vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Sortis Financial, Inc.
State: OH

Complaint narrative:
Back on XX/XX/2010 I found a house in XXXX Ohio XXXX with a for rent sign in the window. I called the number XXXX and a guy answered by the name of XXXX XXXX and advised me he was with XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX  and that I could obtain the property if I could fix the home to live in and pay XXXX down and XXXX a month until I reach XXXX for the deed to be transfer in my name or I could opt to rent the home. Well it sound like a great idea at the time due to my living situation. So he forward me an application I completed it and he sent a notary to me to sign a contract then I sent him XXXX and I paid XXXX for a few months then I went to call the number to ask some questions it was disconnected. Then I started receiving letters from different loan servicing companies. So I started to do some research online and found out it was a scam the taxes were not being paid and the contract was never filed with the state of OHIO as a land contract or anything. I started to read online reviews and it said to just follow the lender so as I am getting letters from different loan servicing companies which was about five I believe telling me to pay. I just started to pay seeing as if I just spent XXXX to fix up the home. Then the amount change when it went to clear spring loan servicing aka sortis financial so I stop making payments and been trying to fight my way out of the home with my good name in tack. Out of all the loan servicing companies who were collecting for whoever this lender is only one has reported to my credit bureau which is clear spring loan aka sortis financial they had reported this is a conventional loan mortgage, and it is close due to transfer with a XXXX balance. I am in the market to try to obtain a rightful loan with a bank and I can not get any assistant from the OHIO HOUSING FINANCE AGENCY. Because its reported on my bureau I have a mortgage. Theres no deed with my name on it from the state of Ohio, I have no rights to obtain anything on this property. This is fraudulent I have contacted an attorney who told me to move and walk away. But its reported to my credit report as if I had a mortgage. I been in contact with SORTIS FINANCIAL AKA CLEARSPRING LOAN and they will not remove this from my CREDIT REPORT they just keep giving a explanation its close as transfer to another lender who has not reported to my credit report. I keep disputing this with the credit bureau and only XXXX has removed the remark. XXXX and XXXX will not remove this remark. Please advised me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 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: NV

Complaint narrative:
This is my second request to remove this Bankruptcy from XXXX XXXX. From my credit report reported in XX/XX/XXXX. XXXX and Experian please remove or provide proof this is my debt. I have lived in XXXX XXXX  Nevada since XX/XX/XXXX. Here is my Nevada ID '' s from XX/XX/XXXX to XX/XX/XXXX .There is no way I lived in Alabama and XXXX XXXX at the same time. I am requesting again to please remove. This is indeed fraud.

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 2018-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have a loan with WELLS FARGO DEALER SVC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and WELLS FARGO DEALER SVC with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX XXXX / XXXX, 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 2018-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Received a letter stating that one of my busIness accounts was being closed. When I called the bank they said that they did a review and decided that they decided to stop doing business with this entity. The problem is that this entity is a holding account and the the owner of another account ( and credit line ) with the same bank under the same group ID. They said that there was nobody to talk to, there were no notes, and there was not explanation- just that they decided that they didnt want our business any longer.

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 2018-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BBVA FINANCIAL CORPORATION
State: CO

Complaint narrative:
I attempted at least 3 times from XX/XX/2018 to XX/XX/2018 to work with the company BBVA compass to lower payments, extend the loan or in some way help me so I don't loose the car. I am continually told that my account is to new and they can't do anything for me. I send what money I can but they still are not happy with anything I have attempted. Also when I try to call I'm am waiting for hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Hi, I have two collectors that keep contacting me - the first one is XXXX XXXX - everyday they call and say they say Im going to be arrested, a warrant is issued for my arrest or something a long those lines - I have informed them 100 times that this account is not mine and still they keep calling harassing me - my identity was taken and the person who did so, got a phone, car, and a lot of other hints from what I see on my credit report - Santander is the other one who calls atleast twice a week to inform me that I am going to be issued a summons to be detained for collection, when the car and account isnt mine either! I dont even drive & Im XXXX! I need help getting this to end and fixing my score its affecting my mental health daily and my family and our daily life - its aweful and torture

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
After bankruptcy, i tried to rebuild my credit. I applied to a wellsfargo creditcard and was told no a couple of times and i was told i was denied because of the bankruptcy. I was told i could open a secured card to rebuild my credit with a deposit. I opened it with XXXX then i was told i need to open a checking account with XXXX and a saving because wells fargo does not lend to non customers. I need to build my credit so i agreed. After a few years in fees in the checking, savings and credit card. I decided to park XXXX in the saving to avoid fees yet i was still charged and when i called to complain they told me i need to keep a minimum of 300 a month this went on for 3 month were i did not touch XXXX from the account and was still charged monthly fees, so i pulled the money because they would charge me the monthly fee regardless. After a while wellsfargo returned my security deposit and increased my balence of credit. I fell in hard times and used it. After a while i tried to renegotiate my rate and was told no multiple times. So i said i would close the checking and savings. I was reminded by the bank that they only extend credit card to bank customers and if i was not a customer my balance was due. I did not have the cash so i just left the account open. I dont even use the checking and savings with them, i have a main account with chase were i pay my bill and everyday expenses.

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 2018-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
Yes I tried for months to get my card unblocked and address change. I did infact get up to the higher reps who sent me a letter to a address i dont even live at anymore. Today they did after months of trying to get my card unblocked sent the letter to the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX indiana XXXX. But I feel entitled for my card to be reopen if it is closed becuse i couldnt log on online banking to pay my card and i didnt even get to use it alot. I feel owed a credit and my credit card back current and open. The last four digits of the card i been trying to get unblocked at citi bank forever is XXXX. My name is XXXX XXXX ssn XXXX XXXX XXXX DOB XX/XX/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 2018-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd.
State: OH

Complaint narrative:
I am not the one they are looking for and they still call two to four time a week. The person has not live here for about three to four years ago they told by landlord to move for not paying rent..I told them not to call again I am XXXX years old

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I contacted Bank of America that I wanted to cancel my XXXX XXXX branded credit card when I recieved my advance notification of my renewal fee. This was approx. 6-8 weeks prior to the renewal date. The agent assured me he would cancel my account. 

Instead, they did not cancel my card, and charged me the annual fee. When I attempted to contact them to discuss the issue on XX/XX/2018 between XXXX XXXX, they never answered the phone. I even tried to get help through their fraud department who also gave up on trying to get their own customer service department on the phone. Their website provides no online options, no addressses, nothing other than the phone no. that they will never answer. I spent a combined time of 1.5 hours on hold, attempting to get help. They never responded. I dont know what else to do. It appears that they are purposefully trying to avoid cancelling my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-07 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: AZ

Complaint narrative:
I am a victim of identity theft. The following account and credit inquiry is listed on my Equifax credit report and is fraudulent, unauthorized and not mine : XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX XX/XX/2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Previously filed a complaint about access being blocked by capital one and received a response back from capital one and you closed the complaint. The matter has not been resolved and I am more than happy to provide an actual screenshot or access to my account to the bureau for validation of the continued blocking of my account. This is insulting and a bait and switch ploy. After following the instructions given by XXXX XXXX on behalf of capital one, I land on a page stating, in bold letters that my account is BLOCKED from allowing any access to 3rd parties. I have lost money and continue to lose money from this and this is why I continue to not be able to fund my accounts or transfer funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
I received a preapproved offer in the mail for a personal loan to be used for debt consolidation. I called the number on the letter to apply and was again pre approved. They asked me to send in several documents for identification and income verification purposes ( which I did ). Without any call or explanation they closed my account. This has been very frustrating for me as I am an elderly woman and live in an XXXX XXXX XXXX and have to rely on my daughter to come and help me fill out applications and upload forms. This marketing was very misleading and now it has resulted on a closing of my account with no reason and a hard inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have a loan with WELLS FARGO DEALER SVC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX   XXXX and WELLS FARGO DEALER SVC with no successful resolution. XXXX, XXXX and XXXXn were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX XXXX / XXXX, 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 non-monetary relief
Consumer complaint received 2018-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and XXXX XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX / XXXX, XXXX, XX/XX/XXXX / XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I purchased an USED XXXX XXXX XXXX, on XXXX from seller XXXX. I received the miner around the first week of XXXX. Before I used the miner I  contacted the seller and expressed that the condition of the item should have been in better condition for the price I paid. He replied that I should have only bid the amount I was willing to pay, and that I had " buyers remorse. '' A few days passed and I set up the miner, on XX/XX/XXXX I contacted him through XXXX  messages again and told him one of the boards inside the miner wasnt working, and that one of the fans was damaged. He responded on XX/XX/XXXX he sent me a return label to my email and once he received the miner he would test it and send me another one. It was sent via XXXX and delived XX/XX/XXXX. 

Tracking XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX To make a long story shorter I misplaced the tracking information after it was delivered and continued contacting the seller ( several times ) through XXXX asking what the status of my replacement was. Last he told me he couldnt find my order, and needed more information. He had my order number, name, email and he sent the return label. I dont know what other information he could need. He has since no longer been in contact with me. 

I disputed the charge with XXXX, but they only offer a money back guarantee for 30 days and I was outside that window. They told me to go through XXXX since I paid through them and they offered a longer protection window. I contacted them several times. The first time I opened the case on XX/XX/XXXX. I was told the case was closed due to lack of information on my end. I reopened the case XX/XX/XXXX. The case was closed again. First XXXX said they couldnt track the return. I then asked to speak to a manager he told me the case was closed because the seller revoked the return authorization. Its very upsetting that XXXX wont offer any assistance in this situation. Thats why this service is used so that people dont get scammed like I have. The rep then told me that I should pursue my credit card company since I have no contact information for the XXXX seller. I opened a case with my credit card company as well, but they needed more information, once they received the information to support my case they told me too much time has passed and they cant do anything to help me with this case. 

Afgter

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 2018-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
there is 5 accounts with XXXX XXXX XXXX acct no, XXXX for {$3000.00} acct no XXXX for {$2300.00} acct no. XXXX for {$1600.00} acct no. XXXX for {$410.00} acct no.XXXX for {$390.00} I reported to Equilfax that these do not belong to me for the past 12 years and can not get them to remove them ... .. then XXXX   XXXX acct no.XXXX  for {$220.00} then XXXX XXXX XXXX acct no . XXXX for {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 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: ARS National Services, Inc.
State: CA

Complaint narrative:
I have contacted XXXX XXXX numerous times to dispute an account that is not mine and may be a possible case of identity theft. I have no memory of this account.I have asked that thisaccount be removed after exercising my right under Section 609 ( a ) ( 1 ) ( A ), the requirementof creditors and credit reporting agencies to verify accounts through physical documentation, verification of the original signed consumer contract and/or identification used to open the account. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. I have requested such documentation from XXXX XXXX and it has not been provided. I also requested physical verification from XXXX XXXX, XXXX, and XXXX, all of which have not provided any sort. Somehow, these credit bureaus keep verifying data without furnishing any proof of a proper investigation or obtaining the physical proof required by section 609 ( a ) ( 1 ) ( A ) of the FCRA. When asked about this, XXXX, XXXX, and XXXX XXXX personnel replied that they use the E Oscar system to verify debts. This is not acceptable. These credit bureaus keep verifying information that is incorrect by basically matching numbers already in their data base, thus making it next to impossible to remove an account that isn't mine to begin with. This is not a reasonable investigation and their willful noncompliance is a violation of my rights as a consumer. This is my last step in trying to resolve this issue before seeking relief and monetary damages for violations under FCRA sections 616 & 617

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
On XX/XX/2018 I sent a letter to who I believed to be the owner of the debt in question to validate said debt. Creditor responded by sending a " account summary report '' as opposed to what is required by law. 

On XX/XX/2018 I submitted letters to all three credit reporting agencies demanding that they remove the account attached to " XXXX XXXX '' from my credit report as inaccurate. I disputed this report because ( 1 ) the listed owner of the debt did not accurately reflect the entity attempting to collect the debt, and ( 2 ) the entity collecting the debt did not provide adequate information under FDCPA because they did not submit a signed copy of the contract from the initial credit provider. Subsequently, the account was removed from my credit report. 

However, about a month later, the debt was recertified on all three credit reports. I sent another letter to the entity that was attempting to collect the debt requesting that they verify if they were the owners of the debt, and if not, to cease and desist attempting to collect. I again was sent an " account summary report '' with no response to my further questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
there is 5 accounts with RashCurtis & Associ acct no, XXXX for {$3000.00} acct no XXXX for {$2300.00} acct no. XXXX for {$1600.00} acct no. XXXX for {$410.00} acct no.XXXX for {$390.00} I reported to XXXX that these do not belong to me for the past 12 years and can not get them to remove them ... .. then XXXX   XXXX acct no.XXXX for {$220.00} then XXXX XXXX XXXX acct no . XXXX for {$200.00}

Company response to consumer: Closed with explanation