get my loan dismissed and they wo n't they keep harassing me I am in hardship for a loan I never got as I was scamed by the school I went to I dropped my classes way before the school had got a loan for me that I never needed I had free grants I went to school not even 3 weeks so this place is taking advantage of me advanced other people who have advanced XXXX or who is injured I want to file a lawsuit against them I been harassed for way to long it 's nothe rite they done this to me for XXXX dollars really that I never had gotten crazy if you askin me I think the school acjhould have to pay the money back the hey received it not me I am not going to pay back a debt I never seen in my life and also the school was closed down awhile ago is n't my loans supposed to drop because of this

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have sent several letters to Equifax asking for the information to be corrected on my report. After several attempts and Equifax claiming the item has been verified as reporting correctly, I sent certified letters asking the item be removed for incorrect information being reported that is damaging to my financial reputation. The car was picked up by the dealer on  XXXX / XXXX /  XXXX   and account in question has been closed since  XXXX / XXXX /  XXXX  . The creditor continues to report an open account that is not being paid. The dealer took the collateral in exchange to clear the debt. This account is settled in full.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i am constantly and have been constantly disputing this account with this company for inaccurate reporting because they debt their reporting does n't belong to me. i am getting frustrated and i need this to stop. i will not pay for an account that is being reported inaccurately, that 's a scam and i 'm so tired of this company and their aggressiveness about getting me to pay for something that i have no attachments too. i 'm about ready to file a law suit, their reporting inaccurately and bullying people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-03-2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Application, originator, mortgage broker

Complaint: First let me say, I have always paid for my homeowners insurance personally. It has never beenescrowed with any bank. My insurance policy stated the XXXX Lender was the XXXX lienholder, and they are still the XXXX lien holder. This can be verified with the XXXX XXXX XXXX XXXX XXXX Florida. Their phone number is XXXX. 

Bank of America has attempted to foreclosure on the XXXX lien, however they lost in the lower court arecurrently appealing that decision. They transferred the XXXX lien out of their name and into the nameof XXXX XXXX, on XX/XX/XXXX and therefore have no interest in the XXXX lien. InXX/XX/XXXX they notified my that they were no longer going to be the servicer for the XXXX lien and thatthey were transferred the servicing rights to XXXX as of XX/XX/XXXX. 

On XX/XX/XXXX Bank of America sent a letter to XXXX XXXX XXXX XXXX, requesting themto change their records to show XXXX Mortgage XXXX as the XXXX lien holder on my insurancepolicy. 

My issues are, Bank of America, currently not having any interest in the XXXX lien and having no interestleft in the XXXX lien, has authorized a change in my homeowners insurance, to reflect the XXXX lienhold to be a mortgage servicer/debt collect, for a lien transferred to someone else three years ago. Bankof America can not require my insurance company to alter my policy for the benefit of a company thatonly they have knowledge of.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2015 about Consumer Loan (Installment loan) with Duvera Billing Services, LLC (CA).
Issue: Problems when you are unable to pay

Complaint: I had some work done on my car XXXX/XXXX/15. 3 days later on XXXX/XXXX/2015, I was admitted to the hospital XXXX. I contacted Duvera Financial in XXXX, CA, to let them know right away, I would be XXXX and i Asked if it would affect my contract. I was told everything would be ok, due to my XXXX condition. I may only have a late fee of {$10.00} attached to my acct. NOT that I owed the Full amount of {$2800.00} on this contract, due to this 189 % interest rate, which I only had {$1200.00} worth of work done on my car. Why am i Paying an additional {$1600.00}?!? Otherwise, I could of made plans or had someone loan me the money to avoid paying this high dollar amount. I had previously done business with this company, and paid them off twice in 90 days to avoid these astronomical fee 's. I have now paid up to {$2000.00} and I just want this to be over. ; ' ( ( ( NO COMPANY should be able to charge an interest rate so high, when the economy is Not even Financially stable. ) ) This is ridiculous! I feel like i 've been punished twice, from being stuck in this contract and for being sick.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Debt collection (I do not know) with Oracle Financial Group LLC. (KS).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: We have been receiving threatening phone calls from the Oracle Financial Group not for a debt we owe rather for failure to pass information on concerning a family member.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: XXXX/XXXX/XXXX I was not notified by a friend to log in at Equifax to find out if I was XXXX of the people whose information was hacked at Equifax. After logging in last night at Equifax and learning my information was compromised I spent the whole day on the phone and online trying to get information and get a credit freeze. First I tried the phone- hours and no getting through. Online at Equifax there was a continuous loop of going nowhere. The online questions about my past phone numbers that I could not remember blocked me out from freezing it online at XXXX. I was only able to freeze my credit with XXXX XXXX. XXXX response if non-existent. I have spent the entire day so far trying to freeze my credit. Why is this all on the consumer? The stress of having all my information hacked with no help is infuriating!!!!!

Company response to consumer: Closed with explanation