milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/29/2015 about Debt collection (Payday loan) with Pinnacle Asset Management, LLC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The company that has called me is Pinnacle Asset Management. They have stated that I owe a debt for a payday loan. However, I have never taken out a payday loan with the company that they are claiming they represent. When I asked for evidence that the debt is valid they refused and only stated that I have had a letter sent to my home. I have not received any such letter nor have I received an email which they also claim they sent. When I contacted the rep to request that they validate the debt with either the original contact information of the creditor or by providing me with documentation showing that I signed off the " loan '' they refused to comply and stated that they did n't have to do that since they were the mediator. The rep name XXXX then proceeded to insult me by calling me professional debtor. He then pulled up my linked in account and proceeded to read off the information on my linked in account and threatened to contact the people in my list by telling them that I was a professional debtor. He then hung up on me and would not pick up my calls afterward. Another rep was calling my mother and other friends and family.

Company response to consumer: Untimely response
Consumer complaint received 05-05-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have tried for many years to get my credit reports from XXXX. Tried online and also phone and paper. No reports. Once, Experian did send a report, and I got some XXXX information through an insurance company. Those exceptions aside, my requests go nowhere. Our banks other financial institutions all advise checking credit reports frequently, at least annually. But XXXX 's failure to provide that service and, more important, failure to provide any reason for NOT providing it, is most frustrating. 
. 
We ( wife and I ) believe we have excellent credit, probably close to XXXX. We do n't need more credit, but we do need to check our credit reports for accuracy. That 's all we want. 
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I spent this evening trying unsuccessfully to fill out XXXX Contact form. Again and again, I composed a detailed and clear statement and request for help, only to be dropped out of the form with several ( XXXX ) different errors that did n't happen. No help there. 
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I want to know what the problem is. Is there something wrong with our accounts? Do we need to be concerned about possible identity theft? 

I did not fill out another request in recent years. It 's clear what will happen : nothing. 

Can you help? 
XXXX. XXXX From XX/XX/XXXX to XX/XX/XXXX : 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 non-monetary relief
Consumer complaint received 10/23/2015 about Bank account or service (Checking account) with Empowerment Ventures, LLC (FL).
Issue: Problems caused by my funds being low

Complaint: Ive had my rush card since XXXX. The company decided to do a massive update on Monday XXXX advising we would not have access to our accounts until XXXX. then put out another notice saying our accounts will not accessed until noon that day, luckily they stayed true to their word and I was able to access my money and get to make it home that night. moving on as the days went on I noticed a lot of pending items on my transaction history and I was missing over XXXX and not able to pay my car payment or car insurance or light bill. ive tried to contact the company via phone and through twitter with an automated response sayin someone from the company would contact me. that was a week ago and I have yet to hear from anyone. ive literally paid my money to this company for 6 years. that is XXXX in MEMBER FEES over the past 6 years and I am missing money to pay my bills. its insane because the COMPANY OWNER Himself is abillionaire. its just sad. he can more than afford to issue ADDITIONAL refunds to all the accounts affected PLUS the money that is owed to them. ive had to stop my direct deposit and figure out how to cash my upcoming paycheck. you have the money and resources to fix the issue. get it done. I have a credit union as well but I Loved the convenience of getting paid early and with my family living so far away from me green dot access cards were great for when my mom wanted to send extra money. now I do n't know what to do and the company could care less. no one has reached out to me and I need a resolution. now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/25/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (AL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I purchased a XXXX XXXX Watch at XXXX XXXX XXXX store in XX/XX/XXXX in XXXX for {$710.00}. The sales person sold it to me with the promise of a promotional-six months to pay with NO interest. I agreed and the credit card was approved for {$7000.00} ( with misspelled name XXXX ). I knew I would be out of town for the next month of XX/XX/XXXXso I PAID {$100.00} on the account on XX/XX/XXXX to ensure that I would have a reduced balance and no late fees or interest! The billing cycle did not acknowledge my " EARLY '' payment of {$100.00}, but wanted {$27.00}. So I paid the account in FULL by the END of XX/XX/XXXX ( or first week of XX/XX/XXXX ), but I refused to pay the LATE Fee that XXXX XXXX applied. How could I have been late when I PAID ( online ) {$100.00} in advance to ensure I would not be late? It is ridiculous and usury. I paid XXXX on XX/XX/XXXX and on XX/XX/XXXX I paid the balance of {$610.00}. They did not HONOR the agreement or their promotion. I believe the LATE fee is wrong and they refused to correct it. they told me that my EARLY payment was too early to be considered payment for XX/XX/XXXX, that is RIDICULOUS.  they are committing FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Settlement process and costs

Complaint: I recently received documents from Wells Fargo, Dated XXXX XXXX, 2015 which suggest that my investment property will be refinanced, however, I did not apply for a refinance or authorize Wells Fargo to do this on my behalf. There is also an internal email correspondence that was inadvertently included in my package, which is telling Wells Fargo employees that I am waiting for these documents and working with the Office of the President to refinance my loan. This is a lie. I would like this to be investigated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Debt collection (Other debt) with ERC (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: ERC has informed me that they are handling a collection account for XXXX. The issue is that the date this debt became delinquent was before XXXX and they are reporting it now as a XXXX debt so that it will age current and affect my credit for longer than legally required. What they are reporting is false and XXXX is required to furnish truthful information and so is ERC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Debt collection (Credit card) with BARCLAYS BANK DELAWARE (NH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: the debt was paid to XXXX agency, but another agency is trying to collect it now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am getting letters from Enhanced Recovery Company saying I owe {$86000.00} to XXXX. I am now getting phone calls about this. I have never had XXXX and it 's not anywhere in my area.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2016 about Debt collection (Payday loan) with Critical Resolution Mediation LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I continue to receive calls from these lowlifes. They are trying to collect a debt with an unlicensed lender, XXXX XXXX that was discharged in my bankruptcy XX/XX/2015 they call my former roommate, call all hours threatening to have my wages garnished, call my employer etc. completely unethical! there are several complaints on various consumer websites. I filed a complaint in GA where they are based, it was a waste of time, they are using a new phone number to harass me as well

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
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: XXXX XXXX has been reporting an unverified account to two of my consumer credit reports XXXX and Equifax. I have requested that he information being reported is investigated properly with no avail except for a response of " verified ''. I have specifically asked in several documented and tracked letters for both companies to provide me with the avenues taken that gives them the legally right to report this account to my credit report and have yet to receive an appropriate answer. I have never received notification from said company verbally or written. I have also advised both companies that the electronic system used to supposedly verify items is not sufficient enough as anyone especially a third party paying for their service could easily fax, mail, or email over fraudulent information. It is my right according to the FCRA to have this properly and completely verified and my request to be taken seriously as it is my credit reputation and tarnishing of my good name that is at stake. Not to mention both companies as taken over the thirty days in which to respond to said disputes primarily their method of verification which only gives them 15 days to comply/respond to request. On these grounds alone I am requesting that this account be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (WA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Today XX/XX/2017 I just received in the mail ( XXXX ) an seattlement offer letter from navient that was dated XX/XX/2017. The offer states that it is a payment plan however it says that I must have it paid in full electronically directly to navient no later than XX/XX/2017. Not only did I not recieve the offer until a month after they dated it, navient did not give me appropriate time to respond let alone actually work with the company to reach a settlement in which I could send them the funds. According to the letter, I need to pay the amount in full immediately, but the offer was significantly higher than they offered me or my cosigner over the phone, just days ago. The offer also had incorrect financial data ( compared to their own website ) The offer states that if I did not accept their offer and pay immediately, I will be held to the total amount due of all my student loans, the number that they provided includes federal loans which are not in default at all. There numbers also take into account what they estimate how much I will owe navient. Not a current balance ( including interest and fees in advance ). In addition this settlment offer does not cover which loans, what type of loans, if there will be any additional fees etc. 
I feel as if this is act of retailation to my last complants I filed w cfpb. I filed simular complants w cfpb in reguards to over charging my account, not correctly reporting payments, not listing payments made ect. In which I have yet to recieve any resolution or communication from navient about. 
I plan to call them back tomorrow and and request 2 weeks which the law allows to review the offer. I am very frustrated and concerned by the fact that this seems like another illegal attempt by navient to illegally hurt, intensionally mislead, and damage the life and wellbeing of student, cosigners and borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Radius Global Solutions LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX University signed me up for classes without my knowledge. I was under the impression that I was waiting on a student loan to be approved. I had told them this. When the loan finally went through, I emailed them to register for classes. They never responded. 

They sent me to collections for tuition never paid for the classes they registered me for without my knowledge. I told the collections company that I had never registered and provided them with my correspondence that was never addressed. They acknowledged the error and told me they 'd tell the original creditor. I thought it was resolved. 

Today, three months after talking to them and providing proof the debt was not legitimate, I found out they have been reporting this to the credit bureaus.

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 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX To Whom it May Concern : Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The following inquiries are related to none of the aforementioned permissible purposes. XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL 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 06/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My ex husband opened an XXXX XXXX account 12-15 years ago. While married I was on the account as a authorized user. We have been divorced for 12 years. Shortly after the divorce he took me off as a user. I have asked him for years to make sure I was taken off because still to this day his balance on that credit card shows on as my debt on my credit report. I have attempted to call the company and its very difficult to speak to a person because obviously I have no account information because we have been divorced for 12 years and live in different states. I finally spoke to a person and they said I had to submit in writing, which I did. After a few months of not hearing a response I called back and was told I was not any where on the account but if my concern was the reporting to my credit report than the account would have to be paid off in full and my ex husband would have to open another account. This {$10000.00} debt has hindered my credit score and my ability to buy a house for years and I am feeling like I am out of options for getting anything done through XXXX XXXX. Any help on this matter would be appreciated.

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 05-11-2016 about Credit card () with BARCLAYS BANK DELAWARE (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I received Fraud alert from XXXX stating I had a delinquent account. I pulled my credit report to see a Barclays credit card that I never applied for. I immediately called Barclays who stated it was clearly fraud since they had my wrong address and date of birth. I also immediately notified all three credit bureaus. I just got a call from Barclays stating that their investigation revealed the account was mine because it was used to transfer balances from a XXXX account in my name. I HAVE NEVER had a XXXX account. They gave me the XXXX account number in question and XXXX has confirmed that this account has never been in my name nor have they EVER had an account in my name. Barclays has been completely negligent in allowing this account to be opened in my name without even verifying my current address or date of birth and are now causing me undue XXXX with their lies and incompetent investigating. A simple credit report proves I have never had a XXXX account.

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 09/28/2016 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: This has to do with EQUIFAX, In the past week Iv'e called Equifax at least 3 times now in regards to Credit Fraud ( INQUIRES ) on my credit report. Everytime I call there they keep transferring me to somebody different to talk to in the the Special Handling Department!!!!! to handle my complaint which still has n't been taken care of as of toDAY .... All 3 times EQUIFAX!!!!! said that THEY would do their investigation on my Fraud INQUIRES my investigations all XXXX would be closed out in a couple of days. ACCORDING TO THE ( FCRA ) SECTION 611. WHAT EQUIFAX DID TO ME IS ILLEGAL!!!!!! THE FCRA SECTION 611 STATES " if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, CONDUCT A RESONONABLE INVESTIGATIGATION TO DETERMINE WHETHER THE DISPUTED INFORMATION INFORMATION IS ACCURATE AND RECORD THE CURRENT STATUS OF THE DISPUTED INFORMATION, OR DELETE THE ITEM FROM THE FILE IN ACCORDANCE WITH PARAGRAPH ( XXXX ), BEFORE THE END OF THE 30-DAY PERIOD BEGINNING ON THE DATE ON WHICH THE AGENCY RECIEVES THE NOTICE OF THE DISPUTE FROM THE CONSUMER OR RESELLER ''. In other words, when you make a dispute, they EQUIFAX MUST!!!! investigate it free of charge within 30 days that 's 30 DAYS $ $ $ $ $ or delete the items. If they do n't have proof of their validation, they EQUIFAX have to FIX the problem ... ... ... ... .... 
FRAUD INQUIRES THAT NEED TO BE DELETED 1. XXXX BANK 2. XXXX XXXX XXXX 3. INFORMATIVE RESEARCH BANK OF CALIFORNIA XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX CU 6. XXXX XXXX CC ( XXXX ) 7. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I just received a copy of my credit report. An agency entitled XXXX XXXX XXXX  located at XXXX XXXX XXXX, XXXX Michigan did an inquiry on XXXX16 resulting in a lower credit score. I did not apply for credit. 

XXXX searched out and placed a lien release on my credit record and refuses to remove. This lien was paid in full. 

Transunion searched out and placed a lien release on my credit record and refuses to remove. This lien was paid in full. The state of Oklahoma does not file liens with the three agencies. 

XXXX did remove the lien off my credit report. I want XXXX and Transunion to do the same. I want XXXX investigation as to why they pulled my credit report.

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 03-05-2017 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: Last XX/XX/2017 I went to Bank of America in XXXX California around XXXX to in cash my check. The teller put my cash ( {$600.00} ) money in an envelope. As she handed to me my cash she asked what else can she do, so I asked her to check my balance. Out of my mind I forgot my cash ( envelope ) in the counter. I went to my safety box and when I 'm about to look for my cash in my bag nothing. So I went out to the teller and asked her if she saw any envelope no help. I went to the manager if she can help me, to view the cameras. But still no help. She even told me if I 'm accusing the teller, I just want her to help me. She told me to file a police report to view the camera. So I went to the police and ask me what happen. He told me You are still in their premises. Still their responsibility. But if you want file on line. So I went back to the bank and told the manager that I 'm still in your premises but no luck or help. I still filed a police report. I 'm just concern being a customer and are safety inside their premises. The way the manager attitude toward me is no help 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