vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: WA

Complaint narrative:
When checking my credit report it became apparent there was an old XXXX cell phone bill that apparently hadn't been paid and I had NEVER been notified about. I contacted XXXX directly and paid them, as they were the original creditor. I then contacted the collection agency attempting to collect the debt and asked them to update their records and delete the account from my credit report, as they have no collection authority on a non-existent debt. They refused to comply or even give me any information about how to contact a higher up in the organization. I was simply hung up on more than once.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I have been paying XXXX XXXX every month and I am so called current after paying them for a year. I took out the title loan in XX/XX/2018. What's insane is that I have tried to settle and they tell me after paying over 3000 that I would need to pay atleast an additional XXXX. Which is the total price of the loan. I am a XXXX vet and a single father of a XXXX year old. I'm on a fixed income and took out the loan because of an emergency. However. They threaten to repossess my car after being 2 weeks late. Also they ask me the reason I am late and I tell them my issues and they don't try to work anything out. I'm stressed and this situation isn't getting any better. I'm current but I'm being charged $ XXXX/day if I'm late but am told that I have a 10 grace period. It's not a grace period and different people tell me different things when I call. The agents told me that they are not supposed to send me my bill and what is exactly owed. I was finally provided that document II can't keep paying {$310.00} a month for years to come. I have already paid the loan with over {$400.00} interest which seems to go up every month. 
I was also told my interest rate would be at 7 % but apparently its over 140 % plus late fees!!!. I still owe the amount I started with because of the interest and late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Terrill Outsourcing Group
State: DE

Complaint narrative:
On XX/XX/2019, I received a letter from Superlative RM ( see attachment ) trying to collect a debt apparently posted by the company XXXX XXXX XXXX XXXX. I have never heard of nor dealt with XXXX XXXX XXXX XXXX. Considering that my credit information has been and remains permanently frozen, I must question whether any debt was ever incurred in the first place short of extreme lack of due diligence on the part of XXXX XXXX XXXX XXXX. I am further aware of no debt with any company or person on my part short of credit cards which I pay off in full every month rather than carry a balance. I have not communicated with either Superlative RM or XXXX XXXX XXXX XXXX since the whole experience and rather threatening tone of Superlative RM 's letter has the feel a scam that could only grow if fed any personal information. XXXX   Superlative RM on the internet turns up not only numerous complaints but also a law firm specializing in dealing with problems with Superlative RM. Street view on XXXX maps of Suplerlative RM 's address shows a small, nondescript, unlabeled building behind a cinder block wall further reinforcing the unsavory impression of Superlative RM 's letter and its content.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXX of XXXX I sent certified letters to Equifax for two accounts listed on my credit profile. I mentioned that both the accounts werent mine. I also mentioned that the accounts seemed to be fraudulent erroneous and I sent in documents to present to show and the account was removed but following the next couple days the accounts were listed onto my credit profile. I believe that is completely violating my rights as a consumer and that could place this company or companies in jail for consequences of breaking and violating the law. I can show you how the company violated my rights. The account was placed on my account without my acknowledgment, I wasnt contacted by Equifax, XXXX nor any collections company. I stated and sent in certified verifying documents. You have now violated my rights through the FCRA the debt buyer or CRA have failed to comply with its obligations, I am able to sue for violations of the FCRA. I will be filing a lawsuit looking to get actual damages, punitive damages, and attorneys ' fees and costs of {$1000.00} per item. This is not a threat this is malpractice and violating my rights as a consumer through the FCRA and this matter will be taken up in court. I am only an intern dispute allowing less than 3 days for this matter to be completely and permanently removed and resolved. If you attempt to continue reposting these accounts I will be sure to contact law enforcement authorities, contact my attorney generals office, file more than one lawsuit. The two accounts that were listed and dates incorrectly stating that the account was opened in XX/XX/XXXX and in XXXX of XXXX and it was recently removed. I pay close attention to my consumer report and I receive alerts on my credit file and keep up to date to assure fools like you guys arent trying to dismantle my life placing erroneous debt on my credit file to make my life a living XXXX. I will be sure to place this online so that consumers are able to view this via online. I will also be filing a complaint as well. 1. XXXX XXXX XXXX XXXX, was changed to XXXX XXXX, 2. XXXX XXXX XXXX replaced an account onto my credit file as well. It was placed on my credit by the same collections company and that is a violations. Look at the dates it was removed and how quickly this account was placed back onto my credit profile. Well lets put it this way, this seems like a criminal act upon the credit bureaus and collections company. There was never a document sent to me to verify jack. I kindly ask for any documents bearing my signature a few months ago. Youre also violating my rights within the HIPPA laws as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Performant Financial Corporation
State: IN

Complaint narrative:
On XX/XX/2019 when I was FIRST notified of this debt via a hold against the funds in my checking account, I reached out to XXXX XXXX and attempted to make arrangements to repay the debt via suitable arrangements per the rep XXXX, in my cooperative attempt I gave my info and employment info and was told can't make arrangements or even discuss the matrix or criteria of making arrangements until the amount of funds on hold with my bank was verified and she would return my call. No call was returned so I contacted her again and was told half of the debt over {$2100.00} was needed as a down payment although here were questions asked what could you make as a down payment. I offered {$200.00}. She denied. And respectfully I asked for supervisor mame. When I called XXXX XXXX the rep I spoke with advised me neither supervisor was available and that the debt doesn't have to be validated with me and a garnishment order has been sent to the employer that I had provided and that a supervisor will return my request for a call back today ( XXXX at XXXX XXXX. I have had no communication with them about collecting this debt.via mail or written

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 2019-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants Adjustment Service, Inc.
State: AL

Complaint narrative:
Did not receive notice of the collection of this debt, nor did I receive any notice of being able to dispute this debt. This debt is showing as a negative remark on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I received a phone call from the company XXXX about making my credit card payment. I stated that I would be going online to make the payment when I hung up, which I followed through. On the payment site I made selections for the {$40.00} plus dollars which was the XXXX due and on the card. Followed the steps to the next page and something must have gone wrong as the payment did not go through. I at the time thought it was complete. It was not until I noticed a significant drop in my credit score,  called XXXX to understand the issue and ensure I had not been a victim of identify theft, that I found out my score significantly dropped due to an unpaid bill of {$70.00} plus dollars ( {$40.00} plus the late fee ) for this XXXX account. I have had this account since XX/XX/2012. A credit limit of {$1000.00}. I most always make the full payments prior to the month of the purchase because I only use the card for the points. I have never missed a payment. And this was reflected on my score of an XXXX that dropped to XXXX because of a {$40.00} bill and a {$35.00} late fee from XXXX. This is ridiculous to allow a company to have the right to claim this type of penalty.

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 2019-08-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: DE

Complaint narrative:
Navient calls me more excessively everyday to work on getting my account current. I have expressed to them multiple times, that I am going through a rough personal time but they do not see to care. 

Sunday, XX/XX/XXXX @ XXXX Monday, XX/XX/XXXX @ XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Tuesday, XX/XX/XXXX @ XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX The above is a list of the last three days worth of phones. That is nuts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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: BB&T CORPORATION
State: VA

Complaint narrative:
BBT REFUED TO INVESTIGATE AND ACCOUNT THATS DO NOT BELONGS TO ME BUT WAS USED TO PAYA XXXX ACCOUNT FROM XXXX ACCOUNT CLEARLY NOT MY ACCOUNT XXXX SAY I AM4 MONTHS BEHIND ON PAYMENT MY SCORE DROPPED 50 POINT THIS IS NOT MY ACCPUNT NEITHER ONE

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 2019-08-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Attempted to dispute factors on my credit score but was only able to dispute certain items and not others. Was looking to dispute an open account that was being reported incorrectly as well as a collection account that I would like disputed and removed but had no success. I was only able to dispute personal information

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 2019-08-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with fraud alerts or security freezes — 
Company: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
unlawful use of my personal information and social sercurity number, with out my knowdlege. A hard credit inquirie was posted to my credit repoort on XX/XX/2019 via 1st Franklyn Financi XXXX XXXX XXXX XXXX, XXXX, Ga. I have not done business with this company since they ripped me and my sister off years ago. I will never again do business with this comanpy, Ive tried to handeld this my sef but I am not getting very far. I think these people are taking advantage of peopel, they have tried to take out another lone with out me knowing or even being present in that office. They have stolen my idenity and I hope this is not normal business pratices.

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 2019-08-29 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: VA

Complaint narrative:
XXXX REFUED TO INVESTIGATE AND ACCOUNT THATS DO NOT BELONGS TO ME BUT WAS USED TO PAYA XXXX ACCOUNT FROM XXXX ACCOUNT CLEARLY NOT MY ACCOUNT XXXX SAY I AM4 MONTHS BEHIND ON PAYMENT MY SCORE DROPPED 50 POINT THIS IS NOT MY ACCPUNT NEITHER ONE

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 2019-08-29 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: Rocket Mortgage, LLC
State: GA

Complaint narrative:
On XX/XX/2019 I received a notice from XXXX that there had been a change to my credit score. Upon reviewing the details of my credit I noted an inquiry was completed on both XXXX and XXXX by Quicken Loans, dropping my credit score by a total of 38 points and moving me down from an excellent credit standing to good. 

I have not applied for any loans with Quicken Loans. I have not supplied Quicken Loans with my personal information. I have not received any contact from Quicken Loans to confirm authorization to complete an inquiry on me nor complete an application of debt/loan on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XXXX of XXXX I sent certified letters to XXXX for two accounts listed on my credit profile. I mentioned that both the accounts werent mine. I also mentioned that the accounts seemed to be fraudulent erroneous and I sent in documents to present to show and the account was removed but following the next couple days the accounts were listed onto my credit profile. I believe that is completely violating my rights as a consumer and that could place this company or companies in jail for consequences of breaking and violating the law. I can show you how the company violated my rights. The account was placed on my account without my acknowledgment, I wasnt contacted by XXXX, XXXX nor any collections company. I stated and sent in certified verifying documents. You have now violated my rights through the FCRA the debt buyer or CRA have failed to comply with its obligations, I am able to sue for violations of the FCRA. I will be filing a lawsuit looking to get actual damages, punitive damages, and attorneys ' fees and costs of {$1000.00} per item. This is not a threat this is malpractice and violating my rights as a consumer through the FCRA and this matter will be taken up in court. I am only an intern dispute allowing less than 3 days for this matter to be completely and permanently removed and resolved. If you attempt to continue reposting these accounts I will be sure to contact law enforcement authorities, contact my attorney generals office, file more than one lawsuit. The two accounts that were listed and dates incorrectly stating that the account was opened in XX/XX/XXXX and in XXXX of XXXX and it was recently removed. I pay close attention to my consumer report and I receive alerts on my credit file and keep up to date to assure fools like you guys arent trying to dismantle my life placing erroneous debt on my credit file to make my life a living XXXX. I will be sure to place this online so that consumers are able to view this via online. I will also be filing a complaint as well. 1. XXXX XXXX XXXXf XXXX, was changed to XXXX XXXX, 2. XXXX XXXX XXXX replaced an account onto my credit file as well. It was placed on my credit by the same collections company and that is a violations. Look at the dates it was removed and how quickly this account was placed back onto my credit profile. Well lets put it this way, this seems like a criminal act upon the credit bureaus and collections company. There was never a document sent to me to verify jack. I kindly ask for any documents bearing my signature a few months ago. Youre also violating my rights within the HIPPA laws as well.

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 2019-08-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have contacted all three major credit bureaus about my bankruptcy information being incorrect on my credit report. The only credit bureau to respond has been experian and they are still not following federal law. As such, XXXX and XXXX are not providing me online access to dispute any of items on my credit report which are inaccurate. 

I have brought these inaccuracies to these three credit bureaus several times. I need my bankruptcy verified by a human, otherwise it needs to be deleted. It has been wrong for over eight years and this is ridiculous. My ability to access the credit markets is limited and all because they are not reporting correctly.

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 2019-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Spirit Airlines offers a credit card that goes through Bank of America. The card offers " XXXX XXXX priority boarding on all flights '' ( from spirit.com credit card application ). I applied for the credit card which I had for about a little over a year. I booked my spirit flights through spirit website and paid with my spirit credit card. My flights are XXXX XXXX instead of the advertise XXXX  XXXX on all flights. 

A company should not advertise such benefits if they are not able to honor it. I reached out to Spirit about the matter but no one fully addresses the situation.

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 2019-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
On XX/XX/2019 I sent certified letters to XXXX for two accounts listed on my credit profile. I mentioned that both the accounts werent mine. I also mentioned that the accounts seemed to be fraudulent erroneous and I sent in documents to present to show and the account was removed but following the next couple days the accounts were listed onto my credit profile. I believe that is completely violating my rights as a consumer and that could place this company or companies in jail for consequences of breaking and violating the law. I can show you how the company violated my rights. The account was placed on my account without my acknowledgment, I wasnt contacted by XXXX, XXXX nor any collections company. I stated and sent in certified verifying documents. You have now violated my rights through the FCRA the debt buyer or CRA have failed to comply with its obligations, I am able to sue for violations of the FCRA. I will be filing a lawsuit looking to get actual damages, punitive damages, and attorneys ' fees and costs of {$1000.00} per item. This is not a threat this is malpractice and violating my rights as a consumer through the FCRA and this matter will be taken up in court. I am only an intern dispute allowing less than 3 days for this matter to be completely and permanently removed and resolved. If you attempt to continue reposting these accounts I will be sure to contact law enforcement authorities, contact my attorney generals office, file more than one lawsuit. The two accounts that were listed and dates incorrectly stating that the account was opened in XX/XX/XXXX and in XXXX of XXXX and it was recently removed. I pay close attention to my consumer report and I receive alerts on my credit file and keep up to date to assure fools like you guys arent trying to dismantle my life placing erroneous debt on my credit file to make my life a living XXXX. I will be sure to place this online so that consumers are able to view this via online. I will also be filing a complaint as well. Law Offices Of Mitchell, was changed to MBA LAW. It was placed on my credit by the same collections company and that is a violations. Look at the dates it was removed and how quickly this account was placed back onto my credit profile. Well lets put it this way, this seems like a criminal act upon the credit bureaus and collections company. There was never a document sent to me to verify jack. I kindly ask for any documents bearing my signature a few months ago. Youre also violating my rights within the HIPPA laws as well.

Company response to consumer: Closed with non-monetary relief