milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-10-2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (AZ).
Issue: Struggling to pay mortgage

Complaint: Through an extensive investigation and evaluation of our mortgage documents including the Deed, Corporation Assignment of Deed of Trust, Adjustable Rate Note mortgage note by an expert with special skills including handwriting analysis, we have discovered that our mortgage documents that Bayview Loan Servicing has used in filing multiple foreclosures against us contain extensive fraud and defects, those defects include backdated documents, wrong county crossed out, falsely stated dates of transfer or no dates of transfer at all, fraudulent notarizations, forged signatures, signed by employees of the servicers or document preparers who often falsely claimed to be officers of the originating banks and other entities up the chain of assignments, and were robosigned ( i.e., signed in bulk ). <P/>Exhibit A ) Adjustable Rate Note the signatures on the document are forged, the county is wrong, all the lines for signatures have the same defect. Exhibit B ) Corporation Assignment of Deed of Trust, filed XX/XX/XXXX ; however, this date contradicts the closing date on Exhibit E ) Pooling Servicing Agreement, which states a closing date of XX/XX/XXXX, therefore XXXX XXXX XXXX filed the fake, robosigned Corporation Assignment of Deed of Trust FIVE YEARS TOO LATE. In addition The Corporation Assignment of Deed of Trust is also backdated with a effective date of XX/XX/XXXX the reason the document was backdated because XXXX XXXX XXXX was foreclosing on our home without standing from XX/XX/XXXX through XX/XX/XXXX, so XXXX XXXX XXXX filed this fraudulent document back date their standing for foreclosures from XX/XX/XXXX through XX/XX/XXXX. Furthermore, The Corporation Assignment of Deed of Trust is also signed by a ROBO SIGNER XXXX XXXX Assistant Secretary. In addition, the defects in the The Corporation Assignment of Deed of Trust states Certificateholders of XXXX, XXXX XXXX XXXX Pass-Through Trust XXXX is listed in XXXX XXXX XXXX Vs. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX..listed as Exhibit A of List of Trusts That Used Fraudulent Mortgage Documents PLEASE SEE EXHIBITS ATTACHED Exhibit A Adjustable Rate Note Signatures on this document are forged Exhibit B Corporation Assignment of Deed of Trust This document is completely fraudulent Exhibit D Pooling Servicing Agreement states attached is a copy of prospectus supplement dated XX/XX/XXXX, received in this Commission on XX/XX/XXXX,  under the name of XXXX XXXX Pass Through Trust XXXX XXXX File No. XXXX Exhibit E Pooling Servicing Agreement stating that trust closed on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Transaction issue

Complaint: Fraudulent charges appeared on the account of the authorized user, American Express closed that account ending in XXXX and opened a new account ending XXXX. 
However previous merchants who still had the old account number continue to post charges. 
Last year XXXX posted an unauthorized charge, which was disputed and reversed on the old account. 

The same another company. 

The account was issued in XXXX 2015. 

On XXXX XXXX 2015 both companies posted fraudulent charges using the old account which American Express supposedly close, and posted to the new account number. 

The new account number was not provided to them by me. 
On XX/XX/XXXX I called Amex spoke to XXXX is Utah, he assured it will not post. 
On XX/XX/XXXX the charges are posted, I spoke with XXXX in XXXX XXXX and he gave the run around, finally he transferred the call to his supervisor XXXX, who disconnected the calls. 

Once the old account is closed no one should get an authorization or post charges. Should be either is open or close, these charges were not authorized or consented by, American Express apparently allows fraud. 

This sort of activities must cease once the account number is closed nothing else takes place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Issue : Chapter  XXXX  filed   XXXX   XXXX     According to the Fair Credit Reporting Act, a  XXXX   XXXX  bankruptcy will be removed from your credit report after  XXXX  years.     However, the Credit bureaus ( except   XXXX    )  still report  XXXX   XXXX  on my credit report. In particular the Credit bureau that On Site uses to do background check on apartment applicants : this is adversely affecting my ability to lease an apartment ; Relocating for a job.     Please assist. 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 10-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX is currently reporting in XXXX and XXXX that i am paying late on a closed paid account since XXXX, they are reporting lates to XXXX and experian currently which just caused a problem with my current job due to it showing deliquients in XXXX and XXXX, i am no longer liable for account and requesting account be deleted corrected XXXX  there should be no new reportings on this account at all, i have received any communications from XXXX at all, especially adding new entries of late pays in XXXX and XXXX ... i have attached my XXXX report showing XXXX inaccurate reportings ... .Please remove XXXX this is causing a severe hardship and can affect employment this info is not correct and should not be reporting ....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have over XXXX unauthorized credit inquiries on my equifax report.. I have sent out certified letters to the creditors and have also tried disputing it with the bureaus. They just keep telling me that there is nothing they can do about it. They said I need to contact creditor which i have done at least 3 or 4 times. Ive tried calling and also sent out the certified letters. Please help. My husband and I are trying to clear this up because we are trying to buy a house. 

Below are creditors and dates of the inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX All others were authorized. Thank you so very much.. I dont know what else to do!

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I have nearly XXXX in student loan debt with Navient, from loans that were originally taken out with XXXX XXXX, and then transferred to Navient without my consent when the company split. I am currently finishing my last year and a half at XXXX University, and am in school full time pursuing a XXXX degree, as well as working unpaid in a XXXX for needed experience to get into XXXX school. I am unable to work as much as is necessary due to the XXXX hours a week that are dedicated to school and XXXX work, not to mention the cost of living ( rent, bills, food, etc. ). Last year I made under XXXX, and still barely managed XXXX hours of sleep a night. 
I called Navient to ask if they could either lower the monthly payments, postpone them until after school, or put them in forbearance for at least a few months so that I could try to find a solution. I was told that they had no option for financial hardship, and I would either have to pay, or my account would go into default. What? XXXX XXXX, as awful as they are, at least have a program for financial hardship, that allows you to put your account into forbearance for a maximum of 12 months. The woman on the phone was not only rude, but then started lecturing me about how it should n't be so difficult to come up with the money, and that I could ask family and friends to just give it to me, and that my payment really was n't that much anyway. I explained that my rent is $ XXXX ( which is cheap in XXXX ), and that bills, food, etc. were already over what I was making, and that I was barely able to cover the basic minimum. She said : " Well there 's nothing I can do. You have to pay. I 'm going to end this call now. Call us back when you have the money. " Are you kidding me? The whole point of a student loan is to enable students to get the education they need in order to get a lucrative job in the long run. I will have a XXXX and XXXX in 5 years, with which I can get any number of high paying jobs. I have no intention of defaulting on my loans, and every intention of paying them back. How is it possible that a federally endorsed student loan company is both " unable '' and unwilling to help the very students that take out the loans with setting up a payment plan that is reasonable? Do they not realize that they will lose more money by forcing students to default on their loans rather than reducing their payments to make them affordable? How is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Credit card protection / Debt protection

Complaint: Dear Sir/Madam, On XX/XX/2016 I made a purchase at Lord & Taylor ( L & T ) for {$290.00}. They offered a discount opening a credit card with Capital One ( CO ), which I did. That same day I paid the full amount owed. CO sent me a bill for the {$290.00} in XX/XX/XXXX. I contested, providing poof that the amount was paid in full ( bank statement ). I received a CO letter indicating they received my information and were investigating, and that no late fees, or financial charges will apply. This followed approximately 22 calls made/received to CO. They continued sending bills for the amount paid, adding late fees and started harassing calls that they were sending me to collection unless I pay the amount again. Their billing process and customer service do n't speak to each other and they are not following up with the investigation, which should have been pretty simple as proof of payment at the store was provided. It 's been approximately 120 days fromt the purchase and 90 days from my complaint to CO with no results. 
After almost two dozen phone calls and hours spent, it 's very clear that Capital One practices are deceiving and purposedly designed to by time consuming. Their customer service and billing department do n't speak to each other : the former sent a letter stating no late fees or billing will apply while in dispute, the later keeps billing me, calling me and makes threats to send me to collection if 'not ready to pay today '. 
The process seems designed to prey on individuals without the time, copies of receipts, or the money to make dozen phone calls and send copies of the receipts. I was fortunately able to do all that and still they keep harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I CALLED IN TO EQUIFAX TODAY AT XXXX CENTRAL TIME ABOUT A DISCPUTE I SENT IN XXXX, AND ALSO ABOUT ITEMS LISTED ON XXXX XXXX WEBSITE WAS INCORRECT AND WHERE THAT INFORMATION CAME FROM. THE FIRST REP I SPOKE WITH WAS NAME XXXX IN THE XXXX IN THE DISPUTE DEPARTMENT, TRIED TO EXPLAIN TO HER SHE WAS VERY RUDE AND NASTY. ASKED TO BE TRANSFERED TO US REP, SPOKE TO XXXX ID # XXXX, SHE ADVISED ME I HAD 2 CREDIT REPORTS ONE WITHOUT A SOCIAL, SHE WAS NICE SHE TRANSFERED ME TO XXXX IN NEVADA. SHE TRIED TO ASSTS ME BUT THE LINE DROPPED ON HER END. I CALLED BACK AND SPOKE WITH XXXX ID # XXXX-NEVADA REP. SHE ADVISED THAT SAME THING I HAD 2 REPORTS AND ONE WAS REPORTING A BANKRUPTCY, I ADVISED NO INFORMATION ON THAT NOT ME AND FROM THE CREDIT REPORT THAT WAS SENT BY EQUIFAX TO ME ON XXXX XXXX CONFM # XXXX NO BANKRUPTCY WAS SHOWING ONLY 3 COLLECTIONS THAT I WAS DISPUTING AND 21 FALSE INQUIRES I WAS DISPUTING. SHE PLACED ME ON HOLD FOR 1 HOUR AND 10 MINS CAME BACK TO THE LINE AND ADVISED SHE NEEDS ME TO SEND A COPY OF MY ID AND PROOF. ADVISED HER ON XXXX I SENT A COPY OF MY ID UTILITY AND WATERBILL TO EQUIFAX TO PROVE ME, SO THEY COULD SEND ME MY REPORT. AFTER SENDING THEM THOSE ITEMS EQUIFAX SENT MY REPORT. SO WHY NOW THEY STILL DONT HAVE MY PROOF ON FILE. ADVISED I NEEDED CORP OFFICE INFO SHE REFUSED TO GIVE ME CORP OFFICE INFO OR HER SUPERVISIOR INFORMATION, I ASKED TO SPEAK WITH HE SUPERVISOR WHOM SHE CLAIM WAS HELPING HER SHE REFUSED, SHE TRANSFERED ME OVER TO THE XXXX AND I SPOKE WITH XXXX AND GAVE HER MY INFORMATION PLUS THE CONF # XXXX FROM EQUIFAX 3 TIMES SHE ADVISED SHE COULD N'T PULL IT AND WAS DIFFICULT TO UNDERSTAND HER ASKED HER TO SPEAK TO TRANSFER ME TO US REP, SPOKE WITH XXXX IN NEVADA ID # XXXX HE ADVISED HE CANT SEE ANY OTHER INFORMATION FROM THE PRIOR REP AND ALSO ADVISE THAT THERE IS NO XXXX WITH ID # XXXX IN NEVADA, HE ADVSD TO WRITE THE CORP OFFICE. HE ALSO ADVISE THAT HE DOES N'T SEE MY INFORMATION I SENT IN PRIOR. ADVISE HIM OF THE CREDIT REPORT I RECIEVED ON XXXX. SO EQUIFAX HAS BEEN SENDING ME FALSE INFORMATION AND STILL HAVE N'T SENT ME THE CORRECT CREDIT REPORT OR ANYTHING. I HAVE NO CLUE ABOUT MY CREDIT PROFILE FROM EQUIFAX BECAUSE THEY HAVE 2 OR 3 WITH SOME OF MY INFORMATION AND THIS IS FRAUD. AND THEY HAVE LOST MY PERSONAL INFORMATION THAT I SENT IN THE BEGINNING SO THAT I COULD RECIEVE MY CREDIT REPORT. IM SENDING YOUR THE REPORT EQUIFAX SENT ME, WHILE THE OTHERS REP CLAIM THERE IS MORE FILES ON ME BUT REFUSED TO SEND OR TRY TO FIND OUT WHATS GOIN ON

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Debt collection (Credit card) with Webcollex, LLC (MD).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: On XXXX XXXX, 2015 CKS financial of Virginia contacted my employer. we are not allowed to get phone calls at work. I just talked with them yesterday and told them i would contacat them in 24-48 hours. This needs to be addressed. Thy called XXXX different departments within my work plus contacted me on my cell phone today.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 07-05-2016 about Credit card () with AMERICAN EXPRESS COMPANY (AZ).
Issue: Rewards

Complaint: I have American express Blue cash preferred card with cash reward program ( upgraded from my previous blue cash everyday ), and used it heavily in the past XXXX month ( over $ XXXX total, should have ~ {$200.00} reward dollar based on my own calculation ). I am supposed to earn the reward dollar ( for previous statement ) within XXXX business days I pay the current statement. However, the cash reward dollar in my account was never updated for my 2016 expense. I contacted AMEX regarding this issue by online chat three times, phone call XXXX times. Every time, I had to spend half hour explain what happened. I was promised by different customer service guys that investigations were being submitted that I would get the reward dollar I earned, but XXXX months passed, nothing came back. I am not even sure if the customer service lied to me about the investigation or not because once I was told ( also by AMEX customer service ) that there was no investigation submitted. what make it worse is AMEX can not give me a timeline when this problem can be resolved, and they just want me to wait. I can not close the account either because the reward dollar will be forfeited.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My last payment for any derogatory account was XXXX 2008.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/16/2015 about Debt collection (Non-federal student loan) with F.H. Cann & Associates, Inc. (SC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Initial communication with FH Cann & Assoc. was after a wage garnishment was implemented with my employer. I informed FH Cann representative that I had received no written notice and was unable to verify amounts. They replied it was sent, but offered no proof of receipt. 

I also explored a rehabilitation at this point but was told I could not enter the rehabilitation at that time, then again that I would have concurrent paycheck debits of XXXX % each for a total of XXXX %. As this is clearly unaffordable, and I was not in a position to pay this debt by credit card as counselled by FH Cann, I resolved to continue with the garnishment payment. 

I made several attempts to contact FH Cann and request an account balance and a monthly statement. I was told by seperate FH Cann reps that these are sent monthly via mail. They must use the same mail service for the statements as their initial disclosure of debt, I have yet to receive either via paper mail. I did receive 1 statement and balance after to speaking to XXXX XXXX for the second time. 

I recently filed a complaint with the XXXX and FH Cann General Counsil repsonded that they do not send monthly statments and that I may determine my " payment '' by reviewing my paystub. While the Esquire is correct, my paystub shows a debit amount, it does not provide a running balance, associated interest and fees. I have contacted the origional debtor for this information and was informed I must deal with FH Cann. 

I believe as a consumer I have the right to the disclosure of debt ; not provided. 
I have a right to see where and to what and how such garnishments are being applied. 

If they are not required by law to provide these statements, how is consumer to know when such debt is satisfied? How is the consumer to know if the fees are within allowable legal limits? 


If this is not illegal it most assuredly is poor business practice and poor customer communications. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/19/2015 about Debt collection (Federal student loan) with Allied Interstate LLC (NH).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: In violation of its XX/XX/XXXX Consent Decree with the FTC, Allied Interstate contacted me at XXXX XXXX ( EST ) on XXXX. XXXX, XXXX. Identified as debt collector from Allied Interstate. Proceeded to determine that I had forgotten about some of the student loans I had taken out. Caller then went on to state that the Dept of Ed had identified my employer and they could/would garnish wages if I do not resolve the default. 

However I have been unemployed and on social security XXXX since XX/XX/XXXX and therefor the caller was clearly making a false statement in the hope of spurring my compliance with his wishes. I informed that he was not dealing with me honestly ( " XXXX '' ) and told him I would not deal with someone who can not deal with me honestly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: According to www.equifaxsecurity2017.com, my information such as SSN, date of birth, full address and maybe even driver 's license number got into hands of currently unknown, malicious third parties. This is in clear violation of the privacy standards credit reporting bureaus like Equifax should be held up to. 

To add insult to the injury, Equifax is unethically and potentially illegally trying to " opt me out '' of potential class action lawsuit if I sign up to their credit monitoring services. 

This is ridiculous. Equifax as a company and executives responsible for poor security engineering decisions personally should be punished to the full extent of the applicable law.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: Spoke to XXXX rep in XXXX - regarding my account and asked her to give me a better explanation regarding my account and the int rate that was getting for XXXX per month and asked her very kindly to remove or adjust it but she refused and told me that stay there and say : we do n't adjust rates ", I made my very best to communicate nicely with representatives from Citi but they just told not to help anyone. 


Fair lending act say : consumer have the right to ask CC companies for a breakdown of payments and better explanation of int rates on which i 'm not very knowledgeable about it and i fell i was set up on a predatory interest rate credit card. 


FYI - Citi has not responded and chose to ignored my previous request

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 06-02-2017 about Mortgage (FHA mortgage) with Dovenmuehle Mortgage, Inc. (TX).
Issue: Trouble during payment process

Complaint: Earlier this year my mortgage company sent me a notice saying that they had under charged me last year  ( 2016 ) for my escrow in the amount of {$2400.00}. So they gave me a 30 day notice saying that my mortgage was going to increase {$300.00} for 12 months until I paid the full amount of {$2400.00}. I called them last week to ask why I am responsible for that amount they said it was an oversight on their part. I told them I could not afford to pay that amount as it is more than what I make. They said they would reconsider lo wering the payment if I made a full payment of {$2400.00}. Needless to say I have have been struggling to maintain payments ever sense through no fault of my own and they have refused to assist due to their negligence and shoddy loan servicing practices

Company response to consumer: Closed with explanation