milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-08-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with WELLS FARGO & COMPANY (CA).
Issue: Trouble during payment process

Complaint: Starting on XX/XX/XXXX Wells Fargo 's Collection Department started calling my house multiple times per hour. When I answered the phone it was either a computer telling me to hold, or an operator asking for my name and then they hung up. On the night of the XX/XX/XXXX I answered the call and asked why they were calling over and over again, and the operator said - Well " you seem upset XXXX XXXX, this is not a good time to talk. '' And hung up. We contacted Wells Fargo, they hold our mortgage and our equity line. Mortage dept confirmed our XX/XX/XXXX payment was received. We send both payments electronically from our XXXX acct. On the Morning of the XX/XX/XXXX the phone starts ringing again from Wells Fargo. When I talk to them they tell me that my Equity line is 3 days late. I tell them I paid it electronically already and the mortgage dept received it 's payment. After a lengthy phone call the Wells Fargo operator admits they are having an issue with XXXX electronic payments. But they recommend I make a second payment before they report me to collections. The payment was sent on the XX/XX/XXXX. The payment was due on the XX/XX/XXXX, and collections started calling on the XX/XX/XXXX. On XX/XX/XXXX I received a notice from XXXX that my Equity payment was being returned. I went to XXXX and received a copy of a memo from Wells to XXXX stating they had closed several lock boxes that XXXX mailed the payments to and the payments were lost. I then went to Wells Fargo to pay my equity line for a second time. On XX/XX/XXXX when Wells Fargo started calling me for a payment that was 2 days late they were aware of the issue with the XXXX Payments. Between XX/XX/XXXX and XX/XX/XXXX - Wells Fargo called my house 19x because of a 2 day late payment they rejected. They hung up on my wife and I on 4 different phone calls. I filed a complaint with the Executive office of Wells Fargo. After a week of reviewing my case they admitted the operator who spoke to me was impolite and they were going to discuss with her how to better handle customers. They lied to me as to the reason the payments were rejected. They lied about when the lock boxes were closed. And they said the problem was because of XXXX. I have a Wells Fargo memo that states the opposite. Wells Fargo 's only offer of compensation is that they are not reporting my XX/XX/XXXX payment late, and not charging me a late fee -- -FOR A PAYMENT THEY REJECTED. I believe calling 19x in less than 24 to collect a debt that is 2 days late, and is late because you cancelled the payment to be harassment. It took me at least 5 hours to deal with both banks to get to the bottom of this situation. Telling me that their collection department is being reviewed and offering me nothing is unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hillcrest Davidson & Assoc (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was a customer of XXXX XXXX and cancelled my services. I spoke with multiple representatives of XXXX who have assured me that my services have been cancelled, my account is closed and my balance is {$0.00}. However, I 've received a letter from Hillcrest Davidson dated XX/XX/2016 stating that they have been assigned my account from XXXX and that I owe {$1200.00}. I spoke with multiple representatives from XXXX following receipt of this letter and have been told that I do not owe anything to them and they have no idea why XXXX would be attempting to collect the debt. 

Following my coversation with XXXX confirming that I did not owe anything XXXX told me to contact Hillcrest Davidson to tell them I did not owe anything and that XXXX was looking into what happend. I spoke with Hillcrest Davidson to tell this to them and the gentleman I spoke with started screaming at me telling me that I owed the money, that I needed to pay it immediately and that it was going to start affecting my credit. He then hung up on me. I do not owe the debt and XXXX has confirmed this, yet I am being harassed by Hillcrest Davidson on an entirely groundless basis.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Originally This account was handled by XXXX XXXX XXXX XXXX XXXX, in XX/XX/XXXX, at some point it was transferred to the XXXX XXXX XXXX/XXXX XXXX XXXX XXXX and was in deferred status but XXXX says that it was not in deferred status in XX/XX/XXXX, XX/XX/XXXX and that they sent correspondence, so the went into delinquency even though I told them that it should have still been deferred and as far as I knew it was. I am XXXX of a small XXXX, and have been working in and around the XXXX XXXX XXXX for the last 22 years, and was unable to make all of the payments. This Account has been closed and reopened over the last 13 years, many times since XX/XX/XXXX. Forward to XX/XX/XXXX the old account has been closed and a new account has been opened and is being paid to a new company called XXXX XXXX XXXX XXXX, but the old account is still showing as derogatory and says to contact Creditor. Right now I am scheduled for another 10 years of payment! Honestly I do n't know what has been paid and what has n't. Now every time anyone looks at my Transunion, XXXX and XXXX credit reports I get a new black eye. The last two attempts creditor wrote that I needed to get my Transunion Report after a Hard Pull.

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 12/15/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: To whom this may concern, I usually make my payments via bill pay from my bank, so this way, I wo n't be late. XX/XX/XXXX, due to a change in escrow account, the usual payment that I 've made went straight to principal instead of being counted as a payment. And because of my bill pay, I do n't look through my statements every month. I did n't realize there is an increase in my Escrow account till XX/XX/XXXX, which is already too late. They have already added a 30 day late on my credit report, and may be a XXXX one. 
I tried calling Ditech mortgage this morning to explain what happened and they would n't reverse what has been done and said their credit department can not reverse it because it is not caused by Ditech.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Payday loan () with SOUTHERN MANAGEMENT CORP. (SC).
Issue: Received a loan I didn't apply for

Complaint: XX/XX/2017 XXXX : I received a call from XXXX at Southern Finance at XXXX SC XXXX. XXXX told me that a check had been cashed in my name, and that repayment was expected. 

Suspecting a scam or con-job, I asked for additional information. XXXX told me that they had mailed a check to me and that it had been cashed. I told him I did not know anything about this. XXXX provided a SSN and DOB that match mine. 

When I asked him, XXXX told me that checks had been mailed as a promotion to many people, and that cashing these checks was acceptance of a loan with interest in the 40 % area. XXXX told me that they had obtained by address, SSN, DOB, and credit score from XXXX. 

I told XXXX that I had not received any such check, nor had I cashed any checks in that amount. XXXX tried to tell me that a relative or roommate must have cashed it, and that I was responsible. I have no relatives in the area, and live alone. XXXX told me that someone must have taken the check from my mailbox, and said that he needed me to present myself to him in person to " get to the bottom of it. '' I declined to do so, because I believe he would try to trick me into giving him information to add to his file and make it appear legitimate. Specifically, I think he would have tried to trick me into letting him copy my ID to add to the file and make it appear that I had applied for the loan in person. I think that security camera footage showing me in his office would be added to the file to make it appear as though I applied for the loan in person. 

I believe that the practice of sending out checks for loans that were never applied for is deceptive and predatory, because many people receive many checks from many sources, and would believe such a check to be a payment from a client or a settlement, and deposit it without realizing they were obtaining a high-interest loan. 

I believe that this contact from Southern Finance was an attempt to commit fraud and collect on a loan that does not exist.

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 08/21/2017 about Debt collection (Other debt) with CAINE & WEINER COMPANY, INC. (OR).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: This has happened more than once, and I have a documented voice mail from XXXX at Caine and Weiner where they threatened my credit report unless I pay them today. This sounds like a predatory  practice from a debt collector that I think should be stopped. XXXX XXXX XXXX : You 've got a new voicemail from ( XXXX ) XXXX. Transcript : XXXX this is XXXX. I 'm calling with Canaan whiner this is in regards to the outstanding balance for XXXX reference number XXXX. unfortunately it has now been 2 months in collections at this point. It will be affecting your credit rating unless we could get payment today. Please call me at XXXX XXXX XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There is a name on my credit report that I have never been associated with.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: requested XXXX close XXXX XXXX XXXX, great effort required due to telephone conversations and language challenges, XXXX XXXX XXXX did not follow through closing the account because it was attached to an XXXX XXXX account or something like this, the reason they did not follow through is unclear, an additional charge was placed on the account afterward. The account was still open and we had to call again to close the account, again with great effort and insistence.

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 02-05-2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NC).
Issue: Taking out the loan or lease

Complaint: This company SANTANDER CONSUMER USA is reporting an account on my credit that does not belong to me - I 've never done business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NAVY FEDERAL CREDIT UNION (DC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Navy federal has been updating my credit report to all three credit bureau with inaccurate information. When a dispute for inaccurate information was made, Navy federal responded with more inaccurate information and duplicate entries on my credit report. I have paid a service to assist me in clearing up discrepancies however this issue has been ongoing for over 7 years. This issue is having a detrimental effect on my credit and is affecting my score and ability obtain credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DC).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: Like everyone else, I have no idea whether my personal information was compromised by the Equifax hack. I attempted to sign up for the company 's TrustedID Premier service that it is offering to people whose information may have been compromised. I filled out the form on the website, but did not receive a confirmation email until 3 days later. I was instructed to click a link to confirm my registration, did so, and then was told I had " already registered '' and should log in with my existing username and password. I do n't have an existing username and password, sparking fears that my information has already been hijacked or used by hackers. I then requested to reset my password and was sent a password reset link. I clicked that link and the site failed to load. It eventually loaded after several tries, then froze when I attempted to actually reset the password.
In short, I have no idea whether I have been enrolled in the monitoring service and apparently the company is completely unable to handle its own disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Credit card () with PAYPAL HOLDINGS INC. (CA).
Issue: Billing disputes

Complaint: I was inadvertently signed up for paypal credit. I received no invoices or billing statements until I received a phone call stating there was a balance due. I was told PayPal credit was separate from PayPal that I used on rare occasions. Having no knowledge of signing up for a PayPal Credit account. I asked the call to immediately close the account! I asked for proof of the charges and was told they could not give them to me. I informed the caller that without proof I would not make any payment. I was later able to confirm I made a purchase on eBay and after about a month finally obtained some records from Paypal Credit showing interest and late charges. I paid the original purchase amount, they waved some but not all charges. I still disputed the remaining charges but the telephone representative refused to give me an email or snail mail address. I was able to look up on line the snail mail address and sent a letter. Several weeks later I received a form email stating they received my dispute but provided nothing further than " it will be reflected in your billing ''. The billing never changed and they did nothing. Further calls escalated to supervisors we either " dropped '' or " nothing could be done ''. 
I will not be paying the {$54.00} current balance but wish to keep my good credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (CO).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I have been called 5 times since Monday, XXXX XXXX 2017 by XXXX XXXX XXXX XXXX. They have no account associated with my name or phone number, but they continue to call anyways. I have requested to be placed on their do not call list 3 times, the first request being over 48 hours ago ( on Tuesday, XXXX XXXX 2017 ) and they are still calling my phone. The most recent call was today, Thursday, XXXX XXXX at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXXXXXX ( XXXX  ) account # XXXX high limit of {$500.00} account is closed and is reporting as pays as agreed, incorrect reporting status per FCRA and Metro 2 reporting compliance standards XXXX XXXX XXXX account # XXXX high balance of {$430000.00} and balance of {$670000.00}? how is my balance more than my high balance. This is reporting in error per the FCRA and Metro 2 reporting compliance mandates. Payment grid showing 120 day lates, No 30, 60, 90 XXXX Account # XXXX amount is {$430000.00} only reported on transunion and should be reporting on all 3, incomplete data reporting in error and illegal. 

all 3 accounts have incomplete account numbers. This is a violation of the the FCRA and metro 2 reporting compliance standards mandates..

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 07/22/2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Original Creditor : XXXX XXXX XXXX ( collection agency- Central Control Financial ) I recieved a call from this agency -- They advised the debt was for my XXXX year old daught but, my name was on the insurance card that she used. Therefore, the company put it on my credit report, I never signed anything or had knowledge of any visited to this agency. However, my daughter has insurance through social security with medicated and it should have been charged. I am not responsible for her bills -- secondly, i found out through the credit report and they called from my report.. I did not have any insurance under my daughter in 2015 but, I am a victim of Identity fraud and furthmore, my daughter lives in XXXX County..

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Experian is not allowing me to lift the security freeze on my credit report. I have tried having the security freeze lifted by using Experian 's website and by mailing in a written request but have not received a response.

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 06/17/2015 about Mortgage (Other mortgage) with Ditech Financial LLC (MS).
Issue: Loan servicing, payments, escrow account

Complaint: This is about Green Tree again. Everyday for the last 2 years they have called me and my husband stating that we are behind on our house payment and we let our insurance laps, which most of the times the house payment had already cleared my bank or was pending at the bank to clear, the insurance that they say has lapsed did not lapsed, I bought my own insurance from a local company in town, and the local company faxed the proof of insurance XXXX times to Green Tree, which Green Tree states that they never received, so it was then mailed to Green Tree and they still claim that they did not get anything. When our mortgage was XXXX sold to Green Tree in XX/XX/XXXX or XX/XX/XXXX { that has been too many years ago } we were 1 month behind on our house payment and I gave Green Tree permission to take out XXXX payment out of our checking account, well needless to say they took XXXX house payments out and over drafted our account, and Green Tree would not refund the money or the over draft fees, so we learned the hard way on that. As of today Green Tree has called both of us XXXX times and the lady was wanting to know when we would be moved out so they could come and change the locks to there property. The phone calls from Green Tree every time they call are rude and threatening to take our house. I am to the point to just give up. I want something done to these crazy people. We are tired of them calling us and they never give up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-02-2017 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: Old information reappears or never goes away

Complaint: I have a paid lean on my credit profile and it is more than 7 years old. The lean has a paid status. However on several occasions letters were written to the credit bureaus for the removal of the negative reporting. I also obtained documentation From the IRS showing the lean is paid in full and that is what was requested by the credit bureaus. The deragatory remark is still present on my credit profile, I would like to have the negative information removed from my Equifax and XXXX credit profiles.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Duncan Solutions, lnc. (GA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: They did not use abusive language, I 'm a result of the fraudulent ticket that was also aired on the news. Although I did see the report of fraudulent tickets, I just did n't want to deal with collections so I attempted to pay. In my process, they refused to let me speak to a manager and refused to take my payment. Also told me what I should do in regards to my issue such as getting the car out of my name. I did n't ask about my personal issue nor did I tell XXXX about it so I do n't understand why he would tell me that. He was unprofessional. 
I discovered I had XX/XX/XXXX tickets around XX/XX/XXXX. I then notified the driver who said he was parked at the law enforcement wall where there is no meter. He also advised XXXX XXXX from XXXX XXXX was taking care of it. I called XXXX XXXX and was told I would be reported to collections in XX/XX/XXXX. The XX/XX/XXXX I received collection letters. I then called XXXX XXXX and spoke to XXXX XXXX on XX/XX/XXXX, he ask me why I did n't get the car out of my name and I can hear him laugh. I also request his supervisor many times and he told me. The second call to XXXX on XX/XX/XXXX took minutes to let me speak to XXXX XXXX. Please listen to the calls. On XX/XX/XXXX I attempted to pay and XXXX refused to take my payment because he said I gave him my name wrong.??? On XX/XX/XXXX I spoke to supervisor XXXX XXXX who refused to take my payment because she said I gave her my incomplete name.?? 
I have emails that I tried attaching-my emails begged for a Manager to contact me and as of today no Manager has contacted me regarding this encounter with fraudulent tickets nor unprofessional staff.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation