milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: In accordance with the Fair Credit Reporting Act, I respectfully asked the bureaus to investigate my claim and, if after your investigation they find my claim to be valid and accurate, I ask that they immediately delete the unauthorized inquiries outlined Furthermore, I asked that the bureaus send a corrected copy of my credit profile to me at the address I PROVIDED on letters sent. I explained to the bureaus By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.I KNOW the bureaus have a duty in accordance to the fair credit act to report true and accurate information on consumers report .That has n't been the case .It appears these bureaus are more out to receive money from these companies and XXXX consumers. 
I know for a fact that my account was compromised by THE XXXX BREECH .I had XXXX inquires as of XX/XX/XXXX -XXXX 2017 all of a sudden old unauthorized inquires that had been disputed and removed reappeared along with some new inquires. I have so many unauthorized & UNKNOWN inquires REPORTING on all 3 of my consumer reports. I had names that was n't mine, debt, accounts and addresses that was removed because they was reporting on my credit but not mine. I sent letters to ever last company on my file that is reporting these inquires i do n't authorize and have no knowledge of .NOT ONE HAS RESPONED .I SENT 3 LETTERS TO THE BUREAS ASKING THEM TO INVESTIGATE THESE unknown and unauthorized inquires. I also called and was told to dispute it with creditors in which i did and received no reply .It amazes me how these bureaus can allow people to use your information without your knowledge but want help consumers by protecting our information from these companies and etc. PLEASE HELP ME TO MAKE THESE BUREAUS FOLLOW THE LAW AND NOT KEEP XXXX CONSUMERS LIKE MYSELF

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 03/23/2018 about Vehicle loan or lease (Loan) with BMO HARRIS BANK NATIONAL ASSOCIATION (TX).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: I had filed a complaint previously. The banks name is BMO Harris. I had vehicles repossessed. They gave me an amount to bring account current. I did the impossible to get the XXXX  they asked. I wire money to them and now they tell me I have to send an additional 20k plus to have vehicles returned. I urge the public in need of financing equipment to stay away from this bank. They are not working in your best interest.

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 03/31/2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Experian and XXXX Consumer Agency has placed a fraud alert on my credit report without my consent. The XXXX consumer agencies acting in this manner because XXXX has purposely submitted a correspondence to the agencies indicating that I recently requested a fraud alert to be place on my credit profile. I have not submitted a letter in writing to XXXX, Experian, or XXXX requesting for a fraud alert to be placed on my credit profile. I recently filed a complaint as well as last year with the CFPB asking for XXXX to release a requested copy of my credit report. I recently submitted All XXXX agencies legal documents from my Chapter XXXX Bankruptcy to dispute inaccurate information regarding former Creditors and the account status which was and still is incorrect. I do n't know why XXXX has provided false information about a fraud alert that I have not recently placed. I always submit in writing and I always make a copy. XXXX is doing this intentionally. I have never really experienced any issues with the other 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 03/16/2017 about Consumer Loan (Installment loan) with Green Trust Cash, LLC (MI).
Issue: Managing the loan or lease

Complaint: i took out a loan of XXXX $ from green trust cash. i paid XXXX XXXX after looking at the contract more closely i realized that if i made the minimum payment i would pay more than XXXX $ in total. that is absolutely rediculous. This must be illegal?

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Mortgage (FHA mortgage) with FIRST GUARANTY MORTGAGE CORP (OH).
Issue: Trouble during payment process

Complaint: We closed on our XXXX K renovation loan in late XXXX of 2017. First Guaranty Mortgage took over and would be responsible for dispersing the renovation draws to the contractor. The renovation process was to take 90 days. The contractor had been paid a substantial amount of money for work that was n't permitted, was n't completed, and was done poorly. First Guaranty released all these funds without confirming permits or identifying if work was done up to HUD standards. Also, First Guaranty allowed the contractor an extension past the 6 month FHA deadline without my approval. After finally firing the contractor there was an exit inspection scheduled by First Guaranty the results from this inspection determined that the contractor owed me {$27000.00}. Now I am expected to finish my project/renovation with {$27000.00} less in by draw budget. When I communicated my concern with the individuals handling my draws they said this XXXX I wish there was something more we could do. First Guaranty has offered zero support or assistance in helping me determine how to move forward with my project and often times take multiple days to answer e-mails of phone calls.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (FL).
Issue: Other transaction problem

Complaint: XX/XX/XXXX BTC purchase of {$1400.00} Purchase was reversed on XX/XX/XXXX Money was never returned into account. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (OH).
Issue: Application, originator, mortgage broker

Complaint: I was denied a fha loan with quicken loans. I believe the reason was descrimination. I meet the income, length of employment, and credit requirements and still was denied. I was told on the phone it was because i didnt make enogh income. Then i received a letter of denial saying it was because of excessive debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 

Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (VA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I attended XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and successfully graduated with a XXXX. My Private loans went through XXXX XXXX, who has since changed names to Navient due to another Class action lawsuit. Needless to say the Customer Service and loan tactics have not changed. 

I have XXXX Private loans with them, XXXX of which are cosigned by my parents who are both on fixed incomes due to retirement. All XXXX loans were in some form of Forbearance due to me not finding a job within the field of study I have the XXXX in for a number of years and not making enough to pay the balances owed along with regular living expenses. the Forbearance periods I have been told are not available now, apparently there are restraints on how long a loan can be in forbearance regardless of your financial situation. Until the company name change they have refewsed to try and work out a feasible repayment plan, although, at this time, we were able to agree on an Income Contingent program, although for some unexplained reason, the XXXX cosigned loans are not eligible and every program I 've requested about has resulted in there management department ( what ever they care to call it ) causing those loans to be listed as late or delinquent even though they are on a monthly automatic draft payment that they setup and agreed too. Now that the College I attended is no longer an establishment, and the loans were obviously predatory as to this day I still cant afford the approximate {$700.00} a month the payment would be if not on the IC program. Is a portion of this, if not all of it forfeit and charged off due to the predatory nature of the loan?

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Debt collection (Other debt) with Alliance Data Card Services (CT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I received another statement from Paypal yesterday, XX/XX/XXXX claiming that I now owe them {$33.00} from a previously paid {$26.00} which was recently paid this past XXXX! In a recent call to them, they claimed that all I owed was {$26.00} and that this was the end of making payments after that. Looks like they lied to me again because of this latest scam! I am fed up with these people and their games!

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/30/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Encore Capital, Midland & MCM attempt to collect a debt that was past the statue of limitations, and reported the wrong amounts on my credit report and refused to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Debt collection (Medical) with Medical Recovery Services, LLC (ID).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I Receive a collection letter from XXXX at XXXX, Idaho XXXX stating that I owe an account with Medical Recovery Services , LLC. I replied demanding Validation of Debt as I did not know anything about such account. Account was never validated. Instead they took my account submitted to court for judgment. I submitted more letters demanding proof/validation of debt. did not respond and this account was declared as Default by the XXXX county civil Court Judge. They refused to answer my letters and refused to update account accordingly. 
XXXX/XXXX/2016 Application for Entry of Default XXXX/XXXX/2016 Application for Default Judgment XXXX/XXXX/2016 Affidavit in Support of Application for Default Judgment XXXX/XXXX/2016 Order for Entry of Default and Default XXXX/XXXX/2016 Affidavit In Support Of Writ Of Execution XXXX/XXXX/2016 Writ Of Execution Issued {$1000.00} XXXX County

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Went to online school for one semester in the year 2006. 
I put in a loan application for 2semesters but only completed one. They gave me no notice as to what to do but still charging me for the entire 2semesters from 2006.  To today they say i owe them XXXX dollars unacceptable. Help me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This is now my 5 attempt in regards to this company. My prior request was to have the orginal balance being reported and it be removed as this company is not aviding by the fdpca nor the fcra regulations. This item has been reporting on my reports since XXXX and all these years there has not been a single penny added to the amount until XXXX. I have disputed this item on my credit reports multiple times request a indepth summary as to why it is on there and the balance being reported to show me proof that this balance is correct when it is NOT! The paper work this company is sending me does not show me by law they are allowed to add interest 6 1/2 years later almost 7 years later. The documents provided only show that XXXX states the conduct un eithical business with they are allowed to pursue increase balances. Also balances can not be adjusted by law when the account hits collections and has been in collections for the time lengeth it has been. This company has called my work which is against the law, they have harrased me, and have provided me with documentation showing they stated this is reporting as a judgment on my reports. I have requested to have this item removed! I got a generic response from my previous complaint and nothing from my others.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Debt collection (Medical debt) with Midwest Recovery Systems (LA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Upon reviewing my credit report a few months ago i seen multiple accounts listed under MEDICAL. Under hippa my medical information is protected. Why does a third party have my medicam information? Where 's the medical release form? This is humiliating and embarrassing that a third party collection agency can have access to MY medical records. I know for a fact i did not give ANY provider permission to share my medical information. Midwest Recovery needs to remove this account off my credit report and send these accounts back to the original creditors. In addition i will be filing lawsuits against these creditors for violating my medical rights.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is a Public record that is not mine on my credit file. I have reached out to the company a number of times to try to get them to resolve this issue with no resolve. This is causing me anguish and not allowing to move forward with my life and is affecting my credit score in a negative manner. I want this issue handled and the file deleted 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 08/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MI).
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 I submitted complaint number XXXX with CFPB against XXXX XXXX XXXX, the bank respond came as a shock to me since its so contradicted. I stated in my complaint that Im a victim of identity theft and that there is an unauthorized charges on my account. XXXX XXXX XXXX respond with a letter ( enclosed ) that,  quote '' Since you received the order and signed for it, the charge was rebilled to your account on XX/XX/XXXX. ", they only provided me with a proof of delivery not a proof of signature! I did contact USPS.COM and requested a proof of signature ( enclosed ) to be emailed to me and here it is!! The signature on the delivery record is NOT my signature!! I do n't know who signature is this. Therefore, Im stating again that I did n't do any online order, and I did n't receive any order or sign any delivery form and I request Capital One to provide a USPS proof of delivery with MY signature on it, ( I can provide my driving license copy which have my signature on it if requested ). Someone can see clearly in the letter sent to me from USPS that there is a contradiction in the statement!! The letter states that, quote from enclosed letter " delivered on XX/XX/XXXX at XXXX XXXX in XXXX, MI XXXX to XXXX XXXX '' when my name is different than the one signed and there is a clear difference, moreover the scanned image of the recipient information shows that the name is " XXXX XXXX '' not even " XXXX '' Therefor, how can Capital One state that I did sign for the package when they ca n't provide a proof of this statement.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Payday loan () with Delbert Services (TX).
Issue: Charged bank acct wrong day or amt

Complaint: lender charged my bank 2 days before agreement. Then charged XXXX times in one day, racking up insufficient funds fees

Company public response: Company chooses not to provide a public response
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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Well one student loans went into default do to the fact their were no jobs. That loan went to collections but because its a in house collection company but it is in collections I cant do anything to get removed off my credit file and its been 7+ years now ... .I have attempted to fix this problem about 3 times now and nothing .... I also have the proof in my credit file saying this loan is in house collection through your Company and that 's against the 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 explanation
Consumer complaint received 03-04-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Other than when I initially got my Cabellas Card issued from XXXX approximately 2 years ago I have not used the card. However I recently checked my statement and found a fraudulent charge in XX/XX/XXXX. This charge was to XXXX, which I 'm not a member of and in XXXX, where I have n't been in over XXXX decades. Upon discovering the charge I immediately disputed the charge with XXXX Upon dispute XXXX closed the account and then opened an additional account, transferred the fraudulent charge with late fees then immediately closed the new account with a delinquent balance of {$10.00}. These actions of XXXX has directly negatively impacted my credit score by XXXX points. Their response has been " you need to contact the credit bureaus to get it corrected. '' Their actions have been malicious and predatory toward a person who has no other derogatory remarks on their credit history. This is over a charge of less than {$10.00} that was made fraudulently and since it was an international transaction should have been picked up by their fraud department easily.

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 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Frauding scams IDs frauding my documents and medical record of birth certificate long form of XXXX  XXXX and doctor XXXX Frauding scams IDs and accounts frauding my XXXX country Indiana using XXXX Frauding scams IDs and business using my grandma documents of XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX Indiana Frauding scams frauding my XXXX Frauding scams frauding XXXX and XXXX Indiana using XXXX IDs and XXXX IDs Frauding scams using XXXX  Frauding scams using school permit and teaching staff and books and books authors and school sports Frauding scams IDs using racing teams and XXXX XXXX and XXXX and XXXX XXXX and XXXX 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 11-10-2017 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: I opened my account after the company offered a cash promotion for opening the account. The company took 6 additional months to pay the bonus. After finally receiving my bonus, I attempted to close my account. I called the customer service line, as well as going into the branch, and was told both times that my account was closed. However, after opening a new account, I came to find that my account was NEVER CLOSED AT ALL. This is very dishonest, and makes me wonder if they are opening accounts that customers did not agree to like XXXX XXXX.

Company response to consumer: Closed with monetary relief