milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-10-2017 about Checking or savings account (Other banking product or service) with CHARLES SCHWAB CORPORATION, THE (CA).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: On XXXX XXXX, 2017, I received 3 statements from Charles Schwab, indicating that I had recently opened up accounts with them. Each statement had 3 different account numbers listed and wanted me to verify my information was accurate. I had no knowledge of opening up these accounts with Charles Schwab and called them immediately. I spoke to a representative who asked me a couple of security questions and realized this was fraud when my mother 's maiden name was not established by whoever opened the account. My address was also listed in Georgia when I live in California. The representative transferred my call to the fraud Department, where additional information was taken from me. I was told that my case would be investigated and a fraud response provided when the investigation was complete. The fraud representative advised me to place an alert on bank accounts, credit bureau 's, CFPB and Identity Theft.gov, in addition to filing a police report. I am currently in the process of doing these recommendations.

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 10-10-2017 about Checking or savings account (Checking account) with U.S. BANCORP (CA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: Terms of opening account were {$200.00} for making XXXX bill payments. Never received, company representatives have told me I should have received it already.

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 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
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 XXXX dba XXXX XXXX is reporting {$6400.00} owed to my XXXX and Experian Reports as of X/2017, and I 'm no longer liable for that debt due to it being charged off to XXXX XXXX, a 3rd party debt collection agency. The charge off balance is incorrect, aand should reflect a {$0.00} owed with it being charged off to XXXX XXXX. Collecting on a debt that has been charged off and sold to a debt collection agency is a direct violation and unlawful according to CFPB and BBB. I will file a complaint against XXXX XXXX XXXX XXXX / XXXX XXXX XXXX for falsely trying to collect on a charged off debt that I 'm no longer liable to them for. I sent several letters to XXXX and Experian in regards to validating the reporting of this correctly, and each time, I get no response back to the 609 letters I have submitted via USPS. I provide signature confirmation to show that each letter sent was received and sent to the correct address. 

Please investigate this and have this removed from my XXXX & Experian 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 explanation
Consumer complaint received 02-10-2018 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 information incorrect

Complaint: In or around XX/XX/2016 i opened a credit card with XXXX XXXX i moved away from my home that same summer so i was still receiving mail to my old home however i made every payment by mail XXXX   claimed they never recieved it XXXX later a representative called me and told me i had an outstanding balance and they never recieved a payment i told the rep although i am out of work i always made sure i sent my payments in so i made the payment right away with the representative through my checking account i asked the representative if these non payments were sent to the credit bureau Wich can damage my credit the rep stated she will have these late payments removed so it wont effect my credit because i made a payment upfront of XXXX $ and it was an honest mistake and miscommunication with XXXX XXXX and myself however here i am almost 2years later now suffering of bad credit because of 6late payments that has been reported to the credit bureaus by XXXX XXXX and they refused to remove it even though all my payments are current and i am working on Paying them off and there representative said they will be removed i tried everything i can possibly do in my Powerss to have them removed i disputed it with all credit bureaus XXXX   XXXX TransUnion you name it i hired XXXX XXXX i called XXXX XXXX  a million times they told me no error was fount requested a supervisor 3times and they told me i will recieve a call in 24 to  48 hours all 3times never recieved not one call i requested a goodwill adjustment they refused i dont want to take legal action they suspended the account Wich is fine i dont care about that they can keep the suspension on the account but i need the late payments removed something has to get done this is unfair if anyone takes a look at my credit report i have 5credit cards not one late payment besides XXXX XXXX the worse bank by far anyone who just neglectfully not make payments should be punished in this way

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 05/25/2017 about Vehicle loan or lease (Loan) with EXETER FINANCE CORP. (NY).
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint: In or around    XXXX   XXXX   , lifelong trusted friend, approached me about co-signing for a car. I was under the impression that co-signer meant a witness to the transaction or to confirm that Ms.  XXXX  was of good character. In or around    XXXX   XXXX   , I accompanied Ms.  XXXX  to  XXXX   XXXX   XXXX . At the time of signing, the car dealership representative directed me to sign here, noting that the signatures were just formalities. The representative did not explain to me what exactly I was signing or inform me of my responsibilities as a co-signer.   After signing, the representative did not provide me with any copies of the documents related to the car. Instead, he told Ms.  XXXX  and I that the documents will be mailed to you. I had expected to receive the documents in the mail, but I never obtained the documents evidencing my obligation as the co-signer on the transaction. I discovered that the car loan was reporting negatively on my credit report when I was denied for a home loan in late  XXXX . I did not recognize the  Exeter  account on my credit report, so I contacted  Exeter  using the information listed on my credit report.  Exeter  explained that I had co-signed for the car, and thus if Ms.  XXXX  defaulted on payments, the account would become part of my credit report. Exeter also sent me the  Simple Finance Charge do cument, which was the first copy of the Simple Finance Charge that I had ever received. After sending a verification letter to  Exeter  on   XXXX   XXXX   XXXX  , I received the statement of the account, a copy of a monthly statement, and another copy of the Simp le Finance Charge. How ever, I did not receive any documentation that proves I was reasonably informed of my obligations as a co-signer at the time I signed for this account. Pursuant to New York Obligations Law 15702, before a co-signer becomes obligated on a consumer credit transaction, the creditor is required to deliver to the co-signer a complete copy of each note, contract, or other writing evidencing the obligation of the co-signer on the transaction, and a written notice that identifies the debt the co-signer may have to pay and reasonably informs the co-signer of his or her obligation with respect to it. According to New York Obligations Law 15702, if a creditor fails to comply with these provisions, the co-signer shall not be obligated as a guarantor of payment.   At this point, I contacted the lawyers at the  XXXX   XXXX   XXXX . They wrote to Exeter on   XXXX   XXXX   XXXX   requesting that they produce documentation that proves that I was reasonably informed of my obligations as a co-signor at the time of signing as required by the law. To date, Exeter has not produced any documents nor have they responded to my lawyer 's letter. In violation of the law, they continue to report this account to the credit reporting agencies and have not removed me as a co-signor.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Debt collection (Medical) with John C. Heath, Attorney at Law, PLLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I contacted lexington law in the hopes that they could assist me in credit repair. They reassured me they could and would do what they could to make things better, stating it would take up to 6 months before I saw results. However, they decided to dispute many things on my credit report without my knowledge, even going so far as to creating letters and signing my name without my permission. They did this with the XXXX XXXX XXXX where the lovely ( I use this with high sarcasm ) XXXX XXXX has been a nightmare to work with. I have contacted her twice asking the dispute be removed and she refuses to do so unless I pay her upfront. Is n't that illegal? Other collection agencies happily obliged to my request after hearing what Lexington Law had done, however, XXXX has not. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Debt collector calls almost daily indicating they are going to sue and this your " last '' chance to resolve. Debt collector indicates suit paperwork is in the mail. Debt collector calls relatives and neighbors. Debt collector continues to call after being asked repeatedly to stop communication. Debt collector is attempting to collect ( and threatening to sue ) on a debt that is over 10 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Concord Servicing Corporation (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I pulled my credit report from XXXX. XXXX XXXX XXXX is showing inaccurate information for timeshare maintenance fees. There is no account number on the report and the amount owed is questionable. Upon my research, I also found out that the creditor must report both positive and negative information. This report clearly does not.

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 06/30/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am writing to dispute the following information in my file. The items I dispute also I have the attached copy of the credit report I received. Such as credit account, judgment, etc. ) Is ( inaccurate and incomplete ) I am requesting that the item be remove corrected. 
Please reinvestigate this ( these ) matter ( s ) and ( delete ) the disputed item ( s ) as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The following account isnt not mine. Equifax deleted and permanently blocked the following account from my Equifax credit report between XX/XX/XXXX through XX/XX/XXXX : XXXX Child Support Enforcement. The account has been put back on my credit report, even though, Equifax deleted and permanently block this account from my credit report between XX/XX/XXXX through XX/XX/XXXX. The account is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I have already disputed this company named   XXXX   XXXX    with Experian in the month of  XXXX .2017 by writing several letters to them about how   XXXX   has not responded to any letters that I wrote to them about disputing my account. On  XXXX   XXXX , 2017, Experian had mailed me an investigation letter about   XXXX   XXXX  . I had written them a letter to investigate this company in   XXXX   2017 and they had 30 days to do their investigation. I am just getting a letter (  XX/XX/2017  ) from Experian that they have finished their investigation into the company and they had verified information my account being legit. First of all, I had written Experian a detailed letter about what I was requesting from them during their investigation, I never received any information from them about them continuing the investigation or that it was taking longer than 30 days. I have also written to   XXXX   and   XXXX    about the investigating   XXXX   XXXX   and they had 30 days to investigate this company to send me any documentations proving that the account with  XXXX  was legit and if not then delete their entry from my credit report. They deleted  XXXX  from my credit report saying they could not contact the company for any information within 30 days. Their investigation ended with deleting the entry from my credit file. Now Experian took more than 30 days and they have broken The Fair Credit Reporting Act law and I want them to delete   XXXX   XXXX   from my credit report file. I disputed this account in  XXXX . 2017 and Experian had 30 days to do their investigation according to my letter to them and they did not meet the FCRA law. I have letters that I have written to Experian to prove that they have broken the FCRA law.

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 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: the account was opened on XX/XX/XXXX. the acciunt was closed out XX/XX/XXXX. this account had been reported 4 seperate times on my credit report which is affecting my debt to uncome ratio. this negative information is also affecting me from obraing any new credit. the amounts are showing differently on all three reports. thr company sent me a letter showing paid. at the oint i just want the 4 inaccurate accounts removed since they are paid in full. ivr asked the company to fix this issue but they advised me to dispute with thr bureaus. please help me. i dont think that they can legally keep falsely reporting inaccurate info.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2015 about Credit reporting () with LEXISNEXIS (WA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX employees caused a dent into my car while parked with their crate cart and paid to get it repaired through their insurance company. They are now reporting it under my accidents and causing a huge difference in my premiums. This accident should have been reported under collision and it is affecting my insurance premiums for the past 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Vehicle loan or lease (Loan) with Go Capital Holdings, LLC (NC).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: Engine went out while still making payments

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 11/17/2017 about Debt collection (Medical debt) with Receivables Management Partners, LLC (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX / XXXX, claim I allegedly owe {$40.00} for a doctors visit I do not recall. I have repeatedly asked them to either send me a copy of the invoice or stop calling me daily, do date, they have done neither.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2016 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (GA).
Issue: Managing the loan or lease

Complaint: On XXXX XXXX 2016, I received an online offer for GM Financial 's deferment program. I was approved for the program that would defer payments for XXXX 2016 and XXXX 2016, and apply them on the end of the loan. This would allow my account to remain in a positive status. I was advised that interest would continue to accrue, but the late fees would be waived. I accepted GM Financial ( GMF ) offer and agreed to pay a processing fee of {$270.00} by XXXX/XXXX/16. I paid the processing fee as agreed by the due date. I was approved for the deferment when my account was 28 days past due. However, GMF reported my account as 30 days past due status to XXXX. I contacted GMF on XXXX/XXXX/16 and spoke with " XXXX '' who advised me that this was impossible, as GMF has n't reported any updated account information to XXXX. Nevertheless, I disputed the late payment with Equifax on XXXX/XXXX/16 and XXXX/XXXX/16. The following is a timeline of GMF payment status changes to XXXX : XXXX GMF reported my account as " not more than two payments past due '' XXXX GMF reported my account as " Pays as agreed '' XXXX GMF reported my account as " not more than two payments past due '' XXXX GMF reported my account as " Pays as agreed '' XXXX GMF reported my account as " 30-59 days past due '' My account is being reported as 30-60 days late with XXXX and XXXX as well. I have disputed the error with them, but my account continues to fluctuate between a positive and negative status similar to XXXX. 

I have contacted GMF on the following dates regarding this issue : XXXX/XXXX/16 XXXX/XXXX/16 XXXX/XXXX/16 XXXX/XXXX/16 Each time, I have spoken with a different representative, each claiming my account is not being reported late. I received GMF " credit-reporting letter '' XXXX/XXXX/16. However, the account was still being reported as negative. Thus, I submitted a complaint to GMF complaint department five days later requesting the error be corrected and I be forwarded documentation regarding its resolution for my records. I have not received a response. The account remains incorrect. 
I am extremely frustrated with this process. I am unable to reach a resolution by calling, writing, or disputing. I am disappointed none of the GMF customer service representatives took the initiative to take ownership to correct the issue. I have not been 30-60 days past due as the deferment was approved prior to my account being 30 days past due. Any assistance would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (AL).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage was sold by XXXX to Loancare. Received letter from Loancare dated XXXX/XXXX/XXXX ( I did n't open until XXXX/XXXX/XXXX ) informing me that the loan was transferred and to make payment to Loancare. Attempted all day that day to get on Loancare web site to make payment. It allowed me to create an account but would n't allow me to enter my account. Next day XXXX XXXX/XXXX/XXXX XXXX tried again unsuccessfully to get into web site. Called customer service number. Unable to reach a human being. Entered all information computer asked for : they had no record of our loan number, social security number or zip code. Mailed a letter to Loancare, XXXX. XXXX XXXX, XXXX XXXX, VA XXXX, via certified mail return receipt requested informing of situation and requesting response. Received return receipt XXXX/XXXX/XXXX. To date have not received a response to the letter. XXXX XXXX received XXXX letters from Loancare, XXXX dated XXXX and XXXX dated XXXX telling me that my loan payments were late and they were going to start collections, etc. Went online that day ( XXXX/XXXX/XXXX ) and this time the website allowed me in to my account and allowed me to make an online payment which I did at XXXX which consisted of two months ' payments plus my usual extra principal of $ XXXX/mo for a total payment of {$2700.00}. Attempted to register at that time for auto draft, but got message that late payment had to clear before registering for auto draft. Went back online on XXXX/XXXX/XXXX and successfully ( or so I thought ) registered for auto draft. Set up draft effective XXXX/XXXX/XXXX with a draft date delay of 4 days so that the payment should have been drafted XXXX/XXXX/XXXX. Fortunately I made an entry in my calendar to check to see whether the mortgage was drafted. Checked today ( XXXX/XXXX/XXXX ) and sure enough, the payment has not cleared my checking account. Signed into Loancare 's web site and see that they have not taken the payment. Made a one-time payment online of the regular monthly amount plus extra principal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation