milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-11-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (IN).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: My niece defaulted on a student loan of {$9100.00} through XXXX XXXX on which I was a co-signer, that was referred to XXXX XXXX. I have now lost contact with my niece ( she finished XXXX XXXX and XXXX XXXX XXXX ). The loan went to Navient and now they have turned this over to XXXX XXXX agency. The have offered two options : Pay a lesser amount on the loan ( {$4400.00} ) or pay XXXX to take my name off the loan. 

My question is whether this is even legal since XXXX XXXX says only the original loan holder can ask for the co-signers name to be removed? 

I want this to be resolved with least cost to me but that will restore my credit ( otherwise excellent ).

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Vehicle loan or lease (Loan) with Automobile Acceptance Corporation (GA).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: On   XX/XX/XXXX ,  I purchased a vehicle a   XXXX   XXXX   XXXX    from  XXXX  of Georgia. On   XX/XX/XXXX , I found out the vehicle was no good meaning the motor and catalytic conve rter was gone out. I took the car back o n    XX/XX/XXXX  less than 24 hours later after purchase also being told at the  time I sign the contract that I had 72 hours to return the car if I decide I did not want it. When you bring the vehicle history up on this vehicle connected to VIN   XXXX   may have been recalled. Check full report for more information vin #  XXXX  ... this comes up. I was told by  XXXX  who is now working for   XXXX   XXXX   XXXX   in   XXXX   XXXX  , GA the vehicle was sold and they had already receive a check for the vehicle. I ask who was my finance company and she replied Automobile Acceptance. On   XX/XX/XXXX  , I went to the finance company in  XXXX , GA and told them that I no longer wanted the car and that I have 72 hours to bring it back and I was well within the 3 days and the credit manager replied they had already electronically sent  XXXX  check and conveniently   XXXX   closed down everywhere. The credit manager said it would be a repossession if I return the car so she convince me to keep the car. It became very hard to maintain the car and the payments so I voluntarily gave the car back. The car has been charged off on my credit and now Automobile Acceptance are suing me for almost $ 15k with 12 % interest. I was initially tried to be served in  XXXX  county   XXXX   XXXX  , Ga but when I went to  XXXX , GA Magistrate court and was the served with this civil suit, in which ; I find illegal and unethical. I will upload s upporting documents that will show the vehicle loan was charged off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Late fee

Complaint: In XXXX, 2015, Bank of America performed an update to their systems ( as per the representative at Bank of America ). The representative explained that as a result of the update, this caused XXXX and stored sources of customer payments ( such as checking accounts ) to be erased. 
I was not aware of this issue until I received a notice from Bank of America that XXXX of my credit card accounts payments was past due. It ended up being the account I had set up on auto-pay years earlier, and the payments were always made on time ( the amount of payments above the minimum payment amount ). 
When I called Bank of America customer service number at XXXX about the late fees they assessed, they directed me to call their auto pay department at XXXX. 
I contacted the auto-pay number and spoke to XXXX. He advised me he would be able to reverse the {$25.00} fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Debt collection (I do not know) with Scherr & McClure (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am being harrassed on Continuous calls troughtout the day, at least 3 x per day

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Payday loan () with ACE CASH EXPRESS, INC. (TX).
Issue: Received a loan I didn't apply for

Complaint: XXXX XXXX from XXXX XXXX XXXX contacted me from XXXX stating I owe a loan and I need to contact by end of business day or I may be charged by my county for a case. I have been receiving harrassement phone calls to me and family members. I received a contract to sign via email from XXXXXXXXXXXX to make arrangements to pay XXXX installments to stop case from escalating. after I agreed I did further research to originally debtor to find out this loan from longtime ago has been in good standing and has not been forwarded to this collection agency in question. I feel I have been scammed and they got XXXX installment from me but no more. they are very convincing so I was afraid and got scared so they can leave me alone.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My loans are not affordable..I have been harassed by them in the past calling over 3 times daily..

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Transunion has fail to provide accurate and timely response of negative unverifiable information on my 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 explanation
Consumer complaint received 03/25/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Problems caused by my funds being low

Complaint: I am a TD Bank account holder. I receive overdrafts for what I believe are not fair practices. If I make a charge that will overdraft my account, it is put in pending. If that same day or the next day that I notice it, I make a deposit, that same deposit is put as pending. When they clear, even if cleared the same day or the deposit clears prior to the expense, an overdraft fee is assessed. 

Additionally, it becomes difficult to track because of the disjointed design of the banking statements and online account view. 

The statement separates deposits, expenses and daily balances. The online view will show as things clear ( my account has not gone negative according to just the last week, yet I 've been charged almost {$200.00} in overdraft fees ). 

I attempted to speak to TD about this and they refuse to acknowledge the usurious nature of these practices.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Struggling to pay mortgage

Complaint: I really need someone from the  executive  office to return my call.  XXXX   XXXX ,  XXXX   XXXX  or his assistant. No one from Bank of America will help me. When I ask for a supervisor they hang up. Simply because she is in the Merrill Lynch branch. I called back and  XXXX   XXXX  said he did try to send his supervisor but advised that his supervisor would be too busy to call me back. I wanted to complain about the unprofessional behavior of  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 06/18/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I used the Experian site to receive my credit report for {$1.00} as advertised on the site, but without my being aware of it the company also signed me up for a credit report monitoring service with a monthly fee, and I did not realize it until I saw an additional charge of {$21.00} on my credit card the following month. The company did cancel the " subscription '' after I contacted them, but they refuse to refund the {$21.00} fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: TD Bank is reporting account number XXXX twice as a charge off account to XXXX. On page 23 of the XXXX report dated XX/XX/XXXX it shows account number XXXX, last reported on XX/XX/XXXX, open on XX/XX/XXXX, went into Charge Off in XX/XX/XXXX with a balance due of {$3300.00}. On page 25 of the XXXX report dated XX/XX/XXXX it shows the same account number XXXX last reported on XX/XX/XXXX, open on XX/XX/XXXX, went into Charge Off / Sold or Transferred in XX/XX/XXXX with a balance due of {$0.00} NOTE : Page 23 has account number XXXX as being open on XX/XX/XXXX ; Page 25 shows the same account number XXXX as being open 9 days later on XX/XX/XXXX I have contact TD Bank Via Phone on XX/XX/XXXX and on XX/XX/XXXX I have sent them every document they have requested, in both conversations I requested that one of the entries be removed because both entries have the same account number and they are causing double the points to be removed from my credit score, TD  Bank has refused

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Credit report shows I am in collection for {$1700.00} debt not mine. Store not around, never been billed, debt from XXXX contacted credit report ( XXXX ), XXXX XXXX XXXX collection agency and have not had it 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 non-monetary relief
Consumer complaint received 03/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with BYL Collection Services (NV).
Issue: Problem with customer service

Complaint: Byl needs to recognize that the account should not have been put on my report, because I was never given proper notice to resolve matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Transaction issue

Complaint: Since XX/XX/2016, I have had issues with XXXX merchants for services/products not received. I disputed the charges on multiple occasions to have them reversed. I also submitted documentation to the fact. CitiBank has willfully neglected the information I have provided and allowed by account to go into a state of applying credits to disputed items. I requested my account closed on several occasions and was denied.

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 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In response to Transunion 's multiple glitches in XX/XX/XXXX and XX/XX/XXXX relating to " disappearing '' and " reappearing '' inquiries, I requested the removal of the inquiries from my credit report as I felt the information on my report was n't being securely stored or accurately reported. I called transunion and they were not able to remove the inquiries on my 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 explanation
Consumer complaint received 02/22/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Problems caused by my funds being low

Complaint: Wells Fargo bank continues to charge my personal checking account with NSF fees, it is now over {$700.00} i called and made a payment arrangement to pay for the amount overdrawn and i requested to see if I qualified for a waiver. they said no and they continue to charge me for fees when they are not honoring the payments so theres no way they can block the charges and they dont want to credit me for the NSF 's even when they are not paying out any of the payments. this is abusive and predatory, they are unwilling to work with me even after i made an arrangement to brign this account current.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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 University has violated my rights under FCRA. They placed a charge off account on my credit report in XX/XX/XXXX that is inaccurate. They certified to Experian that I settled an account with them in XXXX. I sent a debt validation letter to XXXX XXXX over 30 days ago, and they have not responded therefore they need to remove the account from my credit report. They reported I settled an account with them, but have failed to provide proof that this occurred. I am planning to file suit due to their dishonesty. 

Experian continues to report debt but has not verified the accuracy of the account even though Ive disputed it several Times. Experian allowed XXXX to report this account last month as a charge off settled legally for less than what is owed. I never settled an account. I do not have an account with XXXX XXXX. This is inaccurate reporting and both companies have violated my rights under FCRA. I have filed a complaint through BBB. The next step will be a lawsuit against both companies.

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 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Credit reports show CHP XXXX as a CHP XXXX. All of my debt before XXXX 2017 have been discharged. Credit report should be reporting a CHP 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 02/27/2018 about Debt collection (I do not know) with Adler Wallach & Associates, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I disputed this collection since its not a debt that I took but I didn't hear back from the company

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Debt collection (Medical) with FINANCIAL ASSET MANAGEMENT SYSTEMS INC (GA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: They did not responded to a challenge validation debt request. Later after 30 days of not responding certified mail letter of cease was sent, in spite of this FAMS has continue with demanding letters of collection. Both times that I wrote FAMS was thru certified mail. I have a copy of the validation challenge request certified mail sent to FAMS and the certified mail to cease of collection.

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 05/15/2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: After receiving letters from Midland Funding I decided to pull my credit report to realize that Midland Funding was and still is reporting inaccurate information to the credit bureaus. I 've been sending letters for the last XXXX tears trying to resolve this issue. I 've requested any documentation that they have on these alleged accounts ( statements, checks, payments ... ) All they could do is to provide me with the information of the original creditor. I 've contacted the alleged original creditor and they are not longer reporting these accounts on my credit report after my claim. They purged the accounts. 

However, Midland is having a hard time letting go. The alleged debt is over 5 years old, original creditor is not reporting, they keep reporting in a monthly basis even when I have disputed this information with them ( they are not supposed to as they are supposed to investigate and during that time they are not allowed to report ). All I get are generic letters about my issue. Only after a XXXX complaint I received a personalized letter giving me the information of the original creditor. There is not original creditor, they are not reporting these accounts. They declined any communication regarding these matter and avoided the main factor here which is the fact that those accounts do not belong to me. I have sent them an " Intent to sue '' letter and they have ignored me once again. This is my last step before I move forward with the lawsuit that is just ready to be filed. 

It 's just frustrating that they are pursuing a ghost debt in a very illegal way. This should had been easier and we all should avoid the expenses to come from a lawsuit and fix this. 

The only collections on my credit report are from Midland! It 's so ridiculous. Thanks to them I have been declined credit and had to present several additional evidence in the purchase of a house. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Spoke to bbt, forwarded documentation supporting my claim of this account being fraudulent. It was agreed to be removed, but still showing on chexsystems. I have also today ( XX/XX/17 ) contacted my lawyer who will be sending out intent to sue letter, I have had my rights violated under the fcra. Asking that this account be removed from the chexsystems file 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 explanation
Consumer complaint received 03/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations.

Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Reporting Data Provider -- > XXXX XXXX XXXX Not Proven Compliant Account -- > 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 04-02-2015 about Debt collection (I do not know) with Halsted Financial Services, LLC. (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: A company identifying themselves only as " Halstead Financial Services '', through robocalls from multiple numbers, listed below, with dates and times, is calling, and leave a message, transcript below. Attempts to contact them have been unsuccessful to date. 

The phone call is : " This message is solely intended. XXXX. NAME. If you are not. NAME. Please hang up now and disregard this message file number XXXX which was placed with Halston Financial Services has been escalated to our final review department due to a lack of a response from the required responded. XXXX full review of this file is being conducted by XXXX of our Loss Mitigation Specialist and a recommendation actions work line is a minute. In order for your personal statement to be included in this review press XXXX now to speak to the representative responsible for conducting this review or call XXXX XXXX XXXX XXXX immediately upon receipt of this message. Failure to respond will result in our recommendation being submitted to our client without your personal statement being included. " Dates, times, and phone XXXX - Flushing XXXX MI XXXX/XXXX/2015 XXXX - Flushing XXXX MI XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX

Company response to consumer: Closed with explanation