vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Ms. XXXX filed an identity theft dispute of the fraudulent MasterCard account upon which Fifth Third declared " We have conclusive evidence that you conducted the transaction '' via letter of XX/XX/18. However, they provided no supporting evidence of this conclusion. XXXX submitted a formal dispute, including victim 's police report, on XX/XX/XXXX. The certified/return receipt requested was received by XXXX with an illegible signature as of XX/XX/XXXX. On XX/XX/XXXX, Fifth Third claimed that they did not have the Limited Power of Attorney, provided by XXXX, as was signed for on XX/XX/XXXX. So that same day, Ms. XXXX submitted a file disclosure request as allowed by law. That was again signed by an unknown again on XX/XX/XXXX. Ms. XXXX was then contacted by Fifth Third on XX/XX/XXXX requesting a copy of the Limited Power of Attorney, police report and ID Theft affidavit ( again ). This documentation was faxed to the representative at the provided fax # of XXXX. To date, neither XXXX or Ms. XXXX has received any documentation supporting Fifth Third 's claim of validity or evidence that Ms. XXXX actually applied for, authorized or used the account in dispute. This is a complete failure of XXXX XXXX to abide by Ms. XXXX 's legal rights as provided by FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: World Acceptance Corporation
State: TN

Complaint narrative:
I am late on making payment but have been in contact with the company yet the company call people that I know informing them they are looking for me to get touch with the about payment. Leaving the name of the person calling and the name of the company which clearly indicates the type of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
I was covered for my medical bill did not know the hospitol and doctors billed differntly and got send to collections when i speacked to collections they were not trying to help or understand my situaction very rude and did not help me at all.

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 2018-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: HW Holding, Inc
State: TX

Complaint narrative:
Date it was open : XX/XX/2015 Amount : {$9300.00} Actions : I have been called multiple times, after being dress I informed them not to call me. They insist on calling me all hours of the day. This that was due to nonpayment of rent, because we apartment I was in had a leak in the roof causing the wall to mold. I have email after email showing that the property manager said that it was going however the issue was never truly take care of. I informed her and corporate that I would not pay my rent until the issue has been resolved due to the fact that the inhabitants was on livable because of the mold. I spoke with corporate on the phone and was told it would be taken care of, however it has not been. Considering it is still on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ADVISORS MORTGAGE GROUP, LLC
State: FL

Complaint narrative:
This Advosors Mortgage Group it look like is not real. By mistake I applied with them for refinance my house and I received a small thank you card from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX... Inside the envelop is a little bussiness card from Advisors Mortgage group XXXX XXXX XXXX XXXX XXXX # XXXX XXXX CA XXXX NMLB # BRANCH XXXX NWLS # XXXX A+ Rating with the XXXX XXXX XXXX ... 

My personal bank account was hacked 3 times after the comunication with this people. 

I am not sure if this people they are involve too but my responsibility is report this type of issues..

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I hired a company to work on my credit in XX/XX/XXXX. I initially put a fraud alert on my profile because I did not want anyone to continue to use my personal information like before. ( My wifes purse was stolen and it had my personal information in it. ) I recently ordered my credit report and noticed that once again someone is applying for things using my information. How is this possible when I have a fraud alert and it specifically says to call my number in order to have my consent before running my information? I feel like this is a violation and the credit bureaus arent doing anything to protect my information. What is the purpose of a fraud alert if my information can still be used without my permission?

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 2018-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I bought two XXXX XXXX ( XXXX ) tickets through XXXX ( XXXX ). One for myself and one for XXXX years my granddaughter. I disputed the transactions as XXXX cheated about ticket price and their agent fees and also seat selection. XXXX resolved seat selection and I withdrew my disputes. 
XXXX split the PNR and cancelled my grand daughter ticket without any notice. They compelled me to book another ticket for my grand daughter at higher rate. BOA credited my first payment for my grand daughter but later they charged me again. 
Again XXXX played " dirty '' business and XXXX XXXX failed to provide the services. I again disputed all tickets and agent fee. 
BOA charged me tickets that XXXX XXXX cancelled and refunded. BOA charged all agent fee though it was so obvious that it was a BIG FRAUD. 
Fraud team of BOA, XXXX XXXX and XXXX have been harassing me since XX/XX/2017. Instead of listening and resolving BOA is charging me interest for one ticket. ( they debited two tickets for one XXXX years girl ). 
I visited BOA center in my area, the local officers also got convinced how one passenger can fly on two air tickets?? But BOA head offices have shut down their wisdom to fix their mistakes. 

The supporting documents can be viewed at XXXX XXXX XXXX XXXX XXXX XXXX Please let me know if you need further information. 

Looking forward to resolve the issue. 

Thank you, 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 2018-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Back in XX/XX/XXXX I was a victim of identity theft in a data breach with XXXX XXXX XXXX. In XX/XX/XXXX I submitted a dispute to all 3 major Credit Bureaus regarding my suspicion of identity theft. I have yet to have my disputes resolve or any feed back regarding this matter & its well over 60 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
On XX/XX/2018, I called Navient and tried to get a better/lower payment for my student loans because my family and I have been struggling to pay all our bills. One of the reps said that the only option for me was to lower my interest rate and get my bill down from {$410.00} a month to {$310.00}. I told her that was still too steep for me, having listed all my expenses and so forth. She called in a manager to ask if we could do anything further. The manager was very rude! She told me that if it was up to her, she would not have given me any assistance or even reduce my bill in the first place! However, since the rep had already given me the offer of {$310.00}, I could choose to accept or deny it. She was very rude, short and distasteful. I am totally disappointed with the company and this individual. I hope no one ever has to be subjected to this type of treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners Holding, LLC
State: GA

Complaint narrative:
I was covered for my medical bill did not know the hospitol and doctors billed differntly and got send to collections when i speacked to collections they were not trying to help or understand my situaction very rude and did not help me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: OH

Complaint narrative:
In XX/XX/XXXX, I applied for my mortgage company to remove the PMI off of our home and was told my the company who services our mortgage, Seterus , Inc that I would need to order an appraisal. I agreed. We received an appraisal and Seterus indicated that the PMI cancellation was denied because my LTV should have been at 77 %. I always thought that it needed to be at 80 %. Anyway, they asked that I pay in excess of XXXX to cancel the PMI or wait until XX/XX/XXXX and the PMI would automatically cancel from the home. In XX/XX/XXXX, I spoke to a supervisor by the name of XXXX in their Oregon office and he reassured me that the PMI was scheduled to cancel on XX/XX/XXXX and provided me with my new payment which was {$140.00} less than the actual payment. When XX/XX/XXXX mortgage statement arrived, I noticed that the payment had not dropped the PMI. I called Seterus and now their saying they did not drop the PMI cause my home is listed as an investment property. This information is far from the truth and they are not willing to drop the PMI off of the home for their own selfish reasons and I need help on them honoring their letter.

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 2018-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: MN

Complaint narrative:
I checked my credit and is an item, I never got any XXXX letter from the collections agency, Today I got a letter state they verify with the creditor ( since a request a verification to the CRA ) is my, no validation just a letter state is mine.I already made a complaint since they have a different name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I hired a company to work on my credit in XX/XX/XXXX. I initially put a fraud alert on my profile because I did not want anyone to continue to use my personal information like before. ( My wifes purse was stolen and it had my personal information in it. ) I recently ordered my credit report and noticed that once again someone is applying for things using my information. How is this possible when I have a fraud alert and it specifically says to call my number in order to have my consent before running my information? I feel like this is a violation and the credit bureaus arent doing anything to protect my information. What is the purpose of a fraud alert if my information can still be used without my permission?

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 2018-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I hired a company to work on my credit in XX/XX/XXXX. I initially put a fraud alert on my profile because I did not want anyone to continue to use my personal information like before. ( My wifes purse was stolen and it had my personal information in it. ) I recently ordered my credit report and noticed that once again someone is applying for things using my information. How is this possible when I have a fraud alert and it specifically says to call my number in order to have my consent before running my information? I feel like this is a violation and the credit bureaus arent doing anything to protect my information. What is the purpose of a fraud alert if my information can still be used without my permission?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have reached out to XXXX numerous of times regarding an account that was placed on my credit report. I informed them that I did not applying for credit with their company. They are still contacting me and reporting incorrect information to the credit bureaus. I have tried over and over to dispute this information and they keep insisting that the account is mine when it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: CA

Complaint narrative:
XXXX XXXX keeps selling to bill collectors a charge that is not mine. The CFPB has assisted me in the past in getting this resolved. A new company is now trying to collect it. Please tell them to stop harassing me for a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been doing everything I could do to prevent the misuse of my personal information. I even placed a fraud alert on my credit report that was supposed to stop companies from running my credit. The credit bureaus apparently gave me the wrong information and they are not doing anything to protect my information. Someone still has access to my personal information and the companies are not calling me to verify that its me that is trying to obtain goods.

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 2018-10-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
I have a stock account with Robinhood. I contacted the business on XX/XX/18 to withdraw my funds as I am experiencing an economic undue hardship and have a financial emergency. I explained to XXXX the situation and they were supposed to cut me a check for the money I had avail in my account. That was over 10 days ago and the money is still sitting in my account. I have reached out to them on several occasions explaining I need my money ASAP and they will not respond or send me my money. The last time I spoke with a rep was XXXX XXXX on XX/XX/18 who verified all my info to have a check cut and the money is still sitting in my account with robinhood. They refuse to disburse my money to me. I am getting charged penalties due to Robinhoods fraud of keeping money of mine that they refuse to send to me.This is securities FRAUD and they are stealing my money. I need a check in the mail overnighted. It has been over a week and they refuse to acknowledge my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: On-Site Manager, Inc.
State: IL

Complaint narrative:
I applied for an apartment on XX/XX/XXXX. I denied the due to an eviction. The eviction was filed in my bankruptcy case XXXX. There no public records about the eviction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Mitsubishi Motors North America, Inc.
State: IL

Complaint narrative:
I Have Excellent Credit but they ran my credit score 6 times at dealership without my consent. 

I purchased a vehicle on Wednesday XX/XX/18 at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. I allowed them to run my credit once, and they ran it six times, once through the dealership and through various banks. So, my credit score dropped as a result. I did not content to them running it multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Equidata, Inc.
State: VA

Complaint narrative:
I sent in a letter to have XXXX to remove collection items reporting because these items were not accurate. They never responded to the request sent however, they did update the file to remove the Name of the collection company and list it has a zero balance. Along with my letter I sent them supporting documents were these accounts were paid directly to the original creditor XXXX XXXX Hospital. I also received documentation from the original creditor that payment was received and excepted. I contacted them by phone on XX/XX/XXXX at XXXX XXXX  to ask them to explain the reason for reporting with no Company Name and balance and who was the company. They told me the company name was XXXX XXXX. They stated that the company verified this item belonged to me. Well I requested them to send me how this item was verified for the second time. This error in reporting is Defamation, Negligent Enablement of Identity Fraud and VIOLATION of the Fair Credit Reporting Act. 
,

Company response to consumer: Untimely response
Consumer complaint received 2018-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lending Club Corp
State: NY

Complaint narrative:
Lending club call my family members discussing my debt which I think was wrong. My family member gave them my number, but the calls to my family members continues.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted information to Equifax and they still have not removed these items, These accounts were opened with out my knowledge I made a police report with my local police department and they have still not deleted these accounts for XXXX  XXXX XXXX :XXXX XXXX XXXX XXXX :XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have disputed the late payments on account XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX with the credit bureau for several attempts, to no avail.. They failed to give me verification as to why they will not remove the account..The error has affected my credit score tremendously. CFPB please step up and fix this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: NC

Complaint narrative:
My ex-wife used my name to get a cell phone account that I did not give my permission. Now they contacting me to collect the debt. Because she my name. XXXX XXXX XXXX  keep on passing the debt over different collection agency so they can keep affecting my credit score. This debt was made in Alabama, I am in North Carolina been here since XXXX. These people traced me down but can not find her and she is there in Alabama where the debt originated from. Talk to XXXX XXXX XXXX two years ago when this took place and told them this is identity theft. They told me they will take care of it, but they are still holding me responsible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
i just dont think its right that the credit companys are still showing my bankrupsy after after 7 years

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