milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (FL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Contacted representatives of the company via telephone and emails several times inXX/XX/XXXX and XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane XXXX. However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXX on my credit card accounts.

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 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (PA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: On XX/XX/XXXX, 2017 my credit was ran through SageStream, which I have never heard of. Said my score was XXXX? My XXXX score is XXXX and XXXX is in the low XXXX, seems a little strange. So when you call to get a report from SageStream it directs you to their website. Website directs you to call or send a fax to a phone number and include a ssn and other personal information. I called again and tried to speak with someone, pressed one, and got put straight into an automated voicemail. Something is very wrong here. For two credit reporting agencies to be about the same on scores and this one to be so much different and unable to be contacted without faxing in personal information. Something doesnt seem right.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Debt collection (Medical debt) with RS Clark and Associates, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Hello I called are Clark and associates and spoke with a Supervisor by the name of XXXX XXXX and she told me who I owed, how much and advised me she can do a pay for delete. I advised her ok Ill call back tomorrow to pay the balance due she said ok. On Tuesday XX/XX/2018 she called and left me a voicemail XXXX. She then called me back on Tuesday 5 minutes later and then 2 hours later she called again. On Thursday she called me at XXXX and my daughter answered and she said XXXX and my daughter advised her my mom is busy she started laughing and said ok and hung up. I think her tactics are harassing Im willing to pay my bill but not when she is being harassing. I have the voicemail and call records and the call recorded when she spoke to my daughter. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Mortgage (Home equity loan or line of credit) with Ladera Lending, Inc (CA).
Issue: Credit decision / Underwriting

Complaint: I applied for a loan about XXXX days ago with Ladera Lending and I have been given the runaround about trying to get it processed. I am told that it 's still in underwriting and we are still waiting for a response. I have been waiting for underwriting for about 2 months now and it 's long overdue. They kept promising dates of estimated closing times which never happened and I feel like they are just wasting my time or playing games with me as a consumer. They state that it has been reassigned to another underwriting and that management has gotten involved but nothing is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Account Liquidation Services Inc. (ND).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Back in XXXX my home was XXXX and checks were stolen. Fraudulent checks were written and are now reporting on my credit report. There are a total of XXXX checks reporting. The collection agency is Account Liquidation Services. I have provided them with forgery paperwork. All XXXX accounts are still reporting on my credit report and my credit score is being impacted by this. I am requesting that the accounts be removed from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-11-2017 about Credit card () with WELLS FARGO & COMPANY (MN).
Issue: Customer service / Customer relations

Complaint: I applied for and received a credit card through Wells Fargo Bank. A promotional offer with the card paid a {$100.00} bonus after spending " X dollars '' ( I do not recall the exact amount ) in a 3 month period. I achieved this level of spending yet did not receive my {$100.00} bonus. I contacted Wells Fargo regarding this matter and was told there was a " glitch in their system '' ( words used by Wells Fargo XXXX and that my {$100.00} would be paid the next month. This happened for several months in a row until someone at Wells Fargo manually made the adjustment and paid me the {$100.00} they owed me. XXXX of the Wells Fargo agents told me that it was good that I had called and pursued this matter because the {$100.00} would have never been paid and would have rolled forward to following month " forever '', due to the " glitch in their system ''. 

I fear that other customers may also be owed a payment by Wells Fargo, but will not receive their money because they are not as persistent as I have been. 

After I received my {$100.00} from Wells Fargo, I requested compensation for the time and effort I had to dedicate to correcting this matter. I made numerous phone calls to Wells Fargo over the course of several months to settle this matter. My case was elevated to the Wells Fargo Corporate Office and I was assigned a XXXX and a Case Number. This department ( and my XXXX XXXX ) ignored over XXXX phone calls and voice mail messages from me. Only after leaving messages in general voice mail box did someone other than my XXXX XXXX call me back. 

I am still requesting compensation for my time and effort to correct a problem created by Wells Fargo. Wells Fargo refuses to do so. 

I will close by adding that I have been a banking customer with Wells Fargo for nearly XXXX years ( with substantial deposits ) and have had a generally positive experience with the organization, until now.

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 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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 called Equifax on XX/XX/2017, I spoke to representative XXXX, I explained to her that I have disputed two incorrectly reported tax liens. I tried to inform the agent these two liens ID # XXXX and ID # XXXX should not be listed on my report, they have been withdrawn. I called out to the number listed on my credit reports, and was told by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX that they did not report this information to the credit bureaus. The representative XXXX was very rude and stated that she was not going to remove this item nor re-dispute it. I asked her if she could provide me with the name and contact information for the company that they are receiving the information from and she stated that she did not know who they received the information from and was unwilling to assist me. I asked her if I could speak to a supervisor and sh stated that the supervisor was going to tell me the same thing. I asked her again to speak to a supervisor and she stated that the supervisor was busy and that I will need to call back or leave a message. I have been disputing these two liens for the last seven months, and have yet to receive any information on how this is being validated and who is reporting this information, being that both courthouses stated that they did not report this information to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NJ).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I received a message and a call from American Express and was advised that me account was past due even though I set up automatic payments. I was advised that the late fee would be removed however it would come off of my balance and not the minimum due. Customer service was horrible and the fact that this company was not willing to assist in changing the minimum fee is not acceptable. I should not have been charged a late fee at all.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BMO HARRIS BANK NATIONAL ASSOCIATION (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Issue # 1 : This account was involved in a foreclosure that occurred in XX/XX/2011. We surrendered the property to the bank, which resolved any balance owed. This account still reports a balance of {$80000.00} on our credit report, but it should report as {$0.00} owed. 

Issue # 2 : This account is also reporting that we are actively 120 days past due. Once again, we surrendered possession of the property, associated with this account, back to the bank in XX/XX/2011. The account was obviously closed at that time. Despite that, BMO Harris has continued to report this account as continuously 120-days delinquent for 7 years now. The account should report as a charged-off collection as of 2011. 

Issue # 3 : It is my understanding that a creditor can only report negative information about an account for seven years according to the Fair Credit Reporting Act. From what I can see, this account has exceeded that standard. Simply put : We question the validity of this account still appearing on our credit report at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: men 's warehouse charged me for items that i did not purchase causing my limit and rates to go up causing harm on my credit report cra violation tried to fix it with XXXX XXXX XXXX the worse customer service and i return the whole item manager refuse to take the return b/c they tore the suit so we let all the items thee and did not walk out of the store with any mens warehouse items

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 01-11-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: TransUnion ( TU ) is NOT providing electronic copies of credit reports via www.annualcreditreport.com. XXXX & XXXX process reqeusts correctly & generate immediate electronic credit reports. TU generates an error message. If customers submit email documenting error to www.annualcreditreport.com, TU claims to mail a paper copy to customer, but is NOT willing to make requested electronic version available. I do not want a paper copy, as I want an electronic report for my records. 

Please advise whether CFPB is able to force TU to provide requested electronic report, as I believe is intended by www.annualcreditreport.com. 

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 10/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: My credit report currently shows a collection account from XXXX in the amount of {$3400.00}. The account was disputed and deleted as result of the dispute. The account was added back to all 3 credit reports on or around XX/XX/2017 and the credit bureau failed to notify me within the 5 business days following the unverified account being reinserted as they are supposed to as instructed by the Fair Credit Reporting Act section 611. I have referenced the law as it pertains to matters of this kind below.

FCRA Section 611 ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer. If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 

( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Credit card () with SYNCHRONY FINANCIAL (VA).
Issue: Credit line increase/decrease

Complaint: Synchrony Bank single handedly made my credit score plunge BY cutting my credit limit and causing my cards to appear at XXXX % utilization rate. I have XXXX credit cards ( lowes, walmart, amazon, tjmax- score lowered and XXXX closed ) with this bank and it is no question that they cause me great harm. My score dropped so low, I was denied a mortgage because of their malicious credit practices that are truly unfair to the consumer. I have never been late on any payments and have always paid as agreed. Please investigate their malicious practices. If I could sue them, I WOULD and have placed a formal dispute with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (IN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: ALL CREDIT REPORTING COMPANIES MUST CEASE ALL CREDIT INFO OM ME UNDER THE F.C.R.A. 15 USC 1681a ( g ).

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 07/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: I HAVE MULTIPLE INQUIRES ON MY CREDIT REPORTS. I HAVE SENT MULTIPLE LETTERS DEMANDING EVIDENCE THAT I HAVE AUTHORIZED SUCH INQUIRIES AS THEY ARE DAMAGING TO MY FINANCIAL REPUTATION. MY SOCIAL SECURITY NUMBER IS POSTED ONLINE FROM A COMPUTER HACK OF THE MISSOURI XXXX WEBSITE XX/XX/2011.

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 05/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX apartments XXXX XXXX Texas - Sent XXXX different amounts within a month, none of them in regards to my contract - made accusations that are not true

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: They are constantly call on my home phone & cell phone XXXX times a day even onSunday. 
They are also send mail to my renter, and my home owner insurance companyThey are saying that I am XXXX payments behind.

Company response to consumer: Closed
Consumer complaint received 03-02-2018 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: Account status incorrect

Complaint: I went to a trade school in XXXX the school was called Career colleges of XXXX in XXXX XXXX CA, got shut down while I was taking my course and the school closed due to fraud, I already submitted a paper work to Navient stating the school was shut down. I have been in differed status with my student loans since XXXX and in XXXX for some reason the student loan reported on my credit file as late in XXXX and XXXX of XXXX. That is hurting my credit score the department of education from XXXX stated they were going to remove the late payment history to show as current and they still have not done anything.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I was a customer for many years. 
We have cottage at XXXX Ohio. We open it up in XX/XX/XXXX And close it in XX/XX/XXXX. In late XX/XX/XXXX I Packed the equipment and sent it back. I call XXXX and said we were done for the year. They continued to bill us until XX/XX/XXXX. I tried to fight it but they would n't agree. I do n't owe these extra charges.

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 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GOLD KEY CREDIT, INC. (GA).
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 filed BANKRUPTCY  XXXX  the creditors was properly notified from my attorney and also  XXXX  and   XXXX   notified them I have documented emails from all  XXXX  parties, these creditors are still on my credit, they should have been removed

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 04/27/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (HI).
Issue: Struggling to pay mortgage

Complaint: I have submitted this before and the Bank of Am erica Response ne ver address the issue.     Bank of America practiced " deceptive lending ''. They offered mortgage modification help to homeowners then kept asking for paper work like it was a numbers issue. They did turn is down in the beginning but then went on to say we could reapply. Then for the next 7 years asked us for more and more resubmissions, and paperwork. We updated bank statements, profit and loss statements, income. All the while we found out 6 years later they had no intention to modify.   They have never addressed this. I had to ask the rep face to face " were you ever going to modify? have you ever modified " she said " no ''.   This is not what the bank is they are there supposed to be there to help us.   Full disclosure and honesty.   we originally applied  XXXX   XXXX  . 1st d enial with the advice to reapply summer of  XXXX .   Bank of America put in foreclos ure  XX/XX/XXXX - XX/XX/XXXX . Ta ken out of foreclosure and more than 6 years later told no modification. They led us to believe that they were working on it. It was always at the desk of some being worked on. We showed up for meetings that no one was there for. It has been 7 years of deceit. We have tried HAMP but if you are more than 1 year behind in payments you are not qualified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (AZ).
Issue: Other transaction issues

Complaint: Venmo refuses to provide me access to my funds unless I send personal information over email. 

I recently changed my telephone number, and the only way this company says they can verify the account is if I send them a photo of my identification via email. Per the FTC, email is not a safe way to transmit personal information, and Venmo has refused to provide any other means to verify. I asked if I could fax, call, use a webform, perform an email verification or other way to verify, and they refuse. As a result, I do not have access to the money sent to me.

Company response to consumer: Closed with explanation