milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/18/2016 about Payday loan () with Big Picture Loans, LLC (FL).
Issue: Charged fees or interest I didn't expect

Complaint: i received a letter in the mail saying i was pre-approved for up to an {$800.00} loan. 
My husband had just had an accident and he had broken his ankle and fibula. this was causing a lot of additional medical bills and co-pays. 
I went online and filled out for the loan, they said i could get {$800.00}, i choose instead {$400.00}. I read the brochure over and it never mentioned anything about the amount of interest or payments. 
I filled out the on-line application, within about 10 minutes i received a call from someone at Big Picture Loans. 
They went over the amount, the information, and verified my phone and pay dates I was told initially there would be 5 payments of {$140.00} every 2 weeks as a service charge for the loan. they mentioned that after that the loan payments would reduce the interest rate every 2 weeks. 
I was told if that sounded ok to accept the agreement and sign it on line and then i could print out all the documents. 

I printed the documents but my printer was not working right. 
i had to wait till the next day to ask my daughter to print them out. 
That is when i almost had a XXXX!!! I was able to look over the numbers and found out that i would be repayiing {$2200.00} on a {$400.00} loan, worse yet i found out that the finance charges were {$1800.00}, and an interest rate of 1825 %.!! 

None of this was mentioned over the phone. I was NEVER told the interest rate or repayment was going to be that much. I assumed that that is why the fiirst 5 payments went to a service charge. I thought i was paying 25 or 29 % interest. the amounts that show up in the documents were never ever mentioned. 

I have called to complaint but i just get a run around, you needed the money we gave it to you.no pay for it. 
I also was told that this was a tribal loan and i could not omplain to any government agency. that i would have to appeal to a tribal council. 
NONE of this was ever mentioned. It was never mentioned that i had a 2 day cancel period, whichis in the docs but never brought up on the phone call when i accepted the loan. 

This company is a scam! i can not imagine hw many other people have been caught in a bind and have fallen for the same thing. 
I have asked them and faxed them a request to stop ACH withdrawals from my bank account. I will look to resolve this in a reasonable manner. 
I do not mind paying a higher interest rate but, 18825 % 0n {$400.00} is a robbery!!! 
I am hoping you can investigate and help me with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX XXXX XXXX reporting that I was late when I was not. They are indicating that i missed a payment when I did not.

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 03-02-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with The Leviton Law Firm, Ltd. (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Above not accurate, attempted withdrawal from bank acccount. 
I contacted the collection agency ( via Regular MailXXXX, and e-mail ) on XXXX XXXX, XXXX to rescind any and all authorizations to draft checks, withdraw, debit or otherwise remove money from my business account as I would remit payment myself via check each month. Despite my direct notice, the collection company debited my account on XXXX XXXX, XXXX for {$250.00}, overdrawing the account.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Settlement process and costs

Complaint: Last year around XXXX we received notice ( a postcard ) that we were included in this settlement, did not have to fill anything out. We then received a confirmation of this in XXXX that it would be completely settled in XXXX - never heard of it again. 
We would like to know the status of this please. 
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 09/26/2017 about Mortgage (VA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Incorrect information on your report

Complaint: We are responding to claim number XXXX that was filed in reference to Bank Of America, ... we are responding to there response .... BOA claimed that when we filed our Chapter XXXX Bankruptcy in XXXX that was changed to a Chapter XXXX in XXXX XXXX and was Discharged in XXXX/XXXX/XXXX BOA stated that we did not reaffirm the debt, the debt was reaffirm in both the Chapter XXXX & XXXX XXXX case, in fact BOA did a modification in XXXX XXXX but did not record the lien until XXXX XXXX ... ..we was in the process of refinancing our loan with another company and found out that BOA never perfected the first loan and the only loan that is showing is the modified loan, BOA sent out a history of payments to the credit Bureau incorrectly by showing us over 30 days past due starting XXXX when they got the loan from XXXX XXXX XXXX XXXX and never gave us credit for our 3 payments that was sent to XXXX XXXX XXXX XXXX even when XXXX XXXX sent them a copy of the transaction along with a letter stating that the payments was received by XXXX XXXX XXXX XXXX XXXX we never got our credit on the old account and never got our money back from the payments ... Boa also reported that we was over 30 days past due during the Bankruptcy and up till XXXX XXXX when the old loan that they reported on was closed in XXXX XXXX and the new loan was modified XXXX XXXX and that loan should be showing at the credit bureau, we are requesting that we be given back our 3 loan payments since the loan has been closed or that the three payments be place on the modified loan ... and that BOA correct our pay history with the credit bureau.. also how can a loan that never was perfected, be able to be modified ... If needed, I have all my documents to prove everything above.. only my fax is working at this time and if any documents are needed I will be more than happy to fax it.

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 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The credit bureau is refusing to remove a collection account on my credit report that does not belong to me. The account number is "  XXXX  '' and it has a past due balance of {$11000.00}. I have never had any business dealings with  XXXX   XXXX  and in all of my disputes, I have never been provided with supporting documentation to validate this debt. The credit bureau provided with me  XXXX   XXXX  's contact information in their response letters and after having called multiple times, they can not find any record that matches my personal information for this past due debt. Since I am not the person who created this debt,  XXXX  is refusing to send me any documentation to validate my claim and remove this from my report. Thus, I am stuck and the credit bureau is continuing to report someone else 's account on my credit. I need this to be deleted from my credit as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have been trying to resolve this get issue with XXXX XXXX on behalf of XXXX and XXXX XXXX XXXX on behalf of XXXX XXXX XXXX ; I have disputed these accounts as not mine because they are not these accounts were opened in XXXX 2 years ago I under the age of XXXX meaning " LEGALLY UNABLE TO OBTAIN CREDIT '' these are not my accounts and would like them removed from my all of my credit files immediately. Please be advised this is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX of XXXX with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and Experian with no success. They have refused to update information. Accounts to be removed : XXXX XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX # : XXXX. Will submit ID documents my current state issued ID, birth certificate, high school and college transcripts to support age claim. I do not know who opened these accounts but they are not mine and I would like them deleted.

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 05-01-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Financial sent me XXXX XXXX forms. The corrected one states only $ XXXX+ in interest paid, the other states $ XXXX+ interest paid in XX/XX/XXXX. In XX/XX/XXXX, we paid $ XXXX+ in interest. The customer service reps at Ocwen contend that I should add the XXXX figures, however, the corrected one is the actual XXXX used by the IRS, hence " corrected ''. They are unable to give me a loan amortization schedule for reconciliation purposes, furthermore if we add XXXX XXXX forms, we will outstrip interest paid in XX/XX/XXXX. How is this possible when the interest rate is fixed, is n't the interest paid decreasing in value every year for fixed rates with no changes/no lates, etc ...?

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Payday loan, title loan, or personal loan (Installment loan) with Main Street Holdings, Inc. (SC).
Issue: Problem when making payments

Complaint: First on XXXX XXXX, XXXX I called to make my first installment payment. They do not accept any kind of payments over the phone which is a big inconvenience. However, I do pay my bills responsibly, this was XXXX weekend and with the hustle of the holidays, I did forget to drop off a money order. I spoke with XXXX on XXXX XXXX and apologized and tried to set up arrangements for my payment with my next check. I even offered to make 2 payments ( which of one would be early ). I was told this was absolutely unacceptable and that if I did not pay the very next day, I would be taken to court. I again apologized and ask if she would please work with me, because I get paid bi-weekly. I was told absolutely not, pay the next day or else. She kept threatening me in a rude tone. I told her that she could not do that, that I know you have to send out a right to cure and that right has to expire before legal proceedings can occur. She said no I do not have to do that and I will take you to court tomorrow. I then called the district manager and was told that I was right, however I was still made to feel like she did n't want to help me. my right to cure was then sent out that day after I was told by the DM it had been mailed on the XXXX. XXXX also called my husband and disclosed 3rd party information. She was asking him when I was planning to make a payment and that my acct was behind. My consumer rights have been violated and I feel as though the DM did n't care that XXXX had broken the law and said nothing in regards to her disclosing my information. I also feel like I 'm not the only person that she has done this to because she seemed so comfortable with doing this. The DM ( XXXX XXXX ) when told about this matter said " oh she did '' and that is all. XXXX XXXX said that XXXX was the new manager and was trying to collect past due people in any way she can. This has not been handled properly, I feel that this manager obviously needs more training and be told you can not threaten people in this line of business.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-06-2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I had an issue with my credit profile so I called customer service at Equifax, I was transferred oversea 's to a speak with one of their customer service reps. I told them that there are a few credit cards that are not reporting on my credit report. I explained to Equifax that they are the only credit bureau that those credit cards not showing up on. The customer service rep said she would take care of it. I am in the middle of getting a new mortgage when I was alerted to this mind blowing actions this customer service rep did to my credit profile. I repulled my credit report today in disbelief what that customer service rep did. She removed my current address and replaced them with XXXX addresses that do n't belong to me, she added a tax lien tradeline on my credit report that does n't belong to me. She basically destroyed my credit rating in a single day. I want my credit profile back that I had several days ago. I am about to blow the top of my lid off and file a lawsuit against Equifax if this is n't taken care of ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with EQUIFAX, INC. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX place a lien amount of XXXX owe to do for tax year XX/XX/2010. I was told that they never received my state XXXX. After submitting the information requested. It show that a refund was owe to me instead of me owing them. I have tried several times to have this remove from crediting reporting agency Equifax but no success. All other credit reporting agency has removed this information. I requesting that this information be removed because it was not accurate in the first place. Stating paid in full is not a true statement. When I did not pay anything because the owe me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Debt collection (Medical) with AVANTE (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Avantes USA opened a claim on my credit report on XX/XX/XXXX ; whereas the original debt was XX/XX/XXXX. Per law you can not open a new claim on my credit report for an old debt as if it was new. 
XXXX XXXX did not notify me within 141 to 181 days from the first time I defaulted on my so call payment for which I never received a letter for nor my right to dispute the debt. Further by opening this new claim on my report Avantes USA acts as if this debt was contracted XX/XX/XXXX, thereby inaccurately reporting the " original time the debt was actually defaulted on ''. Keep in mind XXXX XXXX waited 6 years to turn my account to collection and did not report anything on my credit for that 6 years as well.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Debt collection (I do not know) with GFS, Inc. (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I even have on my greeting that if it is a solicitation to remove me from whatever list, yet I continue to get a call from them AT LEAST once a day, sometimes several times per day. They never leave a message.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Debt collection (Other debt) with Helvey & Associates (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter from Helvey & Associates , Inc. for an alleged debt that I do not owe. When I called Helvey & Associates they were rude and hostile towards me in flagrant violation of the Fair Debt Collections Practices Act. I do not want any further communication from Helvey & Associates in any form. I do not owe them any alleged debt. They have flagrantly violated the Fair Debt Collections Practices Act with their abusive and hostile debt collection practices.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Debt collection (Medical debt) with Grant & Weber (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Third ParyCollection Agent requested {$250.00} dollars when the original amount is {$190.00} and also attempted to make me pay {$43.00} for another account with the original amount of {$27.00} and was past the statue of limitations.

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 08-07-2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (DC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: i lived at XXXX XXXX XXXX - XXXX XXXX XXXX XXXX Md XXXX.in 2015. In XX/XX/XXXX i asked for a different unit as i did not get the unit i was shown. XXXX the property manager told me i was free to leave.Then on XX/XX/XXXX they sued to evict me for nonpayment of rent. It was thrown out. I left in XX/XX/XXXX. XXXX XXXX the owner of the building represented them in court.
i received no notice of case being filed against me The rent was {$1700.00}. NOw the debt collector is demanding XXXX. I have no idea how they came to that figure. They started calling my daughter thi s XX/XX/XXXXand i found their address..
The debt collector is Hunter Warfield XXXX XXXX XXXX XXXX XXXX, Fla.XXXX. i contacted a lawyer have not heard anything so far. they have ruined my credit and i have no way to handle this

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX none of theses accounts have validated the account to belong to me. XXXX have removed theses accounts from there Credit Reporting profile they investigated that the account were not mine

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 08/23/2016 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have been contacted by phone and in writing XXXX XXXX/XXXX/XXXX XXXX by Optimum Outcomes, Inc. I wrote them via certified letter in XXXX XXXX, showing that my insurance company paid a medical bill to XXXX XXXX XXXX and to not contact me anymore or show that the debt is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Fraud or scam

Complaint: Hi, My name is XXXX XXXX and I 've already contacted you regarding this matter. Amount of {$120.00} supposed to come to my bank account through the Quick Pay XXXX. However, it came to the different account with my old name XXXX XXXX. Please look into it deeply and do n't rush to say that you do n't see this transaction on my account. Of course, you wo n't see it, as I 've mentioned before I 've never received the money. 
If any questions call me at XXXX. 
Would love to get you help on this matter.

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 04-10-2016 about Debt collection (Medical) with GOLD KEY CREDIT, INC. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i got hurt on my job and my employer took me to the doctor, then a year later a collection agency popped up on my credit report saying that i owe almost XXXX dollars, they didnt even call me or my employer to try to discuss or send any letters to let us know that workers comp hadnt or had paid, now when i try to validate they send me just some paper with my name on it and what i owe for.i ask why the didnt call me or my job or send any letters they say they didnt have contact info

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan servicing is my Mortgage agency and I have been mortgage transaction with them for the past.5 years After being with them for 5 years, they sent me a note and a phone call 2-3 months ago to tell me that I no longer have escrow insurance with no reason. ( Please note : I automatically direct payment from my bank monthly. ) XXXX too is my insurance agent through XXXX. My problem is around 2-3 months ago I received a letter from them stating that I do n't have escrow insuruance for no reason. I became scared so I contacted XXXX insurance co. After a long XXXX conversation with XXXX agent, Ocwen agent and myself, I was told to write an authorized to them to installed back my escrow insurance thinking that everything has been solved. Since then almost every two weeks or so Ocwen co calls to harass me with this case. XXXX times when I call to inquire we go through the same routine and spend almost 3 hours with them, trying to solve this problem even after talking to their manager and they promising to resolve this problem. Also when I talk to Ocwen with my problem, I get people with XXXX thick accent which I can not understand them. Thanks XXXX that I have XXXX agent with me who understands them and helps me all along. 
All I want them to do is to do XXXX payment including my mortgage and escrow insurance all in XXXX that I have been doing all along for the past 5 years. Frankly Ocwen is a very bad company, they are causing me a lot of sleepless night and I am recovering from XXXX and I do n't want this to cause me a XXXX as well.

Company response to consumer: Closed with explanation