milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-12-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX of Bayview Loan Servicing , LLC, Customer Support called XXXX XXXX, ( mortgagor ), on XX/XX/XXXX @ about XXXX EST. XXXX XXXX 's call was in response to previous messages left by XXXX XXXX, inquiring as to why the XX/XX/XXXX & XX/XX/XXXX payments had not been posted. XXXX XXXX specifically told XXXX XXXX that her payments were being returned to her, as the home is going into foreclosure, as a result of a past due balance that Bayview Loan Servicing has NOT and can not verify the debt as being past due and owed. XXXX XXXX further stated that there are NO PAYMENTS on the account for the year XX/XX/XXXX-XX/XX/XXXX, which is totally false as XXXX XXXX have processed checks showing that each check was infact received and deposted by Bayview Loan Servicing , LLC & posted to the Loan Account number. However Bayview Loan Servicing has obviously misapplied these payments. On behalf of XXXX XXXX, I have previously sent RESPA letters requesting validation of this mysterious outstanding balance that Bayview Loan Servicing , LLC claim that is owed. To this date, Bayview Loan Servicing , LLC has NOT. To add insult to injury, XXXX XXXX further attempted to get XXXX XXXX to consider an UNNECESSARY Loan Modification for this unverified mysterious past due balance. As I was listening to the conversation via speaker phone, I asked XXXX XXXX/my mother to have XXXX XXXX Call my phone, as by Powers of Attorney I am authorized by XXXX XXXX and the POA has been received and acknowledged by Bayview Loan Servicing , LLC . Upon XXXX XXXX calling my phone, I immediately began a legal phone recording. XXXX XXXX immediately terminated the call. 
On or about XX/XX/XXXX, did in fact receive back ONLY XXXX of the checks. With a letter explaining that the XX/XX/XXXX payment was inadvertently dated XX/XX/XXXX by XXXX XXXX and there fore could not be deposited for the stale dating. XXXX XXXX then processed the payment for XX/XX/XXXX via phone with a customer service representative of Bayview Loan Servicing , LLC . 

XXXX XXXX maliciously and willfully misrepresented that the home was going into foreclosure, in an attempt to intimidate XXXX XXXX into agreeing to this unverified past due balance, and offered her two options. Pay the amount or Agree to a Loan Modification to include this mysterious past due balance. XXXX XXXX has intentionally and willfully violated the FDCPA, and other state federal consumer protection laws as well as banking laws. 

Bayview has in fact sent out a few Notices of Intent to Accelerate that are defective in that they all include a Past Due amount that is not past due at all.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: To whom it may concern : My credit score has been dropping over the few months ; when researching the cause, it seems that there is an " outstanding balance '' on on my XXXX XXXX credit cards. However, I had already paid this credit card off in full and therefore, did not believe that I had any balance left to pay. When my credit score dropped by another XXXX points this past round and the outstanding balance was cited again, I saw that there was an outstanding charge of {$1.00}. When reviewing my statements, it looks like even after I 've paid my last amount in full, there was a retroactive interest charge / fee that was applied without my knowledge, resulting in the {$1.00} balance that was applied in XX/XX/XXXX and carried over into XX/XX/XXXX. When I called XXXX 's Credit Card services, they removed the {$1.00} balance as a " courtesy '' ; however, they cited this charge as an interest charge. Despite the generous removal of this {$1.00} balance, my credit score has taken quite a hit. Therefore, I was wondering if there is any way that I can rectify this situation and / or if there are other factors that are contributing to my low score. Please let me know if there is anything that I can do / if you need additional information from me. Warmest regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (FL).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: On XX/XX/XXXX my Chase Freedom credit card customer service claimed they regularly review account and credit information for all of their customers. Based on their review, they decided to substantially reduce my credit line from {$10000.00} to {$3300.00}. Chase claimed their decision was based on delinquency reported within the last 48 months, balance owed on revolving accounts too high, and account in collections in the last 48 months. They also said XXXX was their source and that my credit score was XXXX. First off, I obtained my Chase credit card on XX/XX/XXXX by a " pre-approval '' offer sent by Chase so that trumps their argument of delinquency reported within the last 48 months. Secondly, my revolving credit card balances they claim are too high is below 30 % on most of my credit card accounts. I always pay my bills on time. As of XX/XX/XXXX my XXXX credit score was XXXX. I believe this is a criminal and unlawful attempt to derail my credit worthiness. This decision came without notice, and has now demolished my credit ratios, and is adversely affecting my credit scores. Chase customer service has been very unhelpful. Chase has broken their fiduciary responsibility to  their customers private information.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2015 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have repeatedly asked Experian, by both online dispute and phone dispute, to disclose my current address as my current address on my Experian credit report. ( And, to delete all old previous addresses. ) Experian will not state my current address XXXX XXXX XXXX XXXX, XXXX, MA XXXX as my current address on its credit report. Instead, they list this address at the bottom of a very long list of previous addresses, with a former address at the top of this list, where they continue to send me mail, and which my former roommate continues to write on the envelopes " RETURN TO SENDER/NO SUCH PERSON AT THIS ADDRESS. '' Despite my former roommate doing this, and despite my complaints to Experian by phone and online, Experian continues to fail to use my current address as my current address ( and refuses to delete all other former addresses on their very long list ). Experian keeps my current address at the bottom of their long list of former addresses for me on my Experian Credit Report. This situation causes problems for me whenever an agency or entity relies upon Experian to verify my current address, as such recently happened with my XXXX XXXX renewal form. Because XXXX relies on Experian, and because Experian keeps using a wrong address for me, I was not able to renew my XXXX online, as XXXX XXXX 's summary of my renewal said I now have to submit to them " Proof of Residence. '' If Experian would have included my current address as my current address, instead of deliberately keeping my current address at the bottom of a long list of former addresses they refuse to delete, then I would not now have to go and manually submit proof of residence to XXXX XXXX, but now I have this xtra burden because XXXX XXXX relies on Experian and Experian wo n't use my current address as my current address. Attached is the dispute results I already received from Experian falsely claiming they deleted all the former addresses when they actually did not, as well as the current Experian Credit Report for me dated today ( showing a total of XXXX former addresses, with my current address at the bottom of this list ), and a copy of the result of my attempt to renew my XXXX XXXX online, showing they now want " Proof of Residence '' because the Experian address for me did not match my XXXX XXXX residential address I truthfully included on my XXXX XXXX renewal. Note I have resided at my current MA address for more than three years. I can not get Experian to correct this situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX IS FAILING TO REPORT TO CREDIT REPORTS FAIRLY AND OUTSIDE THE GUIDELINES. THE STATUS SHOULD BE REPORTING JUST LIKE XXXX SEE ATTCHED REPORTS. 

PAID IN FULL, CLOSED AND TRANSFERRED LASTLY XXXX AND ALL TRADELINE ARE FAILING TO REPORT 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 non-monetary relief
Consumer complaint received 05/29/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Billing disputes

Complaint: FIA is reporting a balance that is fraudulent and has arbitrary instead of removing the fraud transactions closed my account, this has caused me great harm and as such to put mildly the final straw

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have filed disputes against a debt on my XXXX credit report. I have spoken to the original creditor, and I have spoken to the debt collector. Both have stated that they do not have me in their records. Both have verified that my name and social does not match, and that it is a mistake. Neither are willing to provide a letter reflecting that. Both assure me that filing a dispute with XXXX would fix the problem, but I have done this twice and no deletion. XXXX has told me that upon investigation, The collections agancy, has replied that the debt is indeed mine. I have never lived in that apartment complex. The collections agency, Procollect, has given me the run around completely. They give me extension numbers, and email addresses that dont exist. They asked me to call them back with proof that they were reporting onto my XXXX account. I hung up the phone logged into XXXX, and called them back. They stated that no one by the name I was given works at that office. It literally took less that 10 minutes. Other times I have called and they connot fine the file in question. My bank has a debt resolution company that was assigned to my case. Except Procollect doesnt accept calls from 3rd parties. In dealing with Procollect, I have been yelled at, called a liar, and hung up on. I would hate to see how people who actually have a debt are treated.

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 02-07-2018 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: The Credit bureaus are reporting inaccurate information on my report of a bankruptcy that should not be reporting. I have tried disputing this information for almost one year and they don't seem to care or want to take it off. I contacted the Bankruptcy court and they have not reported anything to the bureaus and said third party companies maybe reporting inaccurate information.

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 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am XXXX XXXXXXXX Equifax STILL insists I am not. Emails and USPS Mail arrive in NOT MY NAME > I WILL NOT OPEN USPS ADDRESSED TO NOT ME. As far as I am concerned, NO effort is being made by Equifax to corret the Illegal Information gathering and distribution. I see it as a constant and demeaning abuse for them to CLAIM all is better now. As well as deceitful, deliberate act.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Consumer Loan (Personal line of credit) with PAYPAL HOLDINGS INC. (MN).
Issue: Shopping for a line of credit

Complaint: Paypal XXXX pulled my credit without my authorization on XXXX XXXX, 2014 resulting in a hard pull with XXXX. This inqueries is hurt my credit rating. Also I was signed up for PayPay credit line without my consent. I never applied for a credit line, this was never authorized and I never plan to use paypal credit.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Late fee

Complaint: I have had a lowes account since XXXX. I have paid the same date, through my bank since that time. I was charged a late fee on XXXX/XXXX/16 for XXXX, despite having paid well over the minimum requested payment, as I always do. Again, payments are automatically posted on the XXXX ( depending on business day of that month ). 

XXXX in Lowes customer service ( XXXX ) was completely unhelpful or apologetic ; told me I am paying too early and I should be changing my payment to " the XXXX '' to avoid the issue. Again, in 1 years time, this is the first time they have charged me a late fee ... ..

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 08-10-2017 about Mortgage (Conventional home mortgage) with Selene Finance LP (GA).
Issue: Struggling to pay mortgage

Complaint: we were advised by the lender the file was removed from review due to missing items - All missing items were provided for the review 3 times and the lender refuses to accept the information being provided - it was requested to provide the clients husbands income for review of the modification - XXXX XXXX is not on the mortgage and did not start work until XX/XX/XXXX he has been unemployed since XX/XX/XXXX- XXXX does not have a bank account - all transactions are completed by cash only - there are no tax returns due to the business being only started since this year and he is not required to file for the earning of this year until next - We were also advised that a sale date was set on this file XXXX - when the file should and was under review with the lender - the lender has set this date for XX/XX/XXXX - this is considered Dual tracking and is in violation of Regulation X. The file should have been deemed complete for this review - the lender has been provided a letter of explanation regarding the husband 's income to satisfy their requests. We have also requested the income from the husband be excluded from the review if the Letter of explanation is not satisfying the requests. The lender has not completed the review of this loan properly and did not reviwe this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Mortgage (Conventional fixed mortgage) with BANCO POPULAR DE PUERTO RICO (PR).
Issue: Loan modification,collection,foreclosure

Complaint: My mortage comapany Banco Popular of XXXX, refuses to modify my loan so I can keep my home. Investor is XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Debt collection (Other debt) with The CMI Group, Inc. (SC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XXXX XXXX, XXXX I received a notice from Credit Managemenet, L.P. on behalf of a debt owed of {$340.00} to the creditor XXXX XXXX XXXX dated XXXX XXXX, XXXX. I immediately called XXXX XXXX company to inquire about the notice because the amount on the notice and the information in regards to the notice was inaccurate. I spoke to a customer service representative ( Agent # XXXX ) in regards to my account and final bill. The agent stated that there was " in summary '' nothing she could do about it because it was handed over to collections. After 25 minutes of explaining the situation and problems with the account she deliberately muted my call and refused to speak. I then hung up the phone after allowing the phone call to elapse for 2-3 additional minutes. I then called XXXX XXXX back on XXXX XXXX, XXXX and spoke to a different customer service representative ( Agent # XXXX ). I requested to speak to a supervisor immediately and was not connected to a supervisor for 20 minutes after being on the phone with the above stated agent. There was a language barrier and it was hard for me to understand the agent and the agent to understand me. The agent repeatedly asked how could she help me with the account and I responded that she could help by connecting me to a supervisor. After 20 minutes I was finally connected to a supervisor ( Agent # XXXX ) to discuss the problems with my account. I stated to the supervisor that I had just RECENTLY CANCELLED my cable on XXXX XXXX, XXXX and I DID NOT RECEIVE a final bill from XXXX XXXX. I was extremely frustrated because I was n't given a final notice of the amount owed ( which was incorrect on the notice from the collection agency ), I was n't given an appropriate amount of time to pay the bill ( my cable had n't been off for a month ) and I received this aggressive letter from the collection company ( threatening to DESTROY my credit ) by reporting my account to all three collection beareaus if I did n't pay within 30 days. The supervisor told me that XXXX could not produce a final bill in writing until the end of my billing cycle which would come out on XXXX XXXX, XXXX and the actual amount I should be corrected to the ACTUAL amount due {$190.00}. However, I would have to settle my debt with the collection company and contact them for a final notice. AGAIN there was nothing XXXX could do because my account had been turned over to the Credit Managemnt Collection Company. On Friday, XXXX XXXX, XXXX, I called the collection company and they stated that NO CHANGES had been made to my account on behalf of XXXX and that I still owe {$340.00} to their company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Personal data was exposed in data breach. Equifax has left my family in I vulnerable for the rest of our lives. Something needs to be done to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This debt was purchased by Portfolio Recovery in which XXXX XXXX XXXX XXXX is listed as the original creditor. 

I am disputing this debt and I claim I have no responsibility for it. I have previously disputed this debit and asked for information to validate these debits.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stillman Law Office (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XX/XX/XXXX I was charged by XXXX nearly {$700.00} for services I did not use. Thru multiple telephone conversations XXXX finally admitted that the bill might have been improperly charged. Being that no debt appeared on my credit report I assumed the matter was cleared. Now I find nine years later an attorney in XXXX, Stillman Law Office, has garnished my State income tax return. The most incredible part is this situation is the " debt '' is outside the statute of limitations. Even if it were legitimate The Michigan Judicature Act of XX/XX/XXXX clearly states that this is an attempt to collect a bill that was charged to me nine years ago. Would you please help me with this?

Company response to consumer: Closed
Consumer complaint received 11-09-2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I checked my XXXX Credit Report and discovered that Credit Collection Services was reporting on my report. I have never heard of them. I have n't received any Validation from them about any debt I supposedly owe. I do n't have a contract with them neither have I ever received any documentation about this company or the original creditor that 's been reported. I want this negative reporting deleted from XXXX credit file.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation