milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-07-2016 about Debt collection (Auto) with ONEMAIN FINANCIAL HOLDINGS, LLC. (CA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I have a loan with a company called One Main Financial in the city of XXXX, CA. I received a call from a representative by the name of XXXX. I have been attempting to apply for a loan deferment for XXXX weeks. The reps at the branch have stated they have emailed me the deferment form but I had not received it. Finally, on Wednesday, XX/XX/2016 XXXX stated she is handling my account and that " I better get the form in ''! She became irate when I told her she was speaking to fast and I was unable to understand her words. XXXX then stated " hold on! ". She Abruptly placed me on hold ... When I advised XXXX that she was being rude, she in turn told me I was the XXXX being rude and hung up in my face. I called the One Main XXXX back, XXXX again answered the phone. I asked for a manager, she stated there is no manager and declined giving me the name of a manager. XXXX then hung up again. I have been a customer with One Main for some years. I have always worked with XXXX. She is extremely pleasant. The Service provided by XXXX was very unprofessional and disgusting. This is not reputation that One Main Financial should want for their bank.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Consumer Loan (Installment loan) with GreenSky Trade Credit, LLC (GA).
Issue: Managing the loan or lease

Complaint: I have attempted to dispute a transaction because the transaction was submitted without my signature or authorization. However, I am getting the run-a-round.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KY).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Find attached my daughters amortization schedule to date on her Navient student loans. XXXX XXXX consolidated two of my daughters loans on XX/XX/XXXX for a total of $ XXXX. Other than when we were on IBR ( XX/XX/XXXX to XX/XX/XXXX ) we have paid monthly. During the IBR we paid approximately {$3800.00} to try and keep up with the interest due. After the IBR, they almost doubled the payment, which we could not afford, so they reissued the loan at a similar rate as before. The attached Navient amortization schedule is very unusual as compared to a normal loan amortization schedule ( see attached XXXX loan statement along with a Direct loan sample sheet ). In almost 12 years we have made no headway on principal and the loan wo n't be paid off till XX/XX/XXXX. I believe this represents misapplied payments, which is the heart of the CFPB lawsuit against Navient. Please advise if I need to do anything else. I will attach documents sent to XXXX XXXX in a request for help along with the response from the Department of Education

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Debt collection (I do not know) with CASHCALL, INC. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Out of no where- started receiving calls at work, and leaving messages. I did answer and told them not to call my work, that I do not receive personal calls, and the man was combative, yelling at me " DO YOU WANT TO GET SUED? '' over and over. I have received threatening voicemails, stating that I am being investigated for fraud. My family has been called and harassed. My brother did not give my address, and the man stated : what type of brother are you, that you do n't know where she lives? " I receive different v.m. with different people calling. On my work v.m. they left a case #. They sent a letter to my former address, and it was forwarded to my new address- and it stated they bought my debt and not they want to collect {$7200.00}!! I do not owe any money to this company. They said the loan was from CashCall.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 12/25/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have disputed XXXX Chapter XXXX BK 's with XXXX Balances and a Tax lien that does not belong to me. I called XXXX that they are getting this info from that was on my Equifax credit report. They told me the last time Equifax received information from them was in XX/XX/XXXX. I have been disputing the BK issues since XX/XX/XXXX. I have repeatedly asked them to show me proof with my signature that those BK belong to me, They need to pull a new report from Lexis Nexis and show me proof with my signature, I already called the BK Courts and they clearly stated to me that they do not report to any credit agency. Information on BK filings can be incorrect. If this is n't done then I will fill another small claims suit against them. I already filed a lawsuit against XXXX XXXX XXXX the CEO of Equifax adding this tax lien on my credit report, the court case is XX/XX/XXXX. He has already been served. I will do the same if those XXXX BK 's and tax lien on my credit report are n't removed at once.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Money transfers (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (KY).
Issue: Fraud or scam

Complaint: A man in Indiana named XXXX hacked my Western Union account on XX/XX/2017, changed my login/password and all my profile information. Then they sent themselves money using a bogus XXXX acct. I received an email with every step but I did n't get this until the morning after so it was too late to stop it. I immediately called WU and they filed a " case # ''. I filed a police report and thought everything was taken care of. I received an email from WU on Sat XX/XX/2017 XXXX stating they were unable to retrieve the funds on the transaction and were therefore pursuing me for payment. I called to remind them of the fraud that took place and the man I spoke to insinuated that I had something to do with the hack to my acct. I was furious and told him I would call back with the police report # although that should have been their job. I tried calling back once I had the report # but the recording gave no options for being transferred to customer service and there were no options to leave a voicemail so I sent them an email instead along with all the information I have gathered. I have yet to receive a response from them. I hope to forward all correspondence to you for review as I would like to get this resolved without pursuing legal action if possible. Thank you for any assistance you may be able to provide. 
p.s. Some of the attachments are a result of my own investigation of the thief. He apparently lives in a town that is only XXXX miles from the location where the funds were picked up. He has a criminal background which is why I feel it is necessarily to include this for review in case Western Union would like to pursue legal action against this individual. I have done the majority of their work. They need to clear my name of any responsibility as I am clearly a victim of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I HAVE NO IDEA WHO IS TRYING TO GET A CAR LOAN IN MY NAME OR USING MY SS # BUT IT IS NOT ME XXXX XXXX XXXX! IT IS AFFECTING MY CREDIT SCORE AND I RECEIVE A OFFER AT LEAST ONCE A WEEK THAT I DID NOT APPLY FOR! I WANT IT TAKEN OFF ASAP! IT SAYS XXXX XXXX XXXX WAS WHEN IT WAS FIRST APPLIED FOR AT XXXX XXXX I DID NOT DO IT! I CAN NOT AFFORD A CAR PAYMENT WHY WOULD I APPLY? PLEASE TAKE IT OFF NOW 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 04/26/2016 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Credit card protection / Debt protection

Complaint: This complaint is about HSBC handling dispute. 
After months fooled by a merchant XXXX, and the dispute is not working. I decide to get help from XXXX government. So I have report this fraudulent activity to " XXXX XXXX XXXX '' in XXXX. The XXXX forward my report to XXXX police department. After the police department investigating the matter and they found I was frauded by XXXX. I have received a report from XXXX XXXX XXXX XXXX and I forward this report to HSBC dispute department. To My surprise, HSBC still want to get a word from XXXX that they are going to credit back the money to card before HSBC can do something to continue this " dispute ''. To me, it is just not make any sense, this is not a normal business activities, it is crime, XXXX promise to sent back the money back to me, many time, in email and over the phone, They just do n't do it. I really want HSBC do something to get my money back to card.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I do n't know what else to do with Equifax. I disputed XXXX XXXX on my report and the company agreed that I had paid the account and it was closed, as can be seen by the {$0.00} balance and statement. Equifax did not properly update this and is still showing it as XXXX days past due. I complained to the CFPB and received a response saying that it had been looked into and to call Equifax for results. I called for results and the man, XXXX XXXX, that I spoke with told me that they never received a CFPB complaint and that the CFPB was lying if they said that Equifax responded because they did not. He also told me that I was not allowed to dispute XXXX XXXX anymore and just had to accept that it was wrong. This is completely outrageous that they would be allowed to circumvent and lie to a government agency, the CFPB, and knowingly leave mistakes on a person 's credit report. I am outraged.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Good Morning, My issue with this company was that in XXXX XXXX I signed up for their web hosting service. During their whole pitch it was n't mentioned that one was tied to a one year contract. Well XX/XX/XXXX I was told by superlative that it was a one year contract by XXXX XXXX, the person that came to XXXX pitching his horrible web hosting service. So I tried cancel ; ling it the following month which was the anniversary month in XXXX XXXX. I left XXXX voicemails and an email!!!! Thinking they had honor the request and I did as I was told, I was still charged the following month. They refused to grant my request!!! Then they kept charging be XX/XX/XXXX until I finally cancelled my card in XXXX XXXX. They kept calling me and harassing me. I told them I canclled them back on anniversary date which was XXXX XXXX but they refused to honor it. I then got a bill for {$100.00} on XXXX XXXX XXXX. A year way too late in which they finally agreed to cancel my contract. They decided to take it upon themselves to cancel it on their terms. I was told by their debt collection agency it was a 2 year contract now not 1 year like I was told by XXXX XXXX. This is outrageous and if you look them up on XXXX there are a ton of other victims of this horrible business practice. I am getting hit on my credit report for this injustice. I have warned my fellow agents about this horrible company. This company sent me emails in the spring of last year telling me I had to pay. I told them I could n't afford it anymore and was n't getting any results from their service. They threaten collection so I had to beg for an extension to pay XX/XX/XXXX for a service I was n't using cause they supposedly did n't get my request. But I should n't have to pay for something I cancelled on my anniversary date on XXXX XXXX. The Collection agency transworld system has been assigned to this. They already hit my credit rating and I have yet to receive this supposed invoice that I owe. I will submit the final letter from Superlative stating that they were sending my supposed debt to Transworld Systems Inc . Prior to that letter they tried to blackmail me for a partial payment on an email for about XXXX dollars. I can FWD that email to the person ( s ) that will be looking into this. I will just need an email address to send this blackmail email. This has been so stressful and very uncalled for..

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (LA).
Issue: Loan modification,collection,foreclosure

Complaint: I was applying for a Laon modification thru XXXX, and the mortgage company told us that the propety was on foreclosure sell since XXXX/XXXX/2016. Which I was not notify about the action Being taken. I was not notified

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX days past due as of XX/XX/2012 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Vehicle loan or lease (Loan) with Westlake Services, LLC (CA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: On XXXX XXXX,2015. I logged onto WestLake Financial online to pay my truck payment. I agreed to have {$200.00} debited from my account. The next day on XX/XX/XXXX I checked my bank statement and noticed they cleared two charges of XXXX and paid them to Westlake financial. I called Westlake financial where they told me I had to prove my bank statement shows a cleared transaction for the double charge. This company took funds out of my bank account without my permission. My family is now left with {$10.00} ( family of XXXX with XXXX kids ) they are not contacting me back. This was my money my family needed and now it 's gone.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AQUA FINANCE, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Unauthorized inquiry.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (IA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This is in reference to XXXX XXXX 's CFPB # XXXX, I just need clarification from BOA in regards to XXXX XXXX 's statement and response letter. XXXX XXXX is stating the Case XXXX originated from BOA not XXXX XXXX. Can BOA Confirm and agree with XXXX XXXX 's statement? I '' m attaching the document in reference to XXXX XXXX 's allegations.

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 07/14/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Other transaction problem

Complaint: In association with the following cases : cfpb : XXXX ; XXXX ; Legacy # XXXX, against 53 XXXX, 53 Bank ( subsidiary ), Board of Directors of 53 XXXX, Executive Officers of XXXX, Pay Other People website aka XXXX Online Bill Pay Funds and 53 Bank XXXX XXXX. I made necessary corrections in what was sent to you on XXXX/XXXX/XXXX. I have angst and a loss of confidence. I know about meeting elements in a cause of action. I failed to do so because I am under extreme duress and financial deprivations. Today, XXXX/XXXX/XXXX, I mailed to XXXX XXXX, Office of the President of XXXX Bank, and cfpb the COMPLAINANT 'S REPLY AND EXHIBITS AND MEMORANDUM OF LAW TO THE REPLY, AND THE COMPLAINT XXXX XXXX, XXXX AND EXHIBITS. My postage was {$1.00} more. XXXX {$7.00} and cfpb {$2.00} for $ XXXX $ XXXX {$1.00}. I made the adjustments to the REPLY. I also highlighted three important elements that I was not specific about in previous documents. Thank you for the opportunity to make an amended Reply and Memorandum of Law to the Reply, with changes in the cost. 

The Complaint XXXX XXXX, XXXX is not on my Flash Drive and I could n't wire it. I did mail a copy and exhibits with the documents mentioned above.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/27/2017 about Consumer Loan (Installment loan) with Metro Collection Service, Inc. (AR).
Issue: Managing the loan or lease

Complaint: Metro Collection Service, XXXX XXXX has called my landlord and her husband about my debt. I am unsure of what information XXXX XXXX of Metro Collection Service has gave to my landlord and her husband. Metro Collection Service has not contacted me directly via email, US Mail, phone or mobile. This is an offensive behavior and I am looking into laws that will demand that they stop harassing me in this manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Credit card () with U.S. BANCORP (RI).
Issue: Other

Complaint: I recently contacted a credit card company through my bank to apply for credit to pay for a roof that my house needs. I want to know how much credit I will be extended before accepting the card they can not answer without issuing me a card. I do n't see you why credit card companies ca n't tell the customer how much credit they will extend them before signing them onto a new card???

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 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Problem with fraud alerts or security freezes

Complaint: My wife and I were both involved with the security breach at Equifax and our credit is at risk. We both signed up for Equifax 's free credit monitoring - Trusted ID premier. We both established accounts on their web site. When both of us tried to freeze access to our credit reports, the system produced an error message Status-Request Failed ( see attachment ). The web site said to call their customer support number. Several times, I called this number and every time they tried to transfer me to another customer support team. Every time I was transferred, they said I was in the wrong group and told me to call the original support number I called. This has happened several times. I asked to be transferred to a supervisor, and they just put me back in the que to begin talking to another support person who will not help us. Equifax has refused to address our problems and will not allow us to freeze our credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Mortgage (FHA mortgage) with LoanCare, LLC (CA).
Issue: Trouble during payment process

Complaint: On XXXX XXXX, XXXX I received a past due letter from Loancare that they had not received my XXXX XXXX payment. I called them on XXXX XXXX, XXXX and explained to them that I payed the XXXX payment through XXXX XXXX on XXXX XXXX, XXXX and it was delivered to them on XXXX XXXX, XXXX in the amount of {$2300.00} with the status on my statement as paid. The woman that I spoke with put me on hold and returned to the call telling me that in fact they did receive the payment and it would be posted at mid-night that same day XXXX XXXX XXXX ). I asked her if I would recieve a 30 notice and she advised me that she did not know. I explained to her that I am in the middle of a refinance and I can not have a 30 on my credit. Especially since they did receive it on or around XXXX XXXX. On XXXX XXXX, XXXX, there was a message on my phone to call Loancare. I called them the morning of XXXX XXXX, XXXX and they stated that they did not receive my payment for XXXX. I informed them that I payed through XXXX XXXX on XXXX XXXX, in the amount of {$2300.00} and the payment was delivered on XXXX XXXX with the status paid. They told me that I needed to send them a copy of the statement showing it paid to XXXXXXXXXXXX. I sent the a copy on XXXX XXXX. I told them that I am in the middle of a refinance due to close early XXXX. I also told them that this has now happened two months in a row. I asked them if they are going to charge me a late fee for this in which they would not answer. I also asked them how long is this research going to take and they said 5 - 10 business days. I found out that I have accrued over {$600.00} in late fees from the time they took over the loan in XXXX. I do n't think that I owe this. I am very concerned about the fact they say they are n't receiving my payments. I have been paying the same way, through my bank since they took over the loan and there has NEVER been a problem until now. I find it interesting that this has occurred only recently as I have been in the process of refinance. I have copies of the bank statements and the letter received last month for the non payment. Please help. Thank you.

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