vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
I was looking for car to purchase in XXXX at XXXX NISSAN I was put under a lot of pressure by XXXX XXXX and his used car manager. I suffered a XXXX, they took advantage of me by selling me XXXX different cars, checking my credit three times and lowed my credit rating. Also gave me a 10 % interest rate. XXXX XXXX XXXX XXXX wanted to pay my loan off and give me a lower rate but they said that the dealership committed fraud on my loan and the XXXX MAXIMA was over priced, XXXX times its value. The car is worth {$20000.00} and I paid {$60000.00}. I have told NISSAN CONSUMER AFFAIRS about this for XXXX years nothing has been done. I continue to make double payments on a fixed income. I am a XXXX Veteran with various health problems. Your cooperation in this matter will be gladly appreciated. This is disgrace to be treated this way. THANKS

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Asset Acquisition Group, LLC
State: AL

Complaint narrative:
I was sued for an old debt that was acquired by Asset Acquisitions Group out of XXXX Colorado. The debt collector did n't properly notify me of the debt. According to the court records, this company was already planning a lawsuit for this debt. This collector acquired this debt in XXXX of 2012 and by XXXX of that same year had already filed papers to sue me. According to the court records, I was served with papers on this debt and in XXXX, a judgement was filed against me. To my surprise this judgement was entered on a debt that was for {$9000.00} that has now swelled to about {$23000.00}. If the company had reached out prior to all of these actions validating this debt we could have reached an agreement and I would n't have a {$23000.00} judgement on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: KS

Complaint narrative:
My lease with Nissan ended XX/XX/2015. We turned in the vehicle as we were supposed to do. We were told that we would receive a statement within 6 weeks. We did not. My wife went online and paid the amount showing as owed for the disposition fee using their online payment system. A couple of weeks later, my wife noticed that the payment never went through. She tried to log back in but it said the account was closed. She then mailed the payment in to the address listed on their website. That was returned as undeliverable. At about the same time as the payment was returned, we received a letter from XXXX XXXX XXXX XXXX saying the account was placed with them for collection. I called Vital and was explained our attempts to pay, and was told to contact Nissan. I contacted Nissan ( NMAC ) and was told I had to have the payment in the next day or would appear on my credit. He said that he could not take a payment over the phone. I was told to log into my account and make the payment, which I did. The payment still shows as pending. The manager, XXXX, told me that it was due the day before, and that it may have been reported on my credit report. I explained everything that happened and that we had repeatedly tried to pay this off but due to NMAC 's problems the payment keeps being rejected. He said the payment should go through today or next Tuesday. I asked if it will appear on my credit report and he said it may, since it was due yesterday. I told him that if it does appear on my credit report, I will sue NMAC. He said that he would make a note of it in my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I HOLD AN ACCOUNT AND DEBIT CARD WITH SANTANDER. ON XX/XX/XXXX2016 THEY BLOCKED MY CARD WITHOUT NOTIFYING ME AND WITHOUT SPEAKING TO ME. 2 DAYS BEFORE XXXX I GO TO THE STORE AND MY CARD IS DECLINED. I AM EMBARRASED. I CALLED THE BANK AND I WAS TOLD THAT MY CARD WAS CLOSED AND THEY ALREADY SENT ME A NEW XXXX. HOW CAN SOMEBODY TAKE MY MONEY AND MY CARD WITHOUT MY KNOWLEDGE. AM I LIVING IN COMUNIST COUNTRY? OR COUNTRY OF FREEDOM. I CAME HERE FROM XXXX AND GREW UP IN XXXX AND WE DIDNT HAVE TOO MANY RIGHTS. NOW SANTANDER CAN DECIDE WHAT IS GOOD FOR ME WITHOUT ME AGREEING. THEY VIOLATED MY RIGHT. WHAT IF I WAS OUT OF THE COUNTRY AND I HAD NO OTHER CARD???? I WANT TO USE MY MONEY WHENEVER I WANT AND I DO N'T WANT SANTANDER TO DECIDED FOR ME. I AM STUCK 2 DAYS BEFORE XXXX WITHOUT MONEY. I DO N'T HAVE TIME TO GO TO THE BANK. I WORK AND IT 'S BUSY AT THIS TIME OF THE YEAR. I HAVE BEEN TAKEN MY RIGHT TO CHOOSE AWAY FROM ME I CA N'T DO WHAT I WANT TO DO WITH MY CARD AND MY MONEY. THEY BLOCKED AN ACCESS TO MY MONEY. I FEEL VIOLATED AND I FEEL LIKE I HAVE NO RIGHTS WHATSOEVER IN THE EYES OF SANTANDER BANK. THIS IS ALSO UNAUTHORIZED CARD USE!!!!! I DID N'T AUTHORIZE THEM TO TOUCH MY CARD

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
Consumer complaint received 2016-05-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XXXX XXXX I opened a simply right checking account online with Santander Bank because of a promotion being run for a {$150.00} bonus. As per the terms, my account has been open and in good standing for more than XXXX days and I have funded said account in excess of {$500.00} through direct deposit. As per their terms, the bonus would be credited within 30 days if all terms were met. I have met said terms and contacted their customer service by phone 7 times and email once. I have been told multiple times that it would be credited on a certain date, and it still has not.

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 2016-11-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc.
State: ID

Complaint narrative:
My husband and I bought a XXXX through gm financial ( Americredit financial services ) in XXXX XXXX. We had been able to make the payments on time up until I was forced into early XXXX in XXXX. We missed XXXX and XXXX payment. We had looked into deferment and we were shocked to find that they were going to charge up almost XXXX dollars to catch our loan up. They have not been willing to help any other way. Rather than trying to help us get our loan current, they are calling us a total of up to 10 times a day between the two of us. They are making it almost impossible to catch up our payments and I am almost afraid to carry my phone on me because they are always calling me. I would strongly advise that their collection policies and deferment policies be investigated. This is not legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: General Motors Financial Company, Inc.
State: TN

Complaint narrative:
This company gave me an extremely high interest rate. Then after a two years of never missing a payment I received an email from the dealership stating since I made all my payments on time they would try to get my payments lowered. When I contacted the finance company to discuss this matter they stated they were unwilling to get the payments lowered for me and to contact someone else to get it refinanced. Now the payoff is so high based on the interest rate that I ca n't afford to trade it or sell it without taking a major loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: High Point Asset Inc
State: MN

Complaint narrative:
This debt collections company contacted me today stating I owed XXXX different payday loan companies I have never heard of. They were able to verify my old email address at the time as well as my bank. I know I do n't owe because I just recently checked my credit report and none of these companies have ever been listed at any point in time, nor are there any matching amounts. This company can seriously SCAM innocent people out of their money. I know my consumer rights and this is out right wrong of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.

Complaint narrative:
I am from XXXX XXXX, someone in XXXX was using my identity, he used my social security to acquire a cable service with XXXX under my name. I reported this to Equifax several times, recently this person was arrested, I submitted again a dispute and supporting documentation like police report and FTC documents, also the information of the officer who arrested the person who stole my identity, but Equifax refuse to delete that inquire. XXXX was aware of this since XX/XX/2015 but I recently reach them again to help me resolve the issue with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I requested a credit investigation on XXXX XXXX. Despite multiple follow-up attempts, Equifax has not sent me my investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I disputed with XXXX and Equifaxthat i have old accounts from that should have been dropped off and hasnt been dropped off Also i disputed an account from XXXX XXXX XXXX and XXXX that are not mine a mortgage/ car loan that are not old accounts past 7yrsThey deleted some of them and then reposted them. 

XXXX have been disputed also

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: CORELOGIC INC
State: FL

Complaint narrative:
I was advised to get a " CORELOGIC TELETRACK ''. tHEY SENT ME THE REPORT THAT HAD A COVER LETTER WITH MY CORRECT NAME AND ADDREES XXXX DOB XX/XX/XXXX LIVING THE LAST 34 YEARS AT XXXX, FLORIDA XXXX but the documents inside where for XXXX at XXXX, FLORIA XXXX WITH A BIRTHDAY XX/XX/XXXX.in XX/XX/XXXX i had problems with identity theift with the IRS. IT Took me almost 3 years to sort out this theift. Now it appears someone is stealing my ID again. 

I don '' t what to do. Can you make this complaint? 
THANK YOU XXXX XXXX, Florida XXXX Email : XXXX Phone : 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 2016-01-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
This dispute has been faxed twice already and I have had no response from the CFPB or Equifax. The information required has not been supplied as asked for. Until I get a satisfactory and accurate answer, this question/dispute will be repeated until it is answered. 
The CFPB has ignored my dispute in this matter.This account is being reported by Equifax as " OPEN '' while all other Credit Reporting Bureaus it is reported as " CLOSED '' Equifax is to explain why?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
On XX/XX/XXXX our daughter turned in her leased XXXX to XXXX XXXX & leased another XXXX. She was over her mile yet the dealer never mentioned it to her. the next thing we know, we get a notice from XXXX that both my daughter & my wife ( who co-signed ) were put in for a charge off. We did n't even know we owed them money they never made any attempt prior to this to collect that debt. My wife took out a loan & paid the {$4500.00} to XXXX. We just found out thatthat charge off is still showing up on my wife 's credit report stating the {$4500.00} has not been paid. I sent a letter to the President of XXXX regarding this matter but never heard from him. A credit mgr told us this may be revenge as the charge off is off my daughters report but not ours. 

XXXX did this to me as well, a few years back the repossessed my XX/XX/XXXX XXXX XXXX. My business went down & I found myself in a very bad place & I understood this. I got a letter from them stating I owed them {$6000.00} for the amount owed after the auction. The same day I getthe letter I get a phone call from a collection agency stating I owe them the approx ab=mount of {$6000.00} but they will take approx {$4500.00} a payment. They advised me this account was in a charge off. A XXXX charge off by XXXX without making any effort to give me a chance to pay it off. I advised the collection agency I will pay the full amount once the charge off was removed. I was told they could n't do that, I advised them there was no upside to me paying the debt as 1 - I had no car ... 2 ) it was a bad report on my credit & 3 ) I would be out the {$6000.00}. I also advised them that the repo guys in pulling out of my driveway very fast because I was out walking my dog bottomed out & damaged the left front bumper which was n't repaired. This would have had an effect on the sale price. I did n't feel I should have to pay for that as well. I understood & was n't angry about the repo. However at XXXX on a snowing Saturday morning XXXX guys are running around my neighborhood Yelling repossession over & over again as I asked if I could just get my stuff out. I had to travel XXXX hrs round trip to get my stuff That is when I saw how bad the bumper was & that it was n't repaired. 

The bottom line is Honda Finance puts a charge off on your credit even though they did n't attempt to collect the debt XXXX. I complained to both XXXX & my Senators, crongress women & state representatives & have not even receive an acknowledgement form them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
In XXXX XXXX, I signed a credit card agreement through Home Depot that Citibank services which stated that I had 24 months of interest free financing. When I discovered that Citibank charged my interest on the principle after 6 months, I called Citibank to get this issue fixed. The rep said it was n't Citibank 's fault and that it was my issue and Home Depot 's fault for not sending Citibank the correct documents. Eventually, the rep said she would fix the account and apply 24 months interest free financing. That never happened. Since XXXX XXXX, I have called many times trying to get this resolved. Most recently, I called and talked with XXXX ( REF # is XXXX ) in XXXX XXXX. She was very resistant to resolving this but agreed to do it. It 's now XXXX XXXX and nothing has changed. What Citibank and Home Depot are doing is fraudulent. This needs to be fixed immediately. I have been charged literally thousands of dollars in interest fraudulently.

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 2016-01-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have no recollection of this credit inquiry. Nor do I have an account with this company. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX This company DEFINITELY can not produce any documentation or signatures where I have applied for any credit them. I need this inquiry removed. Equifax never attempted to investigate the dispute. They deemed the inquiry valid without investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have no recollection of this credit inquiry. Nor do I have an account with this company. 

XXXX ( XXXX ), XXXX, VA XXXX Phone : ( XXXX ) XXXX This company DEFINITELY can not produce any documentation or signatures where I have applied for any credit them. I need this inquiry removed. Equifax never attempted to investigate the dispute. They deemed the inquiry valid without investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Listed below under Equifax , highlighted there is XXXX account that is still being reported incorrectly as of XXXX XXXX 2016 by XXXX. I have disputed this and they have yet to resolve. 

Listed below under XXXX, the accounts that are highlighted have been removed by XXXX, and all of these accounts are being reported incorrectly as of XXXX XXXX 2016 by Equifax. I have repeatedly disputed this, and they have not resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Several inquiries on my reports are unfamiliar and were not authorized by me. I have been victim of identity theft in the not so distant past. 

I disputed these inquiries only to be informed that inquiries were information that could not be removed as they simply reflect credit checking These false inquiries affect my score and if its information provided by agencies then it has to be removed if it 's not accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Ok I had someone steal my identity and have issue 's with Equifax keeping the fraud of my account. I have contacted them and they are doing nothing to fix just keep saying its facts. XXXX has done their job as this is what i pulled of my credit today as i copy. Since your last update on XXXX XXXX, XXXX, XXXX inquiries have been removed from your credit report. 
Lender Industry Inquiry Date Reported By XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous XXXX XXXX, XXXX XXXX XXXX Miscellaneous XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX So I am asking equifax to delete these fraud inquiries as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I filed and re-filed the same dispute because I did not get notice clearly stating the results of their investigation. XXXX filed XX/XX/XXXX and investigation complete XX/XX/XXXX. no notice of result of investigation. Re-filed same complaint XXXX on about XX/XX/XXXX investigation complete XX/XX/XXXX. No notice of results received. Re-filed same dispute for 3rd time XX/XX/XXXX XXXX. Pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Addresses reported were said to have been removed, still one showing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
frequently offline and unable to pull my score from equifax even though i pay a monthly fee for this privilege. this has created numerous issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
My cell phone with my drivers license debit card and social was stolen from the XXXX XXXX in XXXX 2015. I filed a report with the casino and canceled my cards and ordered a new phone. It was n't until XXXX 2015 I got a statement from a credit union I never heard of which made me realize my identity had been stolen.The person had open an account and received a payday loan not to mention applied for cars online. Ive been battling with the credit bureaus ever since. Some of the info has been deleted except the XXXX hard inquires that were not authorized by me. Even XXXX is XXXX and Ive been with XXXX for 8 years. I have a fraud alert and I plan to put a freeze on my credit once I get this straighten out. Please assist me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My current address is XXXX XXXX XXXX, XXXX Fl XXXX, not XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. ( The latter address is my business address not my primary )

Company response to consumer: Closed with explanation