vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-05 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I accidently forgot to transfer the money I was saving for rent out of my savings and into my checking. For this I was charged an overdraft fee. Today, I see the check is bounced and the fee was refunded. However, now I have another {$35.00} for the bounced check even though the representative on the phone told me the check would by deposited again in XXXX business days at which point it will not bounce because I have made the transfer. The bank refuses to reverse the {$35.00} fee despite my financial distress because of activity on my account that occurred XXXX-months ago. I have been in financial trouble for some time and have paid plenty of fees but in this case, the fee is the only reason why my account will be over drafted {$20.00} in XXXX business days when the check is deposited again.

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 2015-08-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AZ

Complaint narrative:
XXXX XXXX aka NMAC has reported a 30 day late payment to my credit report purportedly occurring XXXX 2015. This payment was not made late and I have attached supporting documentation evidencing the date payment was made.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
Nissan Motor Acceptance Corporation continues to harass my family. They call my parents and my siblings numerous times a day and also disclose my personal information to them. I have asked them to stop calling my relatives, as I do not live with them and they have the number to reach me directly. They continue to harass them waking my parents up late at night and harassing my brother as well. I live in a completely different state than my family and I do not want them to continue to harass them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I do not understand the payment history on my account. Repeated attempts to find out why there were repayment plan payments applied when I never agreed to a repayment plan. Local branch and mortgage loan opertations could not explain. I also do not understand why they were satisfying Late charges and expenses instead of trying to get my account current. what was going was to no avail. Credit History has been impacted.

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 2016-07-21 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Brock & Scott, PLLC
State: VA

Complaint narrative:
I have requested the records of this account because I believe this account was opened by someone other than me. I have not gotten this information and I 've been sent a repayment agreement that is asking me to notarized. Which I was n't aware of apparently a court date was missed and they are saying that I have to sign and notarize this agreement because they could take my house, car or anything they feel is valuable

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA

Complaint narrative:
In XXXX XXXX I leased a XXXX Nissan Rouge for a term of 39 months. I returned the vehicle in XXXX XXXX with XXXX miles under the allowed amount of XXXX miles, and the vehicle passed the end of lease inspection without any damage. The vehicle has since been sold by the dealer XXXX Nissan as it was in excellent condition and had very low miles, XXXX, so XXXX Nissan has made a very significant profit on this lease, as well as Nissan Motor Acceptance Corporation, XXXX. XXXX XXXX. XXXX, Texas XXXX. Recently I received an Invoice for a Disposition Fee plus Disposition Fee Tax for a total of {$430.00} because I chose not to lease a new Nissan or utilize the option to buy the car I leased. After examining the Lease Agreement I found no mention whatsoever of a Disposition Fee anywhere in the paperwork. If I had seen such on the lease agreement I would not have leased the vehicle in the first place. For this reason I 'm asking you to contact Nissan Motor Acceptance Corporation and have this unacceptable fee waived due to non disclosure.

Company response to consumer: Closed
Consumer complaint received 2016-06-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Collection Systems, Inc.
State: PA

Complaint narrative:
My collections agencies refuse to send paperwork nor negotiate anything with me. I started to pay my debt just recently they refuse to make my credit report in good standing. I have n't received any mail about this debt either. The account balance is wrong 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 2016-12-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 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 2016-06-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I mailed out a letter and followed the instructions precisely ; included a copy of my drivers license, proof of my social security number, and proof of my address, along with my letter asking for an investigation into numerous issues. That was two months ago. They have not responded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been working with a consumer financial educational consulting service to improve my credit scores at XXXX major credit reporting bureaus, Equifax, XXXX, and XXXX. In general I have had good service. However, in comparing information from all XXXX bureaus, I noticed a conspicuous absence of XXXX successful, perfect paid, accounts from the Equifax report, that were reported on the other XXXX bureaus. In Equifax 's notes at the end of my report, they say that the number of derogatory account exceeds my successful accounts, AND THIS IS ONE ITEM THAT EFFECTS MY CREDIT SCORE. 
So, moving forward I telephoned each of the XXXX past creditors to inquire if they report to all the credit bureaus. XXXX of these was XXXX XXXX XXXX, and the other was XXXX XXXX. Both lenders said that they absolutely report to the XXXX major bureaus, the fourth being XXXX, and gave me their very strict reporting on the timing of submissions. 
I wrote Equifax on XXXX XXXX and again on XXXX XXXX, and have been ignored on this issue. I know they received my correspondence because I sent the complaint along with other requests for outside verification, which were affirmatively responded to. I quote the letter of XX/XX/XXXX : " EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX ACCOUNT & XXXX UNRESOLVED ISSUE -- -- -- -- - -- -- -- -- PREVIOUSLY UNRESOLVED ISSUE I have previously written you that someone in your bureau has, inadvertently or intentionally, acted to defraud my credit, by deleting histories of XXXX successfully paid accounts. I show them below and verified : I have XXXX successfully paid off automobile loans that should remain on my credit file history for 10 years after the last payment. 
XXXX is with XXXX XXXX XXXX XXXX with never a late payment from XX/XX/XXXX - XX/XX/XXXX. 
The other is with XXXX XXXX XXXX with no late payments from XX/XX/XXXX - XX/XX/XXXX. 
When I noticed the conspicuous absence of your bureau 's reports of these, when viewing a merged credit report, I telephoned both of the above lenders to verify my accounts, and to verify that both agencies report to XXXX MAJOR CREDIT BUREAUS, and of course, yours is one of these. 
I want these positive accounts restored to my credit history as soon as possible. 
Your prompt response is required. 
Sincerely, ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have tried numerous times to get my free credit reports from annualcreditreport.com. I have also tried setting up a Social Security Account Online. Every time Equifax tries to verify my information it fails, yet the other XXXX agencies say it is right. 
I 've called Equifax numerous times ( Maybe XXXX ) and spoken with them over the past two years trying to fix the problem or get an answer. They say they information I am entering is correct yet every time I try to get an online report the other XXXX credit bureaus give it to me no problem. Equifax NEVER! 
Furthermore Social Security uses Equifax to verify their system to create online accounts. I had to go into the office and have them override the Equifax failed authorization. 
Equifax checked my report reset everything I can login but yet every time I try to get any type of verification through Equifax it fails. They said all my information is correct and no holds are on the report of any kind? 
I am so sick of this problem. I have been trying to fix it for two years. I even have an agency helping my repair my credit and they have no idea what is going on neither does Equifax but it needs to be fixed ASAP. Places ca n't see the equifax report because the authorizations fails. I need this fixed as I am applying for a mortgage. 
XXXX XXXX XXXX XXXX - XXXXXXXXXXXX or XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent in a police report, Identity Theft Report and proof of my identity, name, address, and Social Security number. Explained which information on your report came from identity theft. And instead of blocking the items, they put them in dispute along with other accounts I did n't ask to be blocked. When I called in a lady in their fraud department said it is up to the creditors to remove the data, not Equifax which is not true at all!!! 
I only asked for these XXXX items to be blocked : 1. ) XXXX XXXX BANK XXXX XXXX # XXXX 2. ) CREDIT XXXX BANK # XXXX 3. ) XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have not authorized a series of inquiries that are showing up on my Credit report and am disputing them. All the listed companies that have requested a copy of my credit report on the letter attached do NOT HAVE my written authorization to view my Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This item was placed on my credit report as a result of identity theft. I disputed this with the company and they sent me the attached response which I have screen shotted and attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am currently experiencing extreme difficulty with the credit bureaus. XXXX, Equifax, and XXXX are all reporting my XXXX Accounts as a revolving debt. The definition of revolving debt is- Revolving debt is debt that typically has a variable interest rate, an open-ended term and payments that are based on a percentage of the balance. Revolving debt has a pre-determined limit, agreed upon by the lender and borrower. 
Revolving debt is the kind of debt that credit cards offer and is usually an easy way to get credit. It can be a useful tool when used with discipline. This is damaging my score and affecting my lively hood. My revolving accounts such as XXXX XXXX Credit Card, XXXX, and XXXX XXXX are all in good standing. I have been paying about XXXX80 % of my balance charged every single month. My credit score should be much high than it is. The credit reporting agencies are in direct violation of The Fair Credit Reporting Act where it states, '' Consumer reporting agencies must correct or delete inaccurate, incomplete, orunverifiable information. Inaccurate, incomplete or unverifiable information must beremoved or corrected, usually within XXXX days. However, a consumer reporting agency maycontinue to report information it has verified as accurate ''. XXXX account number XXXX, XXXX and XXXX should be reporting as UTILITY not revolving. XXXX acct number XXXX should have a zero balance and account number XXXX should have a balance of {$160.00} not {$380.00} reported. Due to the erroneous reporting since XXXX 2014, my credit score has suffered tremendously. Revolving accounts reporting as past due or late can damage a consumer 's credit report and in this case I have suffered severely.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The statue of limitation has run out on XXXX accounts under my report with Equifax. Both accounts were opened in XX/XX/XXXX. Equifax is refusing to delete them even though I have not paid any $ on this account since XX/XX/XXXX. Equifax is saying the XXXX years starts over once I disputed both accounts. I just disputed accounts in XX/XX/XXXX. Equifax states that the XXXX years begins from XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft and now I have over XXXX inquiries on my credit report.Equifax violated my security freeze and released my credit information to companies that requested it. There should have been controls in place to prevent Equifax from aiding the identity thief into having my credit ran over XXXX times. I have disputed this with Equifax several times and they have taken the stance that its too much work for them and they are taking no action. They have not bothered to investigate the nature of my dispute. This is having detrimental damage to my credit score. They refer me back to the creditor and the creditor refers me back to Equifax. Equifax released the information and they need to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have disputed with Equifax Credit Bureau and the creditors and pointed out the errors that are listed on my credit report. After pointing out the errors, the items are still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX shows one missed payment and sold or transferred this was paid in full on time

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
i checked my credit number and i nocticed that i had stuff in my name that can not possibly be mine

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I opened a bank account with XXXX XXXX XXXX XXXX & They Credit Reports Go Through Equifax. & They Have My Birthday Year Wrong But Saying I Do n't Have Any Credit History. How Can I Change That & Where To Send My SS Card? Birth Certificate & My Licenses To Confirm My Birthday Is XX/XX/XXXX and Not XX/XX/XXXX .. I Need It To Be Done Asap So I Can Build My Credit To Get An Appartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
both of my credit cards have been reported as closed by consumer, which is not true, both of them are open being used by me and have perfect payments history.

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 — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Account from a cable company appears to be in collections with a balance of {$550.00}. However, I 've been on time with payments, and I called the cable company they said they have not sent any account under my name to collection. Also, this collection account has a different number from my original, and it just appears in XXXX credit report XXXX Equifax XXXX .I sent a dispute, but I havent gotten an answer yet. I would like this to be looked into please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am a victim of identity theft and have fraudulent accounts listed on my Equifax credit report that do not belong to me. I have sent numerous letters and police reports to Equifax disputing the inaccurate information listed on my report and I received numerous letters from Equifax informing the disputed information is accurate. I want the following fraudulent accounts listed on my Equifax credit report removed immediately from my credit report : XXXX XXXX XXXX, Account Number : # XXXX XXXX, Account Number : # XXXX XXXX XXXX, Account Number : # XXXX XXXX XXXX XXXX, Account Number : # XXXX XXXX Account Number : # XXXX XXXX, Account Number : # XXXX Collection XXXX, Account Number : # XXXX Of XXXX, Account Number : # XXXX XXXX XXXX Account Number : # XXXX XXXX Bank USA XXXX XXXX Account Number : # XXXX BankXXXX XXXX XXXX Account Number : # XXXX XXXX XXXX, Account Number : # XXXX Loan XXXX XXXX XXXX Account Number : # XXXX Bank/GLELSI, Account Number : # XXXX Bank, Account Number : # XXXX XXXX, Account XXXX : # XXXX XXXX. XXXX, Account Number : # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Equitable Acceptance Corp
State: NM

Complaint narrative:
I filed a separate complaint about XXXX XXXX case number XXXX ). This claim is in conjunction with that but is against Equitable Acceptance. XXXX charged me a loan processing fee to file paperwork with the XXXX that I could have done for free. They took out a loan on my behalf with equitable acceptance. Equitable acceptance is charging me for the " fee '' they paid XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
I asked for identity verification with Equifax. Even though I submitted an id and my social security number via fax 3 times I never heard from them. When I called they could never find any record. I sent in that information by mail and never hard from them. 
Even though I 've done everything exactly as I had been asked to do I can not get information as to what is in my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
Equifax believes I am dead. About 10 years ago I started the onerous process of trying to get their misinformation corrected. I was not successful. I 've just been turned down for a loan because the lender uses Equifax, exclusively. I would like to see this problem corrected. The other XXXX credit reporting agencies give me an A+ rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The security questions asked by Equifax to prove my identity do not apply to me. It asked about a mortgage and credit card I do not have and never had. For this reason I am unable to get a credit report. I believe my identity has been stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX recently ( XXXX XXXX 2015 ) re-opened ( once again ) a previously closed account on my credit report which dropped my score by XXXX points. I am in the process of being a first time home owner and this has almost killed that possibility. This account was not only closed but should have been updated as settled. I have been going back and forth with this company ... to include a 30 day late that they added to a CLOSED account. Please review the previous cases with them as well as my supporting documentation of payment. Thank you

Company response to consumer: Closed with non-monetary relief