vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Sir or Madam:To whom it may concernThe sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXXThe items listed are clearly fraudulent; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA § 605B(b), 15 U.S.C. § 1681c-2(b).III. A. Blocking Information in Credit Reports under Sections-605B and 623(a)(6)Under section 605B of the Fair Credit Reporting Act (FCRA), both the credit reporting agencies (CRAs) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA (furnishers) are responsible for blocking fraudulent information from appearing in victims’ credit reports, blocking fraudulent information from appearing in victims’ credit reportsPlease let me know if you need any other information from me to block this information on my credit report.Sincerely,XXXX XXXX XXXX XXXX XX/XX/XXXX

XXXX XXXX XXXX XXXX XXXX fl 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 non-monetary relief
Consumer complaint received 2018-09-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
An extended protection warranty was purchased on a XXXX XXXX XXXX purchased in XX/XX/XXXX when the vehicle was purchased from XXXX XXXX in XXXX, Florida for the amount of {$1800.00}. I recently traded the XXXX XXXX XXXX in for a new XXXX XXXX XXXX, my XXXX XXXX trade had less than XXXX miles and was still under the factory warranty. 
I then was requesting my refund back from the extended warranty and found that the extended warranty which costs {$1800.00} was prorated back to the day I purchased the vehicle even though the extended warranty was not used nor took effect. Out of the {$1800.00} I only received XXXX refund and this is just plain old robbery of the consumers! 
I called and met in person with the general manager at XXXX XXXX and my complaint in essence fell on deaf ears! I also called XXXX XXXX XXXX , XXXX which is the holder of the extended warranty and same just fell on deaf ears! My feeling is that the CFPB should look into this ripping off of the consumers and this needs to be fixed!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 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: GA

Complaint narrative:
There are many accounts open on my credit report, they use a different name because they provably didn't know my real name, They use XXXX, XXXX and other names my real name is XXXX XXXX and I was deployed in the XXXX service in XXXX, XXXX XXXX and XXXX XXXX I have my deployment orders all the data is incorrect please assist. I am in town for the next 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX File XXXX Citi fraud team texted and call me about unauthorized fraud transactions and closed and replaced my XXXX account ending in XXXX Citi bank lied my card was lost or stolen where as some one from citi bank leaked my XXXX information to unauthorized person. 

Status Date Description Amount Cleared XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4.00} Cleared XX/XX/2018 XXXX XXXX  XXXX XXXX XXXX XXXX   {$23.00} Cleared XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX  {$11.00} Cleared XX/XX/2018 XXXX  XXXX XXXX XXXX XXXX XXXX  {$79.00} Cleared XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX   {$79.00} Cleared XX/XX/2018 XXXX  XXXX XXXX XXXX XXXX XXXX {$79.00} Cleared XX/XX/2018 XXXX  XXXX XXXX XXXX XXXX XXXX {$79.00} Cleared XX/XX/2018 XXXX  XXXX XXXX XXXX XXXX XXXX   {$78.00} Cleared XX/XX/2018 XXXX  XXXX XXXX XXXX XXXX XXXX  {$77.00} Cleared XX/XX/2018 XXXX  XXXX XXXX XXXX XXXX XXXX {$75.00} Cleared XX/XX/2018 XXXX  XXXX XXXX XXXX XXXX XXXX   {$69.00} Cleared XX/XX/2018 XXXX 'S # XXXX XXXX XXXX {$21.00} Cleared XX/XX/2018 XXXX 'S # XXXX XXXX XXXX  {$20.00} Cleared XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1.00}

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 2018-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Greetings, Thank you for trying to protect us from evil. First off, I have been a Chase customer for many years and I have PAID OFF SEVERAL BALANCES ON TWO CARDS. My balance is 0 now, I have not used card in a few months and I am getting phishing scams on a personal email for my info., so I call Chase to lock my acct. for a few months, because I don't want to close acct., effecting my credit score. They are oh so nice and tell me yes they can lock both my business and personal acct. for a few months, just call when I want to use. Now today I get an email, telling me, if I don't use my acct. THEY WILL CLOSE IT. Chase is the most evil company I have ever dealt with & they need to be held accountable for their evil practices against customers who have paid their debts for years & have excellent credit and THESE COWARDS NOW WANT TO CAUSE MY CREDIT SCORE TO BE LOWERED BY CLOSING MY ACCT. PLEASE PLEASE ADMINISTER FINES TO THIS COMPANY FOR CUSTOMER ABUSE. I DON'T WANT TO CLOSE MY ACCT. BUT THESE COWARDS ARE FORCING ME TO CLOSE THE ACCTS. BECAUSE I AM FOCUSING ON PAYING OFF MY DEBTS AND THEY CAN'T STAND IT. PLEASE HELP US PROTECTION BUREAU.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I had a deposit come through to my account for {$800.00} ( my account was prior negative {$260.00} ) and several debit transactions followed. The credit of {$800.00} shows that it was applied to the account followed by the debits ; However I was still charged overdraft fees for each item that posted after the deposit/credit ( 3 fees total ). When contacted the bank ( PNC ) I was told that it was deposited yesterday but they held the funds until this morning. I was told prior that credits post before debits. so if my act is negative $ XXXX and a {$800.00} deposit comes in my balance should then be {$540.00} and the remaining debits should then come out. Even though this is what shows how the transactions processed I was still charged over draft fees. 

When I went in yesterday to ask the bank about this they told me the deposit probably wouldn't be available until 2 or 3 in the morning- it is a Reg CC Funds Availability that funds have  to be available the start of the business day they are available at XXXX XXXX. I feel like they held my funds unnecessarily and cost me {$100.00} in fees for no reason. 

In the last week, I have also had checks clearing my account same business day. I work at a bank and know this is virtually impossible unless the check is cashed at the bank it is being drawn from. Off the bank endorsements on the back of these checks- this is not the case. I was told at time of opening the account that I have until the end of the business day to make it positive if it goes negative. I will go to sleep with no checks clearing the account ( with checking it at XXXX XXXX ) and will wake up with a check clearing the account with yesterdays date. How can a check clear same day but it wasn't showing on the account earlier? How can I bring money in to bring the account positive if you are putting a past date on it? 

I feel like PNC is violation Reg CC and Reg E.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
My loan servicer is Navient but I get multiple calls a day from XXXX XXXX XXXX leaving voice mails about my student loans. I used to answer and the person I spoke to said they have no affiliation with XXXX XXXX XXXX, they even checked with a supervisor. My guess is that Navient is disguising their phone number and using a XXXX XXXX XXXX number? I'm sure I am not the only person they are trying to deceive. Or is this a scammer phone number trying to get money out of me? I told them I do not have any business with XXXX XXXX XXXX and I will not discuss any of my details with them, yet they call multiple times a day and have filled up my voice mail box on my cell phone. I am at work and my cell phone is constantly ringing from XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Today XX/XX/2018 I tried submitting a dispute online with equifax. I answered all the security questions and put in the information they were asking for after all that an error message came up that I am unable to submit a dispute. I am submitting this complaint because there are a few accounts on my equifax credit report that do not have the correct balances. My XXXX XXXX  card is reporting more of a balance owed than what I actually do owe. Also my XXXX  XXXX accounts my balances have decreased by {$300.00} they are reporting with higher balances. I attempted to correct this but unable to get online to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient tried to increase the amount of my monthly payment 3 months ago, claiming they redisclosed new terms of my loan and that my loan would not be paid off within the 360 months I had originally signed. This increase was made after 14 years of the same monthIy payment. Navient had bought my loan from Sallie Mae, who had bought my loan from XXXX. I spoke to 3 levels of supervisors who then agreed to change the amount back to the original monthly payment I had been making. 3 months later, Navient again tried to increase the monthly payment, claiming again that my current payment would not fit into 360 months. I argued that any monthyl loan payment should stay the same from beginning to end unless terms were renegotiated. They repeated that they had to abide by federal guidelines and " redisclose '' new terms. 

This is false and predatory action. Repayment of any fixed rate loan should never change.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
In XX/XX/XXXX bought a new XXXX XXXX XXXX from XXXX XXXX in XXXX, Florida and opted to add an additional product of life insurance that was provided by XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX in the amount of {$1300.00} for the term of the loan. I have traded this vehicle in for a new XXXX XXXX XXXX and was owed a refund for the life insurance from XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX and found that I was only to receive a refund for the amount of {$490.00} dollars out of the {$1300.00} paid to them. 
My feeling that this is another way of ripping off consumers considering that only two and one half years had elapsed on the loan and was charge {$880.00} this is an outrageous amount and again its a money maker for the company at the expense of the consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resource Management Group
State: CA

Complaint narrative:
Phone call was received on XX/XX/2018 at XXXX XXXX PDT and there was reference to a debt owed by a deceased family member. I tried to speak with a representative but only got an answering machine. 

The company is called Resource Management Group and the number they called from is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc.
State: VA

Complaint narrative:
Southwest Recovery Service is attempting to collect a XXXX XXXX debt for my step child. The debt is 8 years old and belongs to my wife however during that time we were not married nor living together until several years later. She is also fighting it on her side and has receipts to prove the debt is not valid. Southwest Recovery Service never contacted me about the debt but I found it on my credit report a few months ago. Tried to dispute it, letting them know it was not my debt, nor my child, nor was I involved at that time but they refuse to remove the debt. I asked them to provide evidence that the debt is mine and they can not.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are many accounts open on my credit report, they use a different name because they provably didn't know my real name, They use XXXX, XXXX and other names my real name is XXXX XXXX and I was XXXX in the XXXX XXXX in XXXX, XXXX XXXX and XXXX XXXX I have my XXXX orders all the data is incorrect please assist. I am in town for the next 2 months.

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 2018-09-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are many accounts open on my credit report, they use a different name because they provably didn't know my real name, They use XXXX, XXXX and other names my real name is XXXX XXXX and I was XXXX in the XXXX XXXX in XXXX, XXXX XXXX and XXXX XXXX I have my XXXX orders all the data is incorrect please assist. I am in town for the next 2 months.

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 2018-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc.
State: NJ

Complaint narrative:
My house and everything i owned was lost due to hurricane Sandy. 
I am in the process of rebuilding my home and i have had to rent a place while my home gets rebuilt. 
I qualified and recieved a Certification of Eligibility Sandy-Impacted Forbearance Certification and presented this along with documented evidance that my home was being rebuilt and was denied by Seterus my mortgage provider. I am ccurrently renting another place while i rebuild and would like to have this forebearance honored by my mortgage provide Seterus which will help enable me to complete the rebuilding of my home while renting a place to live. 
any advise or assistance would be greatly appreciated. 
Please advise. 
XXXX XXXX cell - XXXX XXXX XXXX. 
Thanks in advance. 
Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AL

Complaint narrative:
I made purchases from XXXX on line store in XX/XX/2017 by my XXXX XXXX debit card and returned the products in XX/XX/2017. But I cancelled my XXXX XXXX debit card in XX/XX/2017. But XXXX 's Bank 5th 3rd Bank still sent the refund back to XXXX XXXX my debit card account after I called them I cancelled my debit card and would like them to send me a refund check. After almost a year 's efforts to locate my refund, XXXX XXXX claimed it has received my refund on XX/XX/2017 from XXXX but also returned back to XXXX XXXX Bank 5th 3rd on XX/XX/2017. However, I haven't received any call or email about my refund from 5th 3rd Bank so far. I tried to talk to its customer service by email and calls. Either they told me money is in XXXX XXXX or just ignore my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
Id like to see the orginal contract that was signed in XX/XX/2012to verify my signature on he XXXX cell phone bill account. The current amount owed according to the caller is {$930.00}. I am disputing the debt and request it to be validated. They called me and I told them Id have to call them back later because Im currently at work. The caller then wanted to transfer me to someone else and continue to inquire about the debt. Im disputing the debt and would like it validated and I request that it be removed from my credit report 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 2018-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Revenue Corporation
State: TX

Complaint narrative:
I have two debates on my credit from United Revenue services for medical bills. I never recieved any emails, calls or mail in regards to either of these debates. I've tried disputing this fact but they came back saying debate is mine, which I AM NOT DISPUTING. I am disputing the fact that these are on my credit as collections account when I was never made aware of these bills never made aware they were going to collections. I cant pay monthly on something I am not aware of!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: PR

Complaint narrative:
XX/XX/18- The representative of XXXX XXXX XXXX called me within my working hours to collect a debt. A third person called me, did not identify himself and then he transfer the call to this representative. I tried to explain him that I was in working and can not speak about my personal stuff in front of my co-worker, but this person insisted in talking about why I have not pay my account. 

This company uses the " legal actions '' against the customer..this company never answer when I call them to negotiate my debts. Never answer the emails, and when I request an investigation, never did it. This harassment has to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-11 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX is committing fraud. I pulled my credit report and I noticed XXXX XXXX is negatively affecting my credit profile.I never had a contract with them, I never agreed to do business with them, and I never received anything from them. They are stating they bought a debt from a creditor and they have been reporting since last XX/XX/XXXX. I have tried disputing this inaccuracy in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with them but they haven't sent me anything they just keep verifying to the Credit Bureau. XXXX XXXX is breaking the law, according to FCRA all information reported must be 100 % accurate not fraudulent. Please delete this inaccuracy / fraudulent information from my credit profile.

Company response to consumer: Closed with explanation