milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/27/2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (AZ).
Issue: Struggling to pay mortgage

Complaint: Subservicer Bayview Loan Servicing LLC, keeps sending Loan Adjustment Agreement or permanent modification agreements with illegal conditional waivers. Bayview Loan Servicing has dual tracked borrowers for over a year and attempted foreclosure on borrowers over ten times while borrowers are in a current active workout and making payments on a trial payment plan for over a year. Subservicer Bayview Loan Servicing uses a tactic of sending the permanent modification out with illegal conditional waiver for borrower to sign. Then when borrowers fail to give up their rights because the permanent modification agreement has illegal conditional waiver Bayview Loan Servicing will state to the CFPB borrowers declined the permanent modification agreement or borrowers failed to return the permanent modification agreement ; however, Bayview fails to tell the CFPB they put a illegal conditional waiver in modification agreement demanding borrowers give up rights so that Bayview Loan Servicing can dual track them, the waiver also demands borrowers to give up their rights to an attorney and a trial by jury. Therefore, we are providing the Attorney General proof that we did n't decline the modification agreement and have submitted the following to Bayview Loan Servicing LLC. Bayview stated in a response to the Consumer Financial Protection Bureau that they had a right to put the illegal waivers as a condition to the permanent modification agreement. Bayview Loan Servicing LLC, also threatened us and stated if we fail to return the permanent modification agreement signed with the illegal conditional waiver giving them right to dual track us, taking away our right to an attorney and also taking away our right to prevail in court if they foreclose then Bayview Loan Servicing LLC has had us in a trial payment plan current active workout for over a year and threaten us stating they will put all the trial payments plan payments into a suspense account and foreclose on us

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Debt collection (Other debt) with Hunter Warfield, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Hunter Warfield Inc, was mailed a Certified and signed Cease and Desist Letter, in that envelope was also a notification detailing their Violation of my Fair Debt Collection Practice Act rights and a demand for remove the false information from all my credit reporting files immediately. Hunter Warfield Inc. has ignored my communication for removal of the information. 

Copies of the two separate documents mailed by certified USPS to Hunter Warfield Inc. are attached. Also attached is the USPS Certified stub and copy of the delivery confirmation of that envelop to Hunter Warfield Inc. 

I formally request this case be forwarded to the Federal Trade Commission for a violation of ( 809. Validation of Debts ). As stated in the copy of the letter attached that was mailed by certified USPS to Hunter Warfield Inc.

Hunter Warfield Inc. made no attempt to notify me ( 30-day notification ) of the attempt to collect this alleged debt, it was simply placed on the credit reports in clear violation of my FDCPA rights to dispute and demand verification ( see attached copy of the letter attached that was mailed by certified USPS to Hunter Warfield Inc., titled Violation of Fair Debt Collection Practice Act.

There has been no attempt to correct the FDCPA Violation since receipt of notification of those violations, per the certified letters mailed and received by Hunter Warfield Inc. The Emotional Distress of Hunter Warfield Inc actions are unmeasurable.

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 06/25/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NV).
Issue: Closing/Cancelling account

Complaint: My husband is on a solo bicycle trip In XXXX XXXX. Not wanting to take cash, he took XXXX credit card Capital One Visa. While In a very remote location, without any warning Capital One Visa deactivated both my husband 's and my cards and All transactions rejected. I am not In need of the card but my husband is stranded in a remote arena without means to pay for food or shelter. When he contacted Capital one, they connected him to the Fraud divison. They said the card was rejected and wo n't give a reason why. They requested him to send them certain identification information He did tthis. Capital One Visa response was that this was not sufficent and requested he send more information which he did not carry with him. He called me In the US & I sent the additional information. I have confirmation that they recieved it, yet they say they have not recieve it. I sent the same required Information to my husband in XXXX & he resent it. This dispite capital one Viisa Venture card is requesting personal information that was not required to even qualify for this card. Im concerned & suspicious In addition to being very upset with the non concern, rude treatment from the members of the Fraud staff. They even told me that this capital One Visa Venture card is not connected to Capital One Bank. I am afraid this is a scam and invollves the Use of giving bonus points after spending {$3000.00} dollars within 3 months. We paid them {$3900.00} within one month and they canceled the Capital One Visa Venture card at the most inoportune time possible, to avoid the bonus offer. No reason, No help, and it appears possible data mining & possible identification Fraud from the " Fraud Dept '' of Capital One Venture Visa. I reguest you please investigate this company and prevent others from this most distressing experence.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Called Barclay Bank when I saw a hard inquiry on credit report. The report said they checked my credit report on XXXX 2017. When I called they said they had no record of checking my report and told me to dispute it.

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 02-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Paid my bill in full before the due date, got charged a finance charge of XXXX, called Capital One 6+ times got a different excuse for being charged, asked to speak to a manager was denied to speak to a mgr, told they dont have phones, they only do admin work, they dont take calls and so on,

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Bank account or service (Savings account) with CITIBANK, N.A. (CA).
Issue: Deposits and withdrawals

Complaint: I have a checking and saving account at XXXX Bank. On XXXX XXXX, 2015 I canceled a recurring debit of {$490.00} payment from a company by the name XXXX. Meaning I no longer authorized for payments. I do n't owe XXXX I canceled my contract with XXXX in XXXX 2015. On XXXX XXXX, 2015 I had a direct deposit cleared, the canceled payment of {$490.00} was debited from my saving account on the XXXX XXXX, 2015 but, back posted on XXXX XXXX, 2015. The funds was not in my account on XXXX XXXX, 2015. XXXX Bank knows I have direct desposit bi-weekly so, the payment cleared and I was charged a fee for not having the fund in my saving on XXXX XXXX, 2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-06-2015 about Debt collection (Mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX, XXXX bac XXXX XXXX XXXX XXXX, XXXX GA XXXXThe parties above, Has all committed Fraud and not allowed me to apply for short sale by home and by NOTgiving me the correct " notice of service '' to foreclose my home at XXXX XXXX XXXX, # XXXX, XXXX, GA XXXXThe parties above, Has committed Fraud by not giving to me the correct " notice '' that B of A is not the mortgage servicing agent to pay the monthly payment for my home at XXXX XXXX XXXX, # XXXX, XXXX, GA XXXXThe parties above, Have all committed Fraud by their refusal to permit me to apply for HARP to lower my home loan payment to avoid the fore-closer of my home at XXXX XXXX XXXX, # XXXX, XXXX, GA XXXXResend and STOP THE Foreclosure, HAVE THE BANK WORK WITH ME TO START A SHORT SALE AND HELP ME TO KNOW FOR SURE WHO IS THE CORRECT SERVICING LOAN MORTGAGE COMPANY. 

The parties below, Have all committed Fraudand are planning a foreclosure sale on XX/XX/2015 in XXXX XXXX GA. 
Bank of America Mortgage XXXXandXXXX XXXX XXXX XXXX XXXX, XXXX bac XXXXALL the parties above, Have all committed Fraud and not allowed me to apply for short sale by home and given me the correct " notice of service '' to foreclose my home at XXXX XXXX XXXX, # XXXX, XXXX, GA XXXX the parties above, Have all committed Fraud by not giving to me the correct " notice '' that Bof A is not the mortgage servicing agent to pay the monthly payment for my home at XXXX XXXX XXXX, # XXXX, XXXX, GA XXXX the parties above, Have all committed Fraud by their refusal to permit me to apply for HARP to lower my home loan payment to avoid the fore-closer of my home at XXXX XXXX XXXX, # XXXX, XXXX, GA XXXX XXXX XXXX officeXXXX cellXXXX XXXX XXXX officeXXXX cell

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: inaccurate information showing up on my credit report that are not mine or balance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2016 about Credit card () with BARCLAYS BANK DELAWARE (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I had a XXXX card through Barclay bank 2 years ago. There was a fraud after the second time of use. I did not use until XXXX or XXXX 2015. Immediately, someone was using the card on XXXX XXXX. I got a phone call and email to remind me that was a possible fraud in XXXX, the amount is about {$110.00} for gasoline and pizza, while I was at home in XXXX. I called to confirm the fraud and asked to cancel the card. However, it was nightmare that the payment due reminder kept sending to me. I called more than 5 times to tell the bank that was fraud and the card was cancelled. It continued to email to me for more than 6 months. I also received tons of magazines but the name was not my name. I am not sure if they are related. 
Now, I received a Letter from XXXX XXXX XXXX XXXX XXXX says that the card debt is {$440.00} and the account is listed as delinquent. Very scary and annoying. Please advise what I have to do. 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 monetary relief
Consumer complaint received 07/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I am an authorized user on a credit card, but that card does not appear on my Transunion report, even thought it does appear on XXXX and XXXX. Transunion says nothing can be done, and my credit card company says the same.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My personal information was leaked or stolen XX/XX/2008 and has been used to obtain medical accounts, loans, and education in my name. I was barely legal I 've been aware of this but had no resource or way to fix it. Tried disputing accounts, tried locking my credit, tried calling the places, and even changing my social. Was n't until last year I did more research on how to take control of this. My wife and I both have been affected and have managed to buy stuff given this, and when we spoke to the police department they did n't have many answers just to either go to the credit bureaus or change my name because they said it was common? I 've been compiling evidence or proof against the creditors and credit bureaus because they do n't seem to care or they think I 'm lying. Figured this was my last stop or just wait seven years I guess for this to fall off my credit.

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 09-02-2015 about Debt collection (Medical) with GLA Collection Company, Inc. (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently pulled my credit report and discovered that this company has placed this item on my credit report without notifying me of the debt which I am afforded under article XXXX of the FDCPA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Debt collection (Medical debt) with United Collection Bureau, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: Was taken in XXXX XXXX ( address : XXXX XXXX XXXX XXXX XXXX XXXX, Fl ) XXXX XXXX from a XXXX  accident. I was not able to give them my Information due to being in an accident. They somehow had my information but failed to include my address. They put the hospital address as my address and I never received a bill. A few months later, the bill shows up on my credit report as being in collections. I contacted the hospital XX/XX/XXXXand told them that they falsely took down my information and never filed with my insurance. They said the bill was in collections and that it was out of their hands. I had my insurance company call them and attempt to make a payment or agreement and they still refused to work with my insurance company. I contacted the collection agency, United Collections Bureau ( phone : XXXX ) in XXXX XXXX and they refused to work with me on the amount. They demanded I pay XXXX dollars on the spot. As of recent, ( XXXX XXXX ) I had to remove the dispute on my credit report in an attempt to buy a house. The debt went to an attorney 's office ( phone : XXXX ) I again offered to settle with the attorney 's office during this time but they would not budge on the amount of payment. They also demanded XXXX dollars and as a XXXX XXXX I did not have. The collection agency then filed several disputes on my credit report stating I was past my due date of payment and it took my credit score down severely. This is the only thing delinquent on my credit report. Over the past 10 years, I paid off my student loans, car payments and several credit cards. I have no outstanding debits and just one single delinquent account ( mentioned above ). Due to this single dispute from this company, my credit went from XXXX to XXXX. This single dispute will cost me thousands of dollars in interest rates if I ever choose to try and buy a home. At this point, if I pay off the debt, the damage is already done to my credit and it will not make a difference.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Inaccurate information on my credit pay status balances, example a collection agency that the vendor was paid direct I don't owe the collection agency. 

a loan reporting late but has never been late and is paid in full.

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 03/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (DE).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: From XX/XX/XXXX i open account a choice priviledges card with barclaycard, i never had any problems and always pay my bill by auto pay. i previously reported this problem and barclaycard responded XX/XX/XXXX. The letter they sent proof they really are crooks and do not know what they are doing to customers.

I was not getting any statements from them and my card was on auto pay, i notice high amounts coming out of my checking account and even bouncing checks in my account, i called them and they told me a added walid eyada to the account and and i also changed my address which i certainly did not. problem they are still reporting this fraudulent address to the credit agencies.

They sent me a letter that all of the fraudulent charges were made from his fraudulent card, and they removed him from my account onXX/XX/XXXX, how ever he was still making charges thereafter, all the charges they have on my credit account was made after that date. They certainly need to credit back all the fraudulent unauthorized charges and credit back my account. Here are some of the charges XX/XX/XXXX XXXX XXXX {$7400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  {$50.00} XX/XX/XXXX XXXX XXXX   {$1200.00} XX/XX/XXXX store {$150.00}XX/XX/XXXXXXXX XXXX {$480.00} XX/XX/XXXX XXXX  {$2600.00} XX/XX/XXXX XXXX XXXX {$3100.00}XX/XX/XXXX XXXX  {$1600.00} XX/XX/XXXX XXXX XXXX {$3000.00} just to list a few of these fraudulent charges

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Agency of Credit Control (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I hired XXXX from XXXX, Colorado in XX/XX/XXXX to build a prefabricated backyard studio in my property. XXXX was contracted for materials and also provided a certified professional installer. The studio design was signed off on XX/XX/XXXX and construction began once the material arrived in XX/XX/XXXX 2014. 

Due to ongoing issues with the installation, I withheld {$850.00} XXXX XXXX XXXX of the original {$20000.00} owed. {$19000.00} XXXX XXXX XXXX were paid by me prior to the completion of the construction as per the contract with XXXX XXXX. 

XXXX referred the non-payment to a debt collection agency, Agency of Credit Control XXXX as per the letter dated XX/XX/XXXX that I received from the agency. 
However the Agency of Credit Control XXXX has alleged that I owe {$10000.00} ( XXXX ). 

I have notified XXXX and the Agency of Credit Control XXXX that XXXX i ) The amount {$10000.00} of debt alleged by them is incorrect, ( XXXX ) The actual amount {$850.00} owed by me is being withheld pending repairs due of faulty construction. 
XXXX iii XXXX The Agency of Credit Control XXXX must notify all the credit monitoring agencies contacted by them about ( i XXXX and XXXX ii ) listed above.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On XX/XX/XXXX I wrote a response to a letter from XXXX XXXX, which asked if I wanted to dispute information regarding a credit card that was originally issued by XXXX XXXX via XXXX. XXXX XXXX did not respond to the original letter. I therefore was able to get in contact with the dispute department and spoke to a representative of XXXX XXXX named XXXX, her information is contained in the attached documents. Although I stated in my letter that I did not have information from XXXX regarding this particular payment, she kept insisting that I contact them for a copy of a cancelled check, even though this had already been done and they were unable to provide this information. At this point she said that without this information she could not determine whether or not the account had been paid. I then asked her why are you reporting this as an accurate reflection of the account when you can not determine if the account was paid nor can you determine whether the account was unpaid, but yet there is a payment reported as received on XX/XX/XXXX? I also asked why the account was sold with an amount being owed as {$780.00} but XXXX XXXX is reporting a charged off amount of {$540.00}? 

I closed the account because of the way payments were being credited to my account and credit protection insurance had been added even though I had not requested it. I was able to find information sent to XXXX XXXX XXXX requesting that the account be closed and that the payment be accepted as final. This information included a copy of the check and the credit card cut in half. I also included copies of credit reports showing the payment being credited on XX/XX/XXXX, because I was unable to provide a cancelled check or a bank copy of the check that was written to close the account. The XXXX checking account had not been active since XX/XX/XXXX. Additionally, XXXX XXXX has called several times, even after being told in writing not to, and each time I request copies of the statements from XX/XX/XXXX through XX/XX/XXXX, but they have never been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Debt collection (Credit card) with Oxford Law, LLC (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I have an old outstanding credit card debt that I am currently paying to a debt collector, XXXX XXXX XXXX XXXX on a monthly bank draft for {$150.00}. The debt collector assigned to my account will call me to attempt to close out the account with an agreed amount, which I have not been able to do. If I do not answer the phone for any reason, he immediately calls my sons, wife, and an old business partner which have nothing to do with my debt. I 've tried to reason with him and have told him to stop calling people who have nothing to do with this, but he persists and continues to call them, actually calling XXXX of my sons this morning three times within a five minute period on his cell phone. I want this to stop. I have an agreement with them, and I 'm doing my part.

Company response to consumer: Closed with explanation