milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/14/2017 about Mortgage (Conventional home mortgage) with AMERICAN INTERNET MORTGAGE (CA).
Issue: Trouble during payment process

Complaint: I am filing a complaint against Aim Loan. On XXXX XXXX, I scheduled a mortgage payment to process out of my checking account on XXXX XXXX. I did this at Aim Loan 's online mortgage website. On XXXX XXXX and XXXX, I tried to cancel that payment, but I could n't find anywhere to do that online. On XXXX XXXX, I called Aim Loan, and their offices were closed. On XXXX XXXX, I called Aim Loan and got through to customer service. I was informed that I could n't cancel or change the appointment because it was " outside of the change window. '' I asked what the change window was and was told that I had ONE HOUR ( after I scheduled the payment ) to change or cancel that payment. Nowhere on the website ( as confirmed by an Aim Loan supervisor ), does it tell me that I had only ONE HOUR to change or cancel that payment. Had I known that, I would n't have scheduled that payment. The supervisor told me that the only way I would have known that is if I 'd called and asked. I called my bank to stop the payment, and it 's {$20.00} to do that. I will pay it, but I should not have to since there was no information about the ONE HOUR. Also, I have no idea if Aim Loan will also charge me. Please let me know how to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Debt collection (Medical) with JH Portfolio Debt Equities, LLC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had XXXX medical bills from college, about XXXX that I did not know existed. They were given to a debt collector and after seeing them on my credit report I paid them in XXXX. Now, a company called Credit Control LLC is attempting to collect the debt again even though it was zeroed out on my credit report.

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 01-05-2017 about Mortgage (FHA mortgage) with CITIBANK, N.A. (AR).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/2016 I filed an application for a mortgage modification. We had a hardship the prior year and tried modifying our mortgage back then but was denied due to missing information. So we started to try and catch up on our mortgage on our own but was not possible. So the application was submitted along with all required documents. Our mortgage bank ( Citi Mortgage ) sent a letter stating that " ALL '' documents have been received and no further information was needed. Since we were denied before for application being incomplete i continued to send pay stubs and bank information. I followed up with the bank 1-2 weekly ... always told application is pending with the underwriter. As of today it 's been 3 months pending and about 2 weeks ago I received a foreclosure letter with a date set for XX/XX/XXXX. As I get home today I received another letter asking me to send in all the documents again. The same information they already have and I have emails and regular mail stating all required information is complete. I contact the foreclosure attorney that is assigned our case and they had no idea we had a pending modification and can only stop it when the bank contacts them. I then contact the bank and they keep telling me that there is nothing they can do until they receive notice from the underwriter. Looks like the foreclosure will go through before we can get a loan modification agreement. I need help, who do i contact ....

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 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have sent numerous letters to the three credit reporting agencies and also the companies involved asking to remove inquiries. I keep getting the run around credit bureau says to contact customer who put the inquiry on, the company says they ca n't remove to contact the credit bureau. 

None of these inquiries have been marked as disputed on my credit report, I do believe these are supposed to be verified just like any other thing on my report that I dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: In the year of XX/XX/XXXX, I was having great difficulty making payments after Navient, XXXX XXXX at the time started requesting me to pay after I graduated. I could not afford the monthly payments and asked them if it could be lowered. Customer serviced explained my only option was to go into forbearance. With this option all payments will be stopped for a period of 6 months. They explained that {$50.00} would be applied as a fee and is non-refundable if I am approved for this " program. '' After 6 months, my payment increased to {$250.00} and I entered into forbearance again because I still could not afford it. And was only paying the minimum {$50.00} towards interest. Even so, my balance still increased significantly. For the past 4 years I have been in forbearance because of there being no other option to lower my payments. A loan that I only borrowed {$31000.00} has increased 100 % in 4 years to {$61000.00}. I sent in paper work back in XX/XX/XXXX of XX/XX/XXXX to Navient to request lower payments based on my income, but I was denied with no explanation. It is now affecting my credit because I have no way of paying {$800.00} per month. I have minimum amount of {$7000.00} due and in serious trouble of this going DEFUALT. I tried talking to companies to help consolidate or help work a settlement to lower my balance but nothing seems to work in my favor. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (NY).
Issue: Making/receiving payments, sending money

Complaint: For several months I received an Email monthly stating that my Bill Pay account at Wells Fargo Bank.had been debited. I have no accounts of any kind with any Wells Fargo branch. Could this have been one of the fake accounts recently discoevred? Copy of one of the Email follows. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- From : XXXXXXXXXXXX To : XXXXXXXXXXXX Sent : XX/XX/2016 XXXX Eastern Daylight Time Subj : Wells Fargo Bill Pay : Payment ( s ) Sent Wells Fargo wellsfargo.com Bill Pay payment was sent We have sent the following Bill Pay payment ( s ) : Payee Name ( Nickname ) Amount Sent Date Sent Delivery Date WELLS FARGO FINANCIAL NATIONAL B {$200.00} XXXX/XXXX/2016 XXXX/XXXX/2016 Please note : We have debited your Bill Pay payment account ( s ) for the above payment amount ( s ). It may take up to three business days for payments sent electronically to be posted to your payee account. It may take up to five business days for payments sent by check to be delivered to your payee. 
If you have questions, we are available 24 hours a day, 7 days a week. Call Wells Fargo Online Customer Service at XXXX or sign on to send a secure email. 
To unsubscribe from this notification, please sign on to Bill Pay. 
wellsfargo.com | Fraud Information Center Please do not reply to this automated email. Sign on to send a secure email.

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 01-11-2016 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (RI).
Issue: Managing the loan or lease

Complaint: I have XXXX issues with Ally financial. First, I turned a a XXXX vehicle XX/XX/2015 and they finally sold the vehicle XX/XX/2015. They are now looking to me for a shortfall that they helped create by letting the car sit in their possession without any activity. I am told be several XXXX salesmen that the company makes a practice of this - letting cars sit, allowing for further depreciation and creating a larger shortfall than necessary - then they go after the lessees for the self-created shortfall. Additionally, Ally is calling my cellphone XXXX times a day without leaving a message. I think that is harassment.

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 06/13/2016 about Mortgage (Conventional fixed mortgage) with TD BANK US HOLDING COMPANY (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I spoke to a lady in the mortgage dept. yesterday. She said they put money in an escrow account. I do not have and never had an escrow account. Furthermore I have not been late for the dates that she claims. You can not get a late fee unless payment is made after XX/XX/XXXX. XXXX/XXXX/XXXX I made XXXX XXXX payment. then XXXX/XXXX/XXXX i made XXXX XXXX payment, XXXX/XXXX/XXXX I made XXXX XXXX XXXX payment, then XXXX/XXXX/XXXX I made XXXX XXXX payment, then XXXX/XXXX/XXXX I made Mat XXXX payment, then XXXX/XXXX/XXXX i made XXXX XXXX payment and XXXX/XXXX/XXXX I made XXXX XXXX payment. I was only late XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX which I made during that time & paid additional late fees XXXX/XXXX/XXXX. So I may have over paid you. Now they may owe me. I am paid up & owe them nothing. I have been calling them, messaging then & going to the branch for XXXX months about the same thing. I paid them all that I owe & may have paid more they still claim I owe. Every time I speak to someone they hang up, someone suppose to call back or they are going to research the matter. Nothing ever happens. What they are doing is unethical or someone is very incompetent & do not know how to apply the payments I made correctly. I need your help this is a serious matter. I am XXXX & can not keep going through this. If I am not mistaken I asked for your help also no reply. This is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
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: This is my 2nd attempt to get this rectified with your organization in regards to these   XXXX   accounts reporting on my credit file. I am making complaints against  XXXX , Experian and "   XXXX   XXXX   '' for reporting an unverified debt. I have no idea why these   XXXX   accounts are on my credit file and where they originated from. I  continue to receive auto-responses that this has been " verified '' and at no time have I ever received any agreement or contract with my signature on it verifying that I ever agreed to pay or owe this debt! What this means is that anyone can state that any consumer owes them money and it 's taken at face value with no consequence or proof! This means that I can send a collection agency a claim that whoever is reading this owes me {$2000.00} and the bureaus will believe it when that company says that it has been verified and that 's the end of the story. It does n't work like that. Congress states that the only legal proof is firsthand knowledge which means having the actual documentation in their hands. If that were true, there would n't be such as issue in regards to validating this. In addition, I 've had to dispute with this company at   XXXX     separate addresses because the address listed on my credit file is not valid and was returned. I have only received  XXXX  letter from   XXXX   XXXX   and it was from a different address than what is listed on the report. Therefore, I disputed with them at that address via certified mail ( each time ) and at no time have I ever received any other correspondence. Because they are not replying to me at all, this means that I am right and do not in fact owe any money to them. If I did, they would immediately send me the proof of this and back it up! The bureaus have disregarded my request for method of verification, procedures used to verify this debt and have willfully told me that this has not been disputed for the past 3 months even though I have faxed it to them as well as sent in the mail. I can also see on experian.com and   XXXX   that the status of this account continues to change from in dispute to not, so I do know that my disputes are being received.

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 03-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with R & B Corporation of Virginia (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I noticed i had XXXX bills on my credit file that i have no contract with never applied for no service with them have no knowledge of these accts. XXXX is for {$350.00} and another for {$55.00} I told them that they have violated my rights by putting these derogatory items on my Credit did not give them my consent and this fraudulent information was put on without contacting me before placing these items on my reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (CA).
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: As part of the Equifax hacking scandal, I was told that I might be impacted. As such, I 'm filing a complaint against Equifax for how they handled this situation and how they have not offered any sort of services or help for those who might have been negatively affected by their blunder. It 's the height of unprofessionalism and hardly seems legal that something like this should be allowed to happen without certain safeguards in place or without providing information on how to deal with this problem. Additionally, the fact that enrolling in their Fraud Check report system means waiving the ability to sue them down the road seems highly suspicious.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: Because of the recent revelation of XXXX data loss of consumer data, I decided to freeze my credit report with all four agencies. On X/X/17 I went online with Experian and filled out the paper work and paid what I thought was a {$1.00} charge. ( XXXX dollar. ) I just discovered that I was enrolled in a {$21.00} a month plan that I did not want, did not consent to, do not want and I consider a fraudulent practice. 

It is very difficult to remove my membership on their website and there is no way to get my credit card number removed. I think I managed to remove my membership in this unwanted plan. I strongly object to what I consider completely fraudulent practices by this company, and want a refund of all but {$1.00}, which is what I agreed to pay. I also want my credit card number removed from their database.

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 monetary relief
Consumer complaint received 05/26/2016 about Debt collection (Medical) with Remex, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The representative who helped me to make a payment told me that he is going to remove this as never charged, but still on my credit. can you please verify this and remove this for me? 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: XXXX XXXX XXXX has been harrassing me and threatening to sue me for a debt that occurred in XX/XX/2009. I have asked them not to call me any more each time they call, but they keep calling me on my cell phone. This is not the first time I have had problems with them. A year ago they illegally reaged the account with the credit bureau, and threatened me with legal action, and it only stopped after I filed a complained.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have multiple loans with Navient that totaled more than {$50000.00}. I requested documentation on the loans in the past to determine if the balance is accurate. 
I did not receive the required details on each loan as requested. My loans have increased or skyrocketed in spite of me making timely payments monthly. 
I feel that my current balance is inaccurate even after paying off several of the student loans received.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I went to XXXX in XXXX, WA for the Winter Quarter of XXXX and for a few weeks XXXX Winter Quarter. I signed one Promissory Note for this first quarter in XXXX. After a few weeks in XXXX XXXX I was called into the Dean 's office and told my math skills were n't good enough for continuing the college so I did n't go any more and dropped out. I have been charged tuition and fees for quarters and years up until XXXX as if I were still going there. They even have me paying cash payments for fees and books throughout XXXX, XXXX, XXXX and now XXXX!. This would be impossible since I no longer attended after XXXX XXXX I do not know how someone opened up more student loans under my name and social security number unless it was done to defraud the system. I only signed one promissory note for the quarter of XXXX XXXX. Navient and US Department of Education say I owe them up to {$13000.00} now. I even paid on these loans but I asked Navient to not put me in Forbearance because I do not owe anything. Navient still put me in Forbearance and fraudulently show as paying some to my credit bureaus which is a total lie. I am not still paying on these so called federal loans because I do not owe any more. 
Also, XXXX XXXX took over the school in XXXX and they have been worse to deal with and lie even more. I asked them to produce all my Promissory notes that I would have had to sign for each quarter and they ca n't send me any with my signature on them because I did not take any further loans out since that one quarter in XXXX. XXXX XXXX has closed the school now. XXXX XXXX even had me withdrawn in the Fall of XXXX and then had me signed up again in XXXX. Which is a complete lie. Navient tells me XXXX XXXX is still open and I owe all this money and they are reporting on my credit bureaus that I owe {$13000.00}. Please help. They have ruined my credit. I am not in debt with any of my bills. This is such an injustice..I have no one else to help me but your organization.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Deposits and withdrawals

Complaint: My mortgage is held by Bank of America. My home suffered damage during hurricane XXXX in XX/XX/XXXX. My home was insured through FEMA, and I obtained an SBA loan because the funds from FEMA were insufficient. I made the repairs to my home. Bank of America inspected the property and released the FEMA funds. In XX/XX/XXXX FEMA reviewed the NY losses and found homeowners were not properly paid and issued the additional monies owed. The check issued names the homeowner, Bank of America and SBA. The procedure is to go to your local branch and have the check endorsed, and then submit the check to SBA. Bank of America is refusing to endorse the check, and causing me tremendous hardship. The other major banking institutions such as XXXX and XXXX XXXX, are endorsing at the branch ; Governor XXXX had passed a mandate to facilitate payments at the local level to help XXXX victims and Bank of America has chosen to disregard this mandate. Also, there is not one specific person to speak to, every time I call there is a different story. Initially I endorsed the check and sent it to Bank of America for endorsement, they held the check for XXXX month and when my public adjuster called and explained the situation they mailed the check back without endorsing it. Each time I call Bank of America they claim their system was not documented and we have to rehash the same information. I have submitted the FEMA documentation, my contractors certificate of completion and presented the check. It appears that Bank of America is setting up arbitrary rules and impeding the processing of the check.

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 02-07-2018 about Mortgage (Conventional home mortgage) with QUICKEN LOANS, INC. (CA).
Issue: Trouble during payment process

Complaint: When I took out the home loan, I had to have a PMI. Now after renovations and home value appreciation, I have almost 30 % equity on my home. But loan servicer is refusing to remove the Private Mortgage Insurance.  Please help.

Company response to consumer: Closed with explanation