vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that an auto lease account that was opened by my spouse, under her name only, on XX/XX/XXXX is being reported on my credit report. The account that is fraudulently being reported under my name is the auto loan/lease from XXXX XXXX XXXX. This account belongs to my spouse, XXXX XXXX. I did not co-sign this auto lease. I was simply used as a reference by my spouse. It is NOT a joint account. XXXX XXXX XXXX is fraudulently reporting this account under my name. According to my spouse, XXXX XXXX ( XXXX ), the auto lease is incorrectly being reported as a joint account and should be reported as my spouse being the only individual responsible for this account. Please immediately remove it from my credit report/file. Thank you. 

Very Respectfully, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 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: AUTOMOTIVE CREDIT CORPORATION
State: MI

Complaint narrative:
There was fraudulent auto loan taken out in my name. It was taken out with Automotive Credit Corp on  XX/XX/2013, in the amount of {$11000.00}, and is reflecting a balance of {$7500.00}. It has been reporting on my credit report and I have no knowledge of this account. I would like this to please be taken off my credit report. I have contacted the company with dispute letters 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 2018-05-02 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:
Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that an auto lease account that was opened by my brother/sibling, under his name, on XX/XX/XXXX is still being reported on my credit report. The account that is fraudulently being reported under my name is the auto loan/lease from XXXX XXXX XXXX. This account belongs to my brother/sibling, XXXX XXXX. I did not cosign this auto lease. I was simply used as a reference by my brother/sibling. It is NOT a joint account. XXXX XXXX XXXX fraudulently opened the account under my name. According to my brother/sibling, XXXX XXXX, the auto lease is incorrectly being reported as a joint account and should be reported as my brother/sibling ( XXXX XXXX ) being the only individual responsible for this account. 
I contacted XXXX XXXX XXXX and asked them to remove the account from my credit profile. According to XXXX XXXX XXXX, they can not see the account being reported under my name and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into the fraudulent XXXX XXXX XXXX account. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the account. ( Do not send me anything via US mail. ) If you find the account referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this account was not FRAUDULENT being reported and that it belongs to me, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT account reporting. 
Thank you for your assistance in this matter. 

Very Respectfully, 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 2018-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
I have been attempting since XX/XX/XXXX to work with US Bank on getting the PMI removed from my mortgage. I have met the requirements of on-time payment for the last 2 years and I believe my property will appraise high enough to put my LTV at 75 %. US Bank has been uncooperative in setting up an appraisal and there has been no follow-up after numerous contacts with their home mortgage dept. I believe they are delaying this process in order to continue collecting PMI or are simply inept at getting an appraisal set up. Either way it comes out of my pocket!

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 2018-05-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Hi. I have disputed an authorized user account with Equifax credit reporting agency asking them to remove that account from my credit. And Equifax says that they can not remove an authorized user account from my credit file. The authorized account that shows in my credit report does not belong to me. Besides that there is a law in FCRA that says the authorized user accounts do not have to be reported in to consumers credit files. And Equifax do not cares about any federal laws. They just say " we have our own policy about our own company and we will do everything the way we think is good to do ''. 
They just refuse to remove an authorized user account from my credit report. It has been months I am asking Equifax to remove the account from my credit file. I have disputed that account for 3 times. I am sick and tired of disputing it. No changes so far. The authorized user account still reports in my credit file and it DOES NOT BELONG TO ME. 
Equifax is violating the FCRA law. 
XXXX  and XXXX XXXX have verified and removed that account from my credit file. 
But Equifax ... 
Please HELP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BB&T CORPORATION
State: NC

Complaint narrative:
When my ex-husband left me ; he left the BB & T account in a negative balance. At the time I had no access to the account. I was only a signer. I had my own personal account at the time. I received notification that my personal account would be drafted unless the account that my husband used was paid off. I immediately took head and begin to pay this account off. I paid {$20.00} a week for almost a year to get it cleared up. I took care of the account ; paid it off in hopes that everything that needed to be done with this account was clear. I managed to keep my personal account in tact. 
Early XX/XX/2018, I tried to open up a new account ; I couldn't open it because of this old account. The reason was that this account was closed and charged off by the contributor, in whole or part and or account abuse. 

This is the primary reason why I can not open a new account. I filed a dispute in XX/XX/XXXX, it was updated as paid BUT the reason did not change. After explaining this to BB & T and potential banks ; THEY STILL have not updated it correctly. I feel at this time ; this negative should be removed my consumer report ( XXXX   XXXX XXXX and 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 2018-05-02 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:
Experian credit bureau has a XXXX XXXX XXXX inquiry dated XX/XX/2018. This does not belong to me and I would like to have this inquiry removed immediately. Thank you.

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 2018-05-02 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: MA

Complaint narrative:
Midland Funding, LLC amount of {$7700.00}. I have disputed and sent XXXX, Equifax and XXXX   copy of court document showing that case under Midland Funding, LLC was dismissed and I am to pay nothing. I also sent a police report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-02 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: MA

Complaint narrative:
XXXX XXXX XXXX amount of {$7700.00}. I have disputed and sent Experian, XXXX  and XXXX   copy of court document showing that case under XXXX XXXX XXXX was dismissed and I am to pay nothing. I also sent a police report

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 2018-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: NM

Complaint narrative:
An internet company, XXXX and credit collection company, Southwest Credit are trying to scam me for {$140.00} I do not owe. I have never had an account with XXXX. Those companies, with no notification to me, filed this debt on my credit record on XX/XX/XXXX. I learned about it on XX/XX/XXXX. I called SW Credit, they said it was a bill that I owed XXXX XXXX from XX/XX/XXXXand XXXX had purchased XXXX XXXX. I did have an internet account with XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX I had a XXXX XXXX, my wife was a XXXX victim. After my XXXX we had to close our home and move into a XXXX home. 
XXXX XXXX was notified, the antenna and all internet equipment was shipped to them. The contract was cancelled, they sent a final bill. It was paid and we never received further correspondence from them. Then three years later, this appears on my credit report. My wife has XXXX XXXX. I am an XXXX year old XXXX XXXX XXXX XXXX XXXX  veteran, live alone on a fixed budget with little but my past memories. As a matter of decency, I would like this removed from my credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In XX/XX/2009 i opened Bank of america secured credit card after using few years they converted my secured credit card in to non secured ones. The problem is when the card was secured there was an annual fee of {$29.00} but the card which they converted me into doesn't have any annual fee. But they are still keep charging me {$29.00} fee and that card comes with no benefits like any rewards or point. I feel like i am being charged unnecessarily. 
My request to Bank of America is either to remove that annual fee or convert my card to different ones where i can at least get some rewards. 
thank you

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 2018-05-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
XX/XX/XXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, New York XXXX Loan # XXXX I would like to file a complaint against Select Portfolio Servicing , Inc . I have been requesting assistance for my property. I have submitted numerous applications, and I have been denied. 
There are several programs that Select Portfolio Servicing , Inc. should have made available for my property as the HAM Program, The DOJ Settlement, The reduction of principal and late payments, however none was provided to me. 
My last submission was on XX/XX/XXXX. Select Portfolio Servicing, Inc. sent a letter dated XX/XX/XXXX with a repayment plan of {$6500.00}. 
The {$6500.00} monthly payment is excessively high, and is not feasible. It will only make me go back into default with this excessive monthly payment. 
Please help me keep my home. 
I would like to keep my home. 
I would like to be considered for a reduction of principal and interest, as it would make my monthly payments more affordable. 

Thanking you in advance, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
For at least the FIFTH YEAR IN A ROW, Equifax has refused me access to my annual free disclosure online. I answered their authentication questions correctly but they still insist on sending sensitive information through the mail as an alternative. The questions are attached. The answers to all are " None of the above. '' Playing Equifax 's game along with them I tried placing a fraud alert on my account ( after all if they believe I have one of these nonexistent accounts, that COULD be an indication of identity theft, couldn't it? ) but I wasn't even able to do that this year. I request one of my disclosures every four months ( XXXX  on XX/XX/XXXX, Equifax on XX/XX/XXXX and XXXX on XX/XX/XXXX ) and Equifax is always the ONLY one I  have this problem with. Repeated attempts to inquire as to whether there really is an issue with my answers have been fruitless. When they eventually DO provide the disclosure none of the purported accounts are there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-02 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: TX

Complaint narrative:
I sent an email to Navient regarding their consistent misapplication of funds in my account. They are lowering amounts showing due and pushing due dates back without my consent. I have instructed them not to alter due dates or amounts due when I add extra to my payments each month. 

When I emailed Navient, I got an auto-reply thinking me for my request to alter my due date. I am just dumbfounded how this company can be trusted with management of so many student loan accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
When the company calls, there is a recording trying to sell me something ( I think it's an extended warranty on a car that I haven't had in 4 years ). 

Company Name is Portfolio Recovery : XXXX Most of the time they hang up without the recording. Call using various other numbers as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To who it may concern : XX/XX/XXXX My name is XXXX XXXX. I had an account with Wells Fargo Dealer Services for a couple of years and I paid it off on XX/XX/XXXX, in full. 
This account continues to damage my credit however. It is reporting as negative and that it was opened or closed on XX/XX/XXXXof XX/XX/XXXX which is incorrect. 
I lost my job during which time I was late on a couple of payments. I always called and stayed in communication with the company and eventually paid it off. I was told at the time that it would not affect my credit and I believed them. 
I initially purchased my car in XX/XX/XXXX, yet this is reporting negatively to this day. It has been 9 years! 
Please help me. I need the account to show in good standing. There is an error in the reporting. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Ca 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 2018-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Shows up as " Medical Data Systems ''. I do not recognize this phone number or this company. I do not answer numbers or callers that I do not recognize. If a call from an unrecognized number leaves a voicemail, I delete that voicemail before the message even beguns to play. Too many scam robo-calls out there. 
Thank you for your help.

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 2018-05-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Santander Consumer USA Holdings Inc.
State: DC

Complaint narrative:
On XX/XX/XXXX I contacted Santander Consumer USA to discuss errors on my credit report. In XX/XX/XXXX I was injured in a life threatening accident that has left me XXXX XXXXXXXX. When able I contacted Santander ( as well as my other creditors ) to inform them of severity of my injuries. I spent the first 2 years of recovery hospitalized and then moved into XXXX XXXX. Santander was very responsive at the time. At the time they agreed to close and settle my account with the proceeds from the sale of my automobile. Santander was to send me an account history and a debt settlement letter for my records. The car remained parked at my house whilst I was hospitalized. They would retrieve it later.

Recently, I when looking at a credit app I noticed that the account was not closed and it was actually being re-aged with a new closure date of XX/XX/XXXX. I contacted Santander right away. Unfortunately their customer service agents have been difficult to deal with. The notes in their system are only half complete. Their phone records log my call and that I requested payment of account information in writing be sent to me. However, the information recorded as to the exact documents sent is sparse according to Santander. I have asked that they pull phone recordings from my call but they seem not to have retained it.

Upon suggestion, I escalated my calls to the Office of the President/Consumer Affairs. I have spoken directly with Dept Supervisor XXXX XXXX who was unable to help but also made it very difficult by attempting to close out my complaint several times. Then I spoke directly with VP XXXX XXXX. Its been a month since I spoke with him. I have left messages with XXXX XXXX or a secretary 2/3x per week since. XXXX said that he would return my call after investigating. He has never called. On Monday XX/XX/XXXX, after a full month of waiting I was passed to XXXX in Legal Affairs. XXXX assured me he would speak to XXXX and call me today on Wednesday. The day has come and gone and I have heard nothing. I have made over 50 calls in the last month trying to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-02 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I have this loan and the payment are to high ... being a senior citizen the payment are to high I am Paying {$420.00} each month have not paid for this month and they can take my car at anytime I am trying to work with them my health is now becoming poor as I can not sleep and I go to a doctor for my XXXX XXXX  I am frighten about everything, I want to pay them and I will but I need the payment to be between $ XXXX {$320.00} per month which would be a hardship but I could do that the interest on the loan is 160 % computed daily ... .I borrowed {$2500.00} and I am {$20000.00} for this loan over 4 years ... I was under such pressure when I took out this loan and did not know what I was doing I need help badly. had I known I would not have take this loan out and would have just gone homeless..at least I would have had a car to sleep in and live not I will be on the street with no car or a place to live

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Wharthog Ventures LLC dba Loans Not Sharks
State: MO

Complaint narrative:
I did a payday loan, online, XXXX mistake, unforeseen circumstances happened at home and I was unable to pay. I do owe this debt, I'm responsible for this debt. I'm in the process of doing a debt consolidation that I can afford. In the meantime they have contacted my employer. I can not have calls at my work. I told them that about a month ago ( Early XXXX ). I received another call yesterday, XX/XX/2018. I asked politely, please do not call my work. I received a rather not nice text back, stating they can and will do that and in the future they will not ask for me, they will go directly to my boss. They were extremely rude. I just don't want contacted at work, I work long hours and can't always get calls made after work.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
This mortgage servicer will just quickly respond by letter to appease CFPB, add their number and never actually follow up. I have contacted XXXX XXXX, left a message via email as well as phone to no avail. I am responding to a request for XXXX and XXXX payments totalling {$2500.00}. Please note ; XXXX tracking # XXXX for {$1200.00} XXXX tracking # XXXX for {$1200.00}.

Company response to consumer: Closed with explanation