vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I have worked with BMW financial for BMWs for 6 years, never made a late payment. Upon the expiry of my XXXX lease, I returned my vehicle into the XXXX dealership as I moved from the bay area. I returned the car. The person at the XXXX   dealership said the car looks great and I signed an XXXX and that was it. 
Three weeks later XX/XX/XXXX I received a bill for $ XXXX+ stating there was {$XXXX} for excess wear on the after market rims I had placed on the car. I have the four original rims in my garage. Had I been given the opportunity to know what would be charged to me, I would have easily returned these. I received a third party assessment in the mail after I had already received a bill from BMW, stating that I would have the chance to rectify any charges assessed on the condition of the vehicle. I never was. 
I called BMW on the XXXX and they said it was a dealer issue. I called the dealer and they said it was a BMW issue. 
I had BMW offer a {$XXXX} discount off the {$XXXX} amount they requested, but I disputed the entire charge. On XX/XX/XXXX I sent a letter stating the above and got no response and just continued demands for the bill outstanding. 
I am shocked that they would treat a customer this way, with my history of perfect payments with BMW. 
I got no response. No explanation. No offer to take the original as-new rims. Nothing just a $ XXXX invoice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 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: TX

Complaint narrative:
I have sent Experian and XXXX  everything that they ask me to send them to show that I was a victim of identity theft

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 2019-10-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
STATUS ID # XXXX Feedback provided on XX/XX/2019 Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS WF reply is not in reality? False information on Balance of Unpaid taxes [ $ XXXX ] which I always pay myself. If you looked at my PAID Interest payments of XXXX and XXXX of $ XXXX, it left my Payoff balance for XXXX. WF is playing XXXX XXXX XXXX with the Interest? Payoff was XXXX not XXXX, How could anyone Payoff a Illegal Balloon of $ XXXX, or Foreclosure TWO MONTHS EARLY?? A Myth Their claim of Interest on interest is USURY and they'll be going to Claims Court for a Judgement against them. Why did CFPB not enforce this Violation? Have WF DEFAULT IN FRAUD BY XXXX XXXX, XXXX XXXX XXXX of 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 2019-10-11 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: TX

Complaint narrative:
I HAVE CONTACTED YOUR COMPANY AND INFORMED YOU THAT THE FOLLOWING ACCOUNTS DO NOT BELONG TO ME YET YOU STILL CLAIM THAT THEY ARE VERIFIED. MY QUESTION IS HOW CAN A FRAUDULENT ACCOUNT BE VERIFIED. I KNOW FOR SURE THERE IS NO LEGAL BINDING DOCUMENT BECAUSE I HAVE NEVER HAD ANY BUSINESS WITH THESE COMPANIES. ONCE AGAIN I AM A VICTIM OF IDENTITY THEFT AND I REQUEST THAT THESE ACCOUNTS BE DELETED. If for some reason, you choose not to investigate, or send me another letter stating that you have already verified the account, I will do the following : ( 1 ). File a complaint with the XXXX XXXX XXXX. 

( 2 ). Explore all legal options on this matter. 

I dont want it to come to this. Please delete the following accounts. 

XXXX XXXX IN THE AMOUNT OF {$1300.00} XXXX IN THE AMOUNT OF {$1800.00} XXXX IN THE AMOUNT OF {$2800.00} XXXX XXXX IN THE AMOUNT OF {$420.00} XXXX XXXX IN THE AMOUNT OF {$730.00}

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 2019-10-11 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: TX

Complaint narrative:
I have sent XXXX  and Trans-union everything that they ask me to send them to show that I was a victim of identity theft

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 2019-10-11 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: TX

Complaint narrative:
I have sent Experian, XXXX, and XXXX   everything that they ask me to send them to show that I was a victim of identity theft

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 2019-10-11 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: TX

Complaint narrative:
I HAVE CONTACTED YOUR COMPANY AND INFORMED YOU THAT THE FOLLOWING ACCOUNTS DO NOT BELONG TO ME YET YOU STILL CLAIM THAT THEY ARE VERIFIED. MY QUESTION IS HOW CAN A FRAUDULENT ACCOUNT BE VERIFIED. I KNOW FOR SURE THERE IS NO LEGAL BINDING DOCUMENT BECAUSE I HAVE NEVER HAD ANY BUSINESS WITH THESE COMPANIES. ONCE AGAIN I AM A VICTIM OF IDENTITY THEFT AND I REQUEST THAT THESE ACCOUNTS BE DELETED. If for some reason, you choose not to investigate, or send me another letter stating that you have already verified the account, I will do the following : ( 1 ). File a complaint with the Attorney Generals Office. 

( 2 ). Explore all legal options on this matter. 

I dont want it to come to this. Please delete the following accounts. 

XXXX XXXX IN THE AMOUNT OF {$1300.00} XXXX IN THE AMOUNT OF {$1800.00} XXXX IN THE AMOUNT OF {$2800.00} XXXX XXXX  IN THE AMOUNT OF {$420.00} XXXX XXXX IN THE AMOUNT OF {$730.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 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: TX

Complaint narrative:
I HAVE CONTACTED YOUR COMPANY AND INFORMED YOU THAT THE FOLLOWING ACCOUNTS DO NOT BELONG TO ME YET YOU STILL CLAIM THAT THEY ARE VERIFIED. MY QUESTION IS HOW CAN A FRAUDULENT ACCOUNT BE VERIFIED. I KNOW FOR SURE THERE IS NO LEGAL BINDING DOCUMENT BECAUSE I HAVE NEVER HAD ANY BUSINESS WITH THESE COMPANIES. ONCE AGAIN I AM A VICTIM OF IDENTITY THEFT AND I REQUEST THAT THESE ACCOUNTS BE DELETED. If for some reason, you choose not to investigate, or send me another letter stating that you have already verified the account, I will do the following : ( 1 ). File a complaint with the Attorney Generals Office. 

( 2 ). Explore all legal options on this matter. 

I dont want it to come to this. Please delete the following accounts. 

XXXX XXXX IN THE AMOUNT OF {$1300.00} XXXX IN THE AMOUNT OF {$1800.00} XXXX IN THE AMOUNT OF {$2800.00} XXXX XXXX IN THE AMOUNT OF {$420.00} XXXX XXXX IN THE AMOUNT OF {$730.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
XX/XX/2019 Commonwealth Financial was made aware that accounts that their company held under my social security numbers were a result of identity theft and did not belong to me. Commonwealth verified this account as mine and inserted back onto my credit file however they do not belong to me. Commonwealth did not send me a letter notifying me that this account was owed and was being reported to the credit agencies. Commonwealth is continuing to report inaccurate information onto my credit file. Not only that how can Commonwealth verify anything medical with a credit agency being that I have never signed HIPPA form authorizing XXXX XXXX to have access to my patient information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
My loan with Ocwen was transferred to PHH Mortgage. Their loan servicing website is called ( strangely ), " mortgagequestions.com ''. 

I was able to log into this website in the past, although it was very bad and hardly functional ; the registration process was full of errors and took me months of work with PHH just to get my account working. 

Now, for the past several months, the website has been inaccessible due to a bad security certificate. Any web browser will give a message like this one and block access to PHH 's " mortgagequestions '' website : " Attackers might be trying to steal your information from www.mortgagequestions.com ( for example, passwords, messages, or credit cards ). Learn more NET : :ERR_CERT_AUTHORITY_INVALID '' In case you're thinking this is a user error, please note that I have a XXXX. in XXXX XXXX and used to work at XXXX as a XXXX XXXX. The problem is the website, not me. 

Please require PHH to hire an IT team to bring their website online again so I can check on my mortgage balance, make payments, etc etc. I don't think it's acceptable for a servicing company 's website to be inaccessible for many months in a row. 

And of course, I don't have a choice here as to who services my loan, so I have zero leverage with this terrible company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 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: TX

Complaint narrative:
I have sent XXXX, Trans-union, and XXXX everything that they ask me to send them to show that I was a victim of identity theft

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 2019-10-11 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: TX

Complaint narrative:
I have sent XXXX, XXXX, and Equifax everything that they ask me to send them to show that I was a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-11 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: TX

Complaint narrative:
I have sent XXXX, XXXX, and equifax everything that they ask me to send them to show that I was a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Too many phone calls during the day

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have closed accounts on my credit report from more than 7 years that the credit bureaus will not remove. I also have credit accounts on my credit report originating XXXX even though I was born in XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-10-11 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: CA

Complaint narrative:
I have closed accounts on my credit report from more than 7 years that the credit bureaus will not remove. I also have credit accounts on my credit report originating XXXX even though I was born in XXXX. 

XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXXXXXX : 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 2019-10-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: FL

Complaint narrative:
On XX/XX/2019 I applied for a program with SALLIE MAE to lower the payments of my student loans due to changes in life circumstances. They told me I would make three qualifying payments of {$32.00} for three months and then qualify for the program. The next month, I get notice that my loan is delinquent and will be reported to the credit agencies. When speaking to a representative, I was told that they made a mistake and that the qualifying payments should have been {$50.00} for three months to qualify, so I made arrangements to pay the difference on XX/XX/2019. Then I was told that my loan actually didnt qualify for the  program and then I was told that I could do three qualifying payments to tack them on to the end of my loan so I wouldnt be delinquent, even though I wasnt delinquent and had followed all the details of the plan they put in place. 
I was affected by the hurricane that caused us to evacuate, so XX/XX/2019 was granted a hurricane/ disaster forbearance. XX/XX/XXXX the dented {$120.00} from my account from the last plan they had put me on, even though I was on forbearance and told nothing was due. They refunded the money, but when they did it canceled my qualifying payment and put my account as delinquent, even though I was told the forbearance wouldnt affect this plan I was forced into because of their mistake. Sallie Mae has deceptive practices. As a teacher is would be nice if the public service forgiveness was eligible for these loans.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: WA

Complaint narrative:
I got a car threw XXXX XXXX my car payments were XXXX dallors a week the 3 week having a car the motor blew up and I repeatedly tried to get it fixed by them and I got no help with it I lived 45 miles away from the city get to work no buses come were I lived so I lost my job because they said they come fix my car but no results out of them after they came and got the car they are a horribly bad company that takes advantage of people I was a single dad with XXXX kids trying servive as they had me sink they wouldn't return my calls after they got the car so I stopped making payments they took advantage of me and made me feel small I attempted to do everything keep a XXXX smaller car that they were charging me XXXX for but there bad people taking advantage of struggling people I lost my job due to there promises fix the car and never did and never returned my calls

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Service Company, INC
State: CO

Complaint narrative:
In XX/XX/XXXX I reached out to credit service company about 3 debts they said I owed. They later sent over information regarding the debt. Initially they said I owed a certain amount. When I received documents on XXXX XXXX the debts and letters that they previously sent me Didnt match the debts that they say I owed and is reporting on my credit file. Also they sent me a letter that is supposedly from XXXX with my Current address and dates that do not match. In XXXX which the bulls are dated for I did not live at my current address. Please see attached documents for contradicting and fraudulent info. I ask that credit Service inc please provide me with XXXX info so that I can request the documents myself. I was not able to attach all the files.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
ARS ACCOUNT RESOLUTION HAS multiple repeated reports on my credit report. It's for XXXX $ multiple times

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 2019-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Flagstar Bank, N.A.
State: IN

Complaint narrative:
Basically, my social security number was ripped globally ... probably. 
The mafia stole my identity because I know a criminal that recently passed away that had my social security number and XXXX password for quite some time. 

That is just for starters you might want to check student loans and car loans and bank accounts etc XXXX XXXX issued a card to XXXX ( revolving charge account ) in XXXX wisconsin a few years back and random stuff popped up on my credit reports from each credit agency. 

Loans ... addresses.. random stuff that I need " nipped in the bud. '' please help .... i ghostwrote for the music industry as well. ( made 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 2019-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I opened with Santander consumer USA on XX/XX/2013 it was 60-month loan at a very high rate and as time went along I was making monthly payments of XXXX and at times I may have fallen behind and the late fees were insane avg XXXX a month and having to pay the charges I was never able to get caught up I don't know how to get a record of how much I paid but just in the 60 months besides the monthly payments of XXXX x 60 equals XXXX and I would say another XXXX in overcharges now at the end they said I had a balance of XXXX approx and made me finance again for a 24 months because all the late charges and penalties I never got credit to the principal I just feel have been taken advantage of so for a XXXX approx loan I which I already paid XXXX now they want XXXX more with interest that XXXX dollars and I know im getting ripped off I wish I knew how to get a records of exactly how much I paid every time I called to complain I would get some slick willy giving me some crazy equation to justify why I hadto pay some crazy late charge I need your help hopefully erase what they say i owe bec ause I way over paid and show on my credit as paid off and not late only reason showed late because I was just paying late fees now its harming my credit and its not fair to always say they are gon na repo

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
This is documents for bankruptcy for the car loan, That Credit Acceptance day I owe .The car loan its in XXXX.Calvin XXXX got approved for car loan not me he has it in bankruptcy as we seek. 
It need to be remove off my XXXX  credit not my debt. 
Remove it now.

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 2019-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have 0 % interest balance transfers and I made a purchase so I was being charged interest on that purchase. I paid my minimum payment plus more than the purchase but Wells Fargo applied the entire payment to my 0 % balances. The manager read me the formula that Wells Fargo uses. The manager said the reason the purchase balance wasn't paid off was because it was in the same billing cycle. My understanding of the Card Act is that there isn't an exception for that. Is there?

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