vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XXXX 2016, XXXX 2016 and 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. I was going through personal medical problems that could have been the cause of this but I thought I made every effort to make my payments on time in 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
transfered money to XXXX bank for a car purchase the purchase was fraud i cancelled the transfer the next morning i tried to cancel same day but bank closed but the stop was in i have emails it took almost 1 week for someone to let me know a representative from the bank called me and sent email to bank trying to contact me saying he has my money and tell my bank to contact him to get my money back i only received XXXX XXXX dollars out of my XXXX dollars .i tried to contact the investigator from santander bank XXXX XXXX XXXX XXXX and she says she can not contact XXXX from XXXX bankXXXX XXXX XXXX to resolve this matter my case number is XXXX i really need some help to resolve this matter

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Financial Freedom Mortgage, LLC
State: NJ

Complaint narrative:
I am being continuously called by a company called, " Financial Freedom Mortgage ''. I have never applied for anything on line, NOR have I asked for help paying bills. When I called them today, the woman was telling me that I HAD TO HAVE FILLED SOMETHING OUT on line. I called back and asked for the manager, and the woman XXXX, who answered the call, said she WAS the manager. I asked her how they got my number, she said I filled something out and supplied it to them. I told her someone must have supplied the wrong number and I told them TO STOP CALLING ME. I am on the " do not call registry '', so they should not be contacting me. Their phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
We missed XXXX payment on our lease and now show XXXX late payments. Loan is paid off. I have asked Nissian to remove the lates since I have purchased and leased their cars since the XXXX years. They are not friendly and raise their voice when I call. I will never buy another product from them!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 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 am trying to pay my car loan off sooner and I have paid extra online and I called before I paid and after I paid and checked online to see where the money posted. Gmfinancial made the money post to 2 months and sent me a statement with the next month bill a zero amount due.But they charged me extra interest. I called them to fix it and they then placed in all on XXXX month and then made my bill be late. I called again to fix it they then put it back to paid in advance and not put the extra on principle. They act like they do n't want me to pay extra to principle monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
I paid off my 2012 XXXX XXXX with XXXX XXXX. I did a Bank Transfer to XXXX the same way a paid my payments each Month. The money was deposited into their account on XXXX XXXX. They will not send me the Title to my car until XXXX. I gave them my XXXX number to overnight my Title and they refuse. They are paid in full. I want my Title. I sold the car and the buyer is really mad! He wants the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
Online, opened new Santander Bank account with {$30.00} ( bank required {$25.00} minimum ). XXXX XXXX 2014. Later Santander statements issued to me showed {$30.00} balance. Still later, Santander variously reported to me by phone and mail the following : ( a ) account was opened with {$30.00} but signature cards were not received ; ( b ) account was opened with my promise to deposit {$30.00} but funds never received by Santander : ( c ) {$30.00} in funds were received by Santander but transferred by Santander to another Santander account ( s ) ; ( d ) Santander account numbers showing on Santander statements are invalid ; ( e ) funds received by Santander but transferred by Santander to a Santander debit card and later spent from that debit card ; ( f ) funds received by Santander but transferred by Santander to a Santander debit card and still reside as a credit on that debit card 's balance, but debit card number can not be identified ; ( g ) funds received by Santander but misplaced by Santander and can no longer be located. Santander also reported that my name showed up as a problem name in various reports issued by XXXX ; XXXX ; XXXX ; and XXXX. I was able to verify that all of these Santander claims regarding a " problem name '' were untrue ( could not be verified and/or denied by reporting parties ).

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 2015-03-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I wish to make a complaint against Santander Bank. 
All the banks I do business with post the interest on the last day of the statement cycle. Then the cycle ends at XXXX and the statementis printed to be sent out or available online. XXXX posts theinterest on the XXXX day after the statement cycle ends. In that case Iloose XXXX day of interest compounding. So, then the effective rate thatis incorrect.

Company response to consumer: Closed
Consumer complaint received 2016-05-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: QuickClick Loans of Illinois, LLC
State: CA

Complaint narrative:
On XXXX XXXX, 2016, XXXX XXXX of Brookwood Loans phoned me at XXXX XXXX regarding payment on a loan. My XXXX is XXXX and I can provide phone records. This is in violation of the Fair Debt Collection Practices Act, and because I am a resident of California, it is a violation of the Rosenthal Act.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TEXAS HIGHER EDUCATION COORDINATING BOARD
State: TX

Complaint narrative:
Hello, As stated in the complaints. I have fraud alerts and freezes on my credit because I was a victim of identity theft in XXXX. As a result my credit report as alerts on them until XXXX. Im not sure how someone got a hold of my information and attempted to apply for credit. I received notification that someone applied for a credit card with this company. I was unsure as to why it happened as I have a freeze and fraud alert on my credit reports to prevent unauthorized inquiries from happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
The finance person at XXXX Nissan kept told me that it was required for me to have all of these extras financed into my auto loan. Upon reviewing other standards, the extras such as gap insurance and required warranteys are not required. I over paid, and could not afford my payments, and they reposessed the car. When they repossed the car, they did not tell me what was in my car, nor the company would not give me my items even though I offered to pay the fee. The items were destroyed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: DFC Global Corp.
State: CA

Complaint narrative:
Past due on a payday loan and they are calling me while at work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc.
State: DE

Complaint narrative:
I called GM FINANCIAL on XXXX/XXXX/16 requesting a 60 day deferrment. I was advised all I needed to pay was {$200.00} and I would not have a payment due till XXXX/XXXX/2016. The deferrment would cover XXXX and XXXX payment. I provided the checking account information for the funds to come out on the XXXX. During this time I had XXXX which required a hospital stay and a long recovery period. I noticed that as of today XXXX/XXXX/16 the funds never came out for the {$200.00}, and also noticed I was receiving a barrage of phone calls and emails. I called GM back and was advised by a representative that they had the wrong checking account information and therefore the deferrment did not go through. I advised the representative that I wasnt notified and that any negative reporting should be null and void and I shouldnt be past due. Please look into this and see what happened to the call I made on XXXX and why the deferrment didnt go through.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: VA

Complaint narrative:
In reference to tracking number XXXX, XXXX opened a deposit account and funded by XXXX to pay the property taxes. Seterus changed it to a deposit account opened by Seterus and funded by home owner in violation of the terms and conditions of service transfer agreement between XXXX and Seterus. The reason XXXX did the way they did is that the mortgage is principal and interest payment only and they honored it. Seterus violated it. If Seterus argument that XXXX opened an escrow account based on XXXX crediting {$0.00} of my excess payment towards mortgage, they need to say so clearly and unequivocally. Seterus already admitted ignorance of what XXXX did and yet they claim they opened an escrow account based on {$0.00} credited to the deposit account...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I receive an " updated '' status from XXXX instead of a deletion. I originally disputed a series of student load delinquencies ( XXXX ) on my XXXX, XXXX, and Equifax credit scores. I have only missed XXXX payment to XXXX ( DEPT OF ED ), which is now paid to date, and they chose to report this late payment 9 times to the credit company. I have a fairly good score prior to this happening and I want to have it corrected as soon as possible.

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: TX

Complaint narrative:
I HAVE BEEN MADE AWARE THAT SS # XXXX HAS BEEN REPORTED UNDER MY NAME AS WELL DOB WITH : EQUIFAX AND MAYBE THE OTHER CREDIT AGENCY AS WELL. 

I NEED TO GET THIS RESOLVED ASAP AND HAVE IT REMOVED OFF MY CREDIT REPORT. 

I HAVE ATTACHED MY XXXX I USED FROM XXXX RIGHT OUT OF HIGH GRAD. UNTIL XXXX. 

I HAVE ATTACHED MY SS # CARD I USED SINCE XXXX WHEN IT WAS ISSUED BY THE SSA OFFICE. 

MY TAX RETURNS FILED FROM XXXX USED XXXX. 
MY TAX RETURNS FILED FROM XXXX USED MY SS #.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There is a name other than mine on my credit report.. " XXXX XXXX XXXX '' and the XXXX address is not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Credit bureau refuses to remove item and claims they verified debt but they did not

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: MD

Complaint narrative:
We had a mortgage with XXXX that was discharged in chapter XXXX bankruptcy 4 years ago. 
Another company purchased the " loan '' and has continued to bill us for back payments. 
It clearly states on the bills sent to us that if the property was discharged in bankruptcy disregard the bill. 
The company is SETERUS. 
I have called and told them the debt was discharged. But the bills continue to come. 
This is unfairly affecting our credit score. We are trying to rebuild our credit. We both work hard and have good jobs.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is reporting a duplicate account with negative rating. With documentation from CFPB that shows reporting is wrong, letter from company apologizing that report is wrong, and calling Equifax and they state it is wrong. The report continues to report a duplicate account even after several attempts to dispute on line. 
Next phase will be suing Company and Equifax to false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
As per the debt collection agency - XXXX, the debt of {$64.00} was requested to be removed from all Credit Reporting Agencies in XXXX 2016. It is still showing on Equifax. See portion of communication from XXXX to CFPB - *** " In addition XXXX sent notice to the XXXX major CRA 's to remove the tradeline from XXXX credit history in XXXX. '' *** I want this debt removed from my credit! ( SEE ATTACHED TRANSCRIPT DIRECTLY FROM XXXX TO CFPB-HIGHLIGHTED IN YELLOW )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have continuously disputed the XXXX account on my credit file. I know i have disputed it with Equifax in the past and it is in current dispute with XXXX. I noticed on my credit report that the acount was removed, and then it was reinserted. I believe under the fair consumer act Equifax is required to notify me no more than 5 days after an account has been reinserted. I believe I have rights here that have been violated-on top of my dispute with fedloan. I believe that equifax has an obligation to remove the account from the file or they can fax legal charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I do n't know how to answer the preceding question and it appears irrelevant. 

I printed the form on the CFPB 's website to request a free annual credit report from all XXXX main credit agencies, completed it and mailed it to the address indicated several weeks ago, via certified, return receipt USPS delivery. I got a letter from Equifax that falsely claims it did not receive information just submitted, such as my address. It further demands my social security number and birth date. I have received copies from all XXXX major credit reporting agencies at the address provided since 2001, for well over 15 years. The credit bureaus are so out of compliance with existing laws and they have caused me so much damage with lost credit and higher costs of credit, that they should be required to send me my credit reports to the same address they have sent them to for years, but only AFTER the CFPB forced them to give me copies of my credit reports. A recent pull of my credit report from Equifax and XXXX by XXXX XXXX XXXX XXXX indicates that my credit score has dropped precipitously and could hurt my ability to get a mortgage loan or at the best possible price. In the past, both of these credit bureaus have repeatedly carried false information in my reports that have injured my ability to get financing at the best possible rate. Equifax has acted hostilely to me for years, with little or no consequence and can not be trusted. Furthermore, they are not entitled to record, keep or provide my social security number and birthdate to third parties, yet they do so relentlessly against my written directions to cease and desist from doing so, exposing me to unwanted risks to my privacy, identity theft, cyber crime from all over the world, and enormous, unwarranted, credit difficulties.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have notified Equifax on many different occasions that the following addresses do not or have never belonged to me. Please remove the following addresses from my credit file : XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX

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

Complaint narrative:
The tax liens on the credit report have been released

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I 've tried disputing a couple of fraudulent accounts on my credit report, and the Bureau has taken some of it off but only the collection things. I 've sent letters to the creditors XXXX, XXXX XXXX, XXXX XXXX, etc. and have gotten little response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine? Most recently about a month ago I did send in an Identity Theft document and all of the items it asked me to include. Feel like after six months of disputing and working hard that it is going nowhere. Would like to have this stuff taken off my credit report bc it is not mine. 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 explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Vehicle was totaled, declared a total loss on XXXX XXXX, 2016. WFDS/WDS has reported to the credit bureaus a 30 day late pay to all XXXX credit bureaus for either XXXX or XXXX, I am unclear on the exact. However I was told not to make payment as the car was a total loss XXXX XXXX. Attached is the letter from my insurance company via my lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Alliant Capital Management LLC
State: DE

Complaint narrative:
I asked for a workout plan and they were not willing to help me ... .I am experiencing a huge hardship. I am receiving calls at my place of business daily from Alliant Capital Management Llc. I hang up once they get rude and they will call back using different extension to get transferred back to my office to continue the harassment. At times when I hung up they would just keep calling my office number back to back for 15 to 20 minutes. They have given information about me to other people without my consent at my job and have called family and upset them ... making them think I am in trouble. I am not comfortable with the nature of these calls and they are threatening to come to my job ... .The company is representing XXXX @ XXXX ... .their name is Alliant Capital Llc Management ... their address is XXXX XXXX XXXX XXXX XXXX, Ny. XXXX and their phone number is XXXX.This is causing me problems at my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am delinquent on my mortgage and am trying to get approved for a loan modification. I have provided all the documents requested by my mortgage company in order to consider me but I have a foreclosure sale date scheduled on XXXX/XXXX/16. They are telling me they are unsure if the sale date will be pushed back. I need some assistance with this, please help in any way possible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation