milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/25/2017 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (WA).
Issue: Trouble during payment process

Complaint: I am trying to make my  XXXX  payment but Freedom Mortgage is refusing to apply the late Fee 's I have paid correctly, they are holding the money as stated by them. I have the Money for  XXXX  and  XXXX  but I refuse to pay the ext ra 5 late paym ent 's when I have already done so, they refuse to apply to my account and are trying to extort an extra  XXXX  dollar 's that I should n't have to pay. Every time I call them they make up a different story as to why they refuse to apply the late payment 's, I was current as of   XXXX   17  and they said they would apply the late payments once I was current which is a lie sense I was current on  XXXX 17. They keep making a reference to a fee that they say was wave in  XXXX  which is also a lie as I made a deal with their customer service if I post dated a payment they would charge me a  XXXX  dollar Fee instead of a  XXXX  late charge as stated by their customer service rep. When I asked them to give me the recording of the call where I agreed to pay the  XXXX  Charge instead of the late fee they refused to get me the call. Freedom Mortgage is basically trying to force me out of my loan and not except the correct payments. I believe they make up policy 's when ever they feel like it, why was n't the late Fee 's applied when the loan was current on   XXXX  17. They should be investigate for fraudulently keeping the late fee 's and not applying them correctly it 's a scam to get extra out of people they are illegally holding money to force my loan into default, when I am willing to make the  XXXX  and payment with out the extra late fee's.Customer service is just rude and has no desire to find any kind of resolution.

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 08/28/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Account opening, closing, or management

Complaint: i went to bank of America and was not treated with dig nity and respect. I did n't get anything resolved, and as I was talking to the representive and when another rep presentive came up and stated that her XXXX app ointment was there and it was though I did n't matter. 
As a consumer customer or client of bank of America I did n't matter. I was put off as though her appointmen t was more then I was and at that point I left bank of America without my issue resolved or answered. 
plus money was token out of my account and that I was being charged for over draft protection and XXXX hen I was told that my over draft protection would be free and that my monthly withdraw out of my checking account into my savings of which had been changed from out of my savings, into my checking. when that was n't my agreement of my contract.

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 09/29/2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NY).
Issue: Struggling to pay mortgage

Complaint: I had a FHA Mortgage and was doing a Short Sale with XXXX XXXX. My loan number with XXXX XXXX XXXX was XXXX and my loan number with Carrington Mortgage is XXXX and the property address is XXXX XXXX XXXX, XXXX, NY XXXX. 

The Real Estate Broker sold the property for {$240000.00} to a cash buyer ready to close but XXXX XXXX XXXX sold the property to Carrington Mortgage for {$680000.00} instead. 

XXXX XXXX and XXXX XXXX who work at Carrington Mortgage changed the lock on the house and lock the owner out of his house.XXXX XXXX tried to bribe the homeowner by promising to give {$10000.00} to the homeowner if he would sign the deed transfering the house to him.I have the email to prove it. 

Recently, XXXX XXXX broke into the house and renovated the house and listed the same house for XXXX This house is still owned by XXXX XXXX according to the property record.XXXX XXXX and XXXX XXXX should be arrested today.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with fraud alerts or security freezes

Complaint: Yesterday, XX/XX/XXXX, I, XXXX XXXX, verified via Equifax website that I my personal information had been compromised as part of the Massive Hacking of their systems that started, according to your disclosures, in early XX/XX/XXXX. As per their advice, I sought free enrollment in the Trusted ID program. Yesterday, I was informed via Equifax website that I would receive an Email and enrollment instructions. Today, XX/XX/XXXX, I received those instructions in my in-box. I was instructed to submit the last 4 digits of my Social Security Number and Date of Birth. I did this and the system accepted this information but never moved on the the next page of the enrollment. I backed out and tried to enroll again. I was informed by the website that I had already enrolled and to login. I have never submitted a password or user name to your service in connection with this hack so i can not log in to the service. I then tried to change the password and was asked to re-enter the last 4 digits of my social security number and my Date of Birth. I did this and received the message back that the information I just submitted did not match their records. I was advised to telephone customer service in the message. I have now been calling customer service for hours. The line is always busy. I can not get through to them and have mailed a letter. meanwhile I fear my identity has been stolen since I it appears someone other myself has enrolled in the service.

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 EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: charged off in bankruptcy ; no longer obligated to this debt

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I opened a new credit account with American Express about two months ago, responding to an offer for " Interest Free Use and Balance Transfer '' until XXXX ( 18 months ). I processed a balance transfer and made a couple of purchases. When the statement arrived, there was interest charged. I contacted American Express immediately in XXXX. On XXXX XXXX, they admitted via message in writing that they had " a technical issue occurred at our end due to which all impacted card members ' accounts were charged interest erroneously '' but " our dedicated team is working on this known issue and account will be remediated ''. On XXXX XXXX, they wrote " We have now started taking corrective actions. '' and " You will see a credit of the interest charges issued in XXXX automatically. ". THIS HAS NOT HAPPENED. Unacceptable delay for a company of this stature. I have contacted them several times, and each time they acknowledge the error and promise to fix it, with no result.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-04-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (PA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I applied for a  Wal-Mart c redit card through Synchrony Bank on or about  XXXX / XXXX / 2017 . The application was denied a nd one of t he reasons stated was that the  credit score o btained from  XXXX  was  XXXX . I visited the  XXXX   XXXX  site and paid {$20.00} for my score and it was  XXXX . That is a discrepancy of  XXXX  points. I immediately called  XXXX   XXXX  and they were unable to explain the discrepancy and indicated that the bank must have their own scoring system. Although this was not stated in the rejection letter. I find it curious that my husband recently applied for  a Lowe 's card  through the same bank and was approved seeing as we have been married for 23 years and hav e the same credit history. I e-mailed a complaint to Synchrony asking for an explanation as to the credit score discrepancy but have not received a reply. If the credit scores of the major credit bureaus are not actually use d by anyone I think consumers have a right to know that.

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 08/29/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (FL).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: Hi, I write to you, because I have ran out of options. I have tried contacting Coinbase over 9 times via email and over there XXXX customer support. They have a telephone number but its completely useless. There customer service is the worst Ive ever seen. They are a cryptocurrency exchange company, one of the biggest in the world, but in my opinion they are committing fraud on hundreds of people. And they get away with it because of there terrible customer service. I started investing with them in XX/XX/XXXX, I invested in XXXX and XXXX currency. I have invested over {$1000.00} with them, but on XX/XX/XXXX, I traveled to XXXX for vacation, and all I did was open there app to check the value of my coins, and pfff just like that, as soon as I arrive to the states which was on XX/XX/XXXX, they had blocked my account because of my travel to XXXX. Account has been blocked for 2 months, and there is no help in sight. They always come back with the same response, we are working on it with a specialist. Really?? For 2 months?? This a multi million dollar company, and what they are doing is fraud. I have over {$1000.00} invested and in XXXX day they stoled it from me. its not right. It does not take 2 months to unlock some ones account, for something so stupid like traveling to XXXX. and like me, there are hundreds of people, and the only people getting there account open are people filing a lawsuit. I ask for you help, because I guess im a small fish in a large pond, and I do n't know what else to do, besides filing a lawsuit or traveling to XXXX XXXX and knocking on there door. The current value of my currency are close to the {$1500.00} mark. It fluctuates on a daily bases. All I want is my account to reopen and I have access to it. I understand you guys are extremely busy, but I beg of you for your help. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Mortgage (FHA mortgage) with RoundPoint Mortgage Servicing Corporation (GA).
Issue: Trouble during payment process

Complaint: In XX/XX/XXXX I changed my mortgage insurance company from XXXX to XXXX. I was told once I receive the check from XXXX XXXX XXXX, send it to the Roundpoint mortgage company. If I did n't I would get a penalty. I received the check and as what was told to me is what I did in XX/XX/XXXX. Upon receiving an Analysis from the Mortgage company in XXXX XXXX is when I notice that my mortgage had excessive increase starting XX/XX/XXXX. I called Roundpoint Mortgage XXXX to find out why. I was told that my escrow was short. I brought to the attention that I had sent a check in XX/XX/XXXX to return the funding of my escrow. This is when it was brought to my attention that the check was applied to the principle acct # It was sitting from XX/XX/XXXX to XX/XX/XXXX. I wrote on the check that the check was for the escrow acct #. First I was told that I had to fix this myself. I mention I did what I was suppose to do and someone there need to fix this immediately. I contacted XXXX XXXX company who I originally had contact with to file a complaint. The following week I notice that my mortgage payment for XX/XX/XXXX was still in my bank account. I called Roundpoint Mortgage to make sure that my payment was taken out in a sufficient about of time to pay the mortgage. That 's when I was told that everything was ok. And, my problem was fixed. My problem has not been fixed I am still being charged the excessive amount for my mortgage starting XX/XX/XXXX. And I feel that due to the fault of the Round point Mortgage I am being penalized. I have never been late on my mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Debt collection (I do not know) with REGIONS FINANCIAL CORPORATION (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have made arragements to pay them but they continue to call XXXX XXXX is handling my creditors an they all have been notified properly/ I am not trying to avoid paying anyone just through this structured payment plan. Regions Bank been the only creditor that have harassed me calling day an night home and cell phone back to back. cell number \ XXXX XXXX have already made a agreement to pay off one bill 3 payments and will be negoiating the next.

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 05-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Taylor Pigue Marchetti & Blair, PLLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The Law Offices of Taylor, Pigue, Marchetti and Blair, PLLC had, for several years, garnished my wages while I worked for the XXXX. We have asked them repeatedly for a full accounting of all monies received and how they were applied and they have failed to respond to my request. It seems instead of the debt being reduced it continues to increase. I retired from XXXX in 2015 and am currently unemployed - it is imperative that I know how much money they have received and how it was applied, so I know how to move forward.

Company response to consumer: Untimely response
Consumer complaint received 08-07-2016 about Student loan (Federal student loan servicing) with ACS Education Services (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Enrolled in paperless billing. Was not billed nor called. Was only notified when my payment was 60 days past due. Brought account current immediately ; reported as delinquent to credit bureau one month later. Second issue with this loan servicer in one year. Difficult to reach the right people to speak with. Reps insist they can help and refuse to place you on the line with a supervisor. Will claim they spoke with one on your behalf. Should have paid closer attention when doing my research about ACS Education. My other loans are serviced by XXXX XXXX never had a problem.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Consumer Loan (Vehicle loan) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Problems when you are unable to pay

Complaint: Fell upon hard financial times! XXXX business went under, had to sellshares of another business to cover due from share holder! went through a long costly divorce! 
I changed from office/owner to hourly employee! with a drastically pay cut! 
I found myself homeless ( house foreclosed on! ) and owing money I could not repay! I called Region 's Bank and explained to them my status! They ( same day I called ) immediately came and took ( repossession ) Motor Home! Yet after them taking Motor Home my Debt with them went UP! they did not give any value ( for what they sold it for )! They keep showing recent payments! I have notmade any payments to Region 's Bank for Motor Home once theyReposed it! 
Due to my misfortune 's and the Banks tactics I have no choice butto file Bankruptcy!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Debt collection (Medical) with Receivable Management Group, Inc. (GA) (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have no idea where this debt came from. The collection agency has not mailed me enough information to verify that the debt belongs to me even though I mailed them a certified request. They only mailed me a letter giving me the name of the hospital and amount. They refuse to provide me legitimate proof that this is my bill such as the services provided, the date of service or my signature. I also never given a chance to dispute the debt. I never received letter or phone calls in reference to this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Client Services, Inc. (SD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Client Services Inc. Calls every 3-4 days without permission. This violates the public law 104-208,110 Stat. 3009 Subsection 805 [ 15 USC 1692c ] ( a ) which states : Without prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/18/2017 about Debt collection (Credit card) with Mel S. Harris and Associates, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: it 's been over 9 years i keep getting letters from a debt law firm

Company response to consumer: Untimely response
Consumer complaint received 02/27/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with BTH Management (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have a a unverified account from PLAZA SERVICES # XXXX. I had previously disputed this account. I have never done business with PLAZA SERVICES. Pursuant to the Fair Debt Collection Practices Act 609 ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that PLAZA SERVICES Provide verification of the following : 1. ) The contract Agreement between the Original Creditor or 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 SERVICES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo holds my mortgage on my home. They recently did an escrow analysis in XX/XX/XXXX for period XX/XX/XXXX thru XX/XX/XXXX and notified me on XXXX the XXXX that due to an increase in insurance and tax payments, that my escrow amount needed to increase and this would be effective XX/XX/XXXX. On XX/XX/XXXX I received ANOTHER notification of another escrow analysis and for some reason Wells Fargo made this for period XX/XX/XXXX thru XX/XX/XXXX and notified me my escrow increase was now effective XXXX XXXX - NINE DAYS EARLIER THAN THE NOTIFICATION!! I was given NO NOTICE for this increase - in fact the statement they sent me was dated XX/XX/XXXX - the day AFTER the increase was EFFECTIVE. are n't I entitled to REASONABLE NOTIFICATION FOR ANY ESCROW INCREASE???? THEY DO N'T SEEM TO THINK SO

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (NC).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: In XX/XX/XXXX I asked that Wells Fargo to report me making my monthly mortgage payment to the 3 credit reporting companies. In XX/XX/XXXX I had filed bankruptcy on my business, but not on my home. I have continued to make my monthly mortgage payments in a timely manner. 

In XX/XX/XXXXI was also married. At that time I submitted a copy of my Marriage Certificate and requested that the last name on my loan ( my maiden name as I was single when I financed my house ) be changed to reflect my married name. It never was done. 

In XX/XX/XXXX I became a victim of identity theft. I am a XXXX XXXX veteran, and also used my debit card at several large corporations who had their data hacked. At this time I started paying more attention to my credit rating and my credit record and realized that Wells Fargo was not reporting my monthly mortgage payments. Also, I knew that after 10 years my bankruptcy would start to fall off my credit rating, and I needed to get serious about re-establishing credit. 

In XX/XX/XXXX when I contacted Wells Fargo and asked them to please start reporting my monthly mortgage payments, they instead referred me to the " dispute banner displayed on account '' which referred to the removal of my bankruptcy filed in XX/XX/XXXX. Again, my bankruptcy filed in XX/XX/XXXX was for my business, and did not include my account with Wells Fargo, and I did not ask that the bankruptcy notice be removed. 

I asked that they start reporting my monthly mortgage payment. 

I received a letter dated XX/XX/XXXX from Wells Fargo with the following : " Because our review results didn't support your dispute, we've added a Compliance Condition Code on your credit report, which reads " Completed investigation of FCRA dispute - consumer disagrees. '' This code will remain on your credit report until you request we remove it. If you'd like the Compliance Condition Code removed, you may contact us at the phone number provided in this letter. If you'd like to submit the request in writing, you can send us a signed, written request. 

They included the phone number XXXX Wells Fargo has completely ignored my request, and my right, to have my monthly mortgage payments reported to the credit agencies and I don't know why. I don't believe me filing bankruptcy in XX/XX/XXXX on my business, but not on my home, should prevent my payments from being reported.

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