milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/26/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have contacted Lvnv funding LLC several times in an attempt to get validation of debt. I never received anything validating the debt but yet the credit bureaus keep reporting that the debt comes back verified. The only communication I have received is an attempt to settle for  XXXX  instead of a full balance of {$310.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Debt collection (Medical) with Professional Recovery Management (TN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This company has not provided me validation of this debt. I have never done business with them, so I have no idea who they are and why they think I owe them money. While doing my research in who they are I 've also learned that their license with the Tennessee Department of Commerce has been expired since XX/XX/XXXX. They are authorized to collect on any debt without a license. I would like this debt removed from my credit reports immediately please

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I have spent over XXXX total hours of phone time, 1 hour of travel time, faxing VALID documentation on a debt which needed to be DELETED from my credit file, per the request of Equifax 's supervisors. I 'm in the middle of underwriting for a home mortgage and had a debt appear on my report, which was an ERROR on behalf of XXXX. 

XXXX submitted their error and request to have it DELETED from my report, TO ALL XXXX credit agencies, Control Number XXXX on XXXX XXXX at XXXX XXXX CST. ALL CREDIT AGENCIES need to delete it from their reporting. However, I need the reporting expedited due to the fact my underwriting is happening NOW. Transunion and Experian took care of the matter within 24 hours of notification. They were both very customer friendly and understood the urgency of my request. They appeared to care about my situation and knew it was n't something I should have experienced. 

I spent hours working a circle with XXXX, their internal collections agency, and then back to XXXX. I received a letter for my lender advising this was XXXX 's error. Equifax told me to fax them the letter at XXXX. I did this at XXXX XXXX. Equifax also received the info at the same time as all other agencies. When I called, after spending an hour on hold and another 30 minutes talking to a " Supervisor, '' Equifax was completely noncompliant. They would not help me. When I asked to talk to another manager, I was told I could not. 

Every hour I spend taking care of an issue on my credit report, which should never have appeared on it in the first place, has cost me time and money. I '' m XXXX. If I 'm not in front of a client, I 'm not selling. If I do n't get this removed from my report, I lose this house, I lose {$4200.00} in earnest money, there are several people impacted from an emotional and financial situation and all because Equifax wo n't delete the erroneous information and they 've received PROPER AND PROMPT documentation. 

I should n't have to go through all these hoops, to have something deleted ... all due to an error by a company. Why is Equifax doing this and making it so difficult, when the XXXX and XXXX can do it -- with the SAME DOCUMENTATION, and they understood the urgency? Why should a consumer have such a difficult time to remove something which is n't their fault, all because a company willingly chooses to be NON COMPLIANT? 

I can not spend anymore time on the phone fighting for Equifax to DELETE XXXX from my report, this report directly impacts my credit SCORE, and I need someone to fight for my rights as a consumer. This is absurd, when I 'm doing all the right things and this situation was a billing ERROR on the part of XXXX. Equifax 's experience is leaving me emotionally, mentally, and physically distressed -- -over an ERROR. Please help. 

The letter from XXXX is attached. All I asked of each agency is to DELETE it so my lender will write the loan. Its not that difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with INTERCONTINENTAL CAPITAL GROUP (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Mortgage Company was contacted by a family member claiming they were helping me with obtaining a mortgage. The broker ran my credit report discussed my financial information with this family member and then gave them a copy of my credit report. This was done without my knowledge or consent. Upon contacting the mortgage company, they apologized for the oversight of not confirming my authorization and offered a XXXX subscription should this individual attempt to utilize my information.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Vehicle loan or lease (Loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (CO).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: On XX/XX/XXXX we traded in our used XXXX XXXX for a XXXX XXXX with XXXX XXXX XXXX in XXXX XXXX, CO. On the XX/XX/XXXX we had a family medical emergency and our son was flight for life to XXXX Hospital in XXXX , CO . Which we were there for three weeks. During this time I received a phone call from our XXXX XXXX saying that we were over 30 days late on the XXXX that we traded in back in XXXX. I immediately contacted XXXX XXXX XXXX and spoke with a guy in the Finance Department. He looked into it and saw that we had not owned or had the XXXX since the date of XX/XX/XXXX and that the paper work that they had done on our new loan with the XXXX was done incorrectly and because of that the new loan was not yet processed and the credit union was not paid off because of this paperwork that was not done. He told me that this was immediately going to be corrected and that day they were going to down cut a check to XXXX XXXX XXXX CO for the XXXX and told me that they would take paperwork to them to show that we had not had possession of this XXXX since the beginning of XXXX. This was the first week of XXXX and now being XX/XX/XXXX, we noticed from a report that our credit has taken a huge hit. So, after calling the XXXX XXXX XXXX CO I was informed that they had just paid off the XXXX on XX/XX/XXXX. I have, once again called XXXX XXXX XXXX to tell them my issue ( again ) and demanded that they give me a letter or proof that we did not own this vehicle as of XX/XX/XXXX and that this needs to be corrected IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Credit card () with CITIBANK, N.A. (VI).
Issue: Customer service / Customer relations

Complaint: The company refuses to send me a statement or at least give me access to my online account. They claim that since my account is " inactive '' ( meaning closed, i have n't used this credit card in years ) I am unable to view my information. I am STILL paying for this low-limit credit card from 2009 ( 28 % interest ) and I have a right to see what my balance and payment history is. They told me I just need to " call them '' any time I need to know something. Ive called twice and spoken to several people. They keep telling me that in order to help me they need my credit card number, however, I no longer HAVE the number because I no longer have the card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: they took off all of my good credit reports from all XXXX reports. 
and I want them to put it back on all XXXX 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 07/26/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: I realized starting XX/XX/2015 that it seemed like I did n't have as much money as I had put in my Bank of America Checking account. By XX/XX/XXXX, I was unable to pay my bills even though I was working full time, and I was forced to take a loan out. At that point, the loan seemed to disappear. There were a few transactions that were n't mine, but not enough to equal to what was missing. I printed out my bank statements and realized that what I purchased was {$5100.00} less than what came out of the account. That was in XX/XX/XXXX. It seems like every time I buy something, double that amount comes out of the account. 
I have called Bank of America repeatedly and they wo n't do anything about it. 
I have lost my house, was forced to move away from my family, and have defaulted on all my bills due to this problem. I have serious health issues that are going untreated at this time. 
Someone I knew told me that they heard that people were stealing money out of the account in XXXX XXXX, and Bank of America has a picture of a person attempting to make a withdrawal out of my account for {$800.00} XX/XX/2015. I know this because they called and asked me to approve the transaction, and I told Bank of America it was n't me. This happened where I lived, in XXXX, CA. 
Bank of America told me I did n't have to do anything and they would take care of it. I continued to have theft on my account and when I finally asked them about what there investigation had turned up, they would not give me a photo of the person. They told me they were not allowed to and I should have made a police report at the time if I wanted the photo. But I was not told to make a police report to get the photo of the person at the time of the incident. They told me I would have a name as soon as they did. 
Due to Bank of America 's actions, my life is ruined. My credit is in shambles and my health is deteriorating. I have tried to make police reports but due to Bank of America 's actions, the police say I have nothing to report. Everything was take from me and Bank of America is complacent in it.

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 08/30/2017 about Debt collection (Medical debt) with Medical Data Systems, Inc. (GA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: I am disputing this debt with Medical Data Systems Inc. 
Account # XXXX {$340.00} Account # XXXX {$1800.00} Account # XXXX {$470.00} Account # XXXX {$270.00} Account # XXXX {$230.00} I have contacted Medical Data Systems and they were unable to verify this account as mine. They have failed to properly validate this debt. I originally disputed this debt about 60 days ago which is more than the outlined period time in the FDCPA. The collection agency Medical data systems has sent me an invoice from the original creditor XXXX XXXX Hospital which is a violation of HIPPA laws and did not protect my privacy and medical record from a third parties. I did not recall giving XXXX Hospital permission to release my medical information to a third party. they have sent an invoice but no documentation as a written contract or anything bearing my signature. I am disputing this debt and absent of such proof they must terminate this collection action and correct any erroneous reports of this debt as mine. The continued silence is unacceptable and they need to provide the proof or correct the record to remove the invalid debt from my credit files with the 3 primary credit reporting agencies.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Recent cybersecurity breach at Equifax led to release of personal information of millions of users ' social security numbers and other important personal information that can lead to identify theft crimes. I am one of them. I have tried to resolve the issue with Equifax and while they admit the breach, they can not provide sufficient protection that will ensure that my identify will not be stolen. For example, 1-year of credit monitoring is too short, as my social security number ( SSN ) will now be in public forever. Also, even if I were to change the SSN, Equipfax does not provide any assistance/compensation regarding the times I lost changing my SSN, contacting various financial/governmental agencies to inform that I have changed my SSN, and other time/energy/finance consuming activities that will entail. The company 's response to one of the most serious security breach is insufficient for consumers to be protected from the identify theft.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Vehicle loan or lease (Loan) with JPMORGAN CHASE & CO. (UT).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: On XX/XX/XXXX I called and spoke with chase auto fiance Account number XXXX, I explained that I had called and requested a billing extension for one month which was granted ; but do to my health and being in and out of the hospital I would need another 3 month extension, I was told they could not do another extension, however they could change the due date from the XXXX of the month to the XXXX. I was also told that f that payment was not received or was returned that the original due date would revert back to the XXXX. Because I didnt receive any statements after s I was in the hospital. I called back and explained this to an agent, who because I hadnt received the statements informed me because it was a medical emergency do to a XXXX XXXX that she would submit XXXX late fees in the amount of {$30.00} each to be reviewed to be removed. I then spoke with a supervisor, her name was XXXX id XXXX making a payment at chase bank I called back and was told that the fees had not been credited back and the original due date had not been reinstated to the XXXX of the month, I again spoke to another supervisor XXXX after explain the situation to her again, she informed me once I brought my account current that the due date would be changed back to the XXXX of every month and because of the extenuating circumstances that she would approve the credits for the XXXX late fees {$30.00} each for a total of {$90.00} and that I would see the credit on my next statement. Once I got the account current by making a payment at chase bank I called back and spoke with another supervisor who informed me the credits had not been approved despite what I had already promised and the due date had not been changed back. Because I had already spoken with a supervisor, XXXX XXXX on XX/XX/XXXX and had been told the due date would be changed back to the XXXX of the month and that the XXXX late fees of {$30.00} each for a total of {$90.00} I am requesting that chase honor what there supervisor said she would do and credit back the {$90.00} in late fees as well as change the due date back to the XXXX of the month. The agent that had informed he had processed another extension that he had approved so my next payment should be on XXXX XXXX XXXX the agents name was XXXX  XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-09-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Closing/Cancelling account

Complaint: Good Evening, I wanted to reach out in regards to an issue I have experienced with capital One. I had XXXX credit card accounts with them ( XXXX for nearly 10 years and the other 6 years ) that have never been delinquent. 

I deposited a XXXX check on XXXX/XXXX/16 XXXX XXXX XXXX and I had XXXX checks ACH checks with Capital One that were debiting my XXXX XXXX XXXX checking account on this same day, XXXX for {$40.00} and the other was a full account payoff XXXX {$1200.00}. XXXX XXXX XXXX did not pay the checks at the time ( they NSF XXXX/XXXX/16 ) due to funds being released in same time period but they refunded the overdraft fees and said capital one could resubmit and they would pay them. Capital one did not resubmit the checks so I issued new payoff checks XXXX/XXXX/16 for XXXX of the accounts. XXXX/XXXX/16 I called them because my account said restricted and they informed me that they closed all XXXX of my accounts XXXX/XXXX/16 and said they would not re-open them. I have been a loyal customer for nearly 10 years and have never missed a payment on any of these accounts. This negatively impacts my credit score since XXXX of these accounts still have a balance and these are my oldest credit lines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/27/2015 about Money transfers (International money transfer) with CITIBANK, N.A. (FL).
Issue: Other transaction issues

Complaint: XXXX XXXX, 2015 I went into the Citibank location in XXXX XXXX XXXX, FL to wire {$3700.00} to XXXX XXXX bank in XXXX XXXX XXXX. I spoke with XXXX XXXX to complete the transaction and he also spoke with the Branch manager in XXXX to verify the account information for the wire and the XXXX Branch Manager told him to send the funds in US currency to the account. I have attached the documentation for the wire. I called XXXX XXXX in XXXX 2 days later and the wire had not been received. I called Citibank wire dept. and I was told they would open a case to trace the funds the case # XXXX. I called Citibank back and they told me they do n't see my money! Thy have escalated this case at least XXXX times and they still ca n't see or find my money. The Wire dept. at XXXX XXXX says they do not have the money and Citibank says they are waiting for the money from XXXX, who again says, they do not have the money. At this point, it 's 2 months later and Citibank has not returned my money and said they do n't know where my money is. Every time I call I 'm told the case will be escalated and still they do not know where my money is. I worked very hard for my money and this was a transfer to a lawyer for family land that I am in jeopardy of losing because of the incompetence of Citibank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/18/2015 about Debt collection (Federal student loan) with GC Services Limited Partnership (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from GC Services Limited Partnership stating that they had been retained by the Dept. of Education to collect on a defaulted student loan. As I have not been in school since XXXX and never taken out a student load, you can imagine my surprise in receiving such a letter. I have been in contact with the Dept. of Education and their Ombudsman and they both indicate that I have never taken out a student loan. I have been in contact with the Company and have reason to believe that they maybe fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-01-2016 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is not responding to my request to investigate and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: disputed several accounts in XXXX with Equifax and failed to receive proper update on credit report after investigation was completed. I asked for validation of debt and did not receive. I am requesting validation of debt belongs to me due to recent fraud/identity theft. If unable to provide the accounts should then be deleted from my credit file as previously requested. The accounts are listed below : XXXX- Account # XXXX XXXX- Account # XXXX XXXX XXXX Bank- Account XXXX XXXX XXXX- XXXX BANKRUPTCY- REF # XXXX Please ensure that debt has been validated otherwise under the FCRA please remove from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Payday loan, title loan, or personal loan (Payday loan) with Tribal Lending Enterprise, Inc. (IL).
Issue: Can't contact lender or servicer

Complaint: I received an email from Mountain Summit Financial about me being preapproved for a loan so I contacted them about getting a loan but at first they were trying to charge me way too much interest in the loan but then they agreed to a better price and I was supposed to be paying them two payments of XXXX. The first payment was due on XX/XX/2017 and the second payment was due on X/XX/2017, but today I was going to tell them they can just take the XXXX that is due on X/XX/2017. But, due to my surprise when I typed in their website publications popped up from the Better business Bureau and other government sites saying that Mountain Summit is not licensed to conduct payday loans or collect on them and that they are currently being investigated by the BBB. The Washington State Department of Financial Institutions urges consumers who have gotten payday loans from Mountain Summit Financial to contact the Federal Trade Commission to report identity theft because of the nature of the personal information that has been collected by this unlicensed company. Because according to them that have not right to issue payday loans or collect on them. So today on X/XX/2017 I contacted Mountain Summit Financial to ask them about these allegations and their current investigation and to get clarity on their situation because I currently have a loan with them and I do not know if my information is safe or if this loan is legal. However, they would not answer any of my questions and so I informed them that I would be contacting the BBB and the FTC to figure this out. In the case that they are not properly licensed or certified to conduct this type of business I want my loan to be forgiven and I want insurance that they will not use my information in any type of way.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX/XXXX/2017 i have ( 3 ) inquired i call trasunion because im victim for XXXX they told me can be remove

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