milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-04-2015 about Payday loan () with Big Picture Loans, LLC (CA).
Issue: Applied for loan/did not receive money

Complaint: I applied for a loan that was necessary via Castle Payday. I checked the scheduled delivery date and the account / routing number. Everything was accurate on the loan application ( I have printed copies ). 

The funds never made it to my account, and I have spent two days on the phone with a call center XXXX. 

I have been on the phone with that call center too often, and they have begun to lie to me. The first issue was that they mentioned that the account number was too short. After being disconnected while on hold, I called back. The next issue they told me was that the account number was correct but the routing number wrong. After being disconnected while waiting for the supervisor to get a bank representative on the line, I called the bank and verified the funds were never deposited. Again, I have a print out of the application. The account numbers are accurate, and were entered correctly. 

My concern now is that this company has my personal information, which it has misused and further misrepresented itself during our business transaction. 

I can not contact any employees of Castle Payday. They will not respond to emails I have sent them. 

I can not get a clear answer to whether or not funds were moved, or if this was some sort of scam.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I notified Ocwen that my property taxes and my insurance had both been changed ( lowered ). They were provided with the necessary documentation from both the new insurance company, which they have already paid and the formation from XXXX that my property taxes were lowered. They are refusing to update my information and sending me new escrow estimation so that my payments reflect the changes. The county sent them notification of my tax decrease in XXXX yet in XXXX they sent me an estimate of escrow with the old information. I have spoken with both their escrow and insurance departments and they both agree they have received the updated information. I have contacted them every week since I recieved their escrow estimate in XXXX and am being told that they will correct the problem in XXXX business days but today is XXXX XXXX and it has n't been corrected yet. 

I keep getting phone calls from them asking if I have received a refund from my old insurance company and to send them the refund. I was also charged a {$100.00} fee for something they say my old mortgage company charged however, I have called the old lender and they say they have no record of a {$100.00} fee. 

I am XXXX years old and live on a small fixed income. I feel that they are trying to take advantage due to my age. I ca n't afford to give them monies that are not due them and would appreciate your help in getting this matter resolved in a timely manner!

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX aka XXXX is innacuratly rsporting to ALL three agencies. I have disputed this through your system and I 'm more than confused as to how this is allowed to continue. On my Trans union, XXXX is rwporting XXXX negative and XXXX positive accounts. They are rwporting that I opened ALL XXXX accounts on the same day month & year totaling over XXXX {$.00} They are also reporting that I only paid XXXX month on all XXXX of the negative accounts yet I continued to pay for XXXX months on the positive ones. I submitted legal court documents stating in XX/XX/2013 XXXX filed a claim against me but dropped it due to settlements on all my accounts. the case againt me was settled and withdrawn and a year later they tried again to no avail and the case was dismissed against them -- yet, according to their reporting, even after the court cases, I continued to pay on only XXXX accounts. This is absurd! Then XXXX is reporting to XXXX as XXXX rents, they are reporting that I only have XXXX negative account and no positive accounts. They claim I opened the account on XX/XX/2013 and the amount was for XXXX for a term of XXXX month. How these agencies can not see the ridiculousness of this is beyond me, and both of these agencies claimed to have " verified '' this information. Well I wish to know HOW information is verified and I wish to have the verification myself. Last, they reported to XXXX XXXX negative accounts and XXXX positive accounts all opened the same day month and year totaling over XXXX {$.00} I have disputed and refuted this over and over. Credit agencies are not to allow innaccuries and its clearly OBVIOUS these reports are Innacurate. These actions by XXXX should investigated!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/16/2017 about Debt collection (I do not know) with Tate and Kirlin Assoc (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Collection company-Tate & Kirlin is billing from creditor XXXX for $ XXXX. The original Ietter in XXXX XXXX from Tate & Kirlin stated they could offer me a discount of 60 % for a balance of $ XXXX. Their client is XXXX. I have not entered into a contract with XXXX. 
I contacted on XXXX/XXXX/XXXX Tate & Kirlin to get answers, but when asked for my SSN or DLN, I refused and she ended the call. 
This could be for an old charged off account from XXXX. 
What am I to do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Credit reporting () with SYNCHRONY FINANCIAL (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I stared XXXX dental treatment in XX/XX/XXXX. The doctors office suggested I use Synchrony Bank to pay for the treatment even though I was going to pay cash and so they went through the process. The Dr. however scammed me and never finished the work and even caused additional issues and I am currently suing him. I stopped paying the debt because according to Synchrony Banks retail agreement that they gave me " if you are dissatisfied with the goods or service that you purchased with your credit card, and you have tried in good faith to correct the problem with the provider, you may have the right not to pay the remaining amount due on the purchase ''. I did try in good faith many times and made Synchrony Bank aware, but instead they added interest on the account to bring the amount to more than double of what the balance was which was only {$1000.00}. This happened after speaking to one of their representatives who told me not to worry about the apr going up because I was in the middle of suing the DR. so the apr would not go up which was completely false information. I have written letters to them to the address they gave me SYNCB C/O Card Services XXXX FL, XXXX and they do not respond. The last 2 letters were sent XX/XX/XXXX & XX/XX/XXXX with absolutely no response. I emailed them and also received no response. They are damaging my credit by reporting the account to credit agencies and this needs to stop. They have thousands of complaints against them online. 
Care Credit Account # with Synchrony Bank is XXXX 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
Consumer complaint received 09/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with High Point Asset Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was called on my cell phone at XXXX and left a voicemail to call back ( XXXX ) because they " needed my statement since I was a person of interest ''. I called back at XXXX, phone rang at least XXXX times before a XXXX XXXX XXXX picked up. He advised me the call was an attempt to collect a debt and our call was being monitored. I proceeded to get the company information from XXXX XXXX. The collection company was called High Point Asset Inc. ( http : //highpointassetinc.com/ ) and they were calling about XXXX pay day loans taken out under my name, which he repeated back to me, my social security number, which he repeated back to me in whole, and my home address, again repeated back to me in whole. He advised of the dates the loans were taken out and the last XXXX of the checking account used, I advised XXXX XXXX I did not have then or now a XXXX XXXX account matching those numbers nor did I live at the current address when the earlier loans were supposedly taken out. XXXX XXXX was very warm to speak too, kind. He said he would forward me everything they had on my account so I could go through the proper channels to dispute the charges. We spoke for over 30 min and he even gave me his extension number ( XXXX ) for me to call back to update him on my findings. Everything seemed legit other than the fact I never took out any pay day loans. He gave specific dates and amounts and company names the loans came from. He did only email me one collection letter, but no validation of debt. I mentioned to him towards the end of my call that in my field of work we have a hallway of dedicated lawyers so as soon as he could send me information I was going to take to them for review, about that time he told me he had been on the call too long and would have follow up with me later. I have since been trying to research this collection company, but all I find is that it is a scam. I have since called all XXXX of my credit reporting agencies and flagged my social for fraud until I know further.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: This is a XXXX XXXX Private Loan which just went back into payment status XX/XX/XXXX when my Bankruptcy was finally discharged XXXX Chapter XXXX ). I made a payment arrangement last summer were I was paying {$40.00} or {$50.00} a month. I started to receive harassing calls from Navient XXXX XXXX XXXX is XXXX Navient XXXX. I did n't know who they were and did n't identify themselves. I finally found out XXXX XXXX and Navient are XXXX and the same, but XXXX hand does n't know what the other hand is doing or receiving. Navient did n't want to honor the payment agreement. I am permanently XXXX receiving Social Security, I can not afford full payments. I received harassing phone calls as did my XXXX year old co-borrower/grandmother, we are both XXXX and ill, we do not need the nasty phone calls. I sent XXXX letters to XXXX XXXX and Navient per the Fair Debt Collection Practices Act regarding no more phone calls, correspondence only, the letters were faxed and mailed. I received a phone call on my cell phone which I told them to remove because I never provided them with my cell phone number nor authorized them to call my cell phone, they left a message on that line, not verifying that, that was indeed the line that I used and after the fact that I sent the Fair Debt Collection Practices Act Letter, this was on XXXX. On XXXX my co-borrower, XXXX XXXX, my grandmother received a call from Navient from a male who would not state his stating he was going to call her all day today and tomorrow, once again after the Fair Debt Collection Practices Act Letter signed by myself and my grandmother was faxed and mailed to Navient on XXXX. The XXXX XXXX letter was sent on XXXX. They are in severe violation. My stress level and mania has increased and the XXXX XXXX and stress level of my grandmother. This is not fair that corporations can take advantage of people. I have done what their " Advocate Department '' has asked me to do as far as providing documents from my doctor to possibly have this debt discharged and I am still being harassed and they are not abiding by the Fair Debt Collections Act.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Credit report disputed but no written resolution received. 
FHA loan Short Sale. 
Due to FHA guidelines I was required to be late on my mortgage and further decrease my credit score jeopardizing my livelihood with high interest rates, increased insurance premiums due to this requirement. 
I also hard a medical hardship. My property was listed on XXXX XXXX, XXXX and was not approved until XXXX XXXX, XXXX. On several escalations to XXXX XXXX were completed along with a conference call with the Short Sale Processing Manager and underwriting director. 
The first processor, XXXX XXXX on XXXX XXXX, XXXX denied my short sale application incorrectly. 
There were XXXX managers involved ; namely : 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX Along with escalation to FHA, Lender 's market value was less than the sales contract. First buyer terminated due to numerous delays and listing agent was able to secure a new buyer in 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 07-08-2016 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (OR).
Issue: Taking out the loan or lease

Complaint: I signed up for an Installment Loan from Big Picture Loans LLC on XXXX/XXXX/16 due to a job change. The agreement that was sent to me showed that I would have the {$400.00} loan paid off in XXXX payments. After signing up for the loan, the interest rate showed 847.9002 %, and that the total finance charge to them would be {$1800.00}. The total of the repayments will be {$2200.00}. If this was available to view with these details before " signing '' anything, I certainly would not have done it. 

After doing some research, I was directed to this site due to the seemingly illegal operation of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I continue to get inquires for credit I did not make.

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 08/20/2016 about Debt collection (Medical) with Grant & Weber (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Grant and Weber has never responded to repeated requests for the original invoice from the service provider in 2012. Instead, they create their own invoices - on Grant and Weber letterhead - with whatever charge they 've decided to charge me. I 've contacted the original medical provider and they have no record to share since they turned it over to G & W. So they ca n't tell me what the original cost was. I 'll pay legitimate debts, but it 's unreasonable to expect me to pay without ever giving me the invoice for services! So they 've dinged my credit report with a collection, hurting my ability to get apartments and loans at reasonable rates. It 's not fair to tell the world I 'm delinquent and use the credit reporting system to coerce me into paying a false bill.

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 05/15/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with WELLS FARGO & COMPANY (CA).
Issue: Problem with the payoff process at the end of the loan

Complaint: -On XXXX/XXXX/XXXX ; XXXX XXXX insisted that I ( XXXX XXXX ) obtain financing through Wells Fargo Bank to pay for services- - I do not feel I made a sound decision about whether I needed or wanted these services- -We had called for a plumber to clear the 

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: My first name is misspelled on my credit report. Also, I 'm listed as currently employed with XXXX XXXX and that is not accurate. I 'm unemployed.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ERC (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I called XXXX to dispute all the information on my name. I was told they can not dispute those because I was not affected. I have spoken with XXXX and i was told that I will not be charged with nothing on my name. Well that was a lie. I spoke with XXXX XXXX and they said that I will not charged because I returned all my rented items back to them. I did not keep them. Never heard any thing else from them. When I went to the hospital I had XXXX. I was insuranced. So I was not aware that I woyld have a balance. XXXX never walked with me to inspect the apartment I lived in together. The lady had went into the apartment without me. When I called her to tell her I will be there after class she had already went into the office and locked the office around XXXX. Well, that is not what time they close up. They never sent me a final bill to my new address. I received a bill from a bill collector and I dispute. I have never heard anything from the dispute. So company policies were not keep.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/2016, my husband and I began a loan repayment plan for our home mortgage which was past-due with Wells Fargo. The repayment plan was for six months and each monthly payment was to be {$1200.00}. 

We recently completed the plan this XXXX, however, we received an 'Urgent ' note on our door telling us to contact Wells Fargo Mortgage, immediately. We also went online and reviewed our last mortgage statement and the last two payments that we made are not reflected on our statement leaving us with a past-due balance of {$2700.00}. 

XXXX, our XXXX, is the representative specifically assigned to our case. We have made numerous efforts to contact XXXX, but have not been able to get in touch with her. We have, however, spoken with at least three other Wells Fargo specialists only to be told three different things. One representative told us that we had only made partial payments and that we still owed almost {$800.00}. Another representative said, that according to information on her screen, we had not made a mortgage payment in 47 days. 

I have attached all the necessary documents to verify that we have complied and made all of the payments of our repayment plan. We would like our account to be credited and brought up to date immediately and we would appreciate your help in facilitating this matter. 

Thank you kindly, XXXX and 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 05/15/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Account opening, closing, or management

Complaint: I closed out my bank account over 3 years ago. At that time I turned in my keys to my safe deposit box. They continually send me bills for the safe deposit box that I do n't have and closed out correctly. The bills have added up to {$240.00}. 
I do n't owe this and contacted them in writing several times only to be ignored. 
My name is XXXX XXXX XXXX XXXX XXXX , XXXX , XXXX XXXX. The Bank is Bank of America, XXXX XXXX XXXX, XXXX, XXXX XXXX. 
XXXX XXXX XXXX My email is XXXXXXXXXXXX

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 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with CITIBANK, N.A. (TX).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: Cbna or Sears I 've never applied for any type of credit check or whatever this is I signed up for. I 've never been to a Sears in my entire life

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 04/30/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage lenders Green tree servicing place force place insurance on to my mortgage payment every month without my consent.they harass me on before the XXXX of every month, call me day and night demand payment quick and a {$12.00} XXXX XXXX they change my mortgage payment from {$1900.00} to {$2000.00} without explain why, the denial my loan modification XXXX time, the give the run around

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: On XXXX/XXXX/15, I contacted Experian to dispute two addresses that are n't mine that are showing on my credit report, and they refused to update. 

On XXXX/XXXX/15, I contacted Experian again to have the addresses removed, and they again refused to update. 

They areAddress ID - XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX ) and Address ID - XXXX ( XXXX XXXX XXXX XXXX XXXX, MN XXXX ) I live in Colorado. I expect them to remove inaccurate information that is not on either of my other two credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation