milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/18/2017 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: ****THIS IS NOT A REQUEST TO PUT ANY KIND OF FRAUD ALERT OR SECURITY FREEZE ON MY ACCOUNT**** I AM TIRED OF YOU DOIN THAT TO SIMPLY SAY YOU HAVE ADDRESSED MY COMPLIANT. EXPERIAN YOU HAVE UNAUTHORIZED CREDIT INQUIRIES THAT DO NOT MEET THE " PERMISSIBLE PURPOSE '' CLAUSE OF THE FCRA. ACCORDING TO THE LAW YOU THE CREDIT BUREAU MUST SHOW PERMISSIBLE PURPOSE FOR ALL INQUIRIES. I AM CHALLENGING YOU TO PRODUCE SUCH DOCUMENTATION. ANYTHING THAT YOU SEND ME SIMPLY SAYING THAT YOU MUST KEEP THE INQUIRIES ON THERE BECAUSE OF FACTUAL TRUTH IS 100 % WRONG, AGAINST THE LAW AND I WILL PUSH FOR A FULL INVESTIGATION INTO YOUR REPORTING IF YOU DO NOT COMPLY WITH MY REQUEST.
1.   XXXX   XXXX   XXXX   XX/XX/XXXX  I DO NOT RECOGNIZE THIS COMPANY, THEY DID NOT HAVE PERMISSIBLE PURPOSE TO PULL MY CREDIT AND YOU DID NOT HAVE PERMISSIBLE PURPOSE TO SHARE MY CREDIT SO REMOVE IT IMMEDIATELY.
2.   XXXX   XXXX   ON  XX/XX/XXXX I DO NOT RECOGNIZE THIS COMPANY, THEY DID NOT HAVE PERMISSIBLE PURPOSE TO PULL MY CREDIT AND YOU DID NOT HAVE PERMISSIBLE PURPOSE TO SHARE MY CREDIT SO REMOVE IT IMMEDIATELY 3.   XXXX   XXXX    XX/XX/XXXX  I DO NOT RECOGNIZE THIS COMPANY, THEY DID NOT HAVE PERMISSIBLE PURPOSE TO PULL MY CREDIT AND YOU DID NOT HAVE PERMISSIBLE PURPOSE TO SHARE MY CREDIT SO REMOVE IT IMMEDIATELY 4.   XXXX   ON XX/XX/XXXX  I DO NOT RECOGNIZE THIS COMPANY, THEY DID NOT HAVE PERMISSIBLE PURPOSE TO PULL MY CREDIT AND YOU DID NOT HAVE PERMISSIBLE PURPOSE TO SHARE MY CREDIT SO REMOVE IT IMMEDIATELY 5.  XXXX  ON  XX/XX/XXXX  I DO NOT RECOGNIZE THIS COMPANY, THEY DID NOT HAVE PERMISSIBLE PURPOSE TO PULL MY CREDIT AND YOU DID NOT HAVE PERMISSIBLE PURPOSE TO SHARE MY CREDIT SO REMOVE IT IMMEDIATELY.

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 06/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Riverwalk Financial Corporation (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had just pulled my Credit Report and had saw DEVILLE MGMT was reported on XX/XX/XXXX. I am not sure why it is now showing up when this has been resolved and paid in full. I have enclosed the letter I have received in XX/XX/XXXXsaying this was paid in full

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Delinquent account

Complaint: I have had many problems with this bank. First my bank account, and now my credit cards. I have requested many times that they assist me in reducing my interest rate so I can pay off the accounts. They refused. I called one day and requested any assistance with a payment plan of some sort. The agent barely helped me and kept asking what I wanted, instead of telling me what I might be able to do to get help. He took my debt/income information and payments on the accounts and said I will get a letter about it in the mail. I finally, after weeks got a letter that says, " We are unable to assist you with your request regarding this account. '' That 's it. Nothing that I can do, no reason they can not help, just NO. I am unable to make my payments online anymore and although I have requested statements, they do not send them to me. I can not even tell how far my payment is past due or anything and now it 's damaging my credit very much, just because I fell into some hard times when I got behind having to pay my mothers rent. Now, early XXXX I have to pay her rent again due to her XXXX for about 3-4 months and I am going to be low on money again and they will not assist 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 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (TX).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: This trade creditor inaccurately reported on my credit report that a bankruptcy was filed.     The original date of the debt was   XXXX  . Nothing appeared on my credit report for over   XXXX   years. Until I went to apply for a home mortgage, they reported a balance of {$130.00} balance was charged off due to a bankruptcy.     There was no bankruptcy ever filed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-05-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: An agreement was found with XXXX for my student loans, an amount of {$41000.00}, in XX/XX/XXXX, where it was concluded to pay {$180.00} per month for ten years. The remained balance, from what they told me, would be considered as taxable income. The payments were scheduled to start on XX/XX/XXXX.
However, on XX/XX/XXXX, at XXXX XXXX, a call was received from XXXX XXXX, at ( XXXX ) XXXX, stating she is from XXXX XXXX which is a XXXX representative, and they work for XXXX XXXX. She switched the call to another person who sent me a link to verify whether all information is correct. Every time she asked me to click on a button, I saw my name. When I ask why my name is there? She replied this the new form used by XXXX now. I said stop, let me read, she said no, I will leave you a copy.
The bottom line, she never told me that my loans are going to be serviced by another institution called Navient.
Finally, I said let 's stop there, I have to talk to XXXX.
The business day, XX/XX/XXXX, XXXX was contacted and their response was : we are dealing with any company called XXXX, beware of scams.
The same day, XX/XX/XXXX, XXXX was called, no one answered. On the XX/XX/XXXX, I called again and left a message with a man named XXXX, asking him to tell XXXX to cancel everything that has been done the night of XX/XX/XXXX, .OnXX/XX/XXXX, XXXX  was contacted again, no response.. Immediately, I shoot an email to XXXX XXXX at : XXXX. A copy is attached.
Two weeks after, XXXX XXXX called me to confirm that everything has been cancelled. She even told me that the plan I have with XXXX to pay half, the balance will be a taxable income for you. And I replied : I do n't care, that 's what I want.
I sent a letter to XXXX about the fraudulent crime, explaining how XXXX XXXX has been used by Navient to collect student loans information in a scam way. A copy is attached.
About one month later, a letter was received from Navient, congratulating me, while stating : your loans have been processed. Immediately I sent a letter, urging them to reverse this loan. Three letters have been sent to them, they still disregard me. Copy of one of the letters is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: The complete taking of my tax returns past two years, desperately needed to survive amid extremely poor job prospects. It could have been allocated towards getting me out of default gradually while allowing me to scrape by slightly better.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Conformation # XXXX for payment XX/XX/XXXX for {$720.00} XXXX XXXX Account XXXX Letter of receipt for payment from Wells Fargo Bank Conf # XXXX dated XX/XX/XXXX with our Routing Number full XXXX and last four of our Acct # XXXX all Correct Documentation of Conversation with Supervisor XXXX XXXX Employee # XXXX from XX/XX/XXXX letting us know this was Wells Fargo Bank XXXX for not processing and would not effect our credit. This was NOT Returned from our Bank at all Conformation # XXXX for payment on XX/XX/XXXX for {$740.00} Letter of receipt Conf # XXXX from Wells Fargo with our Routing Number Full XXXX and Last Four of our Acct # XXXX all Correct Note from speaking with Representative saying Wells Fargo did not process This was NOT Returned from our Bank at all Would appreciate a letter that I can use to clear this off our credit report as this was a Wells Fargo Bank Error as told to us by your staff at the time on both occasions. We went through this process the first time with XXXX XXXX who outright told me he would not pass me to a supervisor and he would not correct it. this is wrong and harmful to consumers. We did not pay late and can prove it. Which is more than Wells Fargo can say! Who protects consumers? XXXX XXXX XXXX - act # 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 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Equifax violated the Fair Credit Reporting Act by not conducting a reasonable investigation as required by the Fair Credit Reporting Act. On or about,  XX/XX/XXXX   ,  I obtained my credit file from  XXXX   XXXX . I noticed that an account from  XXXX   XXXX   XXXX  was still listed on there, however I believe that the opening date for the account listed was incorrect. Also, I believe the date of charge off was incorrect as well. I immediately sent out a letter to Equifax disputing that this account from  XXXX   XXXX   XXXX  was time-barred and needed to be deleted from my credit file. Equifax wrote back stating that  XXXX   XXXX   XXXX  verified that the account was totally accurate and will stay on my file. I then sent a second letter once again asking for the account to be reasonably reinvestigated and also for Equifax to send me my credit file with all information that they used to verify this account from  XXXX   XXXX   XXXX . I then wrote to  XXXX   XXXX   XXXX  and asked them to send me the information that they had regarding this account but they have not done so. If  XXXX   XXXX   XXXX  did not have the information to verify the account with me, how was Equifax able to verify that this account was accurate? Who did they speak to? and what information did they look at? Upon my further investigation, Equifax also listed the account with an incorrect past due balance, inaccurate opening date and inaccurate late payments. I recently applied for a credit card which was declined because of Equifax 's inaccurate information about me.  <P/> The account I am referencing to is :  XXXX   XXXX   XXXX  Acct #  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Debt collection (I do not know) with The CMI Group, Inc. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i continue to get calls from numerous people who hang up when you ask why they are calling you from phone number XXXX the reps are rude and they have no info on the who the actual bill is owed to.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I would like ALL dispute comments removed from 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 05/31/2017 about Debt collection (Payday loan debt) with COMMUNITY CHOICE FINANCIAL, INC. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: My wife has been receiving calls from  XXXX   XXXX   XXXX  ( account #  XXXX   ) a cting on behalf  of Cash Central on an a lleged debt that I owe. The issue is that I have NEVER taken out a loan with them. They advised that there are no stores in the  XXXX   XXXX  area where I reside, so this payday loan would have been done online which I can promise I did not do. I have been given the run around and feel that I have not been given enough information to dispute this debt. I also have not received ANYTHING in the mail from these people. When I asked  XXXX   XXXX   XXXX  for the address of Cash Central, I was told the first time that they could not locate it and the second time that their system was frozen. I was only able to obtain an account number ending in  XXXX . They also stated that the individual that obtained this loan put down their place of employment as  XXXX   XXXX , which I worked there, but not in  XXXX  when this loan was allegedly obtained as I have been employed with  XXXX  for 7 years. I was finally able to find a phone number for Cash Central and address (   XXXX   XXXX    XXXX ,  XXXX , OH  XXXX , ph #  XXXX  ). I followed the prompts, opti on 1,   opt ion 1 again, then option 2 for  past due status and then it hangs up each time. I had to find another way to get thru by constantly pressing zero, in which I waited on hold for a go od 25 minu tes to only get some new person that advised me that they were unable to release their corporate address, just the billing address to send payments per her supervisor. She then advised that the account was taken over by  XXXX   XXXX ,  XXXX . I called them and they told me that the account was recalled back by  Cash Central   X/X/2014  and they misdirect calls to them all the time. Me and my wife are in the process of building a new home, and I WILL NOT keep dealing with these people, and I definitely wo n't be calling them back a 3rd time just to wait on hold for another 25-30 minutes to get someone on the line just to give me the run around again. I need some help here please!!! This is not my debt and I have not been given the proper information to dispute it. In my opinion, they have the burden of proof, not me. My social is  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (MD).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I was contacted by the XXXX XXXX XXXX who evicted me because I reported and filed police reports because of safety issues. There was a man stalking my apartment and my XXXX young boys and after repeated notifications to the apartment complex they did nothing to help me. They even stated their cameras were not in working order so they could not catch the suspect on camera. I attempted to move to a higher level because I was on the ground level but was told I would have to pay a new security deposit and month 's rent before the transfer could take place. The apt complex knew I did not have the extra money to move because I was a single mother and recently lost my job. Despite everything that I was going through, I made attempts to pay what I could my last month of residing there ( approximately XXXX 2015 timeframe ) and my money was accepted, but I was still evicted. I then received a bill for over {$1700.00} stating that I needed to pay for the remainder of the month in which I was evicted as well as the upcoming month because I had voluntarily left the property. This is absurd. When I contacted the debt collector, they had stated that they had no recollection of eviction and their client, the apt complex had informed them that I voluntarily moved out and that I owed rent as well as replacement of carpet fees worth over {$1000.00}. They kept my security deposit and sent me a bill which was surprisingly already on my credit report being reported as a collection. This has ruined my credit and I want justice. They did threaten to take legal action and hired this attorney 's office which is the one reporting this false debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XX/XX/XXXX - re quested report from Transunion after viewing score which was  XXXX  points lower than other scores.   * requested to correct name and aka- * removed an address that was not mine * disputed closed account which was sold to another company- school loan Result- They said they corrected but after receiving report  XXXX  it was the same *corrected address-removed * dispute not resolved  XXXX  - asked to make the necessary changes & disputes because this was harming my credit   XX/XX/XXXX -  changes still not completed and the disputes are on the report as * consumer disputes this item- this is harmful in itself. I thought it is to be resolved or removed 45 days. Called and complained still no change.     It is now   XXXX   looking at my report and the very same issues are there. I called  XXXX   XXXX ,   XXXX   to dispute and CS stated all the credit reporting agencies has their rules, Transunion rules are set and we can not change the scores even if we have the same files as other companies.     I have tried over 4 years to get this corrected and compliant which is fair to me and just.

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 04/29/2015 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (SC).
Issue: Loan servicing, payments, escrow account

Complaint: Please see prior Case number : XXXX whereby we had problems with PNC and their insurance representatives not knowing what they are doing. I have faxed the appropriate documentation to the insurance fax line and waited for a response. When I did not get a response, I submitted an email to XXXX XXXX from PNC who handled last year 's complaint. As of this date, I have not gotten any response as to why we are continuously harassed about insurance coverage that has remained in effect since the day we purchased the townhouse 10 years ago! On XXXX/XXXX/XXXX we received a letter from PNC that they need our flood insurance info ( of course this was sent by the insurance company but notice the renewal date is XXXX XXXX, so how is it that they are looking to have received a renewal policy and written a letter to me within 24 hours? I of course faxed that info on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX they respond 'thank you. '' On XXXX/XXXX/XXXX I received a nasty gram that PNC is now looking for my condo coverage which I faxed, but also called and spoke with XXXX letting her know that PNC has no need for this policy as they made me buy an XXXX and that policy is in effect until XXXX XXXX. She said the XXXX was n't necessary and even offered to send me a letter to that effect. See letter from PNC dated XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I received yet another letter from PNC contradicting what I was told and said that they will buy insurance as there is no coverage. My insurance company has sent all materials on a timely basis and PNC claims they never get them, I have the wrong coverage, etc. I faxed the material described above and have not heard back from PNC as of this date so there must be a black hole where all PNC mail ends up! In addition, there is not one insurance representative that knows what is going on. Note on each paper the name and extension of the person I spoke to. The only thing I did not ask was whether this representative worked in the FL or OH call centers. We have already cancelled insurance escrow from the last complaint because PNC cant get it right so now what can I do to stop this harassment? I would like the Consumer Financial Bureau to determine what recourse I have against this mortgage company and wish for these complaints to be published as I have already notified our HOA for any other mortgagees that are having the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Student loan (Non-federal student loan) with DISCOVER BANK (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have been getting calls from Discover Student loan almost daily, some times more than twice a day. Early morning, late night. I spoke with my Account Manager to arrange payments of {$300.00} per month. I have been making my payments online through XXXX XXXX. It did n't stop the calls and emails saying that I missed payments. When I spoke to my account manager, although they are trying to be polite, they are very condescending and keep saying I am not making payments which is not correct. Unlike XXXX XXXX who is more willing to listen and give more information on how to pay without putting me and my family ( I am single mother ) in financial hardship, they kept asking me " When in XXXX XXXX next month ) can we start the payment of {$680.00} XXXX which is more than double of what I currently pay )? '' They practice of debt collection should not be legal and I do n't believe they are disclosing information and options for my loan payments. 

I know XXXX XXXX is not perfect, but they at least talk to me like a customer and a human. They give me the opportunity to present my expenses and income and work out a number that will work. Not a " sales '' call to get as much money that I can not afford out of my paycheck and threatening to take legal action, threatening me not to ever take my loan out of default unless I pay everything off.. the whole {$23000.00} with interest, even though I make payments monthly? That is putting a burden on my finance having that on my credit history for however long it takes me to pay that off. instead of working out a number that can work for both side in a long run. That is a big chunk of money that they requesting. They absolutely do not care about education loan industry. They should be not be providing student loan with the collection practice.

Company response to consumer: Closed with explanation