AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: this dispute was put in to exsperian and the othe XXXX credit reporting agencies and they keep associating me with other people of the same name and reporting wrong information on my report XXXX XXXX XXXX in XXXX nj and a judgment against me that does not belong to me i have called and spoke with them .I have never lived at this address and the information that they are reporting doesnt belong to me and they wont remove it. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: THIS COMPLAINT RELATED TO CFPB CASES:XXXX XXXX AND XXXX pROPERTY SET FOR FORECLOSURE XXXX XXXX, 2015.XXXX REPORTS BANK OF AMERICA AS LENDER THEN REPORTS LSBO ( LOANS SERVICE BY OTHERS ) AS LENDER OF PROPERTY. Bank of America unable to procuce promissory note or mortgage deed. XXXX produced fabricated document which needs to be verified by Bank of America. Bank of America needs to approve that this assignment deed is support by Bank of America becuse this fabricated deed use to foreclosure on property not owned or without document of lender. 
REQUESTING BANK OF AMERICA TO STOP FORECLOSURE SET XXXX XXXX, 2015. 
Bank of America submit COPY of original promissory noteBank of America submit COPY of mortgage or deed of trustBank of America submit COPY of all assignments of mortgageBank of America submit COPY of endorsementsBank of America submit COPY of deed of trust transferBank of America submit COPY of sale of property to Bank of AmericaBank of America submit COPY of sale of property to LSBOBank of America submit COPY of Servicer Letter of XXXX XXXXBank of America submit COPY of document to order this foreclosureDID BANK OF AMERICA SIGN issue documents to approve foreclosureBank of America submit COPY of XXXX employed by LSBOBank of America submit document of XXXX employed by LSBOBank of America submit document of XXXX XXXX Bank employed by BOA 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX Bank attempts to foreclosue on property. XXXX XXXX XXXX XXXX XXXX Bank Processor stated Bank of America was holder of promissory note/ mortgage deed.XXXX Bank was lender of property until FDIC take over XXXX XXXX Bank in 2009 and sold XXXX XXXX Bank to XXXX XXXX XXXX XXXX Bank XXXX Held conference with XXXX Bank reported mortgage accounts were sold to Bank of America. Conference with Bank of America revealed mortgage loan was not with Bank of America. XXXX XXXX Bank informed Bank of America that mortgage account was with Bank of America in memo. Another memo stated mortgage loan was with XXXX Department of Bank of America. None of Bank of America Executivesknew about a XXXX Department in Bank of America. Bank of America President XXXX XXXX XXXX, Ceo Executives reported no knowledge of XXXX Department. XXXX XXXX Bank nor Bank of America nor XXXX Department. Appromimately XXXX Bank of America personnel including executives have reported Bank of America is not lender on mortgage loan. Several Bank of America executive have reported not to know anything about XXXX DEPARTMENT OF BANK OF AMERICA. XXXX XXXX BANK REPORTED IN MEMO THAT THEY DO N'T HAVE NO CONTACT NUMBER TO XXXX AND ALSO BANK OF AMERICA REPORTED THEY HAVE NO CONTACT NUMBER XXXX ... NOW QUESTIONS : I AM REQUESTING COPY of original promissory note I AM REQUESTING COPY of mortgage or deed of trust I AM REQUESTING COPY of all assignments of mortgage I AM REQUESTING COPY of endorsements I AM REQUESTING COPY of deed of trust transfer I AM REQUESTING COPY of sale of property to Bank of America I AM REQUESTING COPY of sale of property to XXXX I AM REQUESTING COPY of Servicer NOTICE Letter of XXXX XXXX Bank DOES XXXX XXXX WORK FOR LSBO OR BANK OF AMERICAIS XXXX A CONVERT OPERATION.NO EXECUTIVES RECOGNIZING XXXXIS XXXX THE LENDER OF THIS MORTGAGE LOAN 

Company response: Company chooses not to provide a public response
Consumer complaint: XX/XX/XXXX, I signed up for a Bank of America cash rewards credit card in which I was promised XXXX % cash back for all purchases plus a XXXX % bonus for a total of XXXX % on all purchases. In addition, I was promised a XXXX % bonus to make it XXXX % cash back if at least {$300.00} in cash rewards was accumulated before I redeemed the cash reward. The commitment made by Bank of America was that this benefit would be in place FOR THE LIFE OF THE CARD. When I realized they had radically reduced the amount of the cash back bonus, I called Customer Service and was informed that the program was discontinued in XXXX XXXX and that I was placed in another program. It 's supposed to be " FOR THE LIFE OF THE CARD '' not when they arbitrarily decide to end the program. In looking back at my statements, the change seems to have happened when Bank of America called me with a fraud alert and had to change my credit card number although I 've been with them continuously since XX/XX/XXXX. Are they declaring that because they have a concern about fraud and issue me a new card that they now declare the " life of the card '' provision no longer exists? I do n't believe it 's fair what was done to me. A company should not have the right to arbitrarily decide to end of the program yet when they market the card to you tell you the terms are for the, " LIFE OF THE CARD ''. 

I 've attached the XXXX consecutive statements in which the XXXX statement credit card number was changed. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was trying to wire money from Wells Fargo Bank ( WFB ) in XXXX, Arizona USA to XXXX XXXX , XXXX XXXX . It finally got there after three weeks plus. A similar wire from another Arizona Bank to XXXX had taken a couple days. 
The confusion and incompetence at WFB were unacceptable causing XXXX and loss of money. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I sent a written dispute into experian to have XXXX medical collections investigated and to get them to get the company to send proper proof that these debts are mine and not a computer automated response. I received a letter from the refusing to reinvestigate these XXXX accounts. I originally disputed them online and like I said earlier, they did a computer automated dispute to the company and didnt fully investigate the accounts. I want them to fully verify these accounts are not mine. That is why I sent the written dispute in to stay out of the computer system generic dispute. They do not have the right to refuse to investigate innacurate info and are required to check the validity of a collection account. I want these XXXX medical collections disputed like I originally requested in my written dispute or removed completely from my report. They are XXXX XXXX XXXX XXXX for {$760.00}, XXXX XXXX XXXX XXXX for {$310.00}, and XXXX XXXX XXXX XXXX for {$130.00}. 
Please either investigate thoroughly like I requested in my written dispute and send me the results in the mail or delete these XXXX collections from my report Attached is the letter they sent me refusing to investigate the accounts 

Company response: Company chooses not to provide a public response
Consumer complaint: I made a payment of {$950.00} in XXXX XXXX and realized that I did not have funds in my bank account. I called Bank of America to cancel the payment where I was informed they would give me a refund of {$950.00} on XXXX XXXX, XXXX. Bank of America incorrectly categorized this refund as a purchase made on the card and subsequently charged me interest for the next consecutive 3-4 months because of the way payments are applied. Spoke with three different managers and three different representatives each month and they all made notes in my account detailing that I should not be charged interest because it was a bank error. The last manager noted that the {$950.00} was going to be lumped into the balance transfer promotion and this problem would go away. After 3 months, the problem remains and I keep getting charged interest. I paid the promotional balance in full that ended on XXXX XXXX, XXXX. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I submitted a dispute to TransUnion on XXXX about XXXX hard inquiries that were reported on my report. See confirmation below. I have not received a response yet and it has been over 45 days. 

Background : I have XXXX credit inquiries from the same company for establishing XXXX account. The company reported on the report is XXXX. I received these inquires on XXXX different dates XX/XX/XXXX, XX/XX/XXXX, and XXXX. The only inquiry that should be listed is the one run on XX/XX/2014. This is when I ordered service and was told by the representative that it was successful ordered this day. In reality the order was not placed correctly at the reps mistake. So over the next weeks I argued with XXXX and they insisted on placing a new order. I agreed after multiple reps said no new credit inquiry would be run. So I proceeded, the rep lied, ran credit again and then hung up on my. Hence, where credit check # XXXX came from. Went through this again and asked again about credit when a new rep was placing an order and he swore to me that no check would be run since he already showed the check in the system. Also a lie. Hence why I have the third inquiry. In summary, I should only have the XXXX inquiry from XX/XX/XXXX Transunion completely ignored my request and have sent no response and all three inquiries are showing on my report still. Please help me resolve this. Thanks 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a divorcee who had ( XXXX ) XX/XX/XXXX XXXX Predatory Lending loans. 
I have a trustee sale date of XXXX/XXXX/XXXX, but I can prove I am not in the trust that is moving against me. SPS ' response to my debt validation request was to say that XXXX as trustee for a securitized trust " owns '' the notes, but my loans are NOT in that trust. I have asked that they at least postpone the sale until they have provided information in response to my concerns. 
SPS, insists that the sale will occur on XXXX/XXXX/XXXX regardless of my claims. 
Their are many issues associated with the standing issue. None of the actions taken against me would have been by the correct party, the Notice of Default, the recording of assignments would all be invalid. 
Legal documents that were used against me relating to bank standing were altered. The copies of notes used to prove bank standing had undated indorsements in blank. In XX/XX/XXXX in response to a QWR, XXXX sent copies of these notes stamped " Certified Copy of Original Document '' which have no indorsements. 
There are also several serious servicing issues with XXXX and then SPS who was substituted in as servicer for XXXX. When the servicing was moved from XXXX I was in underwriting, at the very end of a modification for both properties. SPS refused to continue the modification that was in underwriting at XXXX. 
SPS has violated many servicing regulations, including Single Point of Contact, Dual Tracking, and the requirement to offer foreclosure alternative solutions in good faith. They send letters saying that those opportunities are available, but SPS has blocked every attempt I have made for a foreclosure alternative. Since they stopped the modification I had in underwriting at XXXX, I have not had the opportunity to utilize any foreclosure alternative. Many servicers are intentionally deceiving and misleading both the borrower and the regulatory agencies, pretending to follow servicing guidelines and requirements, when they are actually trying to sell the property. SPS said they had opened a short sale and I would have four months to list the property and find a buyer. They kept putting me off when I called and then said they could n't open the program because I did n't have a listing. I got a listing which was emailed to them. They emailed confirmation of receipt and said they would respond in writing. They did n't. Then they told me that they had closed out the short sale program because I did n't have " an offer in hand! '' This entire time, they refused to send me any confirmation in writing that I was actually in the short sale program and continued efforts to sell the property at trustee sale. When I told them they were dual tracking, they said that technically they were n't because " they had never actually approved the program. '' This is commonly done. I know that I am one of many borrowers who have met with these same experiences. 
Please look into this situation and, if possible, pressure SPS to stop the sale until all issues have been addressed. 
Thank you. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts I disputed. Since it has gone well past the 30 day time frame and the company can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to, " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you 

Company response: Company chooses not to provide a public response
Consumer complaint: Ditech took down access to statements and online account access for 10 days. This is impacting my ability to refinance as I can not get my statements. I agreed to go paperless. What they did not disclose was a way to get access to my statements during the upgrade - I called and they could n't even fax them to me. If companies are to provide online statements they should keep them accessible online and not inaccessible for more than 48 hours. I want to know what the law is and am certain Ditech is not within the law. This disclosure I attached and they posted does n't tell you that consumers ca n't access copies of their mortgage statements for over 10 days. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Good Afternoon CFPB- REQUEST TO LOCATE MY INVESTOR Case # XXXX I spoke with XXXX XXXX XXXX XXXX. The above case number is related but is not why I am reaching out today. 
I have been attempting to locate my investor for 2 years. My servicer BofA had repeatedly stated that they have no access to that information. With the new ruling we as homeowners have the right to know who owns our homes. Subsequent to this ruling the BofA sent me a letter stating the investor is Bank XXXX. 

I contacted XXXX and received their response that they are not the investor and do not physically own the loan or my property. The letter goes on to say BofA is the direct and only contact in regards to my request. 

So a dead end. I spoke with my contact person in the advocacy department BofA today, her records show XXXX as the investor, and she expressed an opinion that when banks absorb other banks accessing information gets buried and it may be the case that BofA may be both the servicer and the investor. 

This seems deliberate and calculated to continue to not have access to who owns my loan. I have a business plan that I have prepared to demonstrate viability in paying my monthly mortgage obligation. I sent his proposal to BYN by registered mail, signature required. here was no return of my business plan or the signature card, only the response email stating they are not the investor. 

MY SALE DATE IS XXXX XXXX, XXXX. I will send via fax the documentation I have referenced. 

I am glad I can bring this to your attention, and am asking that you can look into this matter. I have very little time remaining, and am hoping this sale date will be removed as CFPB reviews my documents. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Penn Credit is constantly calling for my son 's roommate that does not live at the home phone number. It 's an automated message that I am unable to tell them 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The credit information provided does match up with my personal information also i have previous knowledge of the inappropriate information on my credit report. Would like resolve this matter so it will no longer affect my scores in the near future thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: There was a medical bill placed on my credit. I contacted the insurance company and they paid the bill to the collection agency. I filed a dispute to have it removed from my credit report. The collection agency sent me a notice on XXXX/XXXX/XXXX that this would be deleted from my credit. It has been 60 days and I checked my report and it is still there. I submitted another dispute on XXXX/XXXX/XXXX to Experian ( XXXX ) to have this deleted and offered the paperwork. I was sent a response in & lt ; 24hour by Experian telling me this will remain on my credit up to 7 years. I have also submitted disputes to XXXX for the same cause. The reporting agencies have refused to remove this from my credit report even though the debt was really due to the insurance company and not my failure to pay the bill. The insurance company has satisfied the debt so why am I continuing to be punished. This process has delayed me from obtaining a mortgage credit, whereas I have not had this problem in the most recent past. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a XXXX XXXX XXXX XXXX dispute on credit report. This was ID theft. I sent bank and credit reporting company a copy of sworn statement. I sent this statement prior to this being posted to my report and it was still posted by bank. I should not be held responsible for something I did not do. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I had an XXXX collection from XXXX for {$820.00}. I refused to pay the original amount to XXXX because it was for internet service that i asked to be disconnected on my kids cell phones. Somehow my 10 yrs activated the internet service on the phone and i was charged around {$200.00}. 
I disputed the charges but XXXX XXXX XXXX refused to remove the internet. I immediately cancelled the account. The bill was sent to collection. 
in XXXX XXXX i received a collection letter from XXXX XXXX financial systems for the amount of {$820.00} and i was offered a 50 % discount to settle the debt. I took on their offer. 
I paid {$410.00} with my visa XXXX XXXX XXXX card on XXXX XXXX. 
I have proof of the payment, i have copy of their original letter. 
I never received proof of payment nor the settlement was reported to any credit reporting agency. 

Now for the last two years i have been receiving collection letters trying to collect the remainder of the original debt. SCAM. 
I have been receiving collection letters from COMMONWEALTH FINANCIAL SYSTEMS asking to collect {$410.00}. 

To me this is illegal, I try to reason with them but to no avail. 
Please help. 

1 ) i am sending proof of original collection letter with offer of XXXX % discount. 

2 ) proof of payment. XXXX XXXX XXXX card statement. 


3 ) latest collection letter. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Communication requesting verification of debt was sent to GATEWAY MORTGAGE GROUP , LLC on XXXX XXXX, XXXX and XXXX XXXX, XXXX demanded to inspect the " Original Mortgage Note '', with wet ink signatures that shows whether or not GATEWAY MORTGAGE GROUP , LLC is the HOLDER OF THE NOTE. I believe GATEWAY MORTGAGE GROUP , LLC has sold the original Note and has failed to give credit to my account. GATEWAY MORTGAGE GROUP , LLC responded by sending a copy of the " Note '' and Deed of Trust on XXXX XXXX, XXXX. The copy of the " Note '' had been countersigned by the Vice President, of GATEWAY MORTGAGE GROUP , LLC, XXXX XXXX, " Pay to the order of : Without Recourse Gateway Mortgage Group LLC By ( XXXX XXXX 's Signature ) which violates the the National Currency Act of 1863/1864, Section 27. Also in this XXXX XXXX, XXXX communication from GATEWAY MORTGAGE GROUP , LLC, XXXX XXXX, Director of Operational Compliance stated " XXXX XXXX is the holder of your loan and Gateway Mortgage Group , LLC is servicing your loan. '' This is a breech of the contract signed on XXXX XXXX, XXXX with GATEWAY MORTGAGE GROUP , LLC, being the Lender. There was no agreement in the contract to sell, assign, or transfer the " Note ''. Neither was this disclosed to the borrower at the time of closing. GATEWAY MORTGAGE GROUP , LLC is also in violation of the National Currency Act 1863/1864 Section 28 and Section 53. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Hello stephens and michaels called me and said i owed XXXX from XXXX and when i talked to the lady she gave me an address i nver ever lived at before. So i called XXXX to verify that they sent it to them for collections and come to find out they never did this debt agency is a scam they are gon na mail ne something in the mail and verizon said they never sent it to them. They tried to give me a deal and they were so rude and wanted my personal information and trying to collect money for something they dont have or i dint owe 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: SW credit systems no longer has the account and still reporting on my credit report after I disputed it. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On or XX/XX/2015, I returned a " required '' ACH consent for a loan repayment, my loan was purchased by BSI Financial from XXXX XXXX. I have NOT chosen to do business with this company, I have filed a complaint once already for this company for not applying payment correctly. 
I am again getting statements that I am delinquent on my XX/XX/XXXX payment, which should have started via ACH for the XX/XX/XXXX 's payment. Their statements are showing an incorrect address for the loan. They are showing my personal residence, I have a mortgage with my credit union. This " SLOPPY '' work is what takes advantage of XXXX! 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I moved out of this property XXXX 2014. I went to court in XXXX 2014 to dispute charges of {$500.00}. The judge dismissed the managements charges. After recent review of my credit report, XXXX XXXX has placed {$9000.00} charges to my credit report. After several attempts to contact them, the have recently told me the charges are now dropped to {$6000.00}. I wish to have this removed from my credit report until it is legally disputed in the local district court. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a credit card with Wells Fargo ( I do n't remember the open date ). I closed the account and the remaining balance are just fees. I thought the fees were waived because I closed the account. However, the balance remained on the account and now the account is charged off and is being reported negatively to the credit bureaus. The balance on the account consists of only fees. I feel this is a compliance violation as I should be responsible for the balance if its just fees. 

Company response: Company chooses not to provide a public response