vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
This has been going on for months and years ... I have given you all info re : this complaint ... I have advised Equifax ( many times ) and still they have all the duplicate info on my credit report.. XXXX XXXX XXXX XXXX ... it is quite obvious that these are duplicates and they will not remove. Also I am trying to get a home loan to purchase a home and Equifax is a mess and stays a mess no matter what I say. 

XXXX : I have not had a XXXX account in over 10 years and have requested this removal many times. I have never used a XXXX. I have asked this be removed as well. These credit reporting agencies are not investigating properly ... THIS INFO I AM REQUESTING TO BE REMOVED MUST B E REMOVED IMMEDIATELY ... THIS MESS IS CREATING ME FROM GETTING A HOME LOAN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I checked my credit report on XX/XX/2016 the account status was closed bal. 
was {$0.00} XXXX dollars. payment status was collection/ charge off. remarks was charged off account fixed rate. now on XX/XX/2016 I notice that they changed the balance from {$0.00} XXXX dollars to {$130.00}. I 've sent letters to both company and credit reporting agency first letter regarding this issue XX/XX/XXXX and they have failed to explain to me how I owe this debt. when they from start of XX/XX/2016 never been able to show proof by verification of my signature to this account. it has caused my scores to drop a lot. if you can check my credit report from XX/XX/2016 and then check it on XX/XX/2016 that 's when things changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I signed up with XXXX for my cable service and authorized them to do XXXX hard inquiry. Equifax is showing XXXX hard inquiries from XXXX on my report all XX/XX/2015. I have contacted both companies to have them removed to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: PA

Complaint narrative:
I paid off my mortgage in full on XXXX and Seterus has not yet issued a discharge letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This item is for XXXX XXXX Hospital. I received services at this facility in XXXX. The services were billed to both of my health insurance companies, XXXX XXXX XXXX for payment. After payment from both insurance companies, the remaining balance was supposed to be adjusted off due to contractual obligations between the hospital & my insurance company. The balance was not adjusted but instead turned over to XXXX. I contacted the hospital again & the balance was adjusted off. The hospital in turn contacted XXXX XXXX to inform of the billing error & also advise that the account was incorrectly submitted for collections. XXXX then contacted Equifax on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, & XXXX/XXXX/XXXX electronically to request for the item to be deleted. I was informed on XXXX/XXXX/XXXX to allow 60 more days for the item to be deleted. I contacted Equifax last week & was informed that the medical bills is still reporting & to contact XXXX XXXX. I reached out to XXXX & they indicated that show the account as reported to Equifax to delete. I called Equifax today & was informed that they do n't know when it will be removed from my report. I keep getting the run around from Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CT

Complaint narrative:
This Company is reporting TO XXXX as Derogatory and is actually paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc.
State: NM

Complaint narrative:
Turned in XXXX XXXX XXXX that was on lease in exchange for a new XXXX XXXX XXXX lease. XXXX XXXX XXXX Agreement with dealer included pay-off of XXXX XXXX XXXX Unpaid Lease Balance. For over 30 days GM Financial Lease has refused to remove the XXXX Lease from my account, pending settlement with the dealer. I am now past due, being assessed late fees and threatened with negative reporting to credit bureaus. My credit history will be damaged by XXXX XXXX if GM Financial does not settle and close my lease account on the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Equifax Refuses to except Valid ID information to correct my report. Wrong Personal ID information has led to Accounts Effecting my Report that are not Mine, Example : XXXX ( Plaintiff Denies any judgement against me or authorizing Equifax to put this on my Report ) Escalating this due to multiple attempts to resolve this issue. They may not be updating person info to directly keep accounts onto my report. They Have stated Vague research responses in the past to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
On XX/XX/2016 I went into the XXXX XXXX store and asked about options for my prepaid cell phone data packages. 
I was not notified that the attendant did a hard inquiry on my credit report, this hard inquiry reflects negatively upon my credit score, and I want it to be erased. 
I filed a complaint with Equifax on XX/XX/2016 and am awaiting correspondence. 
I have the name of the attendant who I spoke with and the address of the XXXX XXXX store I went to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a dispute to correct errors on my credit file on XXXX XXXX and they ignored my request even though I sent it through fax and was given a confirmation that the fax was successful I sent XXXX pages and upon checking dispute through their website and none of the personal information or accounts that I disputed are under investigation and it will 30 days tomorrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
For the past 2 years I have tried contacting both XXXX XXXX XXXX and XXXX notifying them that they are both reporting the same mortgage delinquent. I am currently in litigation with the parties and feel this is their attempt to be spiteful. I have submitted disputes through Equifax and the continue to report that my information is correct and that I have XXXX delinquent accounts. I can no longer dispute the item any more and is destroying my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I paid off a vehicle loan via ACH on XXXX XXXX, 2016. Funds were debited from my bank account on XXXX XXXX, 2016, Therefore, the lender had no right, title or interest in the vehicle from that date forward. It is now XXXX XXXX, 2016, and I still do n't have the title. There is no excuse for GM Financial to hold a title for so long after a payment is made, in today 's world, when payments are routinely processed overnight, especially in light of Check XXXX. A couple days, maybe, to be sure payment cleared, but three-four weeks is excessive.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Have been trying to work with my lending company for several months to try resolve my outstanding 2nd mortgage loan. After several calls to the manager in the point of contact office for an accurate payoff amount and not getting any response back for several weeks, I then received a notice of a foreclosure for XXXX XXXX, 2016. I have since called the lending to ask for a postponement where I have a signed purchase and sales agreement in hand with a closing date of XXXX XXXX, 2016. My 2nd mortgage lender is telling me that it is too late and that the foreclosure can not be stopped at this time. All I 'm looking for is a XXXX60 day postponement and the XXXX and 2nd mortgage company will be paid out in full. I feel it is unfair and unreasonable for the 2nd mortgage company not to allow me this time.

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 2017-01-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CT

Complaint narrative:
We bought a pathfinder ( used ) from XXXX Dealer. After fixing the price, they told us to wait due to system glitch with XXXX. At the finance table, they increased the price of the vehicle and forced us to take fiance from Nissan Motor Acceptance Corporation. They charged us unreasonable percentage of interest without based on any credit rating. Every XXXX Dealer is using the same tactics to grab the customer and charge the rate of interest of their own wish and Naming Nissan Motor Acceptance Corporation. Looks like Nissan Motor Acceptance Corporation is also including in this scam. Dealers does not provide us available options and if someone find out they increase the price of vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My friend in class XXXX reffered me to this website called XXXX, a babysitting website, and so I was told this is a legit website. I got a reply to a job posting from a women name XXXX XXXX, stating that I would help take care of her sick sister. The women promised {$500.00} in advance and {$500.00} each week for the responsiblilities. She told me she would erase the posting so no one else would get it and that she would email me. She 's been texting me of this number ( XXXX ) and told me she sent me a check and then asked if I received it and asked me to deposit it into my bank account and so I thought the check was real and deposited the check at my bank ( Santander ). I deposited the check on Friday the XXXX of XXXX 2015 and it cleared Tuesday the XXXX of XXXX 2015. She then asked me to deposit XXXX that same day for the apartment for her sister into an account by the name of XXXX XXXX XXXX ; Account type ; checkings ; Account number XXXX ; Routing number ; XXXX I deposited the money in cash and then the next day I got a call from the bank telling me the check was no good. I went straight to the bank and they told me there 's nothing they can do that I am held responsible for the funds. I am a XXXX year old college student just trying to get extra work on top of my other XXXX jobs. I just got my first car and have to pay for my XXXX college classes on my own, I pay for all of my own expenses with no help from my parents. when I went into the bank the same day they called me to tell me, a bank teller then looked at a second fake check that was delivered to me the next day I brought in for proof and she looked at it and saw right away that it was a fake check. My confusion and frustration is why did n't the bank teller that I gave the fake check to deposit not notice the same thing the bank teller noticed about the XXXX one, mind you both tellers worked in the same exact bank that this occurred. I 've been scammed and I feel as though I deserve a dispute. I have been with Santander a long time now and they wont even help me from recoving from being a victim of fraud. They are not helping whats so ever and they wont allow to even make claim.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-09-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL

Complaint narrative:
I financed a new car with Nissan Motor Acceptance Corporation. The 2nd payment is noted as late on my credit bureau. Nissan admitted they made a mistake and removed the late payment from my XXXX report but left the late payments on XXXX and XXXX. Multiple disputes have been submitted with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
We repeatedly requested a loan modification from Rushmore Loan Management Services and even though my husband on XXXX and that was why we were looking for reduction from our 6.5 % interest they kept turning us down saying our income to debt ratio did n't fit their criteria for in home modification. We missed 3 payments, XXXX and XXXX XXXX and XXXX XXXX. Began sending payments again every month but starting XXXX XXXX Rushmore started denying acceptance of payments because we were n't paying off missing payments balance. Finally this month they denied our modification for the last time and demanded almost {$40000.00} in reinstatement quote including almost {$1000.00} in late fees and almost {$7000.00} in " Corporate Advances '' which were n't listed individually. Managed to get loan to pay this amount, then the Point of Contact called me after we XXXX cashiers check saying she had forgotten to include XXXX amount in quote and we owed another month. Agreed to reduce by the late fee. Also the value of house they also based part of denial on was taken from the web site XXXX. They never sent an appraiser to house. XXXX has our house incorrectly listed with more bedrooms than we have. We feel unfairly treated for consideration of a modification based on our loss of income from my husband working full time to being on XXXX. When they did deny us, they sent a letter stating what any of the numerous reasons might be without checking any specific denial reasons also.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
We recently requested that Santander Bank ( our mortgage holder ) would suspend the escrow account requirement for property taxes on our mortgage loan. At the time of our signing, we were told we could apply for such a waiver in 2 years after good standing on our loan. When we applied for the waiver in due time, we were informed of a fee of XXXX of our mortgage balance equaling {$460.00}. This fee is unexplained, inappropriate and unfair. At no time at our signing or in our phone conversations with the bank was such a fee described or explained.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-11-04 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Brock & Scott, PLLC
State: TN

Complaint narrative:
this debt collector was transferred the alleged debt the previous debt collector never verified or validated regarding the old account the CFPB is investigating the Case Number isXXXXXXXX and Case Number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Palm Beach Credit Adjustors, Inc
State: NY

Complaint narrative:
My son went to the XXXX in Florida bc i could n't take him to a walk in clinic. I verified with my insurance company which i still have. I gave the hospital all documents to support this issue. XXXX has already removed this from my credit report..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Dyck-O'Neal, Inc.
State: NC

Complaint narrative:
Debt collection agency 'Dyke O Neal ' has pulled my credit file without my permission. The debt was supposed to be paid by XXXX XXXX XXXX when home was foreclosed/short sale in XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: First National Collection Bureau, Inc.
State: FL

Complaint narrative:
Responded to initial contact letter with a timely debt verification request. Collection agency continued collection activity ( calls and letters ) before responding to the debt verification request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: RFNA, LP
State: GA

Complaint narrative:
Constant harassment & threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I was contacted by a person claiming to be an official with my local XXXX. The phone number he called from was a local number, so I believed he was who he said he was. He asked if I had been served a summons to appear in court. I told him I had n't. He stated that there was a case against me for defaulting on a loan from ace XXXX express. He stated that he was going to put a hold on my case for 30 minutes in order to give me time to contact the party that had filed the case. He stated that if I did not comply within 30 minutes my drivers license would be suspended. I called the number he gave me and they stated that they were with the XXXX and XXXX law firm and that I had defaulted onot a loan with ace cash express. They stated that they needed to collect a sum of {$760.00} today. I informed them that I could not pay that amount. They agreed to spread the amount over XXXX payments with the first payment to be collected on XXXX XXXX 2016. I was hesitant to give my bank information until they stated that if I did not set up this arrangement then and there, I would be sued for the attempt to commit fraud and my license would be suspended. After they collected XXXX on the XXXX, I called a day before the next scheduled payment asking for an extension. I was denied and told that if I did not pay, my case would be forwarded to the legal department to start the litigation process against me for attempting to commit fraud. I agreed to pay {$95.00} on XXXX XXXX. I then began researching their process and came to the understanding that they did not have the right to threaten me or misrepresent themselves. I dug further and found out that the person that originally called me claiming to be an official for my local XXXX did not exist. I attempted to contact XXXX and XXXX to ask questions and was told that they were not going to deal with me anymore and my case would in fact be forwarded to their legal department. They 've refused to speak with me on the matter since. They never provided me with any documentation of this debt to ace cash express and I feel they have violated my personal rights and the rights under the law that governs their practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CIG FINANCIAL LLC
State: CA

Complaint narrative:
CIG financial is reporting inaccurate information to the XXXX credit bureaus. I have contacted XXXX multiple times and provided banking information showing how I was never 30 days late. The documentation that they showed me even shows that I was not late. They refuse to respond. I have disputed that information with all XXXX bureaus. XXXX is just taking their word and can not show evidence of me being late.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Dyck-O'Neal, Inc.
State: MO

Complaint narrative:
In XX/XX/XXXX, my XXXX was discharged during a foreclosure. There is a XXXX balance. Two years later, I noticed a claim was made by Dyck O'Neal stating I owed {$7100.00} in reference to a mortgage. They put this amount in collections and reported to all XXXX credit bureaus. 

I have never done business with this company nor have I ever signed any agreement for any balance that they claim I owe. 

I tried mitigating this issue by disputing their claim through the credit bureaus but was unsuccessful. Their willful act has not only violated its obligations under the FCRA, but it has also prevented me from obtaining a mortgage in the amount of {$140000.00} in XX/XX/XXXX and, more recently, {$200000.00} in XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation