milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credence Resource Management, LLC (GA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Credence Resource Management has called me repeatedly at my place of employment after I have asked them to remove my work number from their call database. The representative continues to try to talk to me and sometimes escalate their voice trying to talk over me. 

In addition, the representative asks me to confirm personal information prior to disclosing the company in which they are calling from and about. 


Not only is this annoying, it seems to be a violation of my rights.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/26/2017 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Billing disputes

Complaint: I have a Lowes Credit Card, managed by Synchrony Bank. Account # XXXX. When I made my purchases at Lowes I was not tgold there was another company involved. I was in a XXXX accident XXXX XXXX XXXX. Since that time until this week, I have been in a XXXX and an inpatient in a XXXX XXXX Hospital, XXXX XXXX, XXXXXXXX. I am a XXXX Resident. On XXXX XXXX XXXX my father called the credit XXXXcard comopany, and after I authorized him to speak on my behalf, attempted to pay off the balance of the principle, and asked for an accomodation, forgiving the interest of {$1000.00}, on a bakance of {$3500.00}. We were transferred to 6 diffenent offices, and after 1 hour 15 minutes hung up on. This is a dedceptive practice. My father was doing the talking and is helping write this complaint. I want gto pooay off the principle balance, and cancell ghe card, they will not cooperate.

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 monetary relief
Consumer complaint received 11/28/2016 about Mortgage (FHA mortgage) with Stearns Ventures, LLC (NJ).
Issue: Application, originator, mortgage broker

Complaint: I refinance my house 2 months ago and I did n't receive my escrows back from Sterns Lending 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 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Sierra Holdings LLC (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XX/XX/XXXX I financed a blackXX/XX/XXXX XXXX XXXX through Sierra Auto Finance InXX/XX/XXXX, my car was wrecked. After my car was being repaired, I was waiting for rental car reimbursement from insurance company ; the repair shop placed a mechanic lien on the vehicle. During the time, I was waiting for reimbursement from insurance company, I was still making payments to Sierra Auto Finance so I did not think it was an issue. Once I received reimbursement check I went to pick up my car & was told it was picked up by dealership after mechanic lien. I called Sierra Auto Finance to get my car and pay for repair expense, I spoke with someone named XXXX & was told that he did n't know exactly where my car was because it was on it 's way to an auction ; he would try to locate it & call me back. I never heard anything from anyone @ Sierra Auto Finance ever again. I never received anything in the mail via USPS regular mail nor certified letter notifying me of anything such as a deficiency balance letter, Notice of Sale & Right to Redeem, Reinstate Information for Repossession Agency, Notice of Seizure/Inventory List Vehicle Condition Report Proceeds or Sale documentation. Initially it was listed as a repossession on my XXXX  credit report, after I disputed the information it was changed to a charge off with a balance of {$XXXX}. XXXX and XXXX are still reporting repossession. I have requested validation through all 3 credit bureaus without resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I reported a re-investigation for inaccuracies on XXXX accounts reported by EQUIFAX ( XXXX ). I never received this report from EQUIFAX and it is well beyond the 30 day time line. EQUIFAX started their investigation on XXXX/XXXX/XXXX and said report the XXXX was completed XXXX/XXXX/XXXX but I never received it. I called in to inquire about the status after waiting 45 days and the Customer Service Rep said she would mail out the results, which never came. I mailed a follow letter asking about the status of XXXX with a follow up investigation report. On XXXX/XXXX/XXXX Equifax opened up XXXX new dispute cases XXXX and XXXX. The dispute XXXX was completed XXXX/XXXX/XXXX and was not resolved with any resolution on information on where and how they received verification. The dispute XXXX was completed XXXX/XXXX/XXXX with no resolve or update. I did not request XXXX more separate disputes. I wanted the results to XXXX. 

Please assist me with what steps I can take to follow up on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
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: Hello I attempted on several occasions to fix the errors on my report! I work extremely hard to pay my bills and also to keep good credit! I can not get a mortgage with XXXX XXXX because of these accounts that do not belong to me! I have submitted and am desperately seeking a resolution, please see the following accounts that do not belong to me! XXXX XXXX XXXX, XXXX XXXX ( XXXX ), XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX  XXXX. All of these accounts have been sent in to all three credit reporting agencies and have been notified that they are no mine! Please Remove them inorder for me to obtain my life back!

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 08/20/2015 about Debt collection (Payday loan) with Advance America, Cash Advance Centers, Inc. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Last year I made the mistake of taking a loan with Advance America. I contacted them repeatedly on trouble with paying it back and trying to resolve with a payoff program. 
I committed to paying back the loan XXXX at a time at which point they tried to debit XXXX from my account immediately. I immediately changed my card an bank account number to keep my funds so I could feed my family and pay essential bills. 
They called back threatening a civil suit unless I made another arrangement. They also threatened to have " personal '' collector come to my residence to collect. A practice I thought long gone and illegal. They were very vague and argumentative as most collection agencies are. 

I made the arrangement today XXXX/XXXX/2015 at XXXX but during the call the person repeated my Debit card number out loud in a room full of people. I know this to be illegal and it opened up my card to a variety of ways it could be used. They repeated back the number, expiration date and security code. Everything that would be needed to gain access. 

The contact person name is XXXX from XXXXXXXX from their verification department however did not divulge any of my information and limited the security questions to the last XXXX digits. 

This is very dangerous because anyone could have taken my information down. I have alerted my bank about this. I am launching this complaint to keep other consumers safe. I fully intend to pay this bill off. I do not however want random people knowing my debit card number and personal information.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Credit reporting () with SYNCHRONY FINANCIAL (CT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I applied for this card specifically for a medical/dental issue. However, they are listed on my credit report as revolving credit, not medical, which is inaccurate. The correspondence came from Synchrony bank which I did n't recognize as Care credit so I questioned the validity on the account and was therefore late on my XXXX payment. Now that I know who I am dealing with, I will be making regular payments on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Problem with fraud alerts or security freezes

Complaint: Experian allows anyone with an email address to obtain another person 's credit freeze pin. With the recent XXXX  hack, all the needed personal information is available to identity thieves. Experian MUST change this procedure and remove the email option. Pins should be mailed not emailed.

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 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Dear Sir or Madam : Re :  XXXX Confirmation # XXXX I have approached XXXX XXXX XXXX XXXX multiple times to correct the fraudulently occurred reporting by XXXX XXXX . XXXX is refusing to remove the delinquent data from my Credit File. Credit Report reflects serious delinquency, and hence, my credit rating is severely damaged, causing difficulty to get refinance done at eligible terms. 

Similar approach is done to XXXX XXXX, who already removed the said item from my credit file with them and provided a confirmation to that effect. 

Therefore, I request your intervention to rectify the situation at your earliest convenience. 

Thank you Yours sincerely 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 non-monetary relief
Consumer complaint received 11-03-2016 about Mortgage (FHA mortgage) with Specialized Loan Servicing LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: After having been discharged 7 years ago for Bankruptcy chap 7 my loan servicer does n't want to report it to the credit reporting agency. I have asked to be reinstated in form of signing or writing a letter of reinstatement but they have not acted on it. This caused me to be denied for an FHA refinance. FHA requires that I have my mortgage loan reported to the credit bureau for my situation.

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 06/26/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MD).
Issue: Managing the loan or lease

Complaint: In my follow up to a previous complaint, Iam very unhappy with their response. They are trying to remove themselves from this process yet Iam making payments to them. They suggest I contact the dealership, I guess this is where the runaround begins. I want to know who the " SCUSA '' is and if they are not affiliated with the dealership, how did they become involved in the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Debt collection (I do not know) with ERC (IN).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I never received any communication from this company that my account will be send to collection without my knowledge. Do n't even know this company.

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 06-02-2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (MD).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: I only owe on XXXX student loans. Wachovia whicj turned into wells fargo claims i owed them. For years i have disputed only on their account, asking for paperwork. Something about the loan to see if i owe. They never responded. I opened a bank account with wells fargo, no one at the bank said i owed anything with student loans. When you open account with wells fargo they claim to run your social security number to see if you have any other financial relationships with them. They didnt inform me. If they did. I wouldnt of felt comfortable opening an account with them. I had an account with wells fargo for 6-7 years. Not at anytime have they sent me a letter on the student loan. No one ever called me to collect debt. And wells fargo had my current information. I had an active account with them. Years later i fell on hard times, i XXXX, my children and i were in a shelter. I had just finally received my income tax. Wells fargo withdrew {$6000.00}. From my checking wih out any notice. I called wells fargo and complained. Again asked for proof, they stated they dont have to give me proof. I said yes you do, refund my money. The man who was supposed to be my account manager who never contacted me. Got nasty with me. Rude. Even laughed when i told him i needed my money. That i am in a shelter, i have a XXXX. I continued to ask for proof, paperwork, i dropped out of college. Maybe the school took out a loan on my behalf and kept the money. I dont know. I know i dont owe wells fargo. Only on my federal student loans which has always been in good standing. Till this day i have never got my money back. No proof, no information on the debt that i requested so many times. Even the credit bureaus erased the information because Wachovia never sent me information on the debt they claimed i owed. Plain and simple. Wells fargo/wachovia never contacted me, never provided information about the debt. And out of no where just withdrew my money at the worst time. The account manger in the student loan department got nasty with me. Rude. I asked to speak to his supervisor. She said she wasnt giving the money back. And that i need to contact the school. I did contact the school and no one got back to me. If i got a live person they would transfer me to a machine. And no one has returned my call. I still till this day have never received any information and they just stole my money from my account. I believe this was a fraudulent loan. No one provided any proof or information

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 01/15/2017 about Consumer Loan (Vehicle loan) with HARLEY DAVIDSON FINANCIAL SERVICES INC. (RI).
Issue: Problems when you are unable to pay

Complaint: Approximately in XXXX of 2016 I purchased a new Harley Davidson from a local dealership. Approximately in XXXX of 2016 I was involved in an accident which culminated in the loss of my job. I have missed a few payments, have informed Harley Financial Services ( AKA - XXXX ) about my situation and asked them to stop calling my cell phone every day with no less than 6-8 phone calls a day from various telemarketing phone numbers, recorded messages, and masked phone numbers with a ( XXXX ) area code of my home state. I have repeatedly asked the company to stop harassing me on a daily basis. The company has not ceased the excessive communications, and have now started calling me on Sundays, at all hours from XXXX XXXX to XXXX I have informed the company I am extremely willing to communicate with them and resolve the back balance owed, however I have stopped answering calls and if they do not stop will be contacting my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Customer service / Customer relations

Complaint: I called to report a lost card. Spoke to an offshore help desk. They said they would replace the card and I would get a new XXXX in the mail within 2 weeks. XXXX4 weeks later I call again. They have no idea or zero record of me calling.l, and have mailed nothing. They asked for all my info again, said they would mail a new card. The next day I received the SAME card I had lost. I had to call again and get them to send a proper NEW card which would take another two days. Almost a month from my first call. Terrible customer service and zero comprehension.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (OK).
Issue: Loan modification,collection,foreclosure

Complaint: This complaint is regarding the manner in which Bank of America has chosen to handle the short sale process. 
Complaints are as follows : ( 1 ) Not communicating with the realtor in a timely manner to ensure that documents where submitted. 
( 2 ) Repeatedly asked for multiple documents that were submitted on a number of occasions. 
( 3 ) Frequently lost documents that were faxed multiple times and then when stated by Bank of America that they received it they were not legible or not in the correct format, so either documents were refaxed or reloaded into the equator system on several occasions. 
( 4 ) The phone number to the assigned short sale representative, when contacted is usually disconnected or out of service. 
( 5 ) Failing to respond or return phone calls and voicemail messages from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the short sale specialist XXXX XXXX XXXX ) XXXX ext. XXXX. 
( 6 XXXX Frequent phone disconnections. 
( 7 ) Failure of delivery of timely and acute information regarding the short sale application/process, for example the amount of the appraisal. 
( 8 ) Submitting an offer and the sale date was not postponed. 
These are a few of the many concerns/complaints regarding the loan. 
According to Bank of America records I, current owe more than what the property is worth and after several attempts to receive a loan modification I decided in order to prevent a foreclosure that a short sale was my best option. However in any application that is submitted to Bank of America regarding a loan modification or short sale, I feel that Bank of America is not giving the opportunity to rectify the situation with an active offer on the property. 
Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: The following addresses do not belong to me. When I disputed with the bureaus they would not remove from my profile stating they are attached to account on my report which they should n't be because I have never lived there as well as they are XXXX XXXX addresses XXXX XXXX XXXX XXXX WV  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX WV XXXX XXXX XXXX XXXX XXXX WV 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 non-monetary relief
Consumer complaint received 05-10-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have written to XXXX XXXX XXXX account XXXX multiple time requesting for validation and have not received any. 

XXXX XXXX have written to Experian multiple times concerning the lack of validation on this account. 
XXXX XXXX have asked Experian to remove the allege account from my credit file for the lack of validation from XXXX XXXX XXXX, and all I get from Experian are that they are performing research and get a repetitive automatic responses, with no validation as alleged that they verified it. This happened every time I wrote to Experian, they repeated the act of doing research which ended up nowhere. I never received any validation from Experian nor the collection agency. 

This is in violation of the FCRA. The Collector failed to validate this allegation, and Experian is not removing this negative remark from my credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with EVERGREEN PROFESSIONAL RECOVERIES, INC. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A vehicle that I previously owned was taken into impound. I have shared the report of sale from Washington state, and the name and contact information of the buyer with the credit agency, yet they refuse to remove this from my record. It is seriously affecting my once stellar credit rating, costing me time and money in my real estate transactions.

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 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: In XX/XX/XXXX, I disputed with all three credit bureaus inaccurate inquiries on my credit report. XXXX advised me to reach out to the companies in regards to these car loan dealership finance dept in regard to these unauthorized inquiries. After speaking with XXXX XXXX XXXX about this type of inquiry they advise me to contact the dealership finance dept to retrack these reporting activities because the third party does n't have control of this reporting activity. I contact rhe dealership finance dept and the finance stated he did n't know how to request deletion from the bureaus. OnXX/XX/XXXX, I spoke to a saleman at a XXXX dealership and advise him that I was interested in leasing with XXXX ; therefore, I DO N'T want my credit pulled by no other companies, he advised me it would n't since all leases are done by XXXX. On XX/XX/XXXX, I was contacted by XXXX that I could be approved for year end close out lease option that would be less expensive. To say the lease the dealership outsource my data without my permission.

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