milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-05-2017 about Debt collection (Mortgage debt) with BAYVIEW LOAN SERVICING, LLC (MD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: I filed a complaint with CFPB on XXXX, XXXX, linked to fraudulent practices by Bayview Loan Servicing and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Enclosed are copies of correspondence with Bayview informing me they would research my issues and respond by XXXX XXXX, XXXX. I received a certified letter dated XXXX XXXX, XXXX form the XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. This firm represents Bayview Loan Servicing .The letter informed us our home will be auctioned off on XXXX XXXX, XXXX. Also, I have enclosed a copy of the XXXX XXXX, XXXX newspaper publishing the sale. Therefore, apparently Bayview Loan Servicing and XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has chosen to ignore the CFPB. Likewise, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has sent copies of this notice to our Town Hall and to two creditors from 7 years ago. I believe XXXX, XXXX XXXX XXXX XXXX XXXX and Bayview loan are now inflicting additional distress to myself and husband.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Credit card () with LHR Inc. (AZ).
Issue: Credit card protection / Debt protection

Complaint: Hello, i 've been trying to contact LHR INC collections agency to settle debts but i have tried XXXX different number i could n't contact them. 
XXXX XXXX XXXX and ( XXXX ) XXXX those are the XXXX numbers contacted. I want to settle this debt and start my credit and my life back. thank you.

Company response to consumer: Untimely response
Consumer complaint received 06-04-2015 about Debt collection (Payday loan) with CHECK INTO CASH INC. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Over the five years since my bankruptcy, this debt collection company has called my place of employment telling co-workers and bosses that may wages will be garnished, and i will be served. I provide them with my lawyers name and number, but they never call. 

Today they called and left a message on the main number stating " this is XXXX XXXX and there has been a complaint filed against you. Please you or your attorney contact the age at XXXX. '' When I called they said a judgement was granted against me and they were going to garnish my wages now that they were able to verify my employment.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Your entity must remove this unauthorized inquiry and provide a written response to my address. Please see attachments below.

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 12/29/2016 about Prepaid card (General purpose card) with Blackhawk Network Holdings Inc. (TX).
Issue: Fraud or scam

Complaint: On Saturday, XXXX XXXX, 2016, I received a call at my business saying that it was the gas company XXXX XXXX XXXX XXXX. They said that I had an overdue balance of {$490.00} and that I had to pay it immediately or my gas service would be disconnected, and my business depends 100 % on gas. They told me to purchase a prepaid card with the amount due on it ( {$490.00} ), and that when I got it they would give me instructions on how to give them the card information in order to avoid having my gas service disconnected. And I did so. I purchased a card called Reloadit with the amount off {$490.00} on it from the XXXX located at XXXX XXXX XXXX. But a few hours later I realized that the gas companys ( XXXX XXXX ) offices arent open on Saturdays, and that I had been a victim of fraud. 
I called Reloadit to see if I could cancel the payment process to the person who defrauded me, and it appeared that I had called in time to cancel the payment. 
The Reloadit representatives gave me a case confirmation number : XXXX. 
Three days later, a woman named XXXX called me from XXXX to give me a new incident number : XXXX. 
Since they hadnt called me back on XXXX XXXX, I called them again, and the representative XXXX gave me another case number ( XXXX ) and told me to send them the proof of purchase for the Reloadit card, plus a copy of the card with the numbers on the back of the card. She told me to send it by fax to XXXX, and I did so. 
They told me that it would take approximately one month to have my money returned. 
On XXXX XXXX I spoke with a man named XXXX, who gave me another case number ( XXXX ). And so it went : month after month I was assisted by different representatives who gave me different case numbers, telling me they were reopening the case, but they never gave me a solution or sent me the money. Ive already spoken with the manager and he hasnt given me the solution for getting back my money either. 

A few months ago I told them that if they didnt send the money, I was going to report them, either to the Better Business Bureau or the CFPB. 
Apparently they dont care. Ive given them several more months, and I still havent received anything. Please help me. 
Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-12-2017 about Debt collection (I do not know) with Hunter Warfield, Inc. (LA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I have had zero knowledge of this individual account. I filed a complaint. The company urges that the individual that opened the account is myself. I decided to check old notes from XXXX, a time in which I appointed someone to analyse my credit report and address all information therein and it appears that that individual spoke with the company and on recording, the collections representative threatened that without attempt for payment, nor providing of contact information that 'he ' would keep " clicking '' to run a credit report and repeatedly drop the score/rating. A supervisor was then requested in order to recount the experience with the representative and management at the time did nothing to rectify the situation. It was/is a blatant FDCPA violation to make such credit threats. Recently ( XXXX ), when I " personally '' discovered the account, Hunter Warfield 's account on my credit was disputed through Transunion ( via XXXX XXXX 's direct dispute procedure, ) as I shared with the credit bureaus as well that I did not open any such account despite what perceived evidences that company might produce. The item was removed after being found to be unfounded and shortly thereafter, said item was re-introduced to the credit bureaus, thus impacting my credit rating. I do not know why it was re-reported, nor do I understand why thus far this issue has been handled the way it has been handled.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/XXXX I received a notice that from XXXX that a collections was added to my credit report. I contacted Diversified Consultants and requested information about this account. They informed me that XXXX instructed them to add this collection to my credit report. This account was previously disputed in on XX/XX/XXXX and was verified as paid by XXXX and was removed from my credit report. On XX/XX/XXXX I contacted XXXX to establish new services and inquire about this past due account. The customer service rep informed me that there was no balance due on any past due account and that she made sure to remove the account from my records with a balance of XXXX. This was reported to Diversified Consultants on XX/XX/XXXX but they stated that XXXX was the one who reported to the credit bureau and not them and they refused to remove the mark. I spoke with the XXXX collection department who verified that no balance was due. They stated that they would file a ticket to stop the collection company from contacting me. They also informed me that XXXX does not authorize anyone to post on there behalf. XXXX also created a complaint ticket against the collection agency to stop them from trying to collect on this account and to provide proof that the account has a XXXX balance. The ticket number with XXXX is XXXX. The balance has been report as XXXX since the account was closed and the equipment was received.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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: There are two mortgage accounts that are reported to the three credit reporting agencies under XXXX account number XXXX and XXXX from XX/XX/XXXX. Those two accounts where paid in full and the accounts were closed on XX/XX/XXXX. The accounts are reporting as joint accounts. However, there are late payments reported. Those two accounts where set up to be paid automatically each month. Meaning that XXXX would pull out the money directly from the checking out when the payments were due. After sending an investigation request to the three credit reporting agencies. They all replied that they verified the accounts. So I sent a letter directly to XXXX requesting the payment history, i sent the letter to the address listed on my credit report for this particular company. The post office returned my letter with a sitcker label on the outside of the enevolpe that says " Unable to forward, undeliverable as addressed ''. So I sent a copy of that envelope to XXXX, Experian and XXXX, and to this day they keep responding that they veirfied the account though I sent them proof I ca n't get a hold of XXXX in writing. Attached is a copy of the envelope that shows the post office keeps returning my letters to XXXX.

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 11/22/2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NC).
Issue: Incorrect information on your report

Complaint: While XXXX XXXX from Carrington Mortgage Services states in her response to complaint number XXXX that Carrington Mortgage Services submitted ( an AUD ) form to the four major credit bureaus to REMOVE any negative credit remarks, that is in fact untrue. The form ( attached ) clearly shows that an " update '' was submitted, not a " deletion '' thus not removing anything from our credit report. XXXX XXXX, a manager in the Loan Servicing Department who was working with me, repeatedly ( on XX/XX/XXXX and XX/XX/XXXX ) said he would have the AUD form resubmitted to show " deleted '' instead of " updated '', and as of today ( XX/XX/XXXX ) I have no confirmation that he has done so. He promises to update me by " end of day '' and never does. Additionally, according to XXXX on XX/XX/XXXX, CMS reported our account delinquent AGAIN ( both on XX/XX/XXXX and XX/XX/XXXX ). According to XXXX XXXX ( ID # XXXX ) on XX/XX/XXXX, they did not report us again, but our XXXX score went down 62 points in one day as a result of their second negative report.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Debt collection (Credit card) with Hunt & Henriques (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I found out in XX/XX/XXXX I had judgement entered against me. I was not aware that judgement was entered in XXXX, I was never given court papers. It was explained to me I was served papers by substitution, that is not fair. I can not speak XXXX very well, but I was able to have a friend try to help me settle. They have raised the debt by way to much money and are not being cooperative in settling this debt for a fair amount, even though they never served me properly. I feel like I have been taken advantage of and now being forced to pay a large amount I can not afford.

Company response to consumer: Closed
Consumer complaint received 05-08-2017 about Mortgage (Conventional home mortgage) with Fleet Mortgage Corp (IL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: In   XXXX /23, I   entered into a mortgage agreement with  XXXX    XXXX   XXXX   XXXX  n as a refinance mortgage for my house and lot at  XXXX   XXXX   XXXX   XXXX .  XXXX  Il  XXXX . The Loan number was  XXXX .  XXXX  transferred the mortgage loan to  XXXX   XXXX  which transferred it to  XXXX   XXXX   XXXX  which sold it to Fleet Mortgage group. From all these transfers,  XXXX   XXXX  did not remove the lien they put on our house or was not recorded as removed. I have tried to contact these companies but all the available phones are no longer in service and  XXXX  and  Fleet h ave no functioning phones.  Fleet w as brought by  XXXX   XXXX  which went bankrupt and was bought by  XXXX   XXXX . I have been trying to find out who can provide the release of lien for my property to no avail.

Company response to consumer: Untimely response
Consumer complaint received 07/30/2015 about Debt collection (I do not know) with McCullough Payne & Haan, LLC (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: On XXXX XXXX, 2015 we became aware of problem with our bank account. We were in the process of moving during this time and found that our account that had more than {$2500.00} in it had been seized. According to the documents that our bank provided us two weeks later, there was a summons of garnishment issued to them by Magistrate Court in XXXX County Georgia.The attorney listed on the summons was McCullough, Payne & Hann in XXXX, GA. I am unfamiliar with the Plaintiff who was listed as XXXX XXXX/XXXX XXXX XXXX We also have never lived in XXXX County so I 'm unsure as to why this was filed there. The garnishment seized funds in a joint account so I am unsure who they were trying to garnish, myself or my husband. Bottom line is this company has taken all of the money that we had to our names and I would like some answers as to why our bank, without having proper definite information that this is even our debt, attached the garnishment without confirmation of ownership.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have an outstanding derogatory balance on my credit card statement, while I have been on-time with close to XXXX % of my payments that I have ever been bound to. This debt collection company has never made an attempt to contact me via phone, mail or any other means of communication.I suspect that the balance has been subject to excessive charges if it is in fact my debt or it is a debt that is due to identity theft or other unauthorized activity.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Problems caused by my funds being low

Complaint: Wells Fargo continually charges me {$35.00} on XX/XX/XXXX for each overdraft used via my debit card. I have repeatedly requested that if the money is not in the bank to decline the transaction. Do n't charge me {$70.00} to decline the transaction. Please process as soon as possible. As always, I truly appreciate being represented by the federal government, specifically the Consumer Financial Protection Bureau. Thank you kindly.

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 10/20/2015 about Money transfers (International money transfer) with AMERICAN EXPRESS COMPANY (LA).
Issue: Other transaction issues

Complaint: XXXX keep using unethically my credit card details without my aproval to charge me on XXXX for a service I do n't want and I did n't request

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On my Experian Credit Report, the collections account " XXXX '' should totally be removed. It was already removed from XXXX and XXXX but for some reason Experian has n't removed it yet. I received a letter in the mail saying they would remove the account from all XXXX credit bureaus and I simply need your help in getting this issue resolved as soon as possible. Thank you in advance.

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 12/29/2017 about Checking or savings account (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: I went to Fifth Third Bank to apply for a mortgage. While I was there they asked me to open a checking account as it would reduce my interest rate and Id be able to set up an ACH. I was told there would be no fee associated with the checking account. So, they had me sign about 20 pages for the mortgage company Nd the gentleman at the bank would verbal go through each one and give a debrief about what I was signing. Again, NEVER did we discuss fees! The mortgage was not approved and did not go through. I received a denial letter in the mail. However, they kept my checking account open, which I assumed ithe {$50.00} that I opened with would just remain in my account. That was not the case in XX/XX/XXXX I received a letter that indicated I was overdrafted and I owed them some money! I immediately called the bank when I was advised well I can see where the could have left this out because it was a mortgage but I can only refund you XXXX  dollars! I asked to speak to his manager and I never received a phone call from! So, I walked in to aine of their branches and the branch manager was busy working the teller line and was unable to assist me. I demanded corporate phone number, which was given to me. I called corporate and once I indicated I was writing to the CFPB, they said she could not discuss the issue any further and would have someone call me back within 24 hours! I did receive a call and I explained my situation the gentleman told me he would have to revie the issue and call me back! Its been over a week with no return phone call! I would like an investigation to see how many consumers have gone through this where they are mislead and then they take all of you money then ask you to pay overdraft fees!! They should not ask consumers top open a bank account unless theyve been approves for a mortgage!! This is fraud!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/29/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (NM).
Issue: Application, originator, mortgage broker

Complaint: I began a loan refinance with Band of America Home Loans on XXXX XXXX, 2016. On XXXX XXXX after giving all information to Loan Officer my loan was denied without any full explanation of why or other alternatives. Furthermore, I was told by Loan Officer on XXXX XXXX that if Loan did not close I would be refunded the appraisal fee of {$690.00} and on XXXX XXXX when loan was denied I was told I am not entitled to a refund. I have left a message with Branch Manager XXXX XXXX which has not been returned and was told I would be called this evening by another manager and was not. I am disputing the charge with my credit card company and want Loan Officer XXXX XXXX to be investigated for verbally telling me before XXXX transaction for appraisal fee that this would be refunded if loan did not close. This information was recorded by Bank of America.

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 04/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Trident Asset Management, L.L.C. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have continuously contacted the debt collector who refuses to honor my dispute of identity theft. I have provided all the information needed to support this including the police report and what happened when my car was broken into and all of my items were stolen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/20/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I would like to file a complaint ... Synchrony Bank has been closing my accounts one by one over the past six months ... I have spend several years building my credit score only to have Synchrony Bank ruin it all by closing most of my accounts for no reason. Every account they have closed were all in good standing with no late payments EVER. I have a 100 percent ontime payment history yet my accounts keep getting closed and it is affecting my credit score tremendously. I have done everything right with synchrony bank ... opened accounts, used them, paid them on time and yet they are still closing my accounts. I need someone to fix this and stop future closing of my accounts and possible reopen all of the accounts that they have closed. I have already spoken to several people at synchrony bank and no one seems to be able to help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Shopping for a loan or lease

Complaint: I paid off my vehicle XX/XX/2014, to Santander Consumer USA account number # XXXX the account is reported negatively on XXXX as a write-off. When I paid for this vehicle in full.

Company response to consumer: Closed with explanation