milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/25/2016 about Debt collection (I do not know) with URS Holding, LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am receiving repeated calls, voice messages, from " United Recovery Systems '' with the representative using the name " XXXX XXXX '' Calls come from XXXX and he wants me to return the call @ XXXX. 

I owe no one anything, have an XXXX FICO, my wife has an XXXX FICO ( Just checked on it ), and I want the calls to stop. I think he is just phishing. I think they are just robo calling and there is no underlying debt whatsoever. I am concerned that if I call back and attempt to talk to them I will reveal my real name and other info he currently does n't have -- nor should he. 

A quick XXXX Search of this company turns up many reports of abusive practices, including phishing. 

I wo n't return the call to him as I am quite certain he is engaged in some sort of shady ( Illegal ) practice. 

I just want the calls to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Credit card () with DISCOVER BANK (NJ).
Issue: Billing statement

Complaint: Discover Card is reporting my account balances incorrectly. they are failing to credit my payments to the account and they are overstating the account balance.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
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: The credit report accuracy dispute process does not allow for a dispute in regards to improper handling of credit inquiries by the agency. It is my understanding that the CFPB requires agencies to consider multiple mortgage loan inquiries within a 45 day time period to be classified as only a single hard inquiry. Equifax has both of the following inquiries noted as separate hard inquiries even though both are for the same mortgage loan.  One  is from  XXXX  and the other from   XXXX   XXXX   XXXX   XXXX  . I can not dispute this directly with them as their process only addresses individually reported items, not classification errors.      EQUIFAX CREDIT IN QUIRIES  XXXX   Inquiry    XXXX   XXXX   XXXX      XXXX /  XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Other fee

Complaint: I can not get these people to stop taking this money out for some insurance that would pay off the money on this card- The card companies wo n't block it and the insurance company wo n't stop taking it! I have called a number of times over the last 5 years to both and I just get the run around! Can you help me? 
Capital One XX/XX/XXXX XXXX XXXX XXXX XXXX Household Bank XX/XX/XXXX XX/XX/XXXX NUF IPP XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Mortgage (VA mortgage) with LoanCare, LLC (GA).
Issue: Struggling to pay mortgage

Complaint: A loan modification application was submitted on XX/XX/XXXX to lender, but they are not doing anything with it apparently. These are violations of the VA servicing guidelines

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 06/23/2015 about Debt collection (Medical) with Halsted Financial Services, LLC. (NJ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XXXX on behalf of XXXX XXXX has been calling my home and employment using several phone numbers as follows ; XXXX XXXX as HFS. I have proof that debt was paid for and my XXXX paid the rest. They have ruined my credit and harrass me all day.I have health insurance and this matter was resolved and the service i received was by XXXX XXXX XXXX who provided me with professional courtesy.I need them to sto and repair my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Billing statement

Complaint: HSBC Bank enrolled me in paperless statements without my knowledge, approval or acceptance. As a result, I never received my paper statement in the mail, which I rely on to ensure I make timely payments, and missed 2 monthly payments. They have now reported my delinquency to the credit bureaus ruining my perfect payment history for over 20+ years. I 'm sure my credit score has been adversely impacted due to the reported delinquency. They did waive the Late Fee, but did not offer to correct my credit bureau report. My request is to correct my credit bureau report to reflect no delinquency as a result of this bank error.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: All of my student loans are being serviced by Navient since XXXX/XXXX/XXXX. Upon receiving my current XXXX XXXX tax form showing how much interest was paid in XXXX, I was alarmed when the amount was quite large. Much Larger than the amount paid towards my principal. So I went into my account and looked at how my payments were being allocated and there is a huge discrepancy in how much is going toward interest compared to principal. I used the interest accrual calculator on Navient 's website to see how much interest is accruing over a 31 day span and the calculated amount for all of my loans is {$340.00}. My current monthly payment amount on the IBR plan is {$580.00}. Below is how my payments have been broken down - only typed some of the months to give you an idea ( I will attach documents showing all months ) -- they have been broken down like this for as far back as I can check now that I have looked. 

XXXX/XXXX/XXXX : Principal - {$82.00} Interest - {$500.00} XXXX/XXXX/XXXX : Principal- {$65.00} Interest - {$520.00} XXXX/XXXX/XXXX : Principal- {$52.00} Interest- {$530.00} XXXX/XXXX/XXXX : Principal- {$51.00} Interest- {$530.00} XXXX/XXXX/XXXX : Principal- {$51.00} Interest- {$530.00} XXXX/XXXX/XXXX : Principal- {$53.00} Interest- {$530.00} I am not sure what to do here and if this is correct or highway robbery. I make a decent living but I will never be able to pay these loans off if this is the way they allocate my hard earned money. 

We do n't get to choose who services our loans when we get out of college and you would think that government agencies would regulate these companies to make sure that those who work hard and pay their bills get some sort of piece of mind. I work hard and do n't have time to keep track of how Navient should be doing their job legally and ethically. Please help me with this issue and help me to make sure the money that was n't allocated correctly goes back to my principal and future money is allocated properly. 
I also make too much money to write off my student loan interest on my taxes so I am at a loss of over {$5000.00} a year while my loan amount has only gone down {$400.00}! I should not be paying {$5900.00} in total payments XXXX, of which {$5500.00} went straight to interest.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Improper inquiries were placed on report and not properly investigated by Transunion. 
As followed XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX/XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Unauthorized accounts have not been verified after several request XXXX acct # XXXX XXXX acct # XXXX XXXX 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 08/27/2015 about Mortgage (Conventional fixed mortgage) with loanDepot.com, LLC (CA).
Issue: Settlement process and costs

Complaint: We currently have a 15 yr FHA loan with Loandepot. We started a refi to a 15 yr conventional loan to remove the MPI. We finally signed loan docs on XXXX XXXX, 2015 and was supposed to fund by XXXX XXXX. We were told not to make our XXXX payment. To date, it has still not funded. I instructed them not to do an appraisal unless the loan was fully approved. An appraisal was done in which we paid {$390.00}. I finally made my mortgage payment as not to be in a 30 day late status with the credit agency. I have spoke to our loan officer as well as his manager and still can not get an answer. They have held us up from refinancing our loan with any other lender because we would have to pay out of pocket again for another appraisal. Also, we would not be able to get the interest rate ( 3.25 % ) which is what the interest rate was at the time we started our refi. I have never heard or experienced this action. I always assumed once loans docs were signed and notarized that the loan would fund by the date indicated. What can we do at this point?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Consumer Loan (Vehicle loan) with SUNTRUST BANKS, INC. (VA).
Issue: Shopping for a loan or lease

Complaint: I recently purchased a new vehicle through a local dealership in XXXX, VA. The dealer set me up with Suntrust as my lender ( I 'm not sure if this was based on the lowest rate, or that he was incented by Suntrust to push them - He claimed he got box seats to the Washington Nationals game from Suntrust and was going that weekend ). Once I was approved and my loan established, I registered online ( as I 'm an online / digitally engaged person ) so I could regularly pay my bill there. Suntrust does n't allow online payments outside of having an account with them - So I am now being forced to make a financial decision ( open a new account ) with Suntrust to pay them. I called and asked if I was going to have to pay by phone now and they advised that there is a {$15.00} charge to pay by phone. I was not disclosed any of this information when choosing Suntrust as a lender - If I had known they operated this way, I would have chosen a different lender ( even if the rate was higher ). It feels as though this borders ( or holistically lands in ) UDAAP territory as they did not clearly disclose this information to me in making my financial decision.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: My complaint surrounds the now know predatory practices of XXXX XXXX XXXX. My duration of school was from XXXX - XXXX. I sought out XXXX for the XXXX XXXX and XXXX program. While I was fresh out of XXXX XXXX, they made sales pitches to me stating federal/private loans would guarantee my future. I would be placed with a well paying job right out of school and my loans would only help my future by improving my credit lines. From the application paper work to the application for federal/private aid through student loans, this was all facilitated through a rubber stamp type action, much like we saw on home mortgages. I fought every step of the way to gain an education which I thought I had paid for and ultimately left me without work and the ability to repay my loans. As the schools have no closed and previous lawsuit, much like the CFPB in Case No. XXXX are the exact situations I faced. There was no truth in lending and I have n't been able to obtain assistance from Navient, my loan servicer. I would appreciate the assistance and guidance to have these loans discharged, both federal and private loans.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Billing disputes

Complaint: citi bank customer 25 years for months they will not all of a sudden refund interest sunday i called and after 5 calls still got nowhere even after a rep hung up on me then offered me soemthing instead of a credit then we got disconnected i called back and was told that citi was told to close my account something i never asked for after 6 calls i still have no credit now i know its valid i know i have been refunded before i also know with all my accounts in the past 2 years several times payments have not been posted correctly this is my account ending XXXX i am unable to use the card much now due to this. 
i am so disappointed that after my loyalty there is no refund of interest as a result i am unable to use my citi cards as i was. banks give more back in charge offs to bad customers. bad cusotmer service bad english costs me time more than XXXX dollars. i am disappointed. its greed and its not customer service. i want the account but will use my cards with other banks who would not insist on keeping XXXX dollars from me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-03-2015 about Payday loan () with CURO Intermediate Holdings (CA).
Issue: Applied for loan/did not receive money

Complaint: Speedy cash has had a negative mark on my credit report for years.I applied for a loan from them but got denied due to their files showing I have an unpaid loan.I have never received any money from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Mortgage (FHA mortgage) with CITIBANK, N.A. (MO).
Issue: Settlement process and costs

Complaint: CITI AGREED IN SETTLEMENT THAT THEY WOULD DELETE INFO FROM XXXX IN EXCHANGE SETTLEMENT. THEY HAVE NOT KEPT THEIR END OF THE DEAL

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 05/24/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (OK).
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint: I applied  for two Tuition Answer loan s with  XXXX   XXXX  in  XXXX  and  XXXX . I filled out the applications as the student and main borrower of the loans. I asked my father to co-sign. A few years after receiving the loans I called to have the co-signer removed from the account. i was told that I myself was the co-signer and my father was the student/borrower. I informed them no that we filled out the applications as myself as the student and main borrower. The stated that my father was placed as the main borrower because his  credit score was better and if they would not have done that then we would not have gotten the loan. They stated that there was no way to switch it now. There is also no way to removed my father from the loan ever because he was the student. He never attended school and never was the main borrower. We have tried to have it switched and it is impossible. My father will always be stuck with this loan, because they lied and did something we wished never to have done. If my credit was no good enough for the loan they should have denied me and not went behind our backs to saddle us with a loan. We was promised that we could removed my father from the loan   within four years  from disbursement. Now we will never be able to do this because the lied and put him as the student borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have disputed the following accounts to no avail with Experian. They claim that they verified these accounts and I have not received any proof from the company nor Experian that these accounts belong to me. I have escalated my concerns to the FTC to investigate and possibly become part of a Class Action law suit. The following accounts do not belong to me : XXXX-Account # XXXX XXXX  XXXX XXXX -- # XXXX XXXX XXXX- # XXXX 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 02/28/2017 about Student loan (Non-federal student loan) with DISCOVER BANK (DC).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have a {$2000.00} student loan currently in repayment from Discover Student Loans. The loan application lists XXXX/XXXX/XXXX - XXXX/XXXX/XXXX as the period of enrollment but otherwise includes XXXX personal information detailing that this was a loan taken out on my behalf. The loan application also has co-signer denied but I am sure that I did not apply for nor receive disbursement of the loan. The loan application also features no information about an interest rate or origination fee. There is also a discrepancy between the principal balance on the loan application and the statements that are available online. The loan amount says {$2000.00} but the principal amount on the most recent statement says {$3000.00}. To date, I have made {$1000.00} in payments on the loan. However, I have never received a promissory note or any other communication from Discover Student Loans regarding this loan, except for multiple phone calls harassing me to make payments in a time where I was financially unable to do so. According to Discover, information that they 've received from the XXXX XXXX XXXX says that I graduated on XXXX/XXXX/XXXX but they would not confirm the institution from which it says I graduated. This is also inaccurate, as I did not receive my XXXX degree until XXXX/XXXX/XXXX. Furthermore, the customer service agent told me my loan entered into repayment on XXXX/XXXX/XXXX even though I received no communication about a change in status of the loan. I am currently experiencing the same issue, as my loan has entered into repayment only 2 months after my completion of my XXXX degree. Additionally, when speaking to customer service I was provided misinformation by two separate agents regarding my payment due date and my payment amount. I was also told that my payments were past due when they are not. Discover Student Loans has been a terrible servicer of a loan that I am unsure that was ever applied for or received and the customer service that I have received thus far regarding this issue has been abysmal.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX Loan reported me as making a late payment to the credit bureau, when I asked them to pull the call where I was assured from the rep that she will update my account with my new bank information I felt assured that this would be done on their end. I am now told that this was never done and can not be done on their end they can only take the payment. I had expressed to the representative at that time that I was calling because I was not able to login to my account and she reiterated more than once that she will get it done for me. This was on XXXX XXXX, so my XXXX payment should of processed through my XXXX XXXX  account-it did not due to the bank account not being updated as promised. My payment returned account closed-I had more than enough funds in my account!! I provided my bank statements proving this as well. When I called and talked to XXXX ( agent id XXXX ) in escalations I asked her why no one ever called, no correspondence received, nor did any of the representatives I spoke with ever tell me that my payments were hitting a closed account. Her answer was they do n't have to tell me I should be watching my account. I thought XXXX was a reputable company that had integrity, but apparently not. They kept taking my payment-so they charged me late fees & return payment fees. I could tell that I was not going to get any empathy from this rep from the beginning of the call, she talked over me and when I asked for another representative or her manager she told me she will have them call me back. I had to ask her what the name of the person who will be calling and she said she does not know. I asked her what time the call would be made-SHE THEN told me 7-10 business days. Mind you she is in escalation and I have tried to call them on my break to ask them to review my documents showing that I had more than enough funds in the account at that point in time, also the fact that they called me to tell me my payment was due, but failed to mention the issue so I was never aware. I HAVE ASKED THEM NUMEROUS TIMES TO PULL THE CORRECT CALL-to no avail. Now I have a late payment mark ( the only one I have on my all my reports ) due to XXXX being unethical and allowing their representatives to withhold information from their customers for financial gain in fees. I also show that I am on auto pay on my profile, but according to XXXX in customer service I am not. I feel like this is another ploy to get more money for fees. We have provided proof that our average balance was and still is $ XXXX so why would we not want to pay and use a closed account that would generate fees?

Company response to consumer: Closed with explanation