milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-09-2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (TN).
Issue: Struggling to pay mortgage

Complaint: XXXX   XXXX   XXXX  has held this mortgage on my investment property for years. In  XXXX  they notified me that they were selling the loan t o Bayview Loan Servcing. The first notification from Bayview was that I was behind on my payments to the   tune of {$1500.00}. This should n't be possible because according to  XXXX   XXXX   XXXX  I was current up until  XXXX   XXXX ,   XXXX  . The loan was supposed to transfer to  Bayview  on that date and my first payment was to go to them. However,  Bayview  claims that I owe them for  XXXX ,  XXXX , and  XXXX  payments. Yesterday  XXXX / XXXX /  XXXX   I received a letter dated  XXXX / XXXX /  XXXX   that the loan was in default and that I owed them all the way back to  XXXX / XXXX /  XXXX  , a month before they took over the loan. So I calle d Bayview and they said I was 3 months behind. How could this be if Bayview only h as held the loan for a total of 38 days starting on  XXXX / XXXX /  XXXX  . Last week I verified with  XXXX   XXXX   XXXX  that I was current up to  XXXX   XXXX . Bayview claims I now owe them {$1600.00} in late fees and  Corporate Advance Balance ... .w hatever that is. I tried to call  Bayview  again today  XXXX / XXXX /  XXXX   and after waiting on hold for aprox  10 mins  they closed the office while I was on hold. I believe they are trying to take my property. A property that is a major investment in my time and money over the last 15 years.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with CITIBANK, N.A. (MN).
Issue: Confusing or misleading advertising or marketing

Complaint: I received a notice from Citicard stating that my  Mother m  ay  be entitled to a refund for an optional debt protection program which she  may  have unwittingly been enrolled and charged for. I went to their website to enter her information to indicate she was deceased and could not get any further information. I have questions on where I would find these charges, if her estate will be given a refund and how much. When I called I was just told they had not information for me at this time, blah blah blah. I feel that my   XXXX    Mother  may h ave been scammed by a large unethical corporation and I want them to be held accountable.

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 12-01-2016 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (NE).
Issue: Problems when you are unable to pay

Complaint: I bought a car and was making payments when I lost my job. I fell behind. The car was repossessed and sold. I owed {$13000.00}. The car was sold for {$8900.00}. 
Westlake Financial Services sent this to a collection agency. When I called the collection agency they said it had been taken back by Westlake. 
This is my complaint. When Westlake Financial Services called 2 months ago they told me over the phone if I paid {$3700.00} they would accept that as final payment and remove it from my record. I have called them back today and they are demanding {$6200.00} and if I could pay 85 % of that in cash they 'd accept {$5300.00}. I have the original {$3700.00} and am willing to close out the account, but they have now changed their minds. I have talked to them numerous times and they always change. They will not put their offer into a letter. It 's only an oral agreement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I lived with a foster parent years and I pulled up my credit report. I found out that she is using my name and information without my consent. I have n't lived that former foster parent since     XXXX   So she should n't be using my information. I also saw some things on my report that was n't from me and it shows my name being used in ways that I do n't spell my name.

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 04/27/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Predatory lending Practices : AES told me to make XXXX consecutive on-time payments - made under false pretense This month XX/XX/XXXX, I am to make my final payment to AES for a private student loan. However, regarding my federal loans, AES was dishonest in its practice where a negligent AES representative lied to me about the loan term, making this unfair lending practices. 

What happened? I have worked for the government for close to XXXX years. XX/XX/XXXX, I called AES and requested to get on the " public service loan forgiveness '' program. The AES rep told me to sign some documents ( IBR ), get them back to AES- and then all I need to do is make 120 on-time payments to AES and that 's it. The woman even told me, " not to worry about providing proof of employment stating " you can do that at any time ''. So, I put all my efforts to make sure that loan was a priority in addition to my other private loan with AES. Twice I was ensured I was on the public service loan forgiveness. Lots of penny pinching. 

After XXXX consecutive on-time payments to AES, I called and asked for a 1 month forbearance, asking if this would interfere with my 10 year consecutive on-time payment requirement. I was told - I had been paying on the wrong loan repayment program, that AES DOES NOT EVEN OFFER the PSLF. I have to start over at payment ONE by transferring these loans out of AES and into the hands of another company : Fed Loan. Do you have any idea what this feels like - the absolute agony of starting over at month one, especially as I am approaching retirement? I am beyond mad. 

I filed a case with the ombudsman, but AES denied all wrong. I am asking that someone help to find a way to make this right. I need assurance that those XXXX lost months do not interfere with my life- I am very concerned about this now.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Mortgage (FHA mortgage) with Supreme Lending (TX).
Issue: Application, originator, mortgage broker

Complaint: The lender overstepped his boundaries and did not honor his agreement for the first time down payment assistance program. This unethical behavior lead to, the lender trying to force me to purchase a home with monies that was not agreed upon nor discussed. As the buyer I lost an extensive amount of money along with a portion of my earnest money because of the lender 's unethical behavior and unwillingness to submit a denial letter. I understand this unethical behavior to be a case of predatory lending and the lender should be responsible for giving me back the other portion of my monies that I lost in earnest money and for a class that the lender was aware that I would not qualify for.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Ability Recovery Services, LLC (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: My credit report shows a collection account by XXXX XXXX XXXX for something called " XXXX XXXX ''. I sent the attached letter to XXXX XXXX XXXX requesting proof in the form of a signed document by me stating that I am responsible for this account and to date no one has responded to my request. I believe this is a violation of the Fair Credit Credit Reporting Act. My identity was stolen and I am only finding out about it now as I went to apply for a credit card. I am demanding strict proof that this is my debt and I want to see where I signed for this loan/credit card or whatever the original debt is. It has been over XXXX since since I made my request and this is hindering my approval for an apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Debt collection (I do not know) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a phone call from XXXX XXXX XXXX, and spoke with XXXX XXXX. The phone numbers she called me on are XXXX ( registered to an auto repair company ), and XXXX. She said I owed HSBC over {$2000.00} and that I have not been responding to any of their correspondents. I have no received anything in writing, email or phone calls until XXXX. She would not give me any information except the last four of the account number. I checked my credit report and let her know this was not my account. She proceeded to tell me it did not matter because it is associated with me and I have to pay it. She also proceeded to tell me that it XXXX I received the short end of the stick. Also, she informed me all credit agencies do not report to the credit bureaus. In my experience, I have always had all of my loans, credit cards both in green and collections how up on my credit report. Once she bullied me enough, I asked her if there were options since I started to believe I did something wrong. She let me know I can make 6 payment of {$270.00} or a one time payment of {$1200.00}. I proceeded to call HSBC and spoke with a gentlemen ( I could not understand his name ) who confirmed I do not have any accounts with HSBC. When calling her back she let me know I should not have done that and that is illegal. At that point, I was done and just wanted to speak to her supervisor however was railroaded and bullied again stating this is my debt and if I am trying to by time or skate by and not pay it was not going to work. I told her I would call her back since I still did not believe I should pay for something that is not mine. I spoke with my parents and researched the numbers to find it was SPAM and others have dealt with the same thing. I decided to not call her back and let it go since i knew it was not my debt. She has since called me three times leaving voice messages telling me again how sorry she was that I got the short end of the stick, that i should not have wasted her time and she will still file for employment verification to garnish my wages on Monday. She has also called my sister, mother, father and aunt looking for me and said a few choice words to my father. When speaking with my father she told him, " sir, your daughter likes to spend a lot of money and buy things. '' When calling my sister, aunt and mother she continued to bully, harass and hang up on them each time.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (WA).
Issue: Struggling to pay mortgage

Complaint: Wells Fargo Home mortgage company has lied to me on several occasions during my attempts at a loan modification. The assured me they would have my file transferred to a home preservation specialist in time to meet deadline on the Making Homes Affordable program.That did not happen, so I no longer qualified for that program They denied my modification and appeal, saying that it conflicted with with bankruptcy, even after my attorney told them we could adjust the bankruptcy to fit there terms.
I requested another chance at a loan modification, stating my finances had improved and they said they would send me out another packet, but after not receiving one, I called to see what 's up and they said they were not going to let me re- apply.
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At one point a supervisor said they needed till the middle of XXXX to make a decision, but it turns out that the decision had already been made ( appeal denied ) and they were trying to bide time for bankruptcy protection to end so they could start foreclosure process. The last Specialist that was assigned, never talked to me once and never returned one phone call.
If I had n't called, I would have never known. Usually takes 2 weeks to get a letter from them that is dated way back. They write them and date them but do n't send them out, so everything is 2 weeks behind, which cuts down responses time.
At one point they said I was approved and then came back and said, oops we made a mistake, you 're denied. I have ask them for 2 months to sell the house, for I have equity, and they refused, so now they are going to start the foreclosure and I will loose all my equity. This has been a most horrific experience. It all started due to medical issues, which I have recovered from fully and I am in full swing again, except I am going to loose my house.

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 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This company is still falsely reporting payments made in am attempt to extend the life the loan on equifax credit report. They are reporting that a payment was made XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX. NONE OF THESE PAYMENTS WERE MADE. They repeatedly keep marking my credit as payments made when they have NOT, in aN attempt to restart the 7 yr process. This is fraudulent activity. They are also in violation the of the florida credit report act and federal fair credit reporting act. 

Your company responded with " We are not reporting payments made on this account. The last payment we show reported was XX/XX/XXXX. She has disputed this account several times but we are reporting what our records indicate. '' Yet equifax is reporting payments made, as EVIDENCED BY MY CREDIT REPORT. Equifax does NOT report payments made UNLESS THE COMPANY CALLS TO REPORT IT!! Therefore im seeking legal counsel and start the process for a class action lawsuit And it was bro7ght up directly with XXXX and i showed him my credit report and he laughed and responded " oh i dont know how that happened '' EITHER FIX IT OR A CLASS ACTION SUIT WILL COMMENCE.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I disputed an account on my credit report asking for verification. Never received verification about the account yet it 's still reporting ev ery 2 to 3 m onths updating on my report with latest date reported showing  X/X/2017   . Amount past due shows {$900.00} but highest balance shows as {$900.00}. Every now and again, they update with amount past due as  XXXX  and then drop back down to  XXXX . The only remarks left from dispute were " Charged off as bad debt., Account information disputed by consumer, meets FCRA requirements '' but I have still not received any verification of the debt, to date.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: A fraudulent XXXX loan claiming us to be co-makers of a loan not underwritten by the US Dept of Education was discharged in a bankruptcy action filed in the United States Bankruptcy Court XXXX/XXXX/03, and discharged XXXX/XXXX/03, case No. XXXX. XXXX, now known as Navient Solutions Inc. continues to harass us for payment by referring the account to various collection agencies ( Approximately XXXX at this writing ). We would like this action to cease.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I checked my credit report in XX/2016 when I saw a collection from XXXX XXXX XXXX ( XXXX XXXX XXXX ). I immediately disputed the reported information as invalid since I initially thought it was related to a missed payment. However, after further investigation I learned that the account in dispute was for an unknown address. Further, I filed police reports with the XXXX XXXX XXXX Police Department for accounts opened with XXXX XXXX and XXXX XXXX. The investigation took over 6 months and was dismissed the XXXX XXXX XXXX ( aka ) XXXX XXXX as Valid since, I did not have a POLICE REPORT attached to the complaint, rather a complaint number ( which I was given ). I received a letter from XXXX XXXX stating that the Identity Theft complaint was closed because I submitted the complaint number. BOTH fraudulent accounts were billed to address I do n't live at nor, have I ever lived there and the suspect was named however, the Police failed to arrest the individual stating that they denied the theft. I too XXXX statutorily too long to resolve the complaint and they have not provided any evidence of how they verified the authenticity of the accounts as required by law. Subsequently, I want the item removed from My CREDIT report

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Vehicle loan or lease (Lease) with ALLY FINANCIAL INC. (AL).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint: I currently lease a XXXX XXXX XXXX XXXX through Ally. I am within 90 days of the end of this lease and as I have done many times before with leased vehicles, I considered trading in the vehicle early. I contacted Ally on XXXX/XXXX/XXXX to request a payoff amount and was given a figure of {$23000.00} good through XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I decided on a new car to purchase and arranged a trade-in deal with the dealer based on them taking my XXXX XXXX XXXX and paying off the lease through Ally. 

When the new car dealer went to verify payoff information through Ally, they were told that the payoff amount of {$23000.00} that I was quoted was only good if I purchased the car for myself. In order to take the Jeep on trade, the dealer would have to pay Ally over {$27000.00} in order to payoff the lease. I feel that having different payoff amounts is a deceptive practice by Ally. I understand that early payoff of the lease is a calculation based on the original lease contract terms including the vehicle 's agreed-upon residual value. That amount should not change whether I am buying the car for myself or trading it in to a dealer. There is no mention in the lease contract of the difference in payoff of the lease for me buying the car vs. trading it in.

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 06/21/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Since XXXX 2015 our mortgage company Seterus Inc. has not credited our payments correctly and because of this they have charged us late fees because the payments are going into supense. I have called and spoke with the customer service people who say they are fixing it and still it is not fixed. I then have called and spoken to the supervisor of the call center XXXX XXXX who assured me she would have it fixed and still not corrected and also XXXX XXXX. I have spent over 15 hours on the phone with these people and all of who say that it will be corrected and that I can make my payment and it still is not fixed. I was told that it was because i was making my payments too early for the monthly payment, so then I started waiting to make the payments one the XXXX and still not fixed. They have my money in suspense and have not corrected my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-09-2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (LA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: Original debt was closed and processed by original creditor and then XXXX XXXX  purchased from secondary lender. Now the balances are completely incorrect from what actually was paid off as well as denied debt validation. XXXX also hasnt tried to reach me before going to court and filling a lawsuit.

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 05-06-2015 about Credit card () with DISCOVER BANK (IL).
Issue: Unsolicited issuance of credit card

Complaint: Yesterday XXXX/XXXX/XX/XX/2015 I applied for a Credit Card via an offer from Discover Card through Credit Karma. When I submitted my information I was then told I do not qualify for the Discover Card I applied for and a XXXX card offer was made. This XXXX offer of lower interest ( BASED ON MY CREDIT SCORE ) was used a BAIT to get me to fill out the paperwork. Once I completed the paperwork another page popped up asking me to send copies of personal data such as SSN and or Current bills. I was not comfortable providing this information largely since the app did not work and all other credit cards I have can provide approval in XXXX seconds based on information contained in my XXXX XXXX. I called Discover Card and asked them if they were the actual Credit Card or was this scam, the whole thing was a bit fishy. I learned the Discover Card had no idea that they are soliciting new customers using bait and switch tactics on Credit Karma " indicating they do not communicate internally ''. I demanded that this process be cancelled and my credit hit be removed to protect my score. Today I get an email indicating the account was still being processed against my will. I called and spoke to XXXX Senior Agent in Delaware at phone number XXXX regarding application XXXX. I also demanded that she terminate the application and remove the credit hit sine this whole process was unfair and dirty BAIT AND SWITCH tactics. I told her I do not need the card with HIGHER INTEREST and I will not tolerate this treatment.

Company response to consumer: Closed with explanation