milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/16/2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (FL).
Issue: Trouble during payment process

Complaint: I get a modification loan 3 years ago, and because of my low income the mortgage monthly payment was established and signed by Bayview Loan Servicing in $ XXXX From XXXX to XX/XX/XXXXto present i have been receiving letters of intimidation from Bayview ( available upon request ) saying i had to pay them between {$5000.00} and {$6000.00} the amounts varied ; Bayview also put the whole value of the house in my credit {$31.00} making my credit notably lower. All is wrong information as I never failed in paying my mortgage payment. On XX/XX/XXXXBayview sent me a letter saying my Condominium had failed in presenting proof of hazard insurance. Innumerable letters to the Condo asking for that proof were never answered but finally and after uncountable emails to Bayview I received a letter from them dated XX/XX/XXXX here included saying " the lender placed insurance we purchased for your property is cancelled effective XX/XX/XXXX ''. But on XXXX XXXX I received a mail from Bayview saying " we do not have proof of coverage from XX/XX/XXXX-XX/XX/XXXX. If you are able to provide a copy, we will be able to cancel the lender placed insurance that is effective for this time frame. The condo will not provide a copy directly to me. Next thing is Bayview has returned my current XXXX payment without a letter or explanation. In their website my acct shows i have to pay {$260.00} a month, that 's wrong, and is not the established modification amount.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: It was explianed that I have open up an account witt his company and have had my phone sevices with another company for over 15 years. I feel this is a result from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Hello, Please remove the following from my credit report. The address XXXX XXXX XXXX XXXX  XXXX and the cactus address from my credit file, I never lived in XXXX Arizona. Please delete the XXXX XXXX address I never lived in XXXX. 

Thanks

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 04/14/2017 about Bank account or service (Other bank product/service) with SCHOOLSFIRST FEDERAL CREDIT UNION (CA).
Issue: Deposits and withdrawals

Complaint: My retirement account hardship withdrawal is being delayed and processed in a discriminatory manner by a mean-spirited manager at my employer 's third party administrator, Schools First FCU. I originally submitted the hardship withdrawal request request to the custodian of my retirement funds, XXXX which received the same documentation ( attached ) and they issued an approval one hour later by Facsimile. The approval is noted on the first page of their facsimile. That same day, Monday XX/XX/XXXX, I submitted the required forms to my credit union which is also my employer 's Third party administrator of all retirement plans. After two days, a young lady named XXXX called me on Wednesday, XXXX, and informed me that a lesser amount than the {$8100.00} that XXXX had been approved, after I questioned the reasoning behind the lesser amount the hardship request went from being approved at a lesser amount to denied altogether. Since, Wednesday I have attempted to address each concern raised by XXXX in telephone conversations via telephone. However, the manager XXXX keeps insisting on a certain form or " invoice '' that is non-existent in order to approve my hardship withdrawal request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Bank of America willfully and criminally decided to break the law by offering a credit card with a promotional APR of 2.99 % and then refusing to honor that rate immediately after issuance, under the criminal coercive strategy that If I dispute the interest as an individual my creditworthiness would be impacted. To add insult to injury, the telephone banker corruptly seemed to offer to rectify the situation with a different department when she was just attempting to coercively sell me more products to fix the error that Bank of America willfully created. 

This incident, coupled with the bankers later misconduct, is a textbook case of violating UDAAP and the Card Act of 2009. If Bank of America does not remit all erroneous interest charges and correct, I will sue Bank of America in federal court.

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 11-04-2015 about Mortgage (Conventional fixed mortgage) with Selene Finance LP (PA).
Issue: Loan modification,collection,foreclosure

Complaint: SELENE FINANCE is reporting the credit agencies that I have a delinquent mortgage with them. However, SELENE FINANCE acquired the mortgage from XXXX XXXX after the house was sold at foreclosure and the lien released.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am a veteran of the XXXX military and I have student debt mainly from XXXX. I read about the lawsuit between the XXXX XXXX XXXX XXXX and Navient and want to tell my story. I started repaying my student loans through XXXX when I graduated University in XX/XX/XXXX by auto-drafting from my bank account. I have never missed or been late on XXXX single payment and remain in good standing with my loans. In the summer of XX/XX/XXXX, Navient ( after XXXX split ) my loan service provider unexpectedly and without my consent changed my monthly payment amount and automatically had me pay a significantly lower monthly amount while simultaneously extending the payment term dates in order to generate more interest profits for the company. Once again they did this and did not disclose they had done so ; I reviewed my online account and noticed the change myself. Navient never sent me any request for this change. I contacted the company by telephone and asked them how they could possibly alter my payment agreement without my consent. They stated that they were trying to save me money by reducing my monthly payment. I explained that this would not save me money, but increase my interest payment by extending the term of my loans. I had them alter the payment back to the previous payment schedule with a slight increase in principle payment in order to close the loan out faster. I never received an amoritization schedule and do not know if the multiple changes performed to the account ever created any principal balance errors. This covert action has probably happened to millions of other student loans potentially generating millions if not billions of dollars for Navient, who is supposed to simply service our loans to the contracts subscribed. At this point I had been paying my loans for XXXX years when they attempted to cheat me. They may have even cheated me previously under XXXX and I may not be aware. Need to watch this company like a hawk as they have no moral compass. Please contact me if you would like to speak or include this information in the lawsuitXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
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: XXXX and Equifax are continuing to report a collection item the collection agency has discontinued reporting to them. See included documentation ...

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was served by Midland Funding LLC, I have asked XXXX ( a law firm representing Midland ) for validation of debt which they have refused to provide me with any evidence that it belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (IL).
Issue: Using a debit or ATM card

Complaint: XXXX issued a {$50.00} debit card to me. It expired XX/XX/XXXX and I would like it to be reissued to me.

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 03-11-2017 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (AR).
Issue: Problems when you are unable to pay

Complaint: I XXXX XXXX, phone number:XXXX, address : XXXX XXXX XXXX XXXX XXXX, AR XXXX, purchased an ATV in XX/XX/XXXX through American Honda Finance ( Account XXXX XXXX ), I had 100 % on time payments until my spouse was laid off from the oil field and we were forced to file a Chapter XXXX Bankruptcy. This loan was fully discharged and included with our bankruptcy that was finalized and reported to the credit bureas on XX/XX/XXXX. We recently tried to apply for a refinance loan on a different auto loan, and since the bankruptcy our payment history has been 100 %. The loan officer called and said that the credit bureas were showing that we were 60 days late on this ATV loan and that it was showing open and active. We have not even had the ATV since XX/XX/XXXX, not just that but after 2 years now they are reporting it is an active account and reporting delinquency in payment history. This was written off and we did NOT reaffirm loan, So I 'm not sure why they chose to start reporting this invalid loan all of a sudden 2 months ago. This is very frustrated for someone who is trying to rebuild and doing everything right. I need this off my credit ASAP. Any help to do so would be greatly appreciated. As you can seen on the documents I have sent that everything stated is legitimate. There should be 3 attachment including my original Bankruptcy paperwork that shows this loan was included in Chapter XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-07-2017 about Debt collection (Credit card) with Lloyd & McDaniel, PLC (KY).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I learned in 2013 a company named XXXX had filed a XXXX negative reports to the credit bureaus for a claim on XXXX and XXXX XXXX credit cards. I wrote and asked them about the reports, asked them to provide proof of a debt to which I was unaware, and to cease and desist. They mailed me statements that reflected fees and interest and otherwise gave no information. Apparently, then it was given to Lloyd and McDaniels and I wrote Lloyd and McDaniels and again inquired. Since my efforts, a suit was filed and a judgment granted, all without my knowledge even though they had my contact information and we were corresponding and talking by telephone, no one told me. I found out when my checking account began being garnished! This has caused me a great deal of stress and additional financial problems because of the garnishment. I may now have to file a bankruptcy! I need help getting the judgments repealed, the reports removed from my credit bureaus and my garnished money returned to me. This should never be allowed to happen to any American consumer. I believe these companies have acted illegally and in bad faith pursuant to Kentucky statutes of the Fair Consumer Act and the Federal Trade Commissions policies and ordinances.

Company response to consumer: Closed
Consumer complaint received 04-12-2017 about Debt collection (Medical) with Tormey Bewley Corporation (NM).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am writing in regards to my son 's account, XXXX,, Account # XXXX. I am disputing this past due balance associated with XXXX for the amount of {$190.00}. I contacted the original creditor and they are unable to verify if they sent me an invoice for the amount due prior to sending this account to collections. In addition, they are unable to verify if the insurance was billed for said charges. I need the account turned back to the original creditor so they can bill my insurance correctly. We have a primary insurance & a secondary insurance - I should not owe anything since the secondary insurance covers 100 % of the billed charges. The original creditor can not validate if the insurance was ever even billed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (MI).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage has been with Seterus for a number of years ; I did n't " chose '' them -- they took over an existing loan. I have had minor problems with them in the past but recently they did not send me my bill until shortly before it was due. As a result, I neglected to make a payment until the last minute ( not intentional -- I was just used to receiving the bills well in advance of the due date ). In XXXX instances, I tried to make the payment online but was unable to do so due to technical issues with their site. When I called in, they let me make a payment over the phone but charged me extra. Even though I complained about this the first time, it happened again with respect to the bill due in XXXX. When I called in, they let me make the payment over the phone but insisted that I pay the surcharge. When I complained they said they would drop the surcharge from {$10.00} to {$5.00} XXXX which is what the website would have charged XXXX but, infact, they charged me {$10.00}. So, my complaint is regarding their negligece, their tardiness, the difficulty of using their website, their inconsistency, and the fact that they did not do what they said they would with respect to the surcharge. I think they are incompetent and are gouging me. Loan number is XXXX, Their phone is XXXX. Fax is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Debt collection (Medical) with Express Recovery Services, Inc. (UT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Express Recovery Services called asking for my wife. When I said she was unavailable they asked me if I were her husband, I told them I was, then told me who they were and never read the disclosure. When I said do n't associate me with this debt they said they could n't since she knew I was. That is when I stated I had been entrapped and disclosures regarding debt collection were never made and refused to produce evidence to the contrary. FAILURE : to follow proper disclosure requirements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 06/19/2015 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA).
Issue: Fraud or scam

Complaint: A girl by the name of XXXX XXXX that I knew only from social networking via XXXX said she works for " XXXX '', an investment company that you can collect unclaimed taxes from. The deal was to MoneyGram her company XXXX $ and in return I would get XXXX payments of a total of {$5300.00}. I do n't know why I believed her but I did and I sent her the money to Illinois under the name " XXXX XXXX '' and shortly after some text messaging correspondence I never heard from her again. I just want my money back and I 'm doing anything I can do get it back. I have attached all supporting evidence I have. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Contacted the credit department at Bank of America. The representative preformed a search for the referenced account using my social security number which I provided. No information was found. They then transferred me to another department, both departments then concluded I am not a customer. 

My credit report shows two opened, revolving accounts with BOA which I did not open.

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 02-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
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: Equifax is still continuously reporting high incorrect balances and current balances are being changed from paid in full to high balance that is incorrect. I was never late on my XXXX account, and also you will see I have paid both accounts off in full. They do not allow the consumer to dispute online or via any way period. They are corrupt, along with XXXX, and XXXX. During the recent Government shut down, they especially took advantage of the down time, denying consumers access to reports, disputes, or any attempt period to have a fair credit report. I am trying to purchase a home for me and my family and they are purposefully at this point breaking the law by not allowing the consumer access to their own reports, along with no access to dispute incorrect information. This is how smart they are, you can't even pay to have access. LOL kind of defeats the purpose of being in business, or am I taking crazy pills here?

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2016 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have put in disputes through the credit bureau, as well as, sent validation letters to XXXX. This is a false debt that the company is trying to collect on. I did not recieve any response from XXXX in response to the validate or delete letter I have sent. I have also have not received sufficient evidence from the credit bureau that they indeed had the creditor themselves validate or delete the false account.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2015 about Debt collection (I do not know) with TRUSTMARK CORPORATION (NC).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: On Tuesday, XXXX XXXX, my XXXX year old father was contacted by someone saying that they had legal proceedings against me. My father only has a cell phone and lives on the other side of the country from me so I have no idea how they were able to contact him. I got the phone number from my dad and called today, XXXX/XXXX/15. The man on the phone, XXXX XXXX, said that they were not trying to collect a debt but had legal papers that they needed to serve me and wanted to get my information. I would n't give it out to him and the man became very hostile. I was finally able to get the company name from him before I hung up. It is Trustmark Corporation. I have never had any dealings with any company of this name. I do not have any outstanding collections for any bank or credit card. I am very upset that this company called my dad and upset him.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2015 about Payday loan () with Financial Asset Management, Inc. (MA).
Issue: Charged bank acct wrong day or amt

Complaint: On XXXX/XXXX/15, I received information from a credit monitoring service noting that on XXXX/XXXX/15 and XXXX/XXXX/15, Check City XXXX, in XXXX Utah had opened XXXX accounts under my name and personal information. XXXX loan is for {$700.00} of which I did not authorize as someone fraudulently obtained my personal information including SS # to open an account. On XXXX/XXXX/15, I sent a fax to Check City XXXX asking them to investigate this issue and advise how me may resolve this matter since my information was fraudulently obtained. Included in my fax was copy of my MA Driver 's license to prove my identity. I did not hear back from Check City XXXX and on XXXX/XXXX/15, I called this establishment and had to leave a voice-mail message outlining this issue since no one answered the phone. To date, I have not heard back from Check City XXXX either by verbal or written communication. Clearly, my identity has been compromised and accounts established using my name and SS #.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Checking or savings account (Other banking product or service) with WELLS FARGO & COMPANY (NC).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I am part of the wellsfargosettlement class action lawsuit. I'm confused about the acounts opened in my account, when my retirement savings account money began to disappear. I had basic accounts, I earned less than 2000 monthly. I was confused about the way my retirement savings was gone within 2 years. More than 40,0000. I have tried to get the bank to help me understand the situation. There explanation makes no sense. I didn't open 4 accounts. How do I get the reimbursement. Now the bank has my original accounts for my s.s. checks. Basically the same thing before my retirement Fund was available to the bank.

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