milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/29/2016 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (NV).
Issue: Loan servicing, payments, escrow account

Complaint: Date XX/XX/XXXX On XX/XX/XXXX, we took a second loan out on our home from XXXX. XXXX created a Deed of Trust which was recorded on XX/XX/XXXX with the XXXX. Per documentation, we were paying XXXX, and then we started to pay Bayview XXXX XXXX for this loan. On XX/XX/XXXX, Bayview Loan Servicing recorded a Substitution of Trustee and Full Reconveyance with the XXXX This document states ; the undersigned does hereby affirm that this document submitted for recording does not contain personal information about any person. Mortgage Electronic Registration Systems INC as nominee for XXXX XXXX, it 's successors and Assigns is the present Beneficiary of that certain Deed of Trust dated XX/XX/XXXX made by XXXX and XXXX XXXX, husband and wife as joint tenants as XXXX with XXXX as trustee for the benefit of XXXX as original Beneficiary which said Deed of Trust was recorded on XX/XX/XXXX. Wherein said present Beneficiary hereby substitute Bayview Loan Servicing XXXX as trustee of the named trustee under said Deed of Trust. 
We request that Bayview Loan Servicing LLC answer our questions below in writing and provide documentation. 
First, per these documents, Bayview Loan Servicing was not the lender of our mortgage, is this correct? 
Second, even though XXXX was the nominee for XXXX, was XXXX still the investor of our mortgage loan? 
Third, who did Bayview Loan Servicing pay our monthly mortgage payments too, for how much and what were the dates when payments were made? Please provide documentation! 
XXXX, if XXXX sold this note to another investor, please provide an assignment of Deed of Trust that proves that XXXX sold it, on what day and too whom!

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2017 about Debt collection (Federal student loan) with NELNET, INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: My past students loans were all discharged and I have it in writing by the US Dept of Education/Nelnet XXXX unit. Yet they are harassing me demanding I pay the student loans in full and threatening to garnish my wages. US Dept Education XXXX XXXX XXXX XXXX, NE XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (WI).
Issue: Loan modification,collection,foreclosure

Complaint: My home is in foreclosure from Citi Financial. We want to keep our home but they are not willing to coraperate.They said we can not modify our loan we applied for hardship they said no didnt receive all required information, but i sent it by mail with a receipt of it being mailed.Everytime we call about our loan they have to search for it cuz they cant find it.we have been paying on mortgage for 15 yrs and owe more now than when we took out the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have an old judgment showing on my report that should not be on there. There are XXXX bureaus that report your credit score. I have reviewed XXXX of them and XXXX has an old judgment showing unsettled and the other shows it paid. They are not accurate and it is keeping my score low. I do n't think they update their information on a regular basis because they definitely are not showing the same 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 06-11-2017 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: My bank does n't update my acct information in a timely manner so I end up with nsf fees even when my acct is positive

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NE).
Issue: Loan servicing, payments, escrow account

Complaint: was a money order for {$800.00}. I had to send another payment ... So I paid {$1600.00} instead of {$800.00}. 

Green tree often takes XXXX months to apply payments to account and lies about balances due. I currently am current, all payments made and they claim I owe {$2600.00}. 

The commit fraud on a daily basis. They misapply payments, fraudulently state that payments are paid later than they are. They try to charge late fees that are not due or are far higher than the agree late fee amount. 

GT has caused my homeowners insurance and tax payments to lapse. 

They do not obey the CEASE and DESIST order that was sent to them multiple times. Each offense carries a {$1000.00} penalty. 

They falsify statement and loan balance. 
This company GT has contacted my neighbors illegally when they know my location and even if my account is not past 30 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (CA).
Issue: Settlement process and costs

Complaint: The suntrust HAMP settlement form arrived does n't list the correct amounts due me & my now deceased co-borrower and does n't list a " loan review '' which is necessary as I only missed XXXX payments over the entire life of the loan but have had the loan stretched additional XXXX years and XXXX added to balance due. In the catagories XXXX and XXXX according to settlement letter, are incorrect. Stating I had only XXXX trial periods during my loan modification process, I had XXXX sets of loan documents and XXXX different trials periods over the course of XXXX years, which I made all payments on time. I have all documentation of loan docs, letters, contacts, etc.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I want that charge off amount of {$300.00} to be taken off of my account with XXXX XXXX. I have paid up in full my monies due from the balance due.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2018 about Debt collection (Other debt) with ERC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I received a demand letter from XXXX  a collection company. XXXX is demanding XXXX for debt collection for XXXX XXXX XXXX XXXX XXXX.

This debt does not belong to me and is a result of identity theft. I have made serval attempts to resolve this issue with XXXX with no help.

XXXX is attempting to collect a debt which never belonged to me.

I demand this debt be verified and copies of all documentation for this account be emailed to me for discovery.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The collection agency sent me several notices and I continouesly sent them reply that I had paid the bill in full before we move and I asked them to send me the supporting documents. 

Instead of sending me supporting documents they again send the notices

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Just wanted to follow up on your responds from earlier today. You said You would contact the creditor about the accounts that I 'm asking for documents on Their is no need for you to do That. Umm I 'm asking you! Your company to send me those documents the law states that you the reporting agency should have those documents in your possession at all times and when the consumer asked for them you have 30 days to supply that info. 
XXXX XXXX XXXX closed account and XXXX closed And all credit inquires that does not match any credit in my file I been battle this for 3 Months now please do this as quickly as Possible Thanks also Still willing to drop all Dispute with CFPB If you are willing to settle and have the items removed or send me the original documents

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

Complaint: In the transfer from XXXX XXXX to Navient, I was unable to set up automatic payments. I was unclear which payment option to choose and unable to get an answer from Navient which option I should choose. I chose the wrong one, leading to my payments required being {$0.00} for a long time. No payments were being taken from my account I set up, leading to higher interest stacking up. Manual payments have got me back on track now, but not through any help of Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit card or prepaid card (Government benefit card) with Comerica (WV).
Issue: Unexpected or other fees

Complaint: I closed my account due to stolen card. They told me it was denied me because i make withdrawals at this location. It is the only location near my home. They also stated yhat the withdrawal amount was XXXX at a time where there is a listed withdrawel of XXXX and another for XXXX. This is not acceptable. They alsi saisXXXX did not change my pin on ti.e hkw could i when i did not know till my money was gone

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (DC).
Issue: Application, originator, mortgage broker

Complaint: I have a loan pending with Suntrust Mortgage for a refinance. Since XXXX, XXXX inquiries have been made by Suntrust Mortgage and XXXX Mortgage Services on behalf of Suntrust. 
I never authorize excessive credit checks by Suntrust and XXXX Mortgage Services on behalf of Suntrust. 
This is action by the lender and the credit reporting service is unethical and illegal. Please have them remove the excessive inquiries from my credit files XXXX. Thank you.

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 07-05-2017 about Debt collection (Credit card debt) with P&B Capital Group, LLC (TX).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: Received 2 phone calls from a lady saying her name is XXXX XXXX and she is an arbitrator with XXXX, XXXX, XXXX XXXX. Later in the call she said she is with P & B capital management. She told me she was hired to collect a debt but listed 3 different debt amounts. I asked her for the original creditor 's information like name and phone number but she co u ld not provide it. I then asked her to send me a debt validation letter and she said she would email it but it was never sent. She told me my case was in prelegal status and the next step was to take me to court. One mon the later she called back still unable to verify debt, she was yellin at me, and saying they have permission to garnish my check and take me to court. She ended the call by saying see you in court. Nothing was verified. Just demanding I pay {$600.00} now without knowing who she is and what sent this is. There is so debt currently for sny cards In my credit profile. Phone number XXXX

Company response to consumer: Untimely response
Consumer complaint received 08-06-2016 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Other

Complaint: I am only intermittently able to access the synchrony bank website for dicks sporting good. Out of the last 7 days I have only been able to access the online portal 1 time yesterday, using the correct user name and password. I am told every time that my username was n't recognized but I have typed it in correctly and it 's the email that they send all my information to. I also tried to use my account number to reset my user name and password and it was not recognized either. When the website is working I use that same user name and password and it works, the first time. I even mailed in my payment to ensure it was received by the payment date but now that it 's my payment date I am unable to log onto the website to make sure. They do not have any message up that saying that the website is down. This seems more like a systematic thing keeps happening to deny consumers routine access to the only free way for me pay the bill. If I am unable to make sure my payment was recieved today and pay it again if it was not yet, I will be charged a {$35.00} late fee and my interest rate will go up.

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 03/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have been contacted by them numerous times and each time I have asked them for an itemized bill to verify the amount owed. I keep getting different responses from them from " we do n't have to give you XXXX '' " well why do n't we just settle the debt so you do n't need XXXX '' " just pay your bills you do n't deserve XXXX ''.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (SC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: ic systems contacted my about a debt from XXXX, the dates were long after we had switched, so I asked for the original bill to verify, which lead to them threating me about reporting on my credit. I responded in writing asking for verification, if I owe it I will pay it but the dates do n't make sense. But they have not responded to my letter and reported on my credit. I really do n't know what to do. Its not a lot of money but I am not sure its right. Thanks for you help

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Unauthorized charges were charged on my credit card. I have been contacting them every month and told them I did not make these charges that they were fraudulent. They send me letters that they are investigating and keep charging me interest and late fees. Credit reporting agencies have lowered my credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (PA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Old Debt they re opened. This account has been closed for over XXXX years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Debt collection (I do not know) with Professional Placement Services, LLC (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Please review previous Consumer Financial Protection Bureau Case Number # : XXXX. I want Professional Placement Services to close the account, XXXX out the balance, have the account removed from my XXXX credit report, and not sell or transfer the account back to XXXX XXXX Bank or another debt collection agency, which in turn is going to contact and harass me for the same debt I do n't owe. I am a victim of identity theft and the debt is a result of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Credit card () with JPMORGAN CHASE & CO. (VA).
Issue: Advertising and marketing

Complaint: In XXXX 2016, I applied on-line for a XXXX REWARDS Club offered by chase bank.I saw the advertisement on-line which had an offer of {$50.00} statement credit after first purchase plus XXXX points after spending {$1000.00} in first 3 months of opening card. After the card arrived, I called the cr. card co. to ask a question and the subject of the offers came up too. I was told that I would not get the {$50.00} cash! I told them why, the agent did not know why. Talked to a manager who never replied. Called several times, and I was told finally that I can get XXXX miles instead as an offer. I declined and insisted to get what the original ad had offered which enticed me to apply for the card. After much back and forth, I was asked to sent a copy of the ad which I had and fax it to them. 
In response I was told that someone has left a note on my account that " I was not eligible for the offer of {$50.00} ''. My last call to them was to put this in writing and explain exactly what they mean by this, how was I not eligible for their advertisement?. Well this was two weeks ago. I never got a letter of explanation and no one has contacted me. As a consumer, I hate bate and switch games. I applied on-line from the point ( page ) where the bonus offer was made and there was a button which said " apply here ''. so there was no other referral pages. no other links, but direct apply from the offer page. I want my {$50.00} and I want Chase be noted for their advertisement violation and this bate and switch game.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (FL).
Issue: Managing the loan or lease

Complaint: My new car ( less than XXXX car payments were made ) was deemed un-repairable due to damages it sustained in XXXX XXXX. It is financed through Well Fargo Dealer Services. My insurance company is handling the claim and waiting on them to issue the Letter of Guarantee since XXXX/XXXX/16 so they can issue them payment. The collections guy, XXXX, was screaming at me when I tried to explain this. He said I was " changing the subject '' and that I should n't be avoiding paying my bills. I said I was n't, that it will be paid in full once they release the document to my insurance company. He then continued to yell and talk over me and scream at me that I should n't be getting a new car until this XXXX is dealt with. My insurance company has been trying to pay them since XXXX/XXXX/16, 5 days after it was totaled. But Wells Fargo is holding up the process. XXXX was so nasty saying things like, " Does n't your insurance company give you a rental? ", etc. This may be true but it is none of his concern. I had to hang up on him as he would n't let me speak and when he would he 'd scream at me and all I wanted to do was advise him that payment is pending if they release the letter of guarantee.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/31/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX account should be removed from my Trans Union credit report as it was sent to Collections in error. My insurance paid this bill back in 2013 and the original amount was {$280.00} not {$410.00} like XXXX XXXX is claiming

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 07/18/2016 about Bank account or service (Checking account) with PNC Bank N.A. (ME).
Issue: Account opening, closing, or management

Complaint: I opened up a PNC checking account that had a XXXX bonus promotion if certain criteria was met.
XXXX with Performance Select: Earn a XXXX bonus when you do the following:
    Open a new XXXX with Performance Select
    Establish a qualifying direct deposit of XXXX to your new account
    Make at least one payment with PNC Online Bill Pay
On XX/XX/XXXX I made a direct deposit of XXXX, on XX/XX/XXXX XXXX and XX/XX/XXXX XXXX which was followed by a XX/XX/XXXX XXXX bill pay.  I waited the prescribed amount of time and proceeded to call PNC customer service and inquire about my XXXX.  The customer service representative told me I did not qualify for the bonus.  I told them I wanted to close my account and the csr told me I would get charged a fee for early account closure for not being open 6 months.  I then waited until XX/XX/XXXX and proceeded to close my account.  I'm not happy that I did what other people did to receive the bonus which is the reason I want to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (PA).
Issue: Struggling to pay mortgage

Complaint: I have been going through a loan modification through the XXXX XXXX XXXX XXXX and my mortgage company Freedom Mortgage. We had struck a deal with the mortgage company to modify my payments since I was going through a divorce, and I sent the XXXX XXXX XXXX XXXX money ( I have receipts ) to help. It has been about 9 months now and I just received my Sheriff 's Sale notice. I have been calling the XXXX XXXX XXXX XXXX for the past week with no response. I called today my mortgage company and they have said they last contacted them in XXXX 2017.

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