milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: THE FCRA STATES THAT ALL INQUIRIES MUST HAVE A PERMISSIBLE PURPOSE AND THAT THE CREDIT BUREAUS HAVE TO HAVE DOCUMENTATION ON FILE OR IF I REQUEST IT THAT THEY MUST REQUEST THE DOCUMENTATION TO SUPPORT THEIR POSITION TO LIST INFORMATION AGAINST A CONSUMER. I AM ASKING THAT THE FOLLOWING INQUIRIES BE FULLY INVESTIGATED AND THAT PROPER DOCUMENTATION BE SENT TO ME SHOWING THAT I GAVE PROOF GRANTING PERMISSIBLE PURPOSE TO THESE COMPANIES TO PULL MY CREDIT TO EXTEND A CREDIT LINE TO ME. THIS IS NOT A REQUEST FOR ANY SECURITY FREEZE OR FRAUD ALERT TO BE PUT ON MY FILE. I AM ASKING THAT THE LAW BE FOLLOWED AND THE BURDEN OF PROOF CLEARLY LIES ON THE CREDIT BUREAUS TO PROVE BEYOND A REASONABLE DOUBT THAT WHAT THEY ARE REPORTING MEETS THE GUIDELINES OF THE FCRA. 1. XXXX XXXX ON XXXX PULLED MY CREDIT. I DO NOT RECOGNIZE EVER GRANTING THIS COMPANY WRITTEN OR VERBAL PERMISSION TO PULL MY CREDIT. I CURRENTLY DO NOT HAVE ANY LINE OF CREDIT WITH THEM. SO UNLESS EXPERIAN CAN PRODUCE PROOF YOU ARE TO REMOVE THIS INQUIRY FROM MY CREDIT REPORT IMMEDIATELY. 2. XXXX XXXX THIS HARD INQUIRY IS SHOWING UP WITH NO PERMISSIBLE PURPOSE ATTACHED. I AM DEMANDING THAT EXPERIAN REACH OUT TO XXXX AND ASK FOR DOCUMENTATION STATING THAT I GAVE THEM PERSMISSION IN WRITING TO PULL MY CREDIT. IF WITHIN 30 DAYS YOU CAN NOT PRODUCE PROOF YOU ARE TO REMOVE IT. 3. XXXX CARD ON XXXX EVEN THOUGH I HAVE A XXXX CARD I DO NOT REMEMBER ASKING THEM TO PULL MY CREDIT ON THIS DATE ( THE DATE IS IN QUESTION ). I AM ASKING FOR FULL IMMEDIATE PROOF SHOWING PERMISSIBLE PURPOSE. IF YOU CAN NOT PRODUCE THIS THEN REMOVE THE INQUIRY. 4 XXXX ON XXXX I DO NOT KNOW THIS COMPANY, NOR DO I EVER REMEMBER ENGAGING THEM IN ANY CONVERSATION FOR THEM TO PULL MY CREDIT. I AM DEMANDING THAT YOU REACH OUT TO THEM AND ASK FOR A SIGNED APPLICATION SHOWING THAT I ASKED THEM TO GRANT ME CREDIT. IF YOU CAN NOT PRODUCE A SIGNED AUTHORIZATION FORM YOU ARE TO REMOVE THIS INQUIRY AS THERE IS NO PERMISSIBLE PURPOSE. 5. XXXX ON XXXX I DO NOT RECOGNIZE THIS INQUIRY THEREFORE I AM DEMANDING THAT YOU REACH OUT AND ASK THEM FOR A SIGNED AUTHORIZATION FORM SHOWING THAT I GAVE THEM PERMISSIBLE PURPOSE TO PULL MY CREDIT. IF THEY CAN NOT PRODUCE ONE YOU ARE REQUIRED BY LAW TO REMOVE IT. I WILL BE FILING A COMPLIANT WITH THE FTC AND ASKING AN ATTORNEY TO REVIEW THIS AND IF WE DECIDE TO SUE YOU OVER THIS THEN YOU HAVE BEEN WARNED.

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 10/21/2015 about Bank account or service (Checking account) with SCOTTRADE BANK (CA).
Issue: Account opening, closing, or management

Complaint: Dear Sir/Madam, In the event that there is a dispute between myself and Scottrade Bank. What are the dispute resolution procedures? Furthermore, does Scottrade Bank provide assistance to those who are incapable of paying for dispute resolution? 

Sincerely Yours, XXXX XXXX XXXXl

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Vehicle loan or lease (Loan) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: BBVA is the absolute worst company ever. You can't get through to their line for the life of you. I am currently on hold for 45 minutes AFTER being HUNG UP on by he previous representative. I hate this company and their poor customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Both myself and my wife have put credit freezes on our accounts at Experian, XXXX and XXXX. XXXX will let us get our free annual credit reports online. Experian and XXXX wo n't. I am assuming the reason is because we have credit freezes on our account. This is unacceptable. It is a pain in the neck to request them via XXXX mail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-01-2016 about Debt collection (Auto) with PRESTIGE FINANCIAL SERVICES INC (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: RE : XXXX XXXX ( XXXXXXXXXXXX ) We have multiple complaints regarding this company, but the main one of concern is the use of other parties to contact us on behalf of the company. I personally have sought to find remedy to this issue with the agents that contact us directly, yet have found no resolution, nor have I had any contact regarding this issue since I made a request for more information surrounding our current balance and explanation as to who the third party in question is. 
I was a joint debtor on an auto loan ( acct. # XXXX ) through PFS until we voluntarily surrendered the vehicle XX/XX/XXXX. On XX/XX/XXXX, my husband, XXXX XXXX XXXX, received correspondence from a party named " XXXX XXXX '' via the social media website XXXX regarding the auto loan, asking us to contact XXXX XXXX of PFS. 

XXXX XXXX, a collections representative for PFS, found it acceptable to use a third party unrelated to PFS ( XXXX XXXX ) or ourselves to contact my husband regarding the vehicle on XXXX. I have proof of the correspondence between this party and my husband that I 've only recently discovered. 

We no longer have the car, and have been asking for statements as to how much we owe on the vehicle. We have not received the statements that we have been asking for, and have paid {$300.00} a month since XX/XX/XXXX per an agreement with PFS. According to PFS, we still owe approximately {$8000.00} left on our installment agreement. PFS and its agents are blatantly ignoring all requests for information. 

In addition to this, we also have further documentation that they have previously contacted my husband 's place of employment after being advised not to, which lead to his job security being threatened. He was advised that he would be subject to termination if collection attempts to his HR department continued, and they did for at least 1-2 more additional attempts. 

We are trying to resolve this with the representatives directly, but they have been ignoring my written correspondence altogether. Any assistance I can receive in remedying this issue would be much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 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: I have a debt on my credit report that has been paid. But it has not been removed from my credit report. The debt collector  XXXX   XXXX   XXXX  has sent the proper information in to remove the debt but it has not been removed from my credit report. I would like for this debt to come off my credit report. I am going to provide the proper information for this debt to be removed off 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 03/14/2018 about Debt collection (Medical debt) with Receivable Management Group, Inc. (GA) (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Today XX/XX/2018 I received an alert from my credit monitoring that this collection account popped up on my credit report. I have never done business with this company nor do I have a contract with this company. I, as a consumer, have rights under the FDCPA that the FTC enforces. This collection agency has never contacted me in writing to VALIDATE not VERIFY this alleged debt. This collection agency just appeared on my credit report and I have the alert to prove it. If this company does not follow the law properly I will have no other choice but to contact my Consumer Rights Attorney and sue this company. If I owe any company money it must be presented according to the law and popping up on my credit report out of the blue is not according to FDCPA laws. I have never received anything in writing from Receivables Management Group., I have never been given the opportunity to dispute and request validation as FDCPA states I have the right to do. THIS IS A CLEAR VIOLATION OF Receivables Management Group illegally placing information on my credit report without my consent, knowledge or written authorization as required by the FCRA. I have also contacted my consumer rights attorney who is with the law firm XXXX XXXX XXXX. I have never been given the right to dispute. REMOVE YOURSELVES IMMEDIATELY OR I WILL INITIATE A LAWSUIT FOR VIOLATION OF THE LAW.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Debt collection (Medical) with Merchants Credit Corporation (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: After getting a notification from XXXX about this debt approximately XXXX, I immediately notified them that this debt was an error of some type. XXXX worked with me to get this resolved and " XXXX '' out the debt. They and myself also contacted Merchants Credit to do the same. After contacting them I was told by a supervisor at Merchant Credit that they had received the notice from XXXX on XXXX/XXXX/16 but could not update with XXXX. was told if they call they would tell XXXX to cease reporting. I informed XXXX XXXX that since this was pulled from them by XXXX they should contact the credit bureau immediately to correct the error. Since they are not willing to do so I informed him I would be contacting CFPB to file a complaint. Although Supervisor XXXX was very nice he was not willing to contact XXXX to fix the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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 XXXX closed my newly opened credit card in error. My Transunion scored dropped over 100 points. I submitted a dispute to Transunion. Transunion decided that even though XXXX XXXX XXXX  opened the account that was closed in error, they would still not remove the erroneous reported item nor did my score increase. Also, the same exact information is being reported on XXXX and Transunion, but Transunion has my score over 100 points lower than XXXX. I had perfect payment history before filing bankruptcy XXXX 2016 and Transunion has information to support excellent payment history. Please see that Transunion removes the information from XXXX XXXX XXXX and increase my score once information has been successfully removed.

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 01/26/2018 about Mortgage (Other type of mortgage) with Selene Finance LP (IL).
Issue: Struggling to pay mortgage

Complaint: I'm in a trail modifications for XXXX in XXXX and XXXX til XXXX of 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I contacted XXXX XXXX XXXX XXXX, Credit Bureau Disputes Division, via phone # XXXX and fax # XXXX to report that an account I voluntarily closed in XX/XX/XXXX had been deleted from my files with the CRAs. I am attaching copies of my letters and other documents provided to XXXX. Since the loan was not in a derogatory status when we paid it off, I expected the record to continue reporting until XX/XX/XXXX. On contacting the CRAs, I was told that XXXX XXXX instructed them to delete the record. I conclude thaXXXX XXXX mistakenly instructed the CRAs to delete the credit item after I asked the bank to remove only an invalid remark on my credit reports stating this loan was in dispute. Prior to the improper deletion, this account positively impacted my credit scores because of its age and positive payment history, and its deletion helped to lower my credit scores. My wife and I opened the joint LOC in XXXX XXXX ; it was always paid on time, and the account was in a positive status when we voluntarily closed the account around XXXX XXXX. For over 6 weeks in XXXX and XXXX I worked tirelessly with XXXX XXXX to attempt to get the item back on my credit reports. I made multiple phone calls and also wrote to the bank providing an old credit report that showed a truncated loan number. XXXX XXXX XXXX, a XXXX XXXX employee at the banks credit card executive office called me around XXXX XXXX to state that I must provide a " complete loan number as their records for this account were no longer available .... and without a complete loan number she could not assist me any further .... '' For reference, the rep provided a case number, XXXX, for my use in making future inquiries on this matter. I can not locate the old statements for this loan and I am puzzled and frustrated as to how the history of my loan with the bank can be unavailable after just a year of the account being closed. Furthermore, the historical record for this loan is still reporting accurately on my spouse 's credit report. It is my opinion that XXXX does not appreciate the importance of this matter to me and is not doing as much as it can. Please assist me in getting a prompt resolution to this matter. I am working diligently to rebuild my credit history and removal of this long-standing and positive credit record has had significant negative impact. If I should contact the FTC instead, please let me know. Thank you kindly!

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with National Credit Adjusters, LLC (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XX/XX/XXXX I took out a loan for {$2500.00} from XXXX XXXX while in need of cash for a life threatening emergency. ( if it were less than {$2500.00} this would not be legal from my research ) At the time, I was a resident of New York but living in California ( I provided them my NY license ). 

XXXX XXXX is licensed to make installment loans, however I can not find a copy of a license to operate out of Utah until XX/XX/XXXX. When the loan was made XX/XX/XXXX, they were licensed to make loans out of Ohio ( but not Utah ).

The 180 % interest loan was paid on time until I fell into another financial hardship. I was advised to reach out to the XXXX XXXX XXXX to help bring down the loan which they did. We had agreed to a settlement for 2 payments of {$400.00}. One payment was to be taken out of my account and I would be mailing the other payment before XX/XX/XXXX ( which I mailed and have documented ). The final check was never cashed by XXXX XXXX, which I did not know until a later date. 

My loan was then sold to National Credit Adjuster who greatly impacted and destroyed my credit. I have lost job offers as well as housing offers due to this unethical and predatory loan. I should have been paid to date and account closed. After numerous attempts to try and rectify this issue, XXXX XXXX has not returned phone calls or emails. I then went ahead and reopened the case with XXXX but XXXX XXXX has stated " Due to the sale of XXXX XXXX debt, XXXX XXXX does not have the authority to collect on this debt, and has not attempted to since the date of sale. He may address further questions regarding this account to NCA at : National Credit Adjusters XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX '' On XX/XX/XXXX I was notified ( by NCA ) that records showed I made XXXX payments which is inaccurate as bank statements will show. My credit report also has 2 conflicting charge offs ( one XXXX XXXX and the other National Credit Adjusters )

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Payward Ventures Inc. dba Kraken (IL).
Issue: Money was not available when promised

Complaint: I transferred XXXX Litecoins into my account which shows up as a transfer in but afterwards I was unable to sell or transfer out any and It does n't show up in my balance either. It seems they have frozen these coins and have not responded as to why or what I need to do to get them released.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I sent a letter ( attached ) to all three credit bureaus asking them to validate 2 accounts on my credit report and to correct a duplicate account. 
30 days have passed and I have received no communication from any of the credit bureaus to acknowledge my dispute or to show that these accounts were researched and deleted for non-verification within the 30 day timeframe.

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 06-09-2015 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: There is a derogatory mark on my report from Bank of American in my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX XXXX failed to electronically verify required insurance through XXXX XXXX XXXX. XXXX XXXX force placed insurance raising the monthly payment. Since payments are made in-person in XXXX XXXX retail branches account holders were never made aware. We were never asked to update contact information. Payments made for expected amount failed to meet new amount after insurance was placed so payments were considered late even though $ XXXX was applied to principal on time each month. When trying to clear up or rectify the situation with account manager at XXXX ( XXXX ext. XXXX ) he wxplained to me that the error would take 3-5 business days to clear itself in the system. The system may or may not report the accurate information and if not it was my responsibitlity to file a dispute with the credit agencies. I 'm not sure why it would me my responsibility when this clearly was a XXXX XXXX error all along. They also told me the automobile was not insured when in fact it was causing me to pay premium through another insurer costing me more money then they had attempted to charge for late fee 's and force placed insurance ... Had to contact XXXX XXXX plus times to resolve. Asked for information to be faxed and never recieved or illegible. Asked for pay of as of XXXX/XXXX/15 and they were unable to give me an exact amount. I would like to be done with this company. Very poorly handled sitution on their part due to their error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: i keep getting bad debt relief info from my mortgage servicer ... .they are accusing me of having filed bankruptcy ... ... in 2012 this home was in my name and and another persons name ... he filed bk and did a quit claim deed and i did a harp loan ... my payments have always been current and it is mortgaged and deeded in my name only since 2012 ... ocwen loan servicing calls and sends me refinance option packets saying ive gone bk and threatening foreclosure..numerous calls and letters havent stopped it ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Consumer Loan (Vehicle lease) with HYUNDAI CAPITAL AMERICA (MI).
Issue: Taking out the loan or lease

Complaint: Hyundai Finance Company 's collection department was very nasty, aggressive and, in my opinion, unreasonable in solving a dispute about a lease payment that occurred 4 years ago. The issue was resolved and the vehicle returned on XXXX XXXX. I leased another Hyundai vehicle from the same dealer only through another finance company. ( The bad experience precluded me from considering Hyundai Finance again. ) A letter describing the issue and requesting a waiver of the " disposition '' fee was included with the paperwork with the returned vehicle. The letter requesting the waiver was never answered and I received a bill for the " disposition '' fee plus taxes. 
I have returned the bill with a copy of the original letter and a note disputing the bill to Hyundai Finance. 

If Hyundai Finance had been cooperative in resolving the original dispute I would continue to do business with them, However the total lack of willingness of Hyundai Finance collections department to cooperate to resolve what should have been a simple problem sent me the message that I should do my business with someone else. Now they want to charge me for a " disposition '' fee that never would have become an issue if they had treated me with respect. 
Finally, the " disposition '' is not really that since it is automatically waived when a customer leases or buys another Hyundai and finances through Hyundai Finance. I believe it is really an undisclosed price increase for not continuing to do business with Hyundai Finance. 
I think this is morally wrong. 
I think that is flat wrong and ask you your assistance in having the

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 'm a victim of identity theft someone took my information and opened up lots of accounts in my name right now I have XXXX accounts in collection that does not belong to me XXXX is XXXX and 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