vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-05 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax will not remove the fraud alert from my credit report!!!! 
I DID NOT ASK TO HAVE A FRAUD ALERT PLACED ON MY CREDIT REPORT REMOVE THE FRAUD ALERT AND ALL ALERTS FROM MY REPORT XXXX Va XXXX SS # XXXX dob XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 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: MI

Complaint narrative:
XXXX of 2015 I received a call from a well spoken man claimming that he was working with a company who received a federal grant from a new bill President Obama issued to consolidate federal student loans. I was really excited because I had just given birth to my XXXX son and was getting back on my feet after being XXXX and just moved into my first apartment so I did n't ask a lot of questions, he said he was from the government and that his company was with the XXXX and had a great rating. I gave him all my personal information and completed some paperwork over the phone and I 've been paying XXXX a month to the Equitable Acceptance Corporation since XXXX. They have been charging me interest and I 've had the loan for a year but it never seemed to go down and whenever I called to ask them about it I reached only a voicemail. Between XXXX and XXXX I received letters from XXXX my REAL loan company saying my bill was XXXX $ and I owed XXXX $ so I assumed that this was because of my loan with equitable acceptance. 
The man I talked with to set up the loan with equitable acceptance knew that I was recently XXXX and that my financial knowledge was minimal and he assured me that this loan would be a great step towards a positive financial future. I 'm a single-income home and provider of a minor ... I 'm really disappointed in myself for falling for this scam but I 'm even more frustrated that a company like this is even allowed to exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 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:
XXXX XXXX, 2016 Consumer Financial Protection Bureau XXXX, IA XXXX NEVER AUTHORIZED PEN FED TO RUN MY CREDIT AT ALL FRCA Violation On XXXX Reporting On XXXX XXXX, 2016 By Equifax I have noticed that you have placed one or more inquiries on my credit file ( s ). As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose for doing so since I did not apply for employment with your organization nor did I request credit from your organization. 

Please contact me immediately at the address listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. No. XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am the victim of ID theft and Equifax is reporting a fraud account. I have tried disputing it and have sent in a police report as well showing it is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My Ex ( XXXX XXXX XXXX, Date of Birth XXXX/XXXX/XXXX ) seems to have had XXXX credit card ending with XXXX issued under my name, and not made payments since XXXX XXXX, thus going to collection agenciesI contacted XXXX fraud investigationThey are investigating it along with local investigators in XXXX, IL police departmentPlease make sure My crdedit score is readjustedThe lady investigating this credit card fraud from XXXX XXXX XXXX who can be reached at XXXX XXXX XXXX would appreciate if this credit card fraud is reported to other XXXX credit bureausMy name XXXX XXXX XXXX of birth XXXX/XXXX/XXXX and can be reached at XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I disputed with Equifax and answered my own questions correctly but could n't dispute because it said I answered them wrong. I think I know about my own history. I disputed with XXXX but they have yet to even acknowledge my dispute- the information is either not an account of mine because I have n't had an active cell phone in my name in years or is time barred for reporting purposes/legal ramifications. The company, XXXX XXXX itself withdrew the collection and sent back to whatever company ( XXXX? ) that it bought the debt from. Yet the damage has been done to my score - on XXXX I lost XXXX points! Unbelievable that people -with no actual proof -can damage someone 's credit reputation. Good job credit bureaus!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I HAVE NEVER HAD A " TIMESHARE '' WITH ANY COMPANY- I HAVE DISPUTED WITH EQUIFAX SEVERAL TIMES IN REFERENCE TO A COMPANY NAMED XXXX XXXX XXXX THAT HAS MY SOCIAL AND IS REPORTING AN ACCOUNT THAT DOES NOT BELONG TO ME. I HAVE FILED A POLICE REPORT AND THEY REFUSE TO COMPLY WITH THE AUTHORITIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
There are multiple inquiries that I did not approve of. The ones I authorized were : XXXX, XXXX, The XXXX XXXX XXXX dated XX/XX/2015.

Company response to consumer: Closed with explanation
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: MI

Complaint narrative:
I am on XXXX looking at my credit report from you and there are multiple mistakes but it 's not allowing need to dispute anything through XXXX so then I went to your website and I still ca n't dispute it because I do n't have a credit report number so this is why I 'm contacting you on here. 

First there are XXXX accounts with XXXX both accounts have clearly been compromised there are multiple transactions that are fraudulent the account should be closed immediately and a fraud investigation begun I should not be over my credit limit I should not be past due XXXX XXXX accounts closed in to stop reporting the negative information that does not belong to me XXXX of them has a balance of {$5800.00} the other XXXX has a balance of {$1900.00} XXXX account says that it 's closed has an amount due a {$5200.00} absolutely no knowledge of this account this account never belong to me I do n't know where it came from like it was open back in XX/XX/2014 but again I have no knowledge of this account XXXX closed account balance {$1500.00} again I have no knowledge of this account this was clearly open front and XXXX and I am unaware of the account

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I was added as an authorized user on an account without my authorization or knowledge. The account is XXXX XXXX # XXXX. The account holder later defaulted on the account, now the account is reporting on my credit as charged off. I contacted the XXXX credit bureaus to have the account removed off my report. The account was deleted by XXXX and XXXX, Equifax refuses to delete the account. I never opened this account, I never signed any agreement with the creditor, now I 'm having issues trying to buy a house because Equifax is reporting incorrect information and the creditor is illegally reporting this account as mine. Please delete this account from my Equifax credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax previously made changes to this account and without merit, please see the associated case number. 

Equifax is making changes to my credit report without any trace-ability, and failing to publish or notify me of their decision to continually and manually, update my record. 

As a result of Equifax updating this account, the ACCOUNT TYPE has become inaccurate. 

1. This is a XXXX XXXX - XXXX Account - Credit Card. 
2. Equifax updated this to be a XXXX Card, and with no substantiation3. Attached is the screen shot of the before, and then after state of this account4. Changes ( including changes to text and the account type XXXX have been made by Equifax1. Equifax, please revert this account back to it accurate assignment for the ACCOUNT TYPE2. Any Changes to this record, please respond in line with FCRA and send me by way of XXXX XXXX Mail, such results/reasons for your change.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I closed my checking account with Santander bank USA. I had automated bill pay associated with that account. After couple of months, Santander bank sent the checks to payees where I had set up automated payments from my closed account. Those checks are bounced and vendors charged for bounced checks. When I called Santander bank, bank said this automated bill pay is outsourceed to XXXX and it is not Santander bank 's responsibility and Santander bank ca n't stop sending check even if the account is closed. When I called XXXX, XXXX said they ca n't do anything because information comes from Santander and that bank has to stop sending information. So XXXX will keep sending checks even if account is closed. Santander bank never disclosed all this information during account opening and did n't inform during account closing.

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 2016-05-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
I recently tried to sell my car at XXXX in XXXX. The car loan has been paid off for several months, maybe even a year ( I ca n't remember the exact date when I paid it off ). The car was originally purchased in XXXX & the title is from XXXX. The car is currently registered in XXXX & when XXXX looked it up in the dmv system they said it still shows that the car is owned by Nissan and that they needed a notarized letter from Nissan stating that the car was paid off. When I contacted XXXX finance and asked for a notarized letter they stated that they do n't handle lien releases and that I would have to file the request through XXXX. I did exactly as I was told and after paying {$45.00} for an expedited request, I received the lien release almost 2 weeks later. The actual document is not notarized and therefore not accepted by XXXX. It looks like something I could have produced on my home computer. During my 2 week wait for this lien release I contacted Nissan again because the request was taking too long. They said they would send me a letter but it would not be notarized. At this point I am running out of options. I ca n't sell the car because Nissan is n't willing to provide a notarized letter. The car legally belongs to me, after all it 's been paid off for a while. I do n't know what else to do but this is costing me too much time and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: C.Tech Collections, Inc.
State: CA

Complaint narrative:
This involves a dispute that was resolved in my favor in XX/XX/XXXX, for a XXXX service by XXXX XXXX on XXXX XXXX XXXX. 

The service was done without any disclosure of the pricing, after which I was forced to pay the sum of {$3100.00}, - for a facial service lasting less than an hour. I was told I could dispute it or ask for a discount after the fact. 

I won the dispute providing evidence of other merchants in the same line of business, who stated that the charges were more than outrageous, as common sense would tell you. 

You 'll understand my surprise to now learn that the merchant engaged debt collectors after agreeing to resolve the dispute in my favor and releasing the charge made. 

I have gotten in touch with the debt collector and explained my situatin. I was asked to put things in writing, so I did, also providing proof of the dispute being resolved. I was told my case would be discussed internally.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: General Motors Financial Company, Inc.
State: VA

Complaint narrative:
This debt is from 2006 This is the 1st notice I 've received since then and my check is being garnished. This debt had passes the SOL.I was never informed they were working towards garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: DFC Global Corp.
State: CA

Complaint narrative:
I 've been getting letters from loan places. I got a loan once, and ever since I 've been receiving letters saying I owe I payed so I figure it was paid for but I keep getting letters saying their was a new loan that was n't me

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: General Motors Financial Company, Inc.
State: IA

Complaint narrative:
i purchased a auto loan with GM financial. My interest rate is almost 18 % and i have found out from other lenders that my auto is underwater. I have tried several time to get my car refinance and no other lender will touch the loan, i am being charged over XXXX more than what the vehicale is worth. I keep attempting to get out of the loan however, can not find a lender. 
first of all back in 2012, i was told the rate was 11 % however when the final paperwork was done it was over 18 % this is preditory lending because i am XXXX XXXX women. please send me someone that can help me. i need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Michael & Associates, PC
State: CA

Complaint narrative:
I became underemployed due to my son 's health issues. XX/XX/XXXX, XXXX XXXX suddenly raised my minimum payment from {$1200.00} per month to {$2100.00} plus per month. I called XXXX XXXX continually, explaining that I could not pay this amount, because I am underemployed due to my son 's health issues. I also changed my account from a platinum card to a green card, to lower the yearly fee from {$400.00} plus to {$55.00}. Even though they could see that I was struggling financially, they refused to lower the monthly payment, continued to charge me interest on my card, as well as fees, and even though I made payments, they still reported me as late if I did not meet their high minimum payment. Still, I paid what I could as often as possible. On XXXX XXXX, I paid XXXX {$2100.00}. On XXXX XXXX, I paid XXXX {$500.00}. On XXXX XXXX, I paid XXXX {$1000.00}. On XXXX XXXX, I paid XXXX {$1300.00}. On XXXX XXXX, I paid XXXX {$200.00}. On XXXX XXXX, 2015, I paid XXXX {$1000.00}. On XXXX XXXX, 2015, XXXX filed papers to sue me, even though I had been paying them as much as I could as often as I could.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: High Point Asset Inc
State: FL

Complaint narrative:
I got a call from High Point Assest, Inc on behalf of XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX. These same people have been calling my family, in particular, my XXXX year old mother who wants to give them money my behalf. All of my payday loans were paid years ago. I received a letter via email but not U.S. mail. 

These are people who change their names and identities. This should be criminal. I had payday loans during the down fall until I could pick up a XXXX job. 

I believe I am going to create a script to possibly scare them as much as they are scarring my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-25 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:
We were notified through a general notice sent by postal mail from Santander Bank that starting in XXXX, we would be charged a {$3.00} paper statement fee starting XXXX XXXX, 2017. This fee will be charged on the first business day following the statement period date. To avoid this fee, we will need to turn off paper statements through Online Banking and to do so individually for each account. The letter acknowledges that the change is easier for some than others and that this is being done for environmental reasons. We have contacted bank representatives at local branches and by phone several times indicating that this is an inconvenience for us and makes it difficult to review charges ( allowing the possibility of additional fees to go unnoticed ). We also noted the equity and access issues, particularly for individuals who do not have easy internet access. Each representative and supervisor categorically stated that they could not override the paper statement fee at an individual level. I understand that this fee applies only to our personal account, and not the business ones which shows inconsistency between accounts. It is my understanding by reviewing relevant online guidelines and reaching out to several state and federal agencies that national banks are required to provide periodic statements if electronic fund transfers can be made to or from the checking, savings, money market, or NOW account. We are concerned that the paper statement service fee represents a potentially deceptive, unfair, and inequitable banking practice and that such a charge violates our rights as consumers. We would like this issue to be investigated not only for our family as account holders, but for all account holders who may prefer to maintain paper statements at no additional fee.

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 2015-10-26 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: High Point Asset Inc
State: NC

Complaint narrative:
THis is a third party contacting me, my family members etc. I have not had any payday loans in 6-7 years. They claim they are going to take me to court, etc. They scare my elderly parents. When I have called them back asking for a full detail in writing, they never follow through. This has got to stop. I have a job to do and can not do it when my family members call me upset all day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
GM Financial reported me with a 30 day Past Due remark on my Credit Report. They did this without ever contacting me to inform me of ever being past due. I was only ever given Statements that showed I was actually over paying my lease and therefore, had a negative amount due. I even confirmed this with them on a number of occasions. I was actually told I did not owe anything! I have full documentations showing all statements, for the past three months, that show I had no payment due.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Sandanter Bank is reporting XXXX line of credit accounts to my report as haveing been late on payments. I have disputed these account with Sandanter and Sandanter has failed to provide the notice of dispute in the required time frame as required by law. I am planning to sue Sandanter Bank in small claims court nearest to me. I am planning to sue for {$5000.00} as explained in attached letter. 
This is a goodwill attempt to solve this issue out of court and without monetary compensation. once i Sue in court i will not settle without momentary compensation.

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 2015-09-16 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
On XXXX XXXX, 2015 and contacted navy federal credit union and we go I still drinking fees that are being charged through ATMs and other banks are allowed to charge him because XXXX regarding news I think this is illegal to United States citizen because all transfers are electronically communicated to XXXX XXXX yeah baking and collecting fees of a members and customers just to have money in your pocket and you already a bank they have money in a money it should be given to the customer if you do not have any branches in the Surrounding areas that need to be required to open branches and stuff and make it available today customers that way we will have to pay the bank that we get my fees for money from I think it 's against the law I do n't treat your customers or members correctlyplease investigate Navy Federal and all branches in United States ATM and make sure they are filing United States banking Federal regulationsall misconduct and miss management of branches in ATM card to be charge according to United States federal

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation