milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-06-2017 about Vehicle loan or lease (Loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (DC).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: I am trying to pay off my car loan about 6 months early. Bank of America seems to purposely make paying off a loan difficult possibly in the hope that customers will make a mistake in paying it off and either continue to be charged interest or get nailed with an extra fee or fees. 

Every payment I 've made has been online. However, to make the final payment they require you to send them a physical check to a specific address and alter the check with your account number etc ... They do not offer you the option to pay online, it is not one of the options listed over the phone nor do they have any reasonable explanation for why any other financial transaction on the loan is able to be done online but they make the payoff difficult. 

Sending a check through the mail could have a delay, and if it takes a few days the customer is beyond the payoff quote date. This would mean that they have another few cents in interest. That in turn would turn into a large fee if the customer thinks they 've paid off the loan and does n't realize they 've added a XXXX cent charge. After 30 days you have a fee, after 60 it 's compounded until a customer could end up with hundreds of dollars in fees. Additionally, paying online would guarantee that everything is clear. Asking a customer to write their account number on a check is one more situation where the Bank can claim there was difficulty in reading the number and cause more delays. There is no other explanation but wanting to give a customer the possibility of racking up more fees, and to also discourage the customer from paying off a loan early for why B of A does not allow the same form of payment for the payoff it does for all other payments.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have contacted the creditor and resolved this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: ( 1 ) INCORRECT DUE DATES ONLINE : Navient now uses a new website & my loan due date on the website is incorrect. On XX/XX/XXXX, I was able to access both the old & new website. I was able to access the old one by chance as the link was saved in my browser. The new website listed a due date of XX/XX/2017, & the old website XX/XX/2017 for the same loan. I verified the correct loan due date with a representative on XX/XX/XXXX. The correct date is XX/XX/XXXX. Representative confirmed that the due date on the new website is incorrect, but it 's a technical glitch that they ca n't change. I can no longer access the old website, so the only information available to me as a borrower is incorrect & reportedly will not be changed. 

( 2 ) NO LONGER A WAY TO VIEW & PAY INTEREST ON LOANS NOT YET IN PAYMENT : The Navient website does n't provide a way to view interest that accumulates on loans that are not yet due and make payments. I have been making payments towards the interest on my loans while in law school. The old Navient website provided a way to clearly see a summary of all loans, the precise amount of interest accumulated, & had a way to make a payment towards interest online. On the new website, there is no way to view this information -- ca n't access the current amount of interest on loans or pay it online. I confirmed this with the personal representative on the phone XX/XX/XXXX. The only way to find out the interest & make a payment is by calling. Navient has re-designed their website to make it more confusing & impossible for borrowers to make payments online that would help reduce their loan size! 

( 3 ) EMAILS WITH INCORRECT ACCOUNT INFO : Navient sends emails with incorrect information about my account & I confirmed with the representative by phone that this is just a glitch that can not be fixed or accounted for. Ex : on XX/XX/2017, I got an email regarding quarterly interest payments. It listed amounts for interest & principal that do not correspond to the amounts I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with CITIBANK, N.A. (TX).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: citibank continually try to collect of seeking to collect debt from the wrong person, and for the wrong amount ; Citibank is also seeking to to collect debt that can not legally be enforced ; My mother is deceased ( XX/XX/XXXX) and her estate was probated and finalized. <P/>On XX/XX/XXXX I discover Citibank has is seeking to foreclose on my inhered property based on my deceased mother alleged mortgage ; At the time of the alleged Loan My Mother was Hospitalized before durning and after this pretor Loan ; I have filed several complaints with the CFPB in regards to this matter all to no avail

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 04/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Th e MasterCard Gold Card, issued by Barclays, provided SCRA benefits for military service members when I applied for the card just over a year ago. As a   XXXX   member, I received these benefits. One of the benefits offered by Barclays was waiving the {$1000.00} annual fee. This fee  was waived for the first year. When I spoke to a customer representative on the phone, I was assured that these benefits, including the waived fee, would last for the entirety of my  XXXX   XXXX    XXXX   service.     A few weeks ago, I received a letter stating tha t Barclays is rescindin g their assurance to waive the annual fee and that I will be charged this fee by  XXXX   XXXX . I called   Barclays and was told that I could either cancel the card or receive the fee.
I plan on canceling the card in order to not be charged the fee, but would like to extend a chance to Barclays to review this practice of making an initial offer to service members and then removing that offer just a year later. This has affected myself as well as ma  ny men and women that I am proud to serve with.

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 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Navient is making it impossible for me to pay back my loans. I called navient to try to set up a payment arrangement. The person told me that my loans are not with navient yet they are still with XXXX. I called XXXX and they of course say navient has my loans. No one can tell me where my loans are so that i may start paying them back. And i have not recieved any current statements or letters.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX have a Account on my credit report Account Number XXXX Date Opened XXXX/XXXX/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 explanation
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: There are significant problems with the way Equifax operates. First, Equifax 's website prevents you from obtaining a copy of your credit report. I had to try over 5 times to access the site and it kept telling me in a pop up that my information did not match their records. I did not have this problem when obtaining my credit reports from XXXX or XXXX. Then, after I finally reviewed my report, Equifax made it almost impossible to file a dispute. Again, I had to attempt access to their site over 7 times. When I got to the dispute part, the dispute page was so limited that I was unable to register all of my disputes. I had to file XXXX disputes. And still, it did not give me an option to inform the agency that there were many unauthorized inquiries into my credit. It does n't end there. When I heard from Equifax by email that they have addressed my dispute, the link to access the resolution kept on telling me that my information is wrong and therefore I ca n't access their resolution of my disputes. This is Equifax 's way of denying you the information you have a right to have. Today, I tried over XXXX times to access the resolution report. I did NOT put in my information incorrectly XXXX times. I am still unable to access the report and Equifax says that it is not going to be available too long. Equifax should be denied providing credit reporting services. Please investigate this ; others MUST have the same complaint. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The XXXX # XXXX is older than 7 years why is this still listed? Please remove

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 09/22/2016 about Mortgage (Conventional fixed mortgage) with Finance of America Mortgage LLC (VA).
Issue: Settlement process and costs

Complaint: Finance of America deliberately let the rate lock expire ignoring my numerous follow ups about their failure to contact the appraisal company to get it expedited. After my appraisal was completed 6 days before lock they wasted more time to add more Originate fee to my leaving me with no option but to pay. Basically forcing me pay the fee with no option. 
Looking at other reviews this seems to be the loophole they are using to let lock expire so they can charge more fee. I have complete documentation with clear time-stamps of my follow ups and their responses. Also they fail to respond to most emails in time and even if they which are ambiguous.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: According to my credit reports, XXXX is reporting the following negative information to all major credit bureaus : 1 ) Late Payment - XX/XX/XXXX 2 ) Late Payment - XX/XX/XXXX I have never been late on payments. With regards to the supposed late payment for XX/XX/XXXX, on XX/XX/XXXX a representative of XXXX stated that the late payment record ( XX/XX/XXXX ) will be removed from all credit bureaus and any fees associated with the late payment record will be refunded/credited as the payment was never late. 
With regards to the supposed late payment for XX/XX/XXXX, that payment was never late. The late payment record was caused due to XXXX fault because of the following : For the month of XX/XX/XXXX, I mistakenly initiated a double payment. I made the mistake of making a payment twice. Because of this I contacted my bank to make a stop payment request for one of the duplicate payments. After that I contacted XXXX to notify them of the double payment and to inform them that I contacted my bank to stop the duplicate payment. XXXX assured me that this wouldnt be an issue and that they will take care of it on their end to make sure that I dont incur a returned payment fee. Well it turns out that XXXX refunded me for the payment that was not going to be returned by my bank ( the duplicate payment was stopped by my bank ) without my authorization. Because of this, not only did I incur a returned payment fee by XXXX, I also incurred a late payment fee by XXXX because XXXX refunded one of the duplicate payments without my authorization. I believe XXXX did this on purpose in order to charge me 2 fees ( returned payment fee and late payment fee ). As soon as I learned that XXXX refunded 1 of my payments without authorization, I made a payment to my account since it was considered past due because of XXXX unauthorized refund of one of my payments. 
I DID NOT REQUEST XXXX REFUND ME FOR ONE OF THE DUPLICATE PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with fraud alerts or security freezes

Complaint: Unable to submit a credit freeze with Equifax online or over the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/15/2015 about Consumer Loan (Installment loan) with CITIBANK, N.A. (PA).
Issue: Managing the loan or lease

Complaint: I borrowed {$8900.00} dollars and the being reported to the credit bureau is {$16000.00}. I asked why is an inaccurate amount being reported to the credit bureaus, they replied that they are reporting interest just in case the loans carries out to XXXX years. This is a misrepresentation. How could they report unearned interest over time plus principle instead of just principle. Other creditors will assume that I took out a larger loan than I did and it messes up my debt/ratio balance. I want the balance corrected. 


This complaint is against One Main Financial ( a subsidiary of CitiFinancial ) Branch number XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA, XXXX ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Problem with fraud alerts or security freezes

Complaint: I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. XXXX should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2016 about Bank account or service (Savings account) with ALLY FINANCIAL INC. (NJ).
Issue: Making/receiving payments, sending money

Complaint: On XXXX XXXX, 2016 at around XXXX, I submitted a Fed money wire of {$18000.00} via XXXX XXXX website to XXXX of my online savings accounts at Ally Bank . I received via the XXXX website a completed wire conformation with the the federal reference number. On Monday, XXXX XXXX, 2016 I contacted Ally Bank since the money was still not in my Ally savings account. The service rep at Ally showed no pending wire transfer activity and also checked with their wire department at my request. They found no activity. 
This same day I contacted XXXX and they said their records reflected that the {$18000.00} was delivered to Ally Bank. I then asked and XXXX agreed to arrange a conference call with Ally Bank to try and determine the cause of the problem. We confirmed the that the routing number and account number were correct. We ended the conversation with Ally Bank, since they still showed no money transfer activity from XXXX into my account ( at AllyBank ). 
XXXX was very helpful and said they would try and find out what happened and if Ally Bank had rejected the transfer, it would take XXXX days from XXXX XXXX for XXXX to see it. The XXXX management rep said he would pursue it further and would call me in the afternoon of the next day. 
The next day XXXX XXXX, 2016, XXXX contacted me and said Ally Bank had in a fact rejected the transfer. I was told that the apparent reason for the rejection stated, unable to apply to account due to incorrect routing number and or account number. We had already confirmed that all the routing and account numbers were correct- so the reason for the rejection was incorrect. That same day XXXX sent another wire of {$18000.00} which was delivered into my account on XXXX XXXX, 2016. 
I again called Ally Bank and spoke to another supervisor who took my information and gave me a case # XXXX. He still could n't provide me with why the original transfer had rejected back to XXXX. I also sent an email to Ally bank customer service yesterday ( XXXX XXXX ) and indicted that if I did n't get an answer today, I would write to the CFPB. As of the writing I 've received no reply. 

All I want to know as I 've asked Ally Bank repeatedly is what was the actual reason my money wire was rejected and for them to reassure me that It would not happen again. As I mentioned to Ally Bank I had to use money from other sources because the money was not in my account on XXXX XXXX, 2016. Please help get an answer. I 've received no help at all from their customer service or customer disservice in this case. Thank you for your help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received statement notices from a hospital that i received patient care from, with the attending Dr 's and Dr Assistant statement reading that I owed them. They already had my Medical insurance info on file, and corresponded with me to collect money for their services. Then they reported to a collection agency without filing the claim with my insurance first. I have been so overwhelmed by this type of derogatory medical mark on my credit information. I have been depressed over this issue for awhile, and did n't know that I was the one who was n't at fault for them inadvertently making the mistake. I contacted my insurance carrier, and was advised that the hospital was n't supposed to correspond with me first, let alone have it submitted to a collection agency, that sent multiple corresponding letters. After I told them that the hospital was at fault for coming after me before contacting my insurance carrier, and then sicking a credit agency on me. Is there anything that can be done to compensate me from the agony, stress and harassment that I 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 05/19/2016 about Bank account or service (Other bank product/service) with Comerica (OR).
Issue: Making/receiving payments, sending money

Complaint: I am on social security. I get my funds via a direct express card that SS insisted I use. I get no bank statements as they cost money I do not have. I called direct express the automated line to see why I had no money left. I ended up talking to a very helpful clerk who very patiently found 3 problems on my account. 1 XXXX company 's were continuing charging me when I had cancelled the services 3 days after signing up on line. So at first the clerk thought we were just dealing with a one month issue.however she took it upon herself to check back and it turns out they have been charging for services I have not received .I had cancelled The clerk opened two tracking numbers then had to cancel them and finially told me to just write it up and send to them. And I need to get the cancellation date and the confirmation number as well. Ok I have done that I have been cking monthly with direct express. What I was told today after I had given them my SS birthdate address phone number to the XXXX person I talked .this had to be done everytime. So why am I not recueving any notification in these as to what 's happening? 2 I was told it was past time they were all closed and I could only go forward with the XXXX charge as I waited to long to do anything. All three company 's started this charging in XXXX. The rep and I on the very first one filed for all XXXX comoanys. And it took me too long times up but wo n't tell me the required time frame which does not matter as they were all done at same time. Now I have already called merchant got can date and conf number and sent to direct express but it 's not I. There notes sorry. Therefore I did n't do it so I ca n't appeal them. This over XXXX dollarrs I 'm being overcharged for service I did n't receive. Now direct wants one paper for each charge this is lydicrous. Rent to own.XXXX and XXXX. Details XXXX said free credit report but was XXXX for one mo then XXXX and XXXX monthly if I happened to spend myoney b4 they got they would n't get for that Mon I opened on XXXX XXXX-cancelled XXXX/XXXX/XXXX with XXXX XXXX number XXXX XXXX XXXX XXXX XXXX. Charged XXXX XXXX,XX/XX/XXXX XXXX,XXXX XXXX,XXXX XXXX XXXX. Rent to own said would have house rto but they only had foreclosures.opened XXXX XXXX cancelled XXXX/XXXX/XXXX conf XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX opened XXXX XXXX, cancelled XXXX XXXX XXXX. XXXX XXXX XXXX. Banks track number last XXXX,. I now pay for my Mon statement. How many ither XXXX seniors r getting ripped off as well. I just want ant my money back that 's all.is that too much to ask.

Company response to consumer: Closed with monetary relief