milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/15/2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (MA).
Issue: Trouble during payment process

Complaint: This is a follow-up to my original complaint and response from Citimortgage. See Complaints # XXXX and XXXX. Your agency 's records show my case closed although it really is n't because Citimortgage either lied or is mistaken in respect to accusing me of missing my property tax payments in XX/XX/XXXX. Citimortgage in a letter dated XX/XX/XXXX stated that they were contacted by the taxing authority that I was delinquent in my property taxes. This is not correct! The clerk informed me they do not contact mortgage servicers if taxes are delinquent. I live in a town of about 4,500 people and property taxes are collected semi-annually by the Town Tax Clerk contrary to many parts of the country where tax collection is performed at the county or state level. Furthermore, they will not place a lien on my property unless all resources are exhausted. Furthermore, the town benefits from tax delinquencies to some extent as they charge approximately 15 % annually on late taxes governed by legal statute. As I have explained in a prior note to both your agency and Citimortgage, Citimortgage either unintentionally or intentionally damaged my financial health by their actions. Since my original Citimortgage financing in XX/XX/XXXX and through XX/XX/XXXX I had never made a late payment. Citimortgage either through incompetence or they did this intentionally pushed me into default by charging me escrow. Despite being late there was no rational reason because my town does n't place liens on properties especially when they know there is a logical-financial reason not to allow the property to go into default. Citimortgage, if they were actually competent and understood true mortgage underwriting risk, would concur with the town because my mortgage debt is only equal to less than 13 % loan to value on a tax assessment value basis or a market value basis. Citimortgage has significantly impaired my liquidity and caused a technical default and is now trying to cover their tracks by lying that they were contacted by the taxing authority ( my town ). Exacerbating the situation is the transfer of Citimortgage loan servicing to one of the worse companies in the industry, XXXX. XXXX is now showing incorrect accounting records.
If needed I will resort to legal means. I 'm guessing, given the track records of these companies, a judge will wonder why Citimortgage is creating problems for a borrower when there were no problems. I 'm sure XXXX XXXX would like to know what happened also and will find a way to get this information to them even if I have to contact my congressman.

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 01-07-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Navient has been adding more money to my balance on my # 4 stafford loan. This has happened twice. Once in XXXX and then again now in XXXX. Talked to them once about first time and gave me no excuse for this nor did they fix it. This last time they added over {$600.00} extra to my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (GA).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: My name is XXXX XXXX XXXX. I have recently became guardian over my father, XXXX XXXX and ran across some papers concerning a purchase agreement signed by my parents, XXXX and XXXX XXXX XXXX. My mother is now XXXX. On XX/XX/XXXX, my parents signed a purchase agreement with XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, Alabama. They purchased a XXXX XXXX XXXX XXXX for {$40000.00} minus the {$3500.00} down payment totaling {$36000.00}. The vehicle was financed by Ally Bank, XXXX XXXX XXXX XXXX, MD XXXX. The account number is XXXX. The dealership provided 2 checks to my parents, both dated XX/XX/XXXX in the amount of {$18.00} for Title Fee and {$2100.00} for Sales Tax and both pay to the order of XXXX County Tax Commissioner. Neither of these checks were submitted by my parents because I found them in among my father 's papers. On XX/XX/XXXX my parents each received a reminder bill in the amount of {$550.00} for the XX/XX/XXXX truck payment. The letters were mailed to XXXX XXXX XXXX, XXXX, GA. By this time, my mother had relocated to my home, in XXXX XXXX GA. XXXX shortly after suffering a XXXX. OnXX/XX/XXXX, another letter was sent requesting payment in the amount of {$570.00}. This included a late fee. OnXX/XX/XXXX, a letter was sent to my parents notifying them of a Notice of Our Plan to Sell Property. The letter notified an intent to sell the vehicle in a private sale sometime after XX/XX/XXXX. I would like to know how much did they sell the truck for? I would like to know why did they repossess the truck just after 2 missing payments? I would like to know why the letter identified amount owed was {$1100.00} plus {$27.00} late charges plus {$610.00} retaking and holding vehicle charges totaling {$1700.00}. Yet, on XX/XX/XXXX, a letter was sent to the XXXX, GA address " this is to acknowledge that your above referenced account with Ally has been settled and you are released from any and all obligations. '' The account balance on the letter was {$4100.00}. why? My parents were in no mental condition to sign a huge contract with these two businesses. My parents were over XXXX years old and were clearly taken advantage of. I think that their business practices needs to be examined and any funds should be returned to my father. To sum it up, XXXX XXXX XXXX purchased the truck from XXXX XXXX of XXXX, sold it to my parents, repossessed it after 2 months receiving a down payment and having to pay no taxes and tag fees, then Ally Bank sold it by the third month and for over $ 4K. Is this proper way to do business. 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 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ONEMAIN FINANCIAL HOLDINGS, LLC. (AZ).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: ONEMAIN ( credit inquiry ) XX/XX/2018 on XXXX credit bureau XXXX XXXX XXXX XXXX IN XXXX I had called this company and asked questions and they had my information from a previous application and reran my credit. 

WAS NOT TOLD THEY WERE RUNNING A HARD INQUIRY! 

I asked to to remove and I was told to dispute it. 

Spent one hour on hold with XXXX with no success. 

I wand this deleted inquiry deleted from my XXXX credit file please

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: An account was fraudulently placed on my credit file by Experian. below is the account information i have requested a proper verification several times from experian to prove that the account is mine OR ELSE LET THEM DELETE IT, each time there response will be account validated without no proof for me. 

ACCEPTANCE NOW ACC # XXXX DATE OPENED XX/XX/2013

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Debt collection (Credit card debt) with DISCOVER BANK (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I have not had or used a Discover Card since 1999. Pursuant to Florida Statute below, they had only five ( 5 ) years to attempt to collect this debt. I continue to receive calls from whatever entity purchased the Discovery Card debt - and this is now unenforceable and these calls are now harassment. I want to file a complaint against Discover Card for continuing to contact me and attempting to collect from me which is in clear violation of Florida Debt and Consumer Laws. This debt is over THREE TIMES past five year maximum amount allowable under the law ( pasted below ). 

Title VIII LIMITATIONS Chapter 95 LIMITATIONS OF ACTIONS ; ADVERSE POSSESSION View Entire Chapter 95.11Limitations other than for the recovery of real property.Actions other than for recovery of real property shall be commenced as follows : ( 2 ) WITHIN FIVE YEARS. 
( a ) An action on a judgment or decree of any court, not of record, of this state or any court of the United States, any other state or territory in the United States, or a foreign country. 
( b ) A legal or equitable action on a contract, obligation, or liability founded on a written instrument, except for an action to enforce a claim against a payment bond, which shall be governed by the applicable provisions of paragraph ( 5 ) ( e ), s. 255.05 ( 10 ), s. 337.18 ( 1 ), or s. 713.23 ( 1 ) ( e ), and except for an action for a deficiency judgment governed by paragraph ( 5 ) ( h ). 
( c ) An action to foreclose a mortgage. 
( d ) An action alleging a willful violation of s. 448.110. 
( e ) Notwithstanding paragraph ( b ), an action for breach of a property insurance contract, with the period running from the date of loss.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Application, originator, mortgage broker

Complaint: On or around XXXX XXXX, 2015 we ( my wife XXXX and I ) contacted Bank of America ( BoA ) regarding refinancing an investment property, the mortgage of which is currently serviced by XXXX. At that time it was suggested by the BoA representative that I refi the mortgage of my primary residence ( held by BoA ) as the home had likely increased enough in value to render PMI unnecessary. We agreed and immediately began sending the requested documents for both properties while BoA ordered appraisals for both properties. One of the items they requested was a copy of my most recent 401K statement which I provided. Then they asked for a copy of the 'terms of withdrawal, ' which I copied from the XXXX website and faxed to them. They said that was only the 'hardship ' terms of withdrawal and that they needed the entire text of the withdrawal terms. I called XXXX and they said that information was not available online and that they would mail me a plan description with that information. Time was running out for my rate-lock. The 401K booklet arrive and I copied the requested text from the booklet and faxed them that information. Then they said, 'we need all of the terms AND withdrawal. ' I told them that if they needed the entire text of the booklet, not just the part about withdrawals, they should have asked for that. If they wanted all the info about the withdrawal terms, they DID have that. Concerned that I was going to be unable to satisfy the never ending document requests I contacted several other lenders to see if they would use the appraisal for which I had just paid {$600.00}. None would, all stating that they would need to order a new appraisal. In frustration I called the appraiser who had done the appraisal for to see what other lenders they provided appraisals for in the hopes that I could find an institution that would use the BoA ordered appraisals. I was informed that they ONLY did appraisals for BoA!!! In anger I told the loan officer to just forget the loan for the primary residence and to try to complete the rental home loan for which the document requests had been satisfied. So now I am out {$600.00} for an appraisal that no one else will use despite providing all of the document request for which I was asked. I am thinking that my present mortgage is an FHA, as the loan was made via the XXXX program.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (MD).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This company contacted relatives that I did not give their information to. I asked them how did they get that information, they would never tell me. They have been calling and not leaving a voicemail but continuously calling and saying nothing. The woman on the phone said they do n't make the calls but it is automated and they continuously call regardless of time of day.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Mortgage (Other mortgage) with LoanCare, LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: We have provided everything and we are being dual tracked. We respectfully request that the CFPB let the lender know that we have provided all of the information and we need the same date removed until the modification process has been completed

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 06/15/2015 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (NY).
Issue: Managing the loan or lease

Complaint: i made acheck payable to gm financial using my personal checking acount some XXXX alter the check the check was supost to be for XXXX the made the XXXX look like a XXXX there my acount was debited XXXX dollars gm financial is stating they havent received the payment i contacted XXXX XXXX wich is my bank they saying that the check was cashed i went multiple times to the branch with no help they saying investigating but gm is charging me all kinds of late fees the last thing that XXXX XXXX did was correct the amount but a month later gm still calling me about the miss payment

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Student loan (Non-federal student loan) with AES/PHEAA (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I am trying to file a in school forebearance request to American Education Services. I have faxed my requests to XXXX different numbers, have spoken to numerous representatives and have received multiple errors from the faxes indicating that their fax machine line is either busy or there is a communication error. I have emailed my documentation XXXX in two weeks. I have spoken to many representatives over the past few months who have given me so much wrong information such as wrong payment amounts, which have put me in a delinquent status. 

I have had several representatives tell me and encourage me to apply for multiple repayment programs that I keep getting turned down from. No one seems to know the process of what is going on here at this company. In the mean time I keep getting bills from Citizens bank billing me for XXXX in delinquent fees that I can not pay. 
I need someone to check their fax machine phone numbers and emails and respond to my requests. OR have them all on the same page. The fax they said they did get they say shows only half a page. 

I did send a fax through my schools enrollment services department that says went all the way through. This is beyond frustrating and I need some resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I submitted emailed to the companies, I disputed the inquiries the week of XX/XX/XXXX over the phone. I have not received a response from XXXX XXXX XXXX at all. The Credit Buteas responded Inquiries are factual record of file access. If you believe the This was unauthorized please contact the creditor. When I reached out to the creditors they advise me to contact the Credit Bureaus. This is running me into a circle. The inquiries are as follows XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX The FCRA 623 and 611 state that any information can be disputed and must be investigated. I received a response from my call with the credit Bureas less that 8 days from the date of my dispute. One can only assume no investigation was completed. 

I also requested that an address be removed from my credit report on Equifax the same week the first week of XXXX. I have never lived there ever. I have lived in my home for almost 11 years. The representative advised she would remove the address. I viewed my XXXX XXXX report yesterday XX/XX/XXXX and the address was added back without them advising me. The address begins with XXXX. This is not Ans has never been my address. They added it back without my knowledge. I called today XX/XX/XXXX and a Reps was argumentative about the address and indicated shes open a dispute. My concerns is why was the address added back if it was invalid and when was I going to be notified. I have never lived there. 

This is causing undue stress as I plan to purchase a home later this year and this amount of inquiries would flag as a person having financial trouble. The incorrect address is concerning because its risking my personal information or mail being sent to someone elses home

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I am the cosigner on a Wells Fargo student loan that was taken out by my niece to finance her XXXX degree. At the time of the application, I wanted to be sure I was n't signing up for a long term commitment. I was told before any documents were signed that after two years, I could apply to have my name taken off the loan, so long as there was a history of on-time payments. I felt that was a bit excessive, since in most cases a cosigner can be removed after one year, but I wanted to get the loans consolidated with a lower interest rate. Silly me. 
At this time, it has been over four years and I am still being held hostage as a cosigner, even though the payment requirement has been fulfilled for longer than required. Additionally, although I am held responsible for the loan, Wells Fargo will not provide me with any information regarding disposition of the loan, everything must be channelled through my niece. She is also the one who must apply to have my name taken off the loan, which is not the way it was presented to me. It apppears Wells Fargo has stacked the deck so that I will never be removed as a cosigner, though that is n't the way it was presented in the beginning. 
The loan is serviced through payroll deductions, so it 's not as though a payment will be forgotten or missed. If a borrower has a record of repayment this long, I would say it 's a pretty safe bet that the necessity of having a cosigner is a moot point, and Wells Fargo should honor their promise to remove my name from the loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Bank account or service (Other bank product/service) with BB&T CORPORATION (GA).
Issue: Making/receiving payments, sending money

Complaint: Today I attempted to pay off a loan with BB & T on their website ( {$8200.00} ). Though that amount was a payment option, it would not let me pay that amount. I received a message that for payments greater than {$1000.00} I would have to call, which I did. After several frustrating minutes wading through a voice prompt system, I was finally prompted to enter my payment information. After entering the information, I was notified that I was being transferred to a human being. After remaining on hold for several minutes I was told that I could only pay {$5000.00} over the phone, at which time I asked to speak to a supervisor. Again, after remaining on hold for a few minutes, I was told the same thing by this supervisor, who refused to transfer me to a higher supervisor. I explained that this was unacceptable, but then said I 'd make the {$5000.00} payment today and the balance tomorrow. At this time she said she could n't log into the system to do it, and put me back on hold. Totally frustrated, I hung up. So, I 'm now being charged additional interest on a loan I simply want to pay off.

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 09-04-2017 about Debt collection (Medical debt) with Professional Recovery Management (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Company has no knowledge of account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (VA).
Issue: Account opening, closing, or management

Complaint: I have had a checking account with Citizens Banks since 2006. The terms of the account was that if I have direct deposit from my paycheck the account was to be free of charge. Recently, I have noticed that I am being charged a servicing fee of $ XXXX/month. I would like to close this account and have all these fees waived since that was not part of what I agreed to. I have already cancelled my direct deposit from my payroll. I feel the charges are inappropriate and taking advantage of the consumer. 

Also, I have tried to change my name many times and they keep loosing my information. My new name is XXXX XXXX XXXX, no longer XXXX. I will attach a copy of my drivers license.

Company response to consumer: Closed with monetary relief