milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-06-2017 about Debt collection (Payday loan) with CURO Intermediate Holdings (MO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX has send a copy of a contract that I have with speedy cash. I did not sign a contract with them and nor do I recall them sending me anything that shows that I havany contractual obligation to pay them. I have send certified letter requesting that XXXX provide an agreement with speedy cash that grant them the authority to collect on this alleged debt. Also any insurance claims been made by any creditor regarding the account. Verification that this debt was assigned or sold to collector. Documentation showing they are licensed to collect debts in Missouri. Commission for debt collector if collection efforts are successful. I also asked for them to provide the name and address of the bonding agent for COLLECTION AGENCY in case legal action becomes necessary. And I also stated in my letter that their claim will not be considered if any portion of the above mentioned was not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This complaint is against Equifax, XXXX and XXXX. I have been locked out of all online dispute services even though I belong to several sites I am being billed for to access my credit reports. Recently, I spoke to XXXX about completely removing some third party billers from my credit report. These people have been paid. They verbally agreed to remove the accounts after they were paid. 

The below items were sold to a third party biller. This means that the original creditor has written off said " debt. '' This constitutes a " contract was cancelled '' situation which means that the dispute reason should be " NO CONTRACT '' in each case. This is the law. 

XXXX XXXX XXXX has no right to collect money from me, or be listed on my credit report ( XXXX & Equifax ). XXXX was paid in full. That is the original creditor. This is illegal. 

XXXX was paid in full. They promised to take the collection off of my XXXX credit report. 

A XXXX XXXX public record is on my Equifax credit report. These dishonest people were paid by in XXXX. They took it off of my XXXX credit report and put it on my Equifax. Please remove this. It keeps me from getting credit cards. 

XXXX University was paid in full in XXXX to a third party collection agency. It is illegal for them to be listed on my XXXX credit report. 

XXXX XXXX is also on several of my credit reports after being paid off, and promising to delete the accounts. 

XXXX Obtained information in violation of HIPPA even though I never knowingly signed the right for them to obtain hospital records and try to collect money from me. The hospital had XXXX, regular insurance, and XXXX. They did n't even try to bill the remainder to XXXX. 

XXXX XXXX- They are listed on my credit reports along with a third party biller. If this is not illegal I do n't know what is. 

XXXX XXXX XXXX XXXX This third party biller is the company that XXXX XXXX wrote off my debt on its taxes to. This constitutes a This constitutes a " contract was cancelled '' situation which means that the dispute reason should be " NO CONTRACT '' in each case. This is the law. 

XXXX XXXX- Obtained information in violation of HIPPA even though I never knowingly signed the right for them to obtain medical records from my dialysis clinic and try to collect money from me. The clinic, XXXX XXXX had XXXX, regular insurance, and XXXX. They did n't even try to bill the remainder to XXXX. 

Public record- XXXX XXXX GA- I paid this in full in XXXX. They verbally agreed to move this from my credit report. They took it off of my XXXX and XXXX. However they sneaked back later and put this on my Equifax credit report. It must be deleted because it caused me to get turned down for credit card offers.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2016 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no knowledge of this debt collection. I have never received any notice or anything regarding this collection from this company. This debt is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (MI).
Issue: Fraud or scam

Complaint: On XX/XX/XXXX a fraudulent account was opened in my name at coinbase. I have contacted them several times and they wont close the unauthorized account.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Mortgage (Other mortgage) with Resurgent Capital Services L.P. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced my home with The XXXX XXXX Bank in XXXX in XXXX 2016. XXXX sent a cashiers check to LVNV Funding / Resurgent Capital Services to payoff a judgement filed against my deceased husband that became a real estate lien due to non-payment. After many telephone calls by myself and my banker, we received a letter dated XXXX XXXX, 2016 stating that the lien had been satisfied and the release of judgment will be filed. No such release has been received by XXXX XXXX as of this date. I feel that this release should have been taken care of many months ago. I am sure that my bank would have taken care of this in a matter of days, not over 6 months.The bank 's attorney sent a letter to LVNV / Resurgent Capital Services on XXXX XXXX, 2016 with no response. Your assistance in this matter will be appreciated. I wish all financial institutions treated customers as XXXX and XXXX XXXX XXXX Bank in Staunton does. They do it right.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint: In XX/XX/XXXX and XX/XX/XXXX I submitted a request to delete inquires on my credit report ... .They say shifted the burden back to me to contact the original creditor to verify these inquires which is clearly in violation of 1681 ( a ) ( 4 ). I want all inquires removed which are not tied to an account on my credit report ASAP. 

Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED inquires listed below are not deleted within 10 days. 

XXXX XXXX-Fla. XXXX/XXXX/XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXXFore XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXXe XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NJ).
Issue: Deposits and withdrawals

Complaint: I opened my Citigold checking account and there was some block on my account. I received the e-mail from Relationship manager on XXXX/XXXX/2016 that account is active and I will receive new debit card. 
Second debit card was blocked too, I was never able to register my account online nor I can withdraw money from ATM machine. I went to branch office on XX/XX/XXXX, they issued my new temporary debit card and promised that on XX/XX/XXXX, I will have access to my funds. 

It 's been 3+ months and I do n't have access to my funds I ca n't close it, I ca n't query the balance. Citibank has taken my money and then put the block on 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 monetary relief
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I am have problems with Experian removing old names and addresses off my credit report. I sent them a letter in  XXXX   2017  along with a copy of my drivers license, social security card and proof of address, nothing was done. In  XXXX  I called them spoke with a man named  XXXX . He refused to remove the last name  XXXX  and  XXXX  address off my report. The addresses are as follows :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx  XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  I explained to him that they are inaccuarte and not deliverable to me and it was against the fair Credit Reporting Act laws to not remove the former last name and old addresses but he said he can not remove them. Ireally need some assistance.   Thank you for your time.    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX   RE  :  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 06-05-2015 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I opened a XXXX credit card account around in 2010 and I believe XXXX merited with XXXX XXXX. My XXXX MasterCard were paid in full and closed before I there were transferred to XXXX XXXX. At this time XXXX again Experian Credit Bureau is reporting my XXXX XXXX accounts with negative information. I reached out to XXXX XXXX and they stated that they will contact the reporting agencies again with the positive information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: My dispute is contract was cancelled. No Contract

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 07-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Companies Continued coercing me into FORBEARANCE. Companies names XXXX XXXX subsidized and unsubsidize, FFEL Stanford, and Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Bank account or service (Checking account) with U.S. BANCORP (TN).
Issue: Deposits and withdrawals

Complaint: Recently, a representative with U.S. Bank National Association encouraged me to sign up for a feature that will cover any Debit/Check transactions, and still charge you the {$36.00}. They said whether or not the charges are actually covered, is up to the Bank 's discretion. And what I have found, is that the Bank actually covers only XXXX-XXXX % of those charges, thus setting up a system where they can be resubmitted by the Creditor to U.S. Bank so that I will be charged recurring {$36.00} fees. Furthermore, recently I made a trip and made XXXX-XXXX purchases with my Debit Card. At the time of purchase, all of these charges were covered by current funds in my account. But due to the 4th weekend, they delayed processing them for several days, and because I had a subsequent purchase after that fact, they ended up charging me about XXXX-XXXX {$36.00} Overdraft Fees. After speaking with a representative over the phone, They did reverse XXXX of the fees, but I was still left suspecting that U.S Bank National Association is manipulating the system and the time frame in which they cover charges, to maximize the number of NSF and Overdraft Fees they can charge a customer. This is illegal and criminal and should not be allowed to continue. I can imagine the Class Action against USBNA is going to be in the XXXX of $ 's.

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 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On XXXX XXXX 2017 I received a confirmation from Equifax stating the XXXX XXXX account I had been disputing was removed from my credit, after recently reviewing my credit file, Equifax has readied this account without sending a reinsertion letter which is against FCRA. 

Equifax Confirmation # XXXX XXXX XXXX,2017

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law effective XXXX 2017 any public record data must include name, address as well as SSN and DOB in order for it to appear on your credit file not to mention it should also be verified. The credit bureau has failed to update the information and per the new law true bankruptcy listed does not contain this information and should be deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Chase sho ws an equity loan still open when in fact in was paid and closed Still shows delinquent

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I need to file a complaint on behalf of Equifax. I asked them about 2 months two months ago to investigate a account by the name of XXXX I Never got any results or feed back on this fraudulent account I would Like for Equifax to delete this info since it has been well over 30 days.. And I never got response or a updated credit report with an update this is a violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Debt collection (I do not know) with Credit Solutions, LLC (KY) (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is the third time I have filed a complaint against this company ( Credit Solutions ) with CFPB. It is not my debt, and the person does not live here. I told them to stop calling me. I told the person that owes the debt to call them and tell them to leave me alone. And he did, so they now have his phone number, but they still call me. I sent them a certified letter, telling them to Cease and Desist calling me or I would take legal action against them. They got the letter and are still calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: u always apply and they always denied me i never apply o had a capital one credit card o even a credit card that i have to give down payment a secured card and thats not fair

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (MA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XX/XX/XXXX my husband and I purchased flooring from Lumber Liquidators and paid to have them install it, using our XXXX XXXX XXXX. The installation was not completed because they were missing trim pieces. I was very unhappy with the installation ( unlevel, cuts where they should not be ) and I informed XXXX XXXX immediately. They contacted the flooring company, who was supposed to come to see the issues but did not call to do so. I had a contractor look at the issues and he ended up completely redoing the floor as it was unlevel, cut improperly and laid so badly it had to be redone. 
I filed a dispute with XXXX XXXX XXXX for reimbursement of the installation cost which I had to pay to have redone correctly. I submitted copies of the emails, pictures of the mistakes, which showed I had been in contact with XXXX XXXX immediately following the install. I had to submit this a 2nd time as Chase could not find the information after I first sent it and had not addressed this the first time. I received a letter from Chase with a copy of XXXX XXXX response, saying I had never reported the issue. I had sent Chase a detailed letter including emails that I had sent to Lumber Liquidators, which the manager had replied to, which clearly showed I did report the issue. Chase found in favor of XXXX XXXX even though I proved they were lying. I filed another dispute and asked to speak to the reviewer, but was never allowed to. I submitted multiple requests by letter and telephone call to Chase requesting I speak to someone in person, but was never contacted despite being told I would be. At this point, Chase said too much time has now passed to reverse this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX is an account that was originally opened in XXXX of XXXX, was then sent to a collection agency named XXXX and eventually paid off in full in XXXX. I had printed a credit report in XXXX to get the status of when the items, XXXX XXXX and XXXX XXXX, would be removed from my credit report and it was noted that it will be removed in XXXX of XXXX. I recently inquired to a credit bureau representative about late payments to another account that should be removed and upon confirming the removal of XXXX XXXX and XXXX XXXX from my credit report in XXXX of XXXX, I was informed that the date was changed to a time in XXXX without any legitimate reason. I am disputing the fact that I should n't have to wait an extra two years to have items removed from my credit report when its was verbally expressed and stated on a credit report that the items were going to be removed in XXXX of XXXX. I have the original copy of my XXXX credit report if it is needed to confirm my dispute

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/15/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: EXPERIAN/XXXX/XXXX : THEY ARE REPORTING WRONG INFORMATION ON MY CREDIT REPORT!!! I PAID OFF A CAR LOAN XX/XX/XXXX AND THEY ARE STILL SHOWING IT. THE ARE SHOWING A B OF A LINE OF CREDIT STILL OPEN - I PAID IT OFF AND CLOSED IT 4 YEARS AGO. THEY PUT THAT I WAS 30 DAYS LATE XX/XX/XXXX AND THE ACCOUNT HAS BE CLOSED. I WAS JUST TURNED DOWN ON A NEW LOAN WITH MY OWN PERSONAL BANK BECAUSE OF THESE ITEMS AND MY CREDIT WAS XXXX POINTS SHY OF XXXX WHICH IS THE SCORE I NEEDED!!!! I AM GOING TO HIRE ATTORNEY-WORST CUSTOMER SERVICE EVER!!!!

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 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I had my mortgage sold out to another mortgage company. I was not informed until after I made the payment to the mortgage company. They took my money even after they sold my mortgage and it is showing a 30 day late payment on my credit report. Equifax will not help me with this. I paid that months mortgage and because they sold my mortgage and held my money that months payment was late due the the fact they held my money without even a phone call or letter saying they sold my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: About a week ago, I received a letter in the mail stating that I owe {$560.00} to XXXX from a collection agency by the name of Convergent. A year ago I had the same situation with a different agency stating the same thing and found out my mother had used my social security under false pretenses, and they got into contact with her and she did pay off the debt. The company did call me back to report this and now this company claims that it was not paid. I believe this to be a scam, as they are stating on the letter that they will settle for XXXX on the letter, but will need {$450.00} to be paid in full. Their is also to addresses on the letter, XXXX from XXXX, XXXX XXXX and then a P.O. box of XXXX, XXXX XXXX. I am a XXXX of XXXX and this is causing me emotional distress, since this was settle last year and the account was shut down and they have complete access to her. Please contact me as soon as possible.

Company response to consumer: Closed with explanation