milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-08-2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (AZ).
Issue: Struggling to pay mortgage

Complaint: XXXX  OF  XXXX  AND  BAYVIEW LOAN  SERVICING FAILURE TO POST PAYMENTS CORRECTLY, FAILURE TO PROVIDE CORRECT STATEMENTS, PROVIDING CONSUMERS WITH FRAUDULENT DOCUMENTS THROUGH THE CONSUMER FINANCIAL PROTECTION BUREAU  XXXX   XXXX   XXXX  provided  Bayview Loan Servicing with  fraudulent documents to respond to multiple complaints we filed with the Consumer Financial Protection Bureau. Therefore, due to   XXXX    XXXX   XXXX  and  Bayview Loan Servicing responding to multiple Qualified  Written Request with fraudulent documents through the Consumer Financial Protection Bureau and through the United States Postal Service we are experiencing harassment and retaliation due to us reporting these schemes. During the duration of the trial modification payments,  Bayview Loan Servicing continuous failure to accept a m onthly loan payment from us and post it to our account correctly started on  XXXX    XXXX   and has continued through the present.  Bayview Loan Servicing  is a  XXXX  dollar corporation, currently they manage approximately {$11.00}  XXXX  dollars. Therefore, its difficult to understand why its so terribly difficult for Bayview to accept a monthly loan payment from us, post it to our account correctly, update our statements, update their automated system with the information correctly, and manage the day-to-day operations of our loan without continuing to compound multiple continuous errors. Upon us complaining about the compounding errors, schemes and shams committed on our mortgage loan by the previous servicer, predatory banker, Bank  XXXX   XXXX  continues to do nothing about our complaints in fact, Bank  XXXX   XXXX  has intensified the well planned scheme and has involved  Bayview Loan Servicing by providing Bayview with fr audulent documents to provide to us and  Bayview Loan Servicing upload   these fraudulent documents to our portal at the Consumer Financial Protection Bureau as well as mails these fraudulent documents through the United States Postal Service.  XXXX   XXXX   XXXX  transferred our loan to  XXXX   XXXX   XXXX  without making corrections caused by misappropriation of payments and forced placed Insurance. The  Master Servicer  Bank  XXXX   XXXX  has instructed  Bayview Loan Servicing to foreclose on our home by having Bayview loan s ervicing intentionally and purposefully failing servicing duties of : failing to post our monthly payment to our account correctly, failing to update their automated system with the information correctly when a payment is made, failing to post the payments to our monthly statements correctly and continuing to compound multiple errors on our loan in the day to day operations.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2016 about Debt collection (Auto) with ALLY FINANCIAL INC. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This is Ally Financial who call constantly call. It 's XXXX on Sunday and I 've received XXXX phone calls already. They either do n't answer when I pick up or hang up on me ( like they just did this 4th time calling ) or they finally talk and I advise them I have payments posted online to be drafted from my account to refer to their online system and stop harassing me. They still continue to call every day multiple times a day.

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 10-04-2016 about Debt collection (Credit card) with Mandarich Law Group, LLP (WA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: debt oriiginated in XXXX with XXXX XXXX XXXX {$250.00} payment was falsly reported in XXXX still receiving collection notices from Mandarich Law Group in 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 01-09-2016 about Debt collection (I do not know) with First National Collection Bureau, Inc. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: 3rd time this company has tried to collect for a fictitious debt. I filed a complaint about this same company on this site before, so this time the company has changed the name of the phony debtor. This is not my debt. The last time this happened, I called the company. They said the social security # they had did not match mine. They apologized and said they would stop sending bills to me. I 'm getting tired of this, it is a scam. I do not owe any outstanding debts to anyone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KS).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have no knowledge of this account ... XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-12-2017 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: Information belongs to someone else

Complaint: I have recently become an adult and monitor my account like I should. I purchased a XXXX account which shows the reports for all the Credit Reporting Agencies. As of XXXX XXXX I also purchased the XXXX premium service and found that there were to credit cards opened in the name XXXX XXXX one on XXXX/XXXX/XXXX and another in XXXX of XXXX. Both of these accounts were opened either fraudulently or by someone who has a similar name than me. There is alone in XXXX, TX where i resided when both were opened over 50 XXXX XXXX 's. My name is XXXX XXXX XXXX. I have sent Section 609 of the FCRA to have the CREDIT REPORTING AGENCIES to verify that those accounts are mine as well as for them send me the proper documents as per the FCRA states. I have recieved nothing but a credit report with updated infornation stating that account has been verified. I have sent appropriate documents to the Credit Reporting Agencies to support my claim that my name is XXXX XXXX XXXX not basic XXXX XXXX. I have purposely included into my signature my middle name or my middle intial as the two documents show that I have currently uploaded to you. On the Drivers License its a XXXX between the XXXX and The XXXX also as if the XXXX is apart of the XXXX. And on the social security card it spelled out in the middle of the length of the name. I truly am sorry for the long letter of what is happening but after the recent XXXX leaked personal information, I have been fighting with the CRAs for Four Months about their basic FCRA requirements under the Section 609. And then their total lack of caring about a consumer and their lack of building their credit to secure a home loan for his family. Please someone help me. 

XXXX XXXX XXXX P.S there is over 250 XXXX XXXX in a 6 hour radius of where i currently live.

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 09/16/2017 about Checking or savings account (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (IL).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: On XX/XX/XXXX my account was withdrawal for {$270.00} ; The transaction was done on XX/XX/XXXX at BMO Harris bank at XXXX XXXX XXXX XXXX, IL,XXXX XXXX. ON XX/XX/XXXX, I tried to pay something and they informed me that my account had no enough founds to cover the transaction. I checked my bank transactions online and I saw a " REQUESTED WITHDRAWAL " transaction for a total of {$270.00}. I called the bank and they explained me that someone in a different county, same estate of Illinois withdrawal money from my bank account and t " by mistake '' the bank took the money from my account instead of his account. Bank customer service rep. told me that they do not know how that happened and they offered me to refund the money but it will take 2-3 business days. As well they recommend me to go to my branch, spoke with the manager in the branch close to my residence and they will talk to the manager in XXXX branch to " tried '' to correct my account and deposit the money into my account as soon as they can. I asked her what will happen with the payments I had schedule to be withdrawal from my account in the following dates, because those will be rejected it due to no money in my account. She said that they will not charge me an overdraft " if '' they accept one of those payments, but since I had no money in my account, then no one of my payment will be through. That answer do not help me at all, as a result of his error and lack of problem solving at the moment, I will end up with a ton of fees in my end with a different institution that I owe because the payments will not going through. Regardless that they will return my money, this situation extremely concerns me, how is possible to release money to someone that is not even the same sex or nationally as the account holder 's name or picture ; how is possible that the bank will charge me for late fees as quick as next day if I withdrawn my account, but instead, if they make an error they will take all the time they want and leave me with no money for payments that I need to make, in addition with a bad record in my credit report, adding my stress level up to the roof because of a bank error which is not even reasonable or credible.

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 10/30/2016 about Debt collection (I do not know) with DCN Holdings Inc. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Someone named " XXXX '' called a few days in a row. 
I called her back to be told they were hired to collect on a judgment for " XXXX XXXX '' to see if they could collect " before he attaches my wages. '' I asked her to send me proof of whatever judgment she is speaking of, proof that they were hired by this person, contact info of " XXXX XXXX '' and copy of XXXX license for XXXX. 
She told me, " This is not customer service, it 's debt collection. '' So I hung up. 
I received the enclosed letter after her phone calls. 
She did not send any of the info I asked for and the letter does not even list address, phone number etc. of creditor. 
I have had problems in the past with fake debt collectors attempting to extort money from me for judgments that do not exist and this may be another such place.

Company response to consumer: Closed
Consumer complaint received 08/27/2017 about Debt collection (I do not know) with AMCOL Systems, Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Showing incorrect debt owed on my credit report from Amcol Systems Inc. The date claimes to be opened XXXX 2015. This is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (DC).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: Synchrony Financial sent a letter with a credit card in my name that I never applied for to be activated. I called Synchrony Financial and they requested personal information such as a social security number to continue, to which I declined. I searched my records and found Synchrony Financial 's credit card was very likely issued to me via my Amazon account. Both Synchrony Financial and Amazon have been deceptive : the former in their attempt to get me to sign up and Amazon in failing to disclose they have sold or disseminated my information to a third party.

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 06-01-2015 about Debt collection (Federal student loan) with Ability Recovery Services, LLC (MD).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: On XXXX/XXXX/15, I contacted ARS ( Ability Recovery Services ) and spoke with a XXXX XXXX to discuss a settlement request for less than the balance owed. At that time I was informed that my balance could be reduced by {$340.00} and I declined and informed her that I could not pay that amount but could pay {$1000.00} as my offer was also declined. I further informed her that I would be making several payments towards the {$1000.00} and we discontinued the call. XXXX XXXX, 2015, I received a voice mail message from XXXX XXXX asking for a return call. I called and spoke with another representative explaining my situation and he asked me did XXXX ask me/offer monthly payment arrangements and I told him no and he then transferred me to her. I asked the reason for her call BECAUSE I NEVER GAVE HER PERMISSION TO CALL ME and she stated that she wanted to verify if I was still going to make a payment. I informed her that I did not give her permission to call me and reiterated our last conversation and she then began to display her ignorance by raising her voice and being sarcastic, accusing me of not wanting to make a payment, and I became upset and also displayed my ignorance. She hung up the phone and I called back to speak with a supervisor and they transferred me back to her and the argument started again. 

If I never had any intentions on paying my debt ; why would I contact them? I refuse to be bullied by a debt collector or anyone else for that matter and the lack of respect, professionalism, and harassment is unacceptable. I never made an agreement to pay a certain amount or within a certain timeframe and I specifically informed them not to contact me by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: On numerous occasions I have sent Qualified Written Requests ( QWR ) to Select Portfolio Servicing ( SPS ) for them to prove they have written authorization via a valid Pooling and Service Agreement or via a Certified Assignment submitted to the XXXX County Recorder 's Office that they legally and lawfully were assigned as servicer to an alleged note attached to my property by investors of XXXX XXXX Mortgage-Backed Security. SPS was also required explain why they sent me two different Deeds of Trusts to the same property with one dated XXXX XXXX, 2004 that was obviously altered by someone and also contained forged signatures and initials.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Complaint number 5 - XXXX XXXX. 

There are at least 4 prior complaints regarding Equifax 's reporting of this account on my tradeline. 

All complaints have surround the " Activity Designation '' that EQ uses to define the current status of an account, be it Paid/Closed or NA when Open. 

It is apparent that when this value is not accurately set, that the PAY history - fills in wholly inaccurately, as the account has been closed for months. 

I have attached a sample report from Equifax 's own website, and on page XXXX, is an account with a " Closed Date '' and then - an Activity Designator that they display and expect to be present. 

During these XXXX previous disputes with EQ - their manual updates, have destroyed the tradeline. 

The Pay History present previously and - traceable submissions to them by XXXX XXXX, is now gone. 

The Balance History present previously and - traceable submissions to them by XXXX XXXX, is now gone. 

That is attached as well. There is also an attached document from the printed reports showing the Pay and Balance History - deleted. 
This account had perfect payment history. 
This account has perfect balance history, to support its pay history. 

Equifax - if you can not go back to the original creditor and put the account back to which it started and then stood until closure, you have left this trade line inaccurate and wholly incomplete. 



In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of -- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (WI).
Issue: Deposits and withdrawals

Complaint: I filed a claim at my bank where there was fraudulent use of my checking account. Checks were written out to my sister by my sister twice a month over a six month period before I caught it and reported it. I did file a police report. The amount taken was {$6500.00}. After a three month investigation the bank only returned {$2500.00} to my account. I would like to try to recover the other {$4000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/30/2016 about Bank account or service (Other bank product/service) with First Data Corporation (NJ).
Issue: Deposits and withdrawals

Complaint: XXXX bank bounced out check to XXXX in XXXX 2016. XXXX uses TRS Recovery Services Inc to collect on all check issues.TRS has processed now twice a Pre Authorized Paymemt tbru our checking account now twice after sending us by mail a Letter for demand of the insufficient funds fee to be paid via credit card money order etc. 
TRS trying to collect the fee by numerous different ways seems like fraud to me along with this created document that the bank accepts as a preauthorized payment that we did not authorize. 
Furthermore the preauthorized document according to XXXX bank has numerous issues with it. Besides not being our check, having no signature or authorization on it, it is made payable to XXXX and TRS is not XXXX along with the coding number of this being a recurring charge for a membership. 
Lastly it was my understanding that by law no company can not collect more than the face value of a check via your checking account but this company seems to be legally doing that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (WA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: No written notice. No communication. Did not receive notice of right to disputed. Sent info to my credit report. Not enough correct info to verify debt or amount. After I filed a complaint to XXXX I recieved an email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (CT).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: OnXX/XX/XXXX I received 3 letters which stated O owed money. On XX/XX/XXXX I sent letter asking for verification of debts and to only be contacted by mail. I continue to get continuous calls at home as well as on my cell phone. The company failed to provide verification. OnXX/XX/XXXX i received 3 letters which state the company was thinking of forwarding my accounts to an attorney for possible litigation. 2 months prior I had a phone conversation with the company and they threatened with the same action. I sent a letter in return and attached a copy of my previous letter from XX/XX/XXXX. OnXX/XX/XXXX I received 3 more letters stating they reviewed information and found their records were correct and again I sent letter in return. While typing that letter todayXX/XX/XXXX I again received a call from them on my cell phone. Unverified information is still being reported on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Stellar is showing a collection account for & XXXX regarding XXXX. I have a current account with XXXX at my home of 12 years. I have forwarded a current paid up account invoice with all account details. I am not in arrears with XXXX and this collection account should be removed. No verification ever provided although requested and disputed at all Credit Bureaus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Debt collection (Other debt) with EOS Holdings, Inc. (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I have told this Company 's my bill should not be with you. The State of New Jersey do not have this Company 's is not listed with New Jersey Banking and Insurance so they can not collected a payment from me. Need your help please.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: The three main CRAs are reporting student loan accounts that are ten years old and have been requested removed via the FCRA ; those same bureaus are reporting balance transferred, closed accounts, or delinquent on these older accounts ; several of the closed student loan accounts are also showing unknown on payments for several years, except for late payments within those accounts ; I have called the original creditors off those loans/ accounts and they have stated the account is no longer accessible and they do not report to any off the CRAs. I am requesting immediate removal of those accounts labeled under XXXX XXXX ( 2 ) ; XXXX XXXX XXXX ( 2 ) ; and XXXX XXXX XXXX XXXX ; the  above aforementioned accounts have been requested for removal

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