milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/24/2015 about Mortgage (Other mortgage) with BAYVIEW LOAN SERVICING, LLC (WA).
Issue: Loan modification,collection,foreclosure

Complaint: I sent a Notice of Rescission to a claimed creditor, Bay View Loan Servicing, LLC on XXXX XXXX, 2015. This notice is also recorded. Rescission is effective on the date of mailing and it renders the mortgage contract which in my case was a note and deed of trust VOID by Operation of Law. 
The unanimous XXXX Court Ruling decided on XXXX XXXX, 2015 and written by XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX is the most recent ruling from the highest court on the matter of TILA Rescission. 
If Bay View wanted to oppose the above mentioned Rescission, they could have done so in the 20 days following the date the notice was sent. 
Because Bay View Loan Servicing, LLC has ignored the notice of Rescission and has not filed a lawsuit in the 20 days following the notice date, the Rescission in question can no longer be contested or opposed. According to TILA, Regulation Z, and the XXXX Court, the Rescission was effective the moment the notice was mailed. 
Bay View Loan Servicing, LLC has not responded directly to any communication including to the notice of Rescission sent to them on XXXX XXXX, 2015. 
XXXX Trustee who initiated foreclosure proceedings on my permanent residence with and for Bay XXXX Loan Servicing continues to file legal notices about a pending foreclosure as if mortgage documents still existed for the property in question. XXXX Trustee was notified of the notice of Rescission yet they deliberately ignore the law. 
By Operation of Law, no note or deed of trust exist for the above mentioned property. 
" ... .if there is no note and mortgage then anything that happens afterwards is void because you ca n't get a foreclosure on a mortgage that legally does not exist even if a copy of the mortgage is sitting in county records. And a sale would also be void. " Who will make Bay View Loan Servicing, LLC and all of the parties they seem to direct, XXXX Trustee and claimed partner/servicer XXXX XXXX XXXX Bank with addresses in New York and Texas accountable to obey the law? 
I would appreciate the CFPB looking into this matter as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Debt collection (I do not know) with WELLS FARGO & COMPANY (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I must start by saying this has nothing to do with my current mortgage. I 'm submitting this claim regarding my Home Equity Line of Credit. I know when I filed with Wells Fargo, to assume the mortgage note, I also filed to assume the Home Equity Line of Credit also as this was made knowledgeable me. The Equity Line of Credit was included but is not being acknowledged by Wells Fargo as of date. I filed chapter XXXX bankruptcy with the United States Bankruptcy court ( case number XXXX ) XXXX of 2013. Throughout the case, I 've received numerous correspondences regarding any adjustments to payment for which I 've have complied. I 've contacted my bankruptcy lawyer whom stated we did not file/ or included the Home Equity Line of Credit in the payment and that we needed to file which again will cost {$1800.00}. I 've also contacted Wells Fargo and to no avail I 'm back at square one. The Bankruptcy court documents states otherwise. In addition to this, my Home Equity Line of Credit statements which I 've been paying for, still has my ex-husbands name on the statements and it has been going to my ex-husbands address XXXX XXXX XXXX, XXXX XXXX Fl. XXXX. But I 'm still paying for it. Changes have been made to my mortgage but not in its entirety regarding the equity line of 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 explanation
Consumer complaint received 12/27/2015 about Credit card () with SYNCHRONY FINANCIAL (SC).
Issue: APR or interest rate

Complaint: Care credit charged me interest when supose to be 0 % interest for 6 months same time as the care credit law suit

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have tried to get this resolved with Experian for quite sometime. They are violating my rights under the FCRA. They have 2 XXXX XXXX XXXX companies listed that are n't mine. One for {$87.00} and another for {$1600.00}. What they do is put in no data at first then they 'll update it to 150 days late, then closed, and put it back as okay or open as if I 've been doing activity on the accounts which i have not. XXXX XXXX XXXX is not reporting the accurate amount. And I do not have any accounts with XXXX XXXX XXXX. they are n't even verifying that the information is accurate as they claim to do.

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 01-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have sent Equifax two letters. 30 days back to back and never got a response to either letter.Under FCRA section 604 ( a ) ( 3 )  ( A ), permissible purpose has to be proven for the review or collection of a consumers account. There has been no communication back from Equifax or prove I authorized any of the hard inquiries on my credit history kept under my SSN number. If they ca n't provide me proof with my signature authorizing permissible purpose for each hard inquiry, these hard inquiries must be deleted for no permissible purpose or authorization. 
I have attached a copy of the letter sent by certified mail two times to Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: My card was used fraudulently XXXX XXXX XXXX at XXXX XXXX XXXX 's in XXXX in the amount of {$85.00}. My credit card company Capital One was informed and stated that I would be issued a new card and my account refunded. On XXXX XXXX I received a letter stating that the card had been deactivated, a new card mailed, and my money refunded. On XXXX XXXX I received my statement which showed the refund and it was also reflected in my available balance. On XXXX XXXX I attempted to use the money and my card was denied. When I called Capital One I was told that the money was on a 30-90 day fraud hold and was unavailable until the investigation was completed. This was not stated at anytime and I feel my money is being held fraudulently and should be made immediately available. When I have their money I pay interest however they are not offering to pay me interest. They refuse to provide proof that they stated 30-90 days even though I have provided proof of them saying it was refunded. One agent even asked me if I was the one that actually made the charges even though the charges were done in XXXX then immediately followed by a charge in Illinois and I live in Washington state and have never been to either place. That was insulting and unprofessional. I humbly request that you investigate this matter and provide relief as you see fit.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (NJ).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: PNC Bank of New Jersey arbitrarily stopped including copies of our cancelled checks in our monthly checking account statement. We have been customers with PNC for over 25 years. The PNC Senior Choice Account Agreement we signed up for stated we would get copies of our cancelled checks. We first notified them of this error in XX/XX/XXXX, the PNC customer service representative said we would get copies in the XX/XX/XXXX statement, NO copies of cancelled checks from PNC in the XX/XX/XXXX statement. Called again in XX/XX/XXXX and the PNC customer service representative promised we would definitely get copies of our checks in the XX/XX/XXXX statement, NO copies in the XX/XX/XXXX statement. Called again in XX/XX/XXXX and the PNC customer service representative again promised check copies in the XX/XX/XXXX statement. In XX/XX/XXXX our statement had copies of the checks. In the XX/XX/XXXX statement, NO copies of cancelled checks. My husband visited PNC in XX/XX/XXXX and spoke to a bank representative at a PNC branch located in XXXX, NJ to again explain the issue. PNC 's customer representative said we are in PNC 's Senior Choice Plan and we are entitled to copies of our cancelled checks. He promised we would receive copies in the XX/XX/XXXX statement, NO check copies were received in the XX/XX/XXXX monthly statement. 

As seniors, we feel PNC is taking advantage of us, but more importantly PNC is breaking the terms of their agreement. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (PA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have a  " Citi Double Cash Card '' credit card from Citi Bank. When the monthly invoice arrives there is absolutely no mention of who to make the check payable to when paying via check. This is a deliberate tactic on Citi 's part in order to make it more difficult to pay via check. This is doubly strange because they include a complimentary envelope with which you can mail payment, either in the form of a check or money order. I hav e saved the original invoice and can forward it if necessary.

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 02/25/2016 about Credit card () with CITIBANK, N.A. (OR).
Issue: Arbitration

Complaint: In XXXX I was forced into XXXX XXXX I was XXXX XXXX XXXX, XXXX I was hit with a bill from SS that they had overpaid me {$6600.00} I had 30 days to contest, now on payments. At the same time I was fighting to pay off my {$11000.00} medical co-pays & out of network expenses. By XXXX XXXX I was unable to keep up I defaulted on several unsecured accounts all but XXXX has now been resolved. I had called the account holders for relief, only XXXX agreed to help. Citibank refused any discussion or relief, told me basically pay up or else. I am now facing a judgement with Citibank as the plaintiff. I offered a settlement but they flatly refused. Telling me they would see me in court. I have nothing no assets, saving, uninsurable, unemployable & I 'm living on my SS.

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 01-03-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (ID).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hello, I applied for a Student Credit Visa through US Bank on XXXX XXXX of 2016. I received XXXX " hard '' inquiries by : XXXX XXXX, and Us Bancorp. I understood I would receive XXXX hard inquiry. However, I talked with a banker or customer service rep on the credit service of US Bank. They said that it did look odd like it may have been run an extra time. 

I reviewed the contract very thoroughly and do not believe they were authorized to run it more than twice. If I have made a mistake on my end in any way I take full responsibility for the extra hard inquiry on my record. My email is XXXX for additional information required. 

Thank you for taking the time to review my complaint. 

Best Regards

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 05/14/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (HI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Hello : This is in regard to Portfolio Recovery. They claim, and have entered on my credit report, I owe them and/or XXXX XXXX, {$1400.00}. 

I believe this to be false, as I 've had many accounts with XXXX XXXX, and have paid them in full. Also, a date of XXXX delinquency of XX/XX/2008, which I 'm sure is wrong. 

Therefore, I 'm requesting validation of this account. Including but not limited to, a signed contractual agreement, with my signature, indicating my intent to pay this alleged account, plus proof of last payment date. In order to ensure true validation of last payment date, they are to include amount and bank on which last payment was drawn.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Had a Capitol One card..Went into collections, and was paid through XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ... .I keep getting calls and harassment from XXXX, I have explained many times that the debt is paid in full, they do n't listen ... .I 'd like to make a claim against them to stop this nonsense ... .Their phone # is XXXX they go by Portfolio Recovery ... .Please advise me what to do ... I have all the docs from XXXX XXXX that it has been paid

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2015 about Credit card () with CITIBANK, N.A. (IL).
Issue: Late fee

Complaint: The credit card company for Home Depot ( Citi ) removed a late charge on my bill that I paid completely, but by the time they removed it, another late charge on the late charge happened. These cascading late charges ( on the late charge waived ) are the only outstanding amounts due this company. The only balance on this card is late charges on late charges for XX/XX/XXXX ( {$25.00} ), XX/XX/XXXX ( {$25.00} ), XX/XX/XXXX ( {$35.00} ) and interest for XX/XX/XXXX on this " promotion balance ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/19/2016 about Student loan (Non-federal student loan) with DISCOVER BANK (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: In the XXXX, Discover nearly quintupled my monthly payment from {$120.00} per month to {$580.00}. I have explained to them countless times that I am unable to afford that type of payment per month. I have informed them that I am very willing to meet somewhere in the middle. In return, Discover has done the following : - Discover allowed me to go back on the graduated repayment plan in XXXX of XXXX, but again quintupled the monthly payment despite my countless testimonies that I was unable to afford what they demanded was the required monthly amount, even after I provided income verification, a fair monthly payment range that was almost three times more per month than the graduated repayment plan amount, stating they were n't able to do so, without any explanation why, at any time. 

- Discover has refused any type of loan modification in any capacity. 

- Discover has told me for three years now that they will be introducing new types of repayment plans that would allow me a lower monthly payment, they have not done so at any time. 
- Discover has put me on what is known as the " Payment Extension Program '' several times, which, over the phone, forces me to sign up for automatic payments on a three month basis, only broken down on a per loan basis, which still does not provide any type of loan modification that leads to a monthly payment reduction, causing me to fall further behind on my payments despite repeated attempts by me explaining that I can not afford the monthly payment they are refusing to negotiate on. 

- The outright lies by Discover, especially on their recorded phone conversations about new repayment programs that have never come to fruition, and how the " Payment Extension Program '' will supposedly make my account current, has in turn caused my credit score to suffer severely, and I am concerned that I will never be able to repair it due to the damage Discover Student Loans and their unwillingness to modify the loan repayment terms on a monthly basis to a fair amount that I have expressed to them countless times that I am willing to meet in the middle on will only cause further harm.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: two accounts of mine ( XXXX XXXX acc ending in XXXX and XXXX XXXX acc ending in XXXX ) are reporting inaccurate lates on one occasion, i have already called and also disputed these inaccuracies from the bureaus and also from the creditor itself. i have received letter from he creditors basically agreeing to remove those inaccurate information, lates from my credit report due to banking error. please have all the bureaus remove this inaccurate information. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Debt collection (Other debt) with Navient Solutions, LLC. (FL).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: Upon speaking to the representative he never read me the mini Miranda, I validation of the debt when he refused to provide. I also, informed the rep that i was making payments direct to client.

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 03-06-2016 about Bank account or service (Other bank product/service) with ENCORE CAPITAL GROUP INC. (CT).
Issue: Account opening, closing, or management

Complaint: I 've taken action during the past 60 days, to date MIDLAND FUNDING has not resolved my issue. Can you please support me in resolving this matter as I have followed all the necessary steps in disputing provided to me by the Federal Trade Commission, and the CFPB but have not bee successful. Should you need any other information, please let me know. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NV).
Issue: Problems caused by my funds being low

Complaint: Service fees on checking accounts? Really? I did n't realize they had even started doing that till I was out of work. Then I was penalized because I did n't have enough money. I did n't even over draft. I simply did n't have the minimum balance to avoid a fee. The logic on this is backwards - if you have money, your checking is free, but if you 're barely scraping by, we 're going to penalize you by taking even more money out of your account? I bank with Chase. If I can find a bank that does n't charge me simply for keeping my money in a checking account, I will change. But this is usury. This is what monopoly looks like. This is what no regulation looks like.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (NV).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Citibank NA processed two consecutive UNAUTHORIZED hard credit report inquiries into my individual XXXX credit information. The first hard XXXX credit report inquiry occurred on Tuesday, XXXX XXXX, 2017, and the second hard XXXX credit report inquiry occurred on Wednesday, XXXX 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 non-monetary relief
Consumer complaint received 06-12-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I have an adjustable mortgage with Chase and I have made several additional payments towards principal. The problem is that Chase has not applied it towards principal. They keep applying my payments towards future payments. I have called several times, have spoken to XXXX of employees including a senior person named XXXX XXXX ( XXXX, extention XXXX ) who promised a call back. I have yet to receive a call back. My loan recasts next week and my new payment will be higher than it should be because my principal payments were not applied correctly. Further, the bank owes me all that interest money in years of holding onto my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Hello, Consumer credit reporting agencies are reporting an account I do n't believe is mine, or is incorrect as I have had no business with the listed company.
Item is listed as :   XXXX   XXXX   XXXX   XXXX  , for the debt of   XXXX   XXXX   XXXX   XXXX   for {$1300.00} USD.
Can the CRA 's confirm validity and provide proof of debt?
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 05/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XXXX is charging me {$120.00} but the phone I purchased for them got stolen and I have no way of returning the phone and my income status is really low.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief