milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Plus Inc (WI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I submitted a report about my credit being pulled without my authorization. I want the inquiry removed from my credit report. 

Credit plus responded back " On XX/XX/XXXX, XXXX XXXX XXXX pulled your credit report with the permissible purpose of securing a mortgage loan. If you did not authorize access to credit data ; please file a new case. A hard copy of this same information will be mailed to your postal address. Please contact our Consumer Disputes Specialists at XXXX or XXXX if you have any further questions/concerns. Sincerely, Credit Plus Inc. '' As I stated in the original report, I DID NOT AUTHORIZE ACCESS TO MY CREDIT DATA. My husband mentioned in casual conversation to someone from XXXX that we might be refinancing this year, and they took it upon themselves to PULL MY CREDIT to check rates. We did NOT authorize a credit pull, and no one ever spoke with me at all, they just accessed my information from when we were originally applying for loans back in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with SLM CORPORATION (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Just a few months after graduating from my XXXX program, I started to receive letters in the mail regarding repayment for my student loan. My student loans comprise of both federal and private loans. On several occasions do I recall numerous attempts to reach out to my lending companies ( Salliemae/XXXX/XXXX ) to see if their were options regarding lower monthly payments for my student loans, and on several occasions do I recall the representative expressing the inability to do so without any real explanation. Luckily, I was able to have my initial monthly payments through ( XXXX ) of approximately {$500.00}, lowered to approximately {$290.00} a month. However my requests to have lowered monthly payments through Salliemae/XXXX were denied. Since graduating in XX/XX/XXXX, I have been paying approximately {$890.00} a month directed towards my loan through Salliemae alone, in addition to the {$290.00} I currently owe through XXXX, as a result, in XX/XX/XXXX, I had to forbear my Salliemae loan because of financial hardship. I feel extremely hopeless about getting out of this debt without having any options to help even just decrease the monthly payments, and especially because of other financial obligations I have when it comes to being the only sole provider for my family with XXXX young children. I am not asking SallieMae to completely abolish my loans, but to simply work with me to reducing the monthly payments, and so far working with SallieMae has been very frustrating and disappointing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX has reported wrong to the credit bureau regarding payments on XXXX of 2013. The XXXX XXXX as well as all the credit bureaus have inaccurately messed up my credit record. This is more than the XXXX time of having them correct this. Statements attached will show that the payments were made on time

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have consolidated student loans and the XXXX XXXX XXXX XXXX has sent the corrected information to all XXXX reporting agencies and Equifax has still not corrected this information. There is only XXXX loan through the XXXX XXXX XXXX all separate loans through XXXX have been closed and paid in full. These should be taken off of my account at once. At this time Equifax has them listed twice for the consolidation loan and then separate old loans. 

I want these fixed ASAP so as to stop affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Deposits and withdrawals

Complaint: BANK O F AMERICA,   XXXX     2016, I ha d my wallet stolen in  XXXX   XXXX  NJ. Police report was filed and all institutions were notified and cards cancelled. On  XXXX / XXXX /   16 and   XXXX / XXXX /   16 th ere were  two fra udulent transactions in my Bank  of America  account. Each time {$1800.00} was withdrawn from my savings account from  2 different locations. I have never withdrawn any money from this account nor have I ever banked at either the   XXXX  or  XXXX  branch locations. I filed another Police report and notified Bank  of America. I have addressed the situation numerous times at my lo cal   XXXX    branch and  on the phone with  Bank of America . In  XXXX , my local branc h manager, admitted that the charges were fraudulent and added ba ck {$1800.00} to my account and stated he had to wait to add back the additional {$1800.00}. In  XXXX ,  Bank of America n otified me that the case was closed and they removed the {$1800.00} credit leaving me with a - {$3600.00} deficit. I have tried numerous times to get answers and have only been told the case is closed.  Bank of America  never contacted me and they never looked at the police report that was filed. I am happy to provide more information such as accounts, names, and police reports.

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 10-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credence Resource Management, LLC (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Credence Resource Management has been recently attempting to collect on a debt here and Florida where they do not currently have a license to do so. I first requesting validation of the debt and after researching creditor further, I learned that their license is inactive here in the state of Florida yet they continue to report this debt on my credit report. 

I 'm not sure how they obtained this information from XXXX, as I do not nor ever had an account from them, but to not even be legally authorize to attempt to collect this debt in the state of Florida is surprising to me.

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 01/23/2018 about Debt collection (Medical debt) with GOLD KEY CREDIT, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: As I have said I have never been to any hospital or used and medical services. Lost my wallet awhile back and got a replacement i.d maybe someone used my i.d at a hospital. Either way this was not me or is not my debt. Stop reporting on this fraudulent debt. 

XXXX XXXX XXXX/CHARGEOFFOther {$710.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Bureau Name GOLDKEY CRED Original Lender MEDICAL Account Number XXXX Account Type Not Reported Responsibility Individual Age Of Account XXXX Years, XXXX  Months Credit Limit Not Reported Highest Balance {$710.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX

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 08/18/2017 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (VA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I sent several cease and desist letters to the company requesting that they stop call specific numbers. I have stated on numerous recorded conversations that my cell phone number is not to called on the auto dialer. I discussed this issue with a supervisor in XXXX 2017, and I am receiving calls in XXXX 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. ().
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: ON XX/XX/XXXX I WENT TO XXXX AND XX/XX/XXXX I WENT TO XXXX TO LOOK AT CARS. I NOW HAVE XXXX HARD INQUIRIES ON MY CREDIT REPORT. 
I HAVE BEEN TOLD BY THE CFPB THAT RELATED INQUIRIES MADE WITHIN 14 DAYS WILL COUNT AS XXXX INQUIRIES. THIS SHOULD MEAN THAT I SHOULD HAVE XXXX INQUIRIES, NOT XXXX.. THAT IS NOW LISTED ON MY CREDIT REPORTS. THIS IS UNACCEPTABLE AND PREVENTING ME FROM GETTING MY PRE-APPROVED HOME LOAN APPROVED. I HAVE A VERY LIMITED AMOUNT OF TIME TO HAVE THIS CORRECTED TO PREVENT LOSING MY HOME. 
I WOULD APPRECIATE YOUR PROMPT ATTENTION TO 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 07-01-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Deposits and withdrawals

Complaint: I deposited my pay check ( from local XXXX service ) in the amount of {$600.00} into my Well Fargo Checking Account on XXXX XXXX, 2015 ( I am Account holder for over XXXX years ). I am providing a copy of cashed check from employers XXXX Account showing check cleared his bank on XXXX XXXX. 
Wells Fargo has credited my account with {$200.00} of the {$600.00} amount but are saying that the other {$400.00} will not be available to me until XXXX XXXX, 2015. I get paid XXXX, my next deposit will be on XXXX XXXX, 2015, I can not pay my creditiors on time if Wells Fargo continues to hold my funds for such long periods of time. This should be illegal! Funds should not be held for eleven days when it is cash being transfered from XXXX local bank to another local bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recover, LLC (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: First, This debt is a result of an apartment rental lease, in which my dependent/student niece was only name as an occupant. From day one, I made numerous complaints in reference to bugs, flooding and mold, to name a few. I made numerous calls to maintenance, management and even the emergency line about the flooding. My mother was visiting from XXXX and my niece has both XXXX and XXXX to XXXX ( XXXX ), so it was beyond awful. I had been deceived by the initial walk through as the walls were freshly painted and carpet was new. Once I decided to vacate, I informed XXXX in advance, in writing, with no timely response. Partly due to onsite management changing 3 times within the 3 months of my stay. Once I spoke to management and then upper management at XXXX, I was asked to leave within days, which was not doable. I even tried to pay and assured the company that not only would I pay, Id surely leave the dwelling in better condition than I found it. I have many photos as proof. Not only did they return my final payment to me, They attempted to collect beyond what was due ; dispite the fact that the apartment was rented to an XXXX family ( with whom I visited ), within a few days of my moving, which is illegal in XXXX Once, I received notice from the collection agency ( after it was forwarded by USPS from my previous address ), I responded to dispute the bill via phone calls, email/fax and via their websites ' portal. I made contact with and/or wrote letters of complaint to various governmental agencies.agencies. I have n't heard from them again, until recently ... Rent recovery called my mothers ' house in XXXX in an attempt to reach my niece, who did not sign and has never signed a lease. Since, they have even put the negative debt on her credit report, as well!!!

Company response to consumer: Untimely response
Consumer complaint received 02/17/2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Since 2016, I have been contacted by XXXX XXXX XXXX XXXX XXXX, about a debt collection item.  During which time, they have called me numerous times per week and have sent several written communications attempting to collect on this debt, even after being asked to cease efforts. 

For over two years I have requested the below information, yet XXXX XXXX XXXX has not provided one item of proof that this account belongs to me. In addition, they have continued to harass me with phone calls and physical mail sent between 2-4 times per week. 

I asked for this information, which is my right, yet they have failed to provide me with any of the items. 

1. Copy of the original contract bearing my signature that shows I agreed to pay what you say I owe.

2. What the money is owed for.

3. Proof of XXXX XXXX XXXX assessed and calculated the outstanding debt. 
4. Payment history from the original creditor.

5. Proof that they carry a bond.

6. Proof that they are licensed to collect in my state of residence ( California ).

7. Proof of license numbers and Registered Agent or Agent of Service.

To this date, I have not received any of the requested information that is my right under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }. 

They have consistently violated Debt Collection Practices and I'm now filing formal complaints with the Consumer Financial Protection Bureau, as well as the California Office of the Attorney General. I also have hired an attorney to help in my efforts. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/27/2015 about Consumer Loan (Vehicle lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (FL).
Issue: Taking out the loan or lease

Complaint: I returned my leased vehicle. I was informed there would be a balance. I never received any documentation. I find out that the account has been reported as delinquent to the credit bureau. I immediately paid it because I do n't want to have bad credit and asked them to remove this derrogatory information from the credit bureau. They agreed to do so but it has not happened.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (OK).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: A judgment was received by this company illegally. They stated that the served me with notice of this judgment, however, this is a lie. The date they say I was served I was in bed recovering a XXXX. in 2013 I was XXXX in the hospital, XXXX XXXX. I could not have been delivered papers regarding this and there was no one else at my home who could have accepted it at the time they are stating. I was in bed, XXXX and could not have walked down the stairs to answer the door. I did not even know about the court date or I would have shown up in court. They had to have lied in court and stated I had received notification.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (WY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Barclay arrival+ shocked me with Cash Advance Fees for my XXXX purchase after frequent and regular purchases for over 5 months. 

CASH ADVANCE FEE XX/XX/2018 {$27.00} CASH ADVANCE FEE XX/XX/2018 {$130.00} They did not call me, communicate to me at all in regards to these fees.

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 10/25/2017 about Mortgage (Conventional home mortgage) with TCF NATIONAL BANK (MN).
Issue: Struggling to pay mortgage

Complaint: I have been behind on my payments with XXXX Mortgage for over a year. Almost always less than 30 days behind. XXXX has done nothing to help me get up to date. I have asked for help and they indicated they can not help unless my payment is current. 

I am currently 30+ days delinquent and they showed up at my house to tell me they are going to start foreclosure! Can they even do that? My husband is XXXX and this has put him over the edge! I have always handled our finances and they knew that. They went to my husband ( he is on the mortgage ) without any warning. I am furious! 

Lastly, XXXX has refused to help me get caught up by offering a loan adjustment, and have been raking in a $ XXXX late fee for over a year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LoanCare, LLC (MI).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Some how my address was changed to an unknown address and is now reported to my credit report. Company could not tell me who or how my info was changed. I have absolutely no connection with the address. 

Loancare.com. They recently bought my mortgage from XXXX XXXX added that I have no connection with is .... 
XXXX XXXX XXXX unit XXXX XXXX XXXX XXXX mi 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 12/19/2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (TX).
Issue: Trouble during payment process

Complaint: My mortgage servicer was recently changed to XXXX ( specialized loan servicing llc ) mortgage servicing. They acquired my mortgage from XXXX XXXX in XXXX. I have a conventional loan with a loan to value ratio of more than XXXX percent. This means that I do not need an escrow account at all and I signed the closing documents showing this. 

Back in XXXX of XXXX I purchased a flood insurance policy as requested by XXXX XXXX and gave them the proof of food insurance. I purchased a policy starting in XXXX and ending in XXXX. Specialized loan service was faxed a copy and verified they do have it on file. They still increased my fixed mortgage payment, ( which was XXXX XXXX & increased it to XXXX. They created a escrow account and are now charging me as if I dont have flood insurance. Ive attempted over 4 times to speak with them over the phone but they hang up on me or leave on hold for several hours. I feel this is illegal especially since I have proof of my paid off flood insurance policy and paperwork showing I would not have an escrow account when created the loan. I am requesting a full internal review of this company who seem to prey their customers. 

XXXX refuses to work with me or help me with this issue. They can not force escrow upon me for a service I already have! I already have flood insurance active since XXXX XXXX! This is before they were servicing my loan!!

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 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX 2018 I contacted transunion and XXXX about numerous inquiries on my credit report that I did not apply for and they were no help told me to just call the creditor

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Hello! Equifax scandal!
Close the company DOWN!
Request SEC investigation of their executives.
Shut down ALL credit reporting scandals!

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Debt collection (Credit card) with Client Services, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I never opened a XXXX credit account. Despite that I am now receiving calls from Client Services Inc, a collection company acting on behalf of XXXX XXXX, demanding that I owe them over {$1000.00}. This is absurd. I have never received anything in the mail or by email regarding any such account, charges to any such account or anything else. I assumed this was a phone scam of some sort, but Client Services INC appears to be a legitimate company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Checking or savings account (Checking account) with BB&T CORPORATION (NC).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Hi my name is XXXX XXXX. I bank with bbt XXXX NC. My savings account was overdrawn by almost XXXX dollars. Well my XXXX check went in on XXXX XXXX next morning my card was XXXX. I called the bank the lady said she would unfreeze it ok cool.well.well the next day they took the XXXX and left me with almost nothing. My check was for XXXX. She did n't say there was a possibility there going to take that amount. Now I ca n't make my house payment. At least waive the fees or take half this month and the rest next month. Or split the difference all together. Thanks, very concerned citizen. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: My credit report is showing a public record XXXX. However, I am unaware of this record dated for XX/XX/2014 and Equifax is not reporting the source of their information on this judgment. All of which is a violation of the FCRA.

Company response to consumer: Closed with explanation