milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-02-2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Failure to report credit experience correctly as per request of the creditor : On XXXX XXXX, XXXX, XXXX XXXX XXXX obtained a loan from the XXXX located at XXXX XXXX, XXXX, XXXX XXXX. I, XXXX XXXX, was included improperly as a co-signer although I had not I agreed as such. 
The XXXX violated several laws and consumer related regulations, such as, to name a few, the Truth in Lending Act, the Fair Credit Reporting and Equal Credit Opportunity Act. For the former the violation consisted of failure to properly notify the " cosigner '' and obtaining a signature using unfair and deceptive practices. 
The aforementioned resulted in litigation. On XXXX XXXX, XXXX, the parties reached a Settlement for all claims and counter claims. See attached XXXX XXXX ( Settlement Agreement ). Under the agreement the XXXX agreed to report the original credit as : " Paid as agreed ''. See Article 6 highlighted in yellow. The XXXX also agreed to remove derogatory information as indicated in Article 7. 
We have been in contact with the XXXX and they have indicated that they have reported the credit information as established in the agreement. We informed the XXXX that the information in the credit report is the same that was there before the agreement was signed. The XXXX indicated that they made the changes and that the failure to report the changes is the responsibility of the credit bureau. To this effect on XXXX XXXX, XXXX, they provided us with a letter indicating that the credit has been reported to the credit bureau in accordance with Article 6a and XXXX of the Settlement Agreement. See copy of the letter attached. 
We are hereby requesting that the credit bureau take immediate steps to correct their record and report the credit as Paid as Agreed as indicated in the settlement agreement and remove all derogatory information as indicated in Article 7 of the attached settlement agreement. 
Your cooperation in resolving this matter expeditiously is 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 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (KS).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was in the process of trying to buy a house and I got on XXXX XXXX and saw that my credit score was below XXXX and I clicked on there to see why and I had 24 late payments from Navient student loan company and I ca n't understand why when I was in forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Credit reporting () with Experian Information Solutions Inc. (KY).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: We have been trying to get our bills paid to increase our credit scores. When I went into our credit reports we found credit inquiries that were not authorized dropping our scores approximately XXXX points. We contacted XXXX, XXXX, and Experian in writing and by phone and they state that they will not remove them, that it is a law for them to report who pulls our credit reports. However we did not authorize these inquiries.

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 01/13/2017 about Debt collection (Payday loan) with TrueAccord Corp. (PA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I received a payday loan several years ago and continuously receive harassing and abuse emails from a 3rd party debt collector - to my personal email address. The emails are abusive, continuous, and seem to become worse. I receive abusive emails -approximately one email every 8 days. Via these emails, I have been harassed consistently, called irresponsible, and also called childish. I have received a total of XXXX harassing emails since XXXX 2015. I have saved all emails from this collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: On my credit report my name appears 5 ways.

1. XXXX XXXX XXXX Name ID # XXXX 2. XXXX XXXX Name ID # XXXX 3. XXXX XXXX Name ID # XXXX 4. XXXX XXXX XXXX Name ID # XXXX 5. XXXX XXXX Name ID # XXXX Number 2 is the correct one. 



On my credit report. There are incorrect addresses. 

XXXX XXXX XXXX EXT # XXXX XXXX, NY XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX, NY XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX, NY XXXX Address ID # XXXX Multifamily All of these are incorrect information and I never at any point in my life lived in XXXX NY.

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 10/30/2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I used an XXXX in which my health insurance covered and I paid the copay right then and there and now I believe this is the XXXX company that has somehow found out about that visit and is calling/mailing me for a collection of medical debt I never owed.I 've checked online with my insurance company and I do not owe any debt for it. Nor do I see any of this " debt '' on my credit report. I 'm not a person that typically likes to owe money to anything so it 's very weird that I keep getting these past due balance letters and calls. So I can only assume this is a very realistic scam.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is no such judgment of record # xxxx from this Court for this date for this amount from this creditor. 
I have certified documentation from the Court that supports my dispute of this erroneous entry on my report. 
If this entry is verified, please send me the name and address of the provider or furnisher providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 
Please note that your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on " Abusive '' Acts or Practices. XXXX Section 1031 of the Dodd-Frank Act XXXX There are XXXX judgements reporting that are not recorded judgements with the courthouse. This is ruining my credit. The courthouse also confirmed that they do n't report to the credit bureaus so there 's no way the bureau could verify with them PLUS it 's not even recorded so there 's nothing to verify.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-05-2017 about Student loan (Private student loan) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: .I was shocked when I reviewed my credit report and found late payment on the dates below : 120 days late as of XXXX XXXX 120 days late as of XXXX XXXX 120 days late as of XXXX XXXX 120 days late as of XXXX XXXX 120 days late as of XXXX XXXX 120 days late as of XXXX XXXX 120 days late as of XXXX XXXX 120 days late as of XXXX XXXX 120 days late as of XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/24/2016 about Debt collection (Medical) with Diversified Acceptance Corporation (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This is not a ligament claim for a wellness.program as they are claiming. That was paid in full they took all payment on my credit card which they had on file with my permission to do only, but a bill for vet. services that resulted in a loss of a pet during XXXX due to over satiation thus XXXX procedure. What they are trying to collect now is the main vet. bill. 
Procedure took place in XXXX 2014 and is just now being addressed on my credit as outstanding debt/collection not valid collection. 
This matter needs further investigating. 
Please advise a.s.a.p. as to what is being done. 
I have already put in a dispute and have not heard anything as of yet on this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 06-10-2017 about Debt collection (Private student loan debt) with First Associates Loan Servicing LLC (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In    2013  I considered taking a course at  XXXX   XXXX   College  online and was told the loan would be throu gh First Associates. I never took the course therefore I am not responsible for the loan ... .I spoke with First Associates and they stated that they had paid the school and I was responsible for the loan. A representative from First Associates called and wanted me to ver ify personal information as a victim of identity theft I did not feel comfortable doing so. The representative hung up and next thing I know the account was placed in collections.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Payday loan, title loan, or personal loan (Installment loan) with Big Picture Loans, LLC (OH).
Issue: Charged fees or interest you didn't expect

Complaint: Hello, Several months ago I needed a payday loan.. I understood the terms were not favorable due to the nature of the loan and the risks involved for the company.. However, this is getting ridiculous. I took a {$1500.00} installment loan over 4 months ago and they have been taking out {$370.00} per check since XX/XX/XXXX. Every 2 weeks. That is over {$4500.00} paid for a {$1500.00} loan? On their website, I can not see the history anywhere and they are not responding to my requests to stop withdraws. I can not afford this any longer, it is putting my life and finances in serious jeopardy. I 'd like to stop all the collecting, I 've paid off my loan in full plus so much interest and fees. Their website gives me no information? PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Everytime I call Navient and attempt to speak with a customer service representative, I get the run around in their automated system. I attempt to circumvent that by trying different options, hitting zero, etc. but all that ends up happening every single time is the system tells me " it does not understand my response '' and tells me to go to their website and then disconnects me.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On or about  XXXX / XXXX / XXXX   Trans Union  reported  XXXX  student loan as 'unpaid balance charged off '. On other dates listed in credit file number  XXXX  included the same account numbers listed as "  XXXX  '' address  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  SD reported account numbers  XXXX  as date opened of  XXXX . Changed to another account number by   XXXX   XXXX  . On other previous occassions  XXXX   XXXX   XXXX  reported 90 day past due marks on credit account. All of which where erroneous.  1 ) Reported payment history deleted 2 ) Reported statues erroneous 3 )  Reported past due erroneous  XXXX . Furnishing certain deceptive forms " It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in. ''  XXXX  False or misleading representations " Communicating or threatining to communicate to any person credit information which is known or which is known to be false, including the failure to communicate that a disputed debt is disputed ''. Sec  617 A ny consumer reporting agency or user if information which is negligent in failing to complywith any requirement imposed under this title.  ( 2  ) in the case of any successful action to enforce any liability under this section the costs of the action together with reasonable attorney fees as determined by the court. Sec  611 ( c ) " Whenever a statem ent of a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelavent the consumer agency shall clearly note that it is disputed by the consumer and provide the consumer statement or a clear and accurate codificatuin or summary thereof ''.  XXXX   XXXX   False or  misleading representations  ( 10  ) " The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer ''.

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 06-01-2016 about Consumer Loan (Vehicle lease) with AMERICAN HONDA FINANCE CORP (NJ).
Issue: Managing the loan or lease

Complaint: Auto lease matured in XXXX XXXX and I extended for 6 months. Since the inception of the auto lease, I had automatic deductions made by Acura Financing with no problems. In XXXX XXXX, I extended the lease for another 6 months. In XXXX XXXX, I noticed that Acura Financing did not take out the payment for XXXX XXXX, XXXX and I contacted them on XXXX XXXX, XXXX and they told me I had to sign an extension form and fax and auto payment would resume, which I did. I manually paid XXXX payment on XXXX XXXX, XXXX. Yesterday, I received a call from Acura Financing that XXXX and XXXX payments were not made. I went onto my bank site and determined that was correct, payment was not made. I asked XXXX XXXX why they did not resume auto payments after my discussion on XXXX XXXX, XXXX. The representative from Acura Financing could not explain and read the notes from my previous conversations with Acura Financing ( when I was less then 30 days delinquent ) and could not explain why payments did not resume, especially since this issue did not occur on my first extension AND I called Acura Financing to rectify the issue in XXXX XXXX ( which was not done ). Acura Financing has my email address and I 'm not certain why they did n't email me immediately when the payment was not made. Having auto payments for 4 years stop with no notification from Acura AND for Acura not to notify me of an issue is not acceptable. I have checked my credit reports and they all show that I paid 48 months without incident and that effective XXXX XXXX my account is greater than 30 days past due. The non-payment is due to Acura 's error AND having my email address, I would expect when I am one day late, that I receive an email from them. 
Please also note that I have not had use of my car because of the XXXX airbag recall and Acura supplied me with a stripped down Jeep Patriot rental in lieu of my Acura RDX - so that is further insult to injury. I 'm leasing an Acura RDX, but driving a Jeep Patriot. Something is not right here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-10-2015 about Bank account or service (Checking account) with SCOTTRADE BANK (CA).
Issue: Account opening, closing, or management

Complaint: According to a number of recent articles released today, such as ( XXXX ), Scottrade Bank as well as Scottrade XXXX was the victim of a financial attack. 

Scottrade was informed of these problems via complaints filed with the CFPB nearly 2 years ago today. 

I would like to know why Scottrade ignored the tips and put customers at risk. Furthermore, within the Federal Complaint, it says Scottrade XXXX XXXX is the victim which means the hackings encompassed both Scottrade Bank and Scottrade XXXX.

Company response to consumer: Closed
Consumer complaint received 01/22/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The original creditor was XXXX XXXX. It is a paid chargeoff, collection debt. I have been attempting to have the item removed off my file. My dispute was erroneous information, the date opened, the name and the actual date that Portfolio obtained this debt is wrong. I requested actual validation and they sent me 2 sheets of paper and the dates on the paper are the year of XX/XX/XXXXand XXXX and Portfolio did n't obtain the debt until XX/XX/XXXX. I sent correspondence to Portfolio and the credit bureaus on numerous occasions explaining that the information had to be correct and it is n't. I want the item deleted so I may move forward in my quest to have excellent credit. The debt is old and paid it has no purpose except to report as a negative item. I communicated with the credit bureaus and Portfolio on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and I spoke with a XXXX XXXX in the dispute department of Portfolio about my concern and he told me that he understood and I thought I heard him say that the item would be deleted but as of today it is still in my credit file. So I am pleading for assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Student loan (Federal student loan servicing) with Equitable Acceptance Corporation (AL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: My wife and I were approached by a third party company that handled our student loans. The agreement they made was to debit {$39.00} from each of us each month to handle our student loan account. The agreement that was that until we could afford to make our student loan payment, the {$39.00} payment would be charged to us and the payment would also be added to the balance of our past due student loans. We recently learned that none of the payment is going toward our loans and that this service is not doing anything that is necessary to the principal balance of our loans. We would like our money refunded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Mortgage (Conventional home mortgage) with TD BANK US HOLDING COMPANY (ME).
Issue: Trouble during payment process

Complaint: Our initial complaint # XXXX, asked for a correction dating back as far as XX/XX/11. Thank you XXXX & XXXX for your partial effort. TD Bank finally recognized they made an error. They credited the over {$6000.00} in fees but would not recognize that every fee payment on our history should have gone towards our balance. Thus reducing the balance and interest calculations. They were supposed to send an updated payment history showing the correction and all payments to date. 
We again ask that all " FEE PAYMENTS '' since XX/XX/2011 are correctly applied to the " POST BALANCE '' as of the day they were charged. Thus requiring a recalculation of all since XX/XX/2011. 
This at the 11 % rate should give an accurate final payment so we can put an end to this nightmare.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/15/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: On XXXX/XXXX/2014, there was a judgment rendered against myself and wife for unpaid rent. The facts were inaccurate, rent was paid, and there should n't have been a judgment. The current property manager agreed and we thought it was over. Nevertheless, the judgment was submitted and has been on our credit reports for a while, and we did not know. After attempting to apply for credit, we were denied several times and the hard credit inquires were also creating a negative effect on our credit rating. We notified the property manager, and they worked with us and were kind, because it was there mistake. They sent a letter to the courts, requesting that the judgment be vacated. After calling the courts, they seemed disinterested. The clerk stated, " if the judge decides to remove the judgment, we 'll let you know. '' We have been treated as if we were criminals. Maybe it 's because I talk with an XXXX voice and my wife has a XXXX last name and we were profiled. We are not the criminals. In fact, it against the law for the judgment to even be on the credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Debt collection (I do not know) with The Thomas Agency, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I found this company reporting to the credit bureaus that I am in collections on an account. Subsequently, I sent them a letter via certified mail to the address on my credit report same as on the XXXX website but it was returned undeliverable. Thinking this was an error, I re-sent the same letter again double checking the address. Unfortunately, based on me checking the USPS website for delivery confirmation the letter has still not been signed for and appears it is on its way back to me again. It seems that they are rejecting certified mail. It is unfair of them to report things on a persons credit report and then refuse to communicate via mail concerning the debt and how the error can be resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Deposits and withdrawals

Complaint: My name is XXXX XXXX and I have a checking account with " XXXX ''. Also I have a really small business with XXXX ( fictions name XXXX Professional Services ). Customer gave me a check for services I provided to him and I posted it to my checking account. Check cleared and everything was fine until Monday XXXX/XXXX/XX/XX/2015. Chase reversed deposit saying I can not post checks with business name on it. 

Is there any limits of using " checking account ''?

Company response to consumer: Closed with monetary relief