milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-09-2018 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (NY).
Issue: Struggling to pay mortgage

Complaint: This is not the first time that I've contacted you concerning the following. I am a XXXX year old widowed XXXX senior citizen who is a Victim of Predatory Lending since XX/XX/XXXX. My niece who is My Power of Attorney, Attorney-in-Fact who handles all my affairs is writing this for me and has assisted me since XX/XX/XXXX. 

I've applied for help since XX/XX/XXXX, after being told that if I didn't pay the next full mortgage payment, not to send anything less then what they asked for. It unfortunately turned out to be much more then I could ever afford! I am also responsible to pay the entire Water ( $ XXXX/month ) and Electrical bill ( {$600.00} ) for the 2 family house besides my other bills. 

In XX/XX/XXXX, I went to The Neigborhood Housing Services of XXXX XXXX for help! I was told after their reviewing of my Mortgage Agreement, that I was in fact a " Victim of Predatory Lending ''. They said, there wasn't a single page in my agreement that provided proof of my financial ability to pay this mortgage in the first place. 

I have been to Court several times since then and was told by " TWO '' Court appointed Attorney 's ( I have proof in an email from one ) that it was in fact " Predatory Lending ''. I have submitted since then almost 10 Loan Modifications per year and have been consistantly rejected. 
Just recently, I recieved once again, a Notice of Sale for Judgment of Forclosure dated for XX/XX/XXXX ( this was sent regular mail in late XX/XX/XXXX and there is no date on this paper ). 

In XX/XX/XXXX, my niece spoke to a XXXX XXXX from Bayview Loan Servicing , LLC and was informed by her that I was to wait until my new Social Security & Pension comes in XX/XX/XXXX so that I would have more money to apply for another Loan Modication. So we waited until the following transpired. 

During the Month of XX/XX/XXXX my first floor tenant was approached by someone possibly from Bayview Loan Servicing that my home was in Foreclosure. She then decided that she was going to leave and break her Lease Agreement, because of her feeling threatened. 

While attending the many Court appearances, I was told by the Judge that  as long as my tenants ( 2 apartment lessee 's ) had a two year lease, they were safe! But, when people come to my home and speak to my tenant 's they become scared and either decide to leave or not pay rent. This is not fair and has been going on since XX/XX/XXXX. 

Since that time I have contacted XXXX XXXX who informed me that she is no longer assigned to my case to please contact XXXX, an Assessment Manager @ Bayview. I have left messages consistently since then with no response from her or from Bayview? 

Please note that CFPB has every single detail of my dilemma on file! 

Please help me to keep my home!! Your prompt assistance in this matter will be greatly appreciated, because I don't know what to do next! 
Thank you ... ... ... ... ... ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I receive credit monitoring free of charge from my bank. In reviewing my credit score, Experian lists reasons that help and hurt your credit score. While reviewing the reasons, I noticed that two of the reasons that help my score are also factors that hurt my score ( please see enclosed document. ) Given there is conflicting information, how is one to improve their score? This is confusing and can lead the consumer to make decisions that can negatively affect their score, while intending to improve their score. 
This seems very deceptive and unethical. 
Please help.

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 10-10-2017 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: Account information incorrect

Complaint: Both Transunion and XXXX removed a past debt that was XXXX in XXXX. Then the debt was placed back on my report without notification stating the account was verified. The XXXX copy has been sent to both parties showing that the debt is void and the continue to leave it on my report. The debt continues to be reported as {$24000.00} owed by both agencies while the 3rd agency has removed it since early XX/XX/XXXX

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 10/20/2017 about Payday loan, title loan, or personal loan (Payday loan) with CURO Intermediate Holdings (DE).
Issue: Received a loan you didn't apply for

Complaint: I went online and expected to get a general payday loan! I was out of work and contacted them to see if they had a hardship program! They stated they did not! Not only that but they informed me my loan was an open end loan, I didnt even know what that was until I gioggled it! I dont want a loan that doesnt end! 

I have made payments to resolve this but am only paying off interest! I honestly didnt realize what I applied for! 

I thought there would be a cap or a end and I would be able to make a payment arrangement to pay off the loan!

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (KY).
Issue: Taking out the loan or lease

Complaint: I applied for a loan with the office in XXXX KY for the company OneMain Financial and I was discriminated against because I am on XXXX. I feel It was wrong to treat someone with a XXXX the way I have been treated. The Office Manager She hid behind my student loans that are deferred for a year after I was initially told that I could be helped if I got her paperwork of them being deferred for a year. I was working with a loan officer initially when I applied for the loan of $ XXXX {$3000.00} dollars and was told because I have student loans showing up that I need a letter showing they are deferred for at least a year before they could help me and give me a loan that was company policy. I talked to XXXX Friday and told her I had the letter and I also had my award letter from XXXX as well stating I had backpay coming and if that could be used as well to show my income for the year as it was from XXXX and that was the source. She said to send the paperwork which I did. She said her manager would have to look at it and approve it and would look at it Monday. Well, she called me today and told me she could not help me because my student loans were only deferred for a year and my XXXX was my only source of income and I had a credit payment and then insurance would have to be put on the car. I explained that I could afford everything and needed the car to get to doctors, food shopping and appointments and she said that I would have to get my student loans discharged permanently before she could help. I explained I could not do that because I did not have any way to pay taxes that would be due because the way it works when student loans are discharged. I begged her to help and it kept being brought up that I was on XXXX and had Student loans that would be coming up due in a year. I only needed the loan for a year and could have paid it off I explained and she was wanting to extend the loan for over a year I guess to make more in interest which I only wanted the loan for a year, to begin with and she kept bringing up that I was on XXXX and she could not count my backpay as anything and if I get my student loans discharged she could help me then. My Student loans are none of her business and what gives her the right to tell me to put myself in further financial problems with the IRS her advice was not logical and she was discriminating me and hiding behind me having student loans for the fact of my income being XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Payday loan () with Big Picture Loans, LLC (OK).
Issue: Charged fees or interest I didn't expect

Complaint: I applied for the loan but was unable to access the information about fees and the exact rate of interest. I have paid over {$1200.00} already for a {$1000.00} loan.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Account opening, closing, or management

Complaint: Bank of America closed all of my accounts, including checking and credit cards, for no reason and without notice. First they deducted {$880000.00} from my checking account, and then locked me out of online banking. Now I have no access to my cash in the checking account, and customer service is unable to help. They gave me a name : XXXX XXXX in Corporate Security. But she could never be reached at the number/extension given. My money just disappeared into thin air!! This is extremely unfair and unprofessional and I demand immediate access to my checking account!!

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 12/30/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: This complaint is against OCWEN Loan Servicing , LLC who has once again filed to foreclose on my property on XX/XX/XXXX despite numerous complaints filed against Ocwen for violations of the NMS, the XXXX Consent Orders, TILA, RESPA, FDCPA, FCRA, and the CFPB Guidelines for Servicers. Despite various complaints regarding the property at XXXX, XXXX, XXXX XXXX, including an illegal lending transaction, robosigning, and innumerable violations of the above court orders, laws and regulations, Ocwen persists in refusing to respond to detailed complaints with proof attached, and is trying again to foreclose again which makes 8 times in just over a year which shows the desperation Ocwen has to create a legal document regarding the property that to date does not exist other than my Warranty Deed. All other docs in the chain of title are fraudulent. 
For this attempted FC Ocwen did not send the 14 day notice prior to FC, and its attorneys did not send the notice of FC within 30 days under state law. 
Ocwen ignores the illegal lending, void transaction in the initiation of the mortgage by a company that was not incorporated and not licensed as a lender. Exhibit B-C-D. 
Assignments in the chain of title are blatant robosigning documents as shown. Exhibits G-H-I & O. In fact Ocwen robosigning has continued unabated since XXXX, Exhibits G-H-I-O. 
Extensive complaints have been filed by me against Ocwen for its specific violations of the NMS and the CFPB regs and Dodd-Frank with very specific cites to violations of TILA, RESPA, FDCPA, FCRA, without any response from Ocwen other than general denials. See Addendum Exhibit Numerous violationos of state laws and cases have been submitted to counsel for Ocwen with no response whatsoever. XXXX Letter & Addendum Exhibits Extensive violatations have been noted of Ocwen 's violations of law re suspense accts, escrow accts, application of payments, and proper credit by Ocwen 's own admission Exhibit E. 
Ocwen uses an illegal and inaccurate demand letter dated XX/XX/XXXX which incorrectly states amounts supposedly owed, which figure Ocwen has changed numerous times but has never sent anything like a accurate statement of account demand in violation of law and regs Exhibit L A settlement letter equivalent of a loan modification was sent directly to Ocwen and its attorneys but has never been responded to in over a year. Exhibit F Ocwen has engaged in regular, constant and consistent violation of the required conduct of the NMS, the XXXX Consent Orders apparently believing they can do so with impunity.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: Please see the attached cover letter. It pertains to significant fraud that has been allowed to go on within many of the largest US banks. 

Please make a good faith effort to investigate and stop these practices in a timely manner. No disrespect intended but it would be unwell for the media to report in 2023 that these companies knew of this fraud 7 years earlier. 

It is estimated that at least XXXX XXXX consumers have been adversely affected by these bad actions.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: TransUnion credit bureau has had an account on my report listed as " in dispute '' status for over XXXX months. Because of this I have been unable to secure a mortgage as the lender will not issue a mortgage to anyone who an account shown as " in dispute ''. They have been unable to tell me why it remains in that status and show no inclination to change it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Debt collection (Federal student loan) with Account Control Technology, Inc. (DE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Illegal and Improper contact from third party debt collector.

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 11/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I Had an owed debt with XXXX which was sent to collections to Enhanced Recovery Company. I spoke with them and they offered me a settlement which I took and paid. All of this time it was not on my credit report at all whatsoever. After it was paid which they see on their system It was than reported to all three credit bureaus as a collection also as unpaid although it is paid. They are reporting false information on my report, I lost 43 points because of them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 11/17/2015 about Consumer Loan (Vehicle loan) with CITIZENS FINANCIAL GROUP, INC. (TN).
Issue: Managing the loan or lease

Complaint: We paid off our loan and the bank says that they mailed our title to and old address. The bank stated that we did not update the new address information in time to get the title mailed to the correct address. We did receive a letter congratulating us that we had paid off our loan to the correct address. I mailed the payoff check to the bank 2 days before we checked to make sure the address was right. So obviously the postal service runs really fast or Citizens Bank 's systems do n't work as well as they should. We have called several times with no single person having any real knowledge of what 's going on. We have had the worst customer service I 've ever had. I seriously believe that Citizen 's Bank hires the people that the cable company would n't hire for customer service. I contacted the person that now lives at the old address and they have not received anything from Citizens Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (NV).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am XXXX years old with no money for retirement and my student loan of XXXX is causing me undue financial hardship. My health conditions are making so that I can not longer work extra hours ( XXXX ) to pay for these loans. I have a XXXX in Information and an XXXX that has not paid off and I am in the same job that I was doing prior to taking out this loans so this education has not paid off for me. I also am a single parent supporting a XXXX student that can not match for a XXXX due to the limited XXXX in this country ( XXXX applications for XXXX positions ). I need a lawyer that will discharge this burden so that I can save some money for retirement or I will be living in the streets for sure. I need some help please. I 'm so depressed.I have gone to several attorneys and financial advisers and they can not help me.I need a lawyer that can help me please. Please email me at XXXXXXXXXXXX or call XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX decided to run hard inquiries on my credit report for 3 consecutive days, totaling close to 17 hard inquiry hits on my report, causing my report to decline drastically. By almost a 100 points. I never gave them written permission to run my report. I only gave them written permission to run my credit one time through the XXXX Website that I already had 5.9 % financing through. Then I bought the car for XXXX $ US dollars, and 8 months later they claim it is only worth XXXX $ even though the car was brand new under factory warranty. Which they don't warranty nothing. They are price fixing, gouging, and currently breaking Anti-trust Federal Regulations. I will be suing them in court to have this removed from my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: This complaint is being filed cause sometime in  XXXX  i realized that my card was missing and i reported it to discover. They never credited the fraud charges so i was waiting for the credits to be done on the account. Today i called in and they had never flagged the fraud charges and i am being reported to the credit bureau for 30 day late payment for  XXXX   2017. I ha ve contacted them and been transferred to several departments and to no avail been able to have this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have sent proof of identity theft to the XXXX credit bureaus they have not acknowledged the information or removed any of the accounts. I have done this on 4 occasions in the last year, i have gotten a police report, ftc affidavit, and requested the bureaus to send me proof of these items that they are saying i recieved gainfully. I do not know what else to do at this point. I have done everything that was requested and they will not remove the items

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 04/18/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My name is XXXX XXXX XXXX XXXX not XXXX XXXX My birthday is XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX   XXXX   XXXX   XXXX   came on my  XXXX   XX/XX/XXXX as a hard inquiry. I called both companies asking why did they pop up on my Inquires. They stated  XXXX  (  XXXX , NC ) said I was a cosigner for a car. That 's incorrect, because I have no driver 's license, nor consent to being anybody co signer. I called  XXXX  they said they had no record of me. Asking to please take these fraudulent Inquires off my credit report hindering me from progressing in life.
Syncb ( National Credit Card/ Airlines Are on my   XXXX    XXXX . Dates are  XX/XX/XXXX  &  XX/XX/XXXX . I 've called and they ca n't find me in their system. I do n't even know who the company is.

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 04-06-2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I have paid on this XXXX mortgage for 8 years and recently decided to pay it off. When I started looking into the payment history which is on line, I discovered that the payments have not been equitably allocated throughout the 8 years I have been paying on the loan. There is no consistency in the allocation of interest, amount toward principal, etc. There are also " fees '' listed with no explanation. I tried contacting the company and they would not give me any answers. I turned over the matter to an attorney and the company has not been responsive to the attorney 's attempts to obtain any information from them. My attorney suggested that I file a complaint with this agency in order to make the company respond to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2015 about Credit reporting () with EARLY WARNING SERVICES, LLC (NV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX and the early warning System are reporting derogatory information to XXXX Pertaining to frivilous debt that im not responsible for Im a victim of fraud and identity theft since XX/XX/XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are the Perpertrators. XXXX XXXX WAS AUDITED IN XX/XX/XXXX BY THE Irs tax examiner for claiming fauld dependenr deductions. They also opened a checking account A Business Account with XXXX and a XXXX acct with XXXX XXXX bank then had me investigated by consumerinfo Credit collection Agencies are reporting incorrect information about my income Residential Address and XXXX XXXX XXXX is displaying incorrect information about my nane and sex. The division of the general service administration is reporting derogatory information about me. I was convicted of a crime but my civil liberties are restored. I am discriminated against in XXXX XXXX by federal entities because the assused me of a frivelous homicide which i would have been proven innocent if i had of appealed to the united states of nevada supreme court. Every since i came back to las vegas ive experienced nothing but casualties and theft of identity and fraud and more retaliation by the state of Nevada parol Commissioners. I am the owner of XXXX XXXX I was Audited in XX/XX/XXXX By XXXX XXXX Of The XXXX for over payment of funds

Company response to consumer: Closed with explanation