milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/24/2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (GA).
Issue: Trouble during payment process

Complaint: XXXX   XXXX   XXXX  is a victim of mortgage fraud by and through the   XXXX   XXXX   XXXX    a nd  XXXX   XXXX   XXXX ,   XXXX   XXXX   XXXX   or an agent thereof, has committed, to include but not limited to the following criminal offenses of identity theft, forgery and fraud against,  XXXX , the state of Georgia, and    XXXX    County,  by cr afting, creating and forging, a fictitious loan security deed & note. Unbeknownst to  XXXX , her mortgage was transferred and thereby illegally stealing her ownership of the deed of the property, located at  XXXX   XXXX   XXXX ,  XXXX , GA  XXXX . I have the utmost confidence that our investigations team will prove all of the elements of an insider s Financial Fraud for  profit scheme that plagued  America i n recent past.     A criminal report of the alleged crimes are in the process of being investigated by  XXXX  Police Department Case #  XXXX . A Fraud Report has been reported to The  Georgia  Department  of Banking and Finance an d also with the  District Attorneys Office hav ing jurisdiction where the property is located. Additional complaints and report of Financial mortgage fraud are pending as of the date of this most recent CFPB complaint.     In conclusion, the alleged Trustee,   XXXX   XXXX   XXXX   XXXX   XXXX  , AS TRUSTEE FOR THE CERTIFICATE HOLDER OF   XXXX  IN. , ALTERNATIVE LOAN TRUST  XXXX , MORTGAGE PASS-THROUGH CERTIFICATES, SERIES  XXXX   XXXX   XXXX  -  XXXX ,   XXXX   XXXX    XXXX  NY  XXXX  is also fictitiously created. Bayview in its letter dated     XX/XX/XXXX    , provided a contact # for the alleged Trustee as (  XXXX  ). This number is actually for the promotional department of the  XXXX   XXXX  not the alleged Trustee . (  Case law is attached to show proof that ) please see attachments identified as (   XXXX  -AS-TRUSTEE-vs.- XXXX -Pages-from-the-AFFIDAVIT-OF- XXXX .pdf ) No interest can be transfered if  XXXX   XXXX   XXXX   XXXX  nor  XXXX  dba  XXXX   XXXX   XXXX   XXXX  nev er had  any interest to transfer in the said property because it was NEVER a corporation in  NEW YORK as   indicated o n the Security Note  and Deed. Because,   XXXX   XXXX   XXXX   XXXX   has been proven to NOT be a corporation, incoporated in the state o f New York, Th e alleged lender was never licensed or registered to do business as a mortgage lender or broker offering residential loans in the state of Georgia, in   XX/XX/XXXX .  Therefore,  XXXX   XXXX   XXXX   XXXX ,  XXXX  nor   XXXX   XXXX   XXXX  , can not prove any legitimately conceivable interest that could be assign to any said such  Trustee    XXXX   XXXX   XXXX   XXXX   XXXX  , as decided as a matter of  XXXX   XXXX  ( See attachment titled District Courts of Appeals .... )

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2016 about Consumer Loan (Vehicle loan) with EXETER FINANCE CORP. (OR).
Issue: Shopping for a loan or lease

Complaint: I previously filed a report for Identity Theft with FTC. I have placed alerts on the XXXX credit reporting agencies. I am asking for immediate remove the of the credit inquiry, due to failure to follow procedure with Identity Theft and they have refused, and will not remove their inquiry. I simply would like to have their inquiry removed, they failed to follow procedure, therefore it is invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Mortgage (Conventional fixed mortgage) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX 2016, our home in Louisiana flooded. We have flood insurance but our mortgage company will not disperse the funds because we are self contracting our home. With this disaster there in limited qualified contractors available and my husband has been in the construction field for over 25 years. It would be senseless to pay someone to repair our home when we can do it and do a better job. The State of Louisiana law states a person can self contract their own home from the ground up or remodeling, one home in a years time. My mortgage company, Capital One, is telling us we can not do our own repairs. We have already started our repairs even before we received our insurance check. We were not going to let our home sit to grow mold. I have gotten so many different stories from Capital One that I do n't even know what the truth is? I was told that XXXX is the reason we can not self contract but what is funny to me is, we did a conventional loan, we did n't do a government funded loan. How can XXXX tells us what we can do? Just yesterday I get another call from Capital One telling me that XXXX wants letters of recommendation from people who have seen my husband 's construction skills. This call comes AFTER we were told we could not self contract!! On XXXX XXXX, we called for an inspection. The inspector came out and told us we were at 40 % with our repairs and we have yet to receive a check. I told the representative who called yesterday for my husband 's references to look at the XXXX pictures the inspector took of our home to see if he is qualified to do repairs she did n't have a response. My husband and I have been paying for the repairs out of our savings, just so we can get our family back in our home. We are running out of money!!! I have pleaded with Capital One and still no results. I can not understand how a company can have control over OUR INSURANCE MONEY? We pay our insurance premiums and we can not have OUR money?? 
By the way we did hire a painter contractor, paid them some money and have n't seen him since. This is why so many people in Louisiana have chosen to self contract. Contractors flew into Louisiana to prey on the flood victims, this is a disgrace and so is Capital One for not giving us our money to complete our repairs.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (I do not know) with TENET HEALTHCARE CORPORATION (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received an alert on my credit report XXXX/XXXX/2016 that Central Financial control placed on account on my credit report. However I have no received any information regarding this alleged debt. I 'm not sure what it is even for. The collection did not follow the proper procedures for the FRCA regarding notification before placing the item on the credit report. Texas Attorney general will also be notified in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: My husband and I filed for bankruptcy in XX/XX/XXXX. We filed in XX/XX/XXXX and it was discharged in XX/XX/XXXX. Our home was included in this filing however, we still own and live in the home. Our lien holder XXXX, is reporting on our credit report as the first reporting date was XX/XX/XXXX and not in XX/XX/XXXX.  When questioned, they sent a letter which I will attach. I do not want this liability removed, I want it updated with the correct reporting date of XX/XX/XXXX and not XX/XX/XXXX. By XXXX not reporting this accurately, it is unjust and illegal. This is in direct violation of the Fair Credit Reporting Act. I would like this updated immediately. I have also attached our bankruptcy discharge paperwork.

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 06/14/2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This medical debt was associated with emergency care while on a trip to Florida in 2014. I am a veteran I use Veteran health care system the Veterans administration was legally bound to cover this medical expense. the payment should have been made by the VA

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Problem with fraud alerts or security freezes

Complaint: For many years these bureaus have automatically placed extended fraud alerts on my credit file each time I am advised the alert or consumer statement is added i call and write in to have it removed. They all remove it and within 45days its re-entered the main issue I have with alert it always have a phone number I have never provided or have access to. Overtime they have system glitch issue the alert and incorrect phone number and numerous inquires are added onto report without my doing or knowledge. From time to time good accounts that are mine paid onetime are removed, blocked stopping the creditors ability to report. And late payments on accounts that creditors have sent in letters to have late reporting removed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Since XX/XX/XXXX, I have been trying to have XXXX and Transunion to update my credit report, delete unquiries XXXX XX/XX/XXXX and accounts older than 7 years old. XXXX still reporting a collection that I am no liable for, even after evidence from my health insurance has been submitted showing I have no responsibility. XXXX per information submitted to my previous complain stated that they verify my name but did not acknowledge the insurance evidence, the collection needs to be removed, I also notified the bureaus that on XX/XX/XXXX, my license, social security cards were stolen, there have been inquiries to my credit even after I placed a freeze and yet the bureaus have failed to prove that it was in fact me who made the requests. And lastly they are reporting accounts that are more than 7 seven years old.

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 04/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Patient Accounting Service Center (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In XXXX, I took my Daughter to XXXX Hospital XXXX XXXX. I did not receive a bill for her visit until XXXX. I called and disputed that the amount had not been properly reduced per my agreed insurance plan- XXXX XXXX I was told the amount was correct for XXXX, but XXXX told me it was incorrect and should be XXXX. Mercy told me to dispute with XXXX. i did and thankfully XXXX was able to help me and I later received a bill form XXXX in the amount of XXXX. I asked to set up a payment plan and was told i could do so, but never received the paperwork. In XXXX I received a debt collection notice from ARSTRAT. I contacted ARSTRAT and they refused to provided validation of the debt. All they woulod tell me was that it was XXXX XXXX. They claimed that the debt was valid because they sent it. They would not provide any information or a contact at XXXX to verify the debt. ARSTRAT also misrepresented the amount I owe. They told me on the phone that it was XXXX. This is not the amount XXXX was seeking. They told me that XXXX sent this amount to ARSTRAT and that is the amount I owe. They then proceeded to give me a fake XXXX Phone Number. I spoke with XXXX and XXXX, out of the XXXX ARSTRAT office.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2018 about Checking or savings account (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (TN).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: On XX/XX/XXXX BMO Harris paid on my behalf {$2300.00} to XXXX XXXX, for my home loan. This payment was made by mistake, as the XX/XX/XXXX house payment was made XX/XX/XXXX. 
Calling BMO customer service, I was told due to insufficient funds, the payment would be returned to my account XX/XX/XXXX. At this time, I was told the issue was resolved, and no further action was required. 
XX/XX/XXXX, the payment was processed again, causing yet another negative balance. 
A stop payment was issued on my behalf by the XXXX XXXX BMO branch. 

XX/XX/XXXX, the payment was processed again, causing yet another negative balance. 

Recapping : BMO Harris sent money on my behalf 3 times, without my permission, ignoring my request to cease. 

BMO continually put the blame on XXXX XXXX XXXX, though in fact they had nothing to do with the issue. 

19 phone calls to BMO, a total of over 9 hours of time on the phone.

5 phone calls to XXXX for a total of 1 hour.

5 separate days with no money available in my account.

At times, rude treatment, especially from BMO bill pay department. 

Key contacts with BMO XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( no last name ) bill pay manger

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 07/18/2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (NM).
Issue: Struggling to pay mortgage

Complaint: I have written numerous Qualified Written requests to Specialized Loan Servicing LLC asking for specific items in order to determine who owns my loan, if there are any errors on my loan by reviewing them, legal documents pertaining to the chain-of-title, i.e. the Assignments and Substitution of Trustee Notices and who owns/has possession of my Note and Deed of Trust, along with other important information within my legal right to ask and receive.SLS then stated that they are not " required '' to provide life-to-loan transfers in relation to my Deed of Trust!
On   XXXX   XXXX  , 2017 SLS 's response to my Qualified Written Request/letters was that I have asked them too many times and they refuse to answer and therefore, they consider the matter resolved! They stated instead that they have a right to collect fees per the terms of the Promissory Note but do n't have to list them or give me a break down. ( only charge me for them! ) As for the errors I am looking to discover once I receive the numbers from SLS, they stated that " they have reviewed my account and there are no errors, but that I had a right to request the documents relied on by SLS in reaching the determination communicated in their letter. '' This is precisely what I have been asking for and I agree that it is within my right to receive them, but they refuse!
The previous letter I received from SLS stated if I wanted this information I would have to sue them to get it ... .does n't sound like a legitimate business practice to me and therefore I will continue to ask until I can reach my own conclusions and report them as well for fraudulent and damaging behavior toward me and my business.
Transparency is all I am requesting in order to be able to review what SLS is alleging I owe, what I have been charged for and the legal documents to show who can collect and who is claiming I owe anything. Pretty straightforward questions for a company like SLS to be able to answer, since this is their job!

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 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I 've contacted XXXX and XXXX and transuion on the status on my student loans my student loans are were discharged the XXXX XXXX XXXX XXXX. the companies deleted my student loans completely. the are supposed to show payed and closed and a XXXX balance on my credit reports I would like for the them to reflect this matter! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX both of these accounts had payment history on them which is effecting my score to be able to obtain a housing loan. I would like for it to be fixed and resolved I called the company and they were not very helpful in this matter at all. I was told that it could not be corrected or added back to my credit reports. I do have some positive credit history on those accounts

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 11/14/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (DC).
Issue: Deposits and withdrawals

Complaint: 7day hold on a check depositied to my Dime Savings Bank acct. Is n't there a rule against this?

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (MA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I contacted the credit reporting agency because the collection amount is incorrect. I sent in receipts that should be credited towards the debt and was not given credit for.

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 10-06-2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have tried on numerous occasions disputing unknown inquiries with bureau stating that I did not apply for a job or credit with these people and wanted them removed, told the bureau that I 've tried sending letters to creditors for removal with no response

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 04-08-2015 about Consumer Loan (Vehicle loan) with MarkOne Holdings, LLC (TX).
Issue: Managing the loan or lease

Complaint: In XXXX 2015 I sent {$1500.00} along with my regular car payment of {$300.00} for XXXX, 2015 to my car loan company ( Mark One Financial ). Along with the {$1500.00} check, I wrote a letter stating that the {$1500.00} was to go toward my principle. I had also written that in the memo of the check. Today I get a statement stating that my next payment is due XXXX 2015 and my payment only {$31.00}. I called Mark One Financial and spoke with XXXX, who would not give a last name. I asked her why my {$1500.00} had not gone to my principle. She stated that all payments would pay the interest XXXX. I told her it was not a regular payment and that I had sent a letter with that check stating that it was to go toward my principle. She then stated that their system did not work like that. I became upset so she put me through to her manager XXXX XXXX, who has no XXXX name, she stated the same thing. She brought up the contract, so I asked her where in my contract does it state that. She said she did n't know she would have to look at it. She then asked me if I was going to get upset over {$17.00}? Now I 'm furious, no where in my contract does it state that any principle or prepayment would go to pay interest XXXX I then told her that I would be filing a complaint, to which she stated she would be contacting her attorney. I told her good and hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing statement

Complaint: Re : Sears Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX Citibank made a deal to make $ XXXX monthly but they do n't send any statement to show how much owing and to send payment. Instead I am supposed to call XXXX XXXX XXXX, but when I call at least two or three robo phones scrutinize a/c number, ss number and then call goes to XXXX, spending there 10 minutes, and then call comes back to USA. You have to repeat all your info at least 3 or four times, wasting one hour. Citibank should send me statement every month and give me a chance to mail check to them.

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 05/14/2017 about Debt collection (I do not know) with ERC (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am wondering how stupid are these ERC treating me. There is no money i owe from them plus I am still  XXXX   XXXX  customer cor the last 7 years. Had I owe money from them, they would have brought me a clear evidence.  XXXX   XXXX  reported mw to this collection agency. I DONNOT OWE ANY MONEY FROM THEM. Period

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Td bank refused to report our good credit on mortgage we have had for 18 years they stopped reporting in 2015 we have called many times to ask our payment credit be reported yet they still refuse to report it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/30/2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Trouble during payment process

Complaint: Have ask repeatedly from wells fargo about questions concerning thier payments to my insurance company from my escrow, as well as payments of escrow which doesn't showing deposits. I had to float a loan to make up the discrepinses allotted by them. I think they have messed up my acct. Now they are saying I have to pay more escrow? help please!!

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