vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I XXXX XXXX have things on my credit report that should not be on there. Certain things have reach there statue of limitations, and other things, where my social security number has been use as fraud. I would like this things taking off my credit card. I never had a mortgage, never bought a home yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Santander Bank charges a $ 5 monthly fee whenever the " value '' checking account average daily balance for the month drops below {$500.00}. That 's OK and clearly described in their terms. The problem is that they post the fee on the first day of the new period, the day after they send out the statement for the period for which the fee is levied. This means that their customers checking balance is {$5.00} less than the customers expect, and for those customers who live on the edge, might result in hefty overdraft charges. I believe that sticking those unfortunate customers with those onerous overdraft charges as a result of a month long delay in notification of a {$5.00} service fee is the exactly what the bank intended. 

There should be a requirement that requires banks to post any monthly service fees charges on the last day of the monthly statement period so that they are included in the monthly statement.

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 2016-07-13 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I have been paying on a loan, on my XXXX CHEVROLET CORVETTE, which I have made a point of not being late, in order to build up my good credit record. I have been expecting my last payment to be final XX/XX/XXXX & expecting to be able to collect the title & was very excited that it will soon be over with & would be paid for however noticed the statement even gives a 4 payment to go & it also states that there has n't had any past due amounts or late fees charges on any of my statements. Yet my payments on the loan is {$510.00} ( {$460.00} principle + {$45.00} interest ) which would be {$2000.00} but they claim I owe {$3100.00} for my current balance? Which is {$1100.00} still left they are claiming I owe?? So I tried resolving this with customer service & was informed I was n't late on my payments ( which I specifically made sure I was NEVER late to making my payment in order to build a good credit history ) but was being charged an interest fee they charge daily that I am required to pay for even with making all my necessary scheduled payments & NEVER was it ever listed on my statements that they were charging me ANY of these fees or that I even owed it. They claim I was informed of these such charges & even mentioned how it was on my contract & if I did NOT pay this added amount within 30 days after loan matures that they have the right to REPO MY VEHICLE!?! Yet directed me to another department to make arrangements for this additional amount they are trying charge me. I feel very disappointed about this whole ordeal & wanted it to be rectified & have it resolved!!! I CA N'T BELIEVE they can get away with this & would appreciate any advice resolving these charges or fees & would like to inform anyone else who maybe considering using their services to BEWARE OF HOW THEY CONDUCT BUSINESS WITH THEIR LOYAL CUSTOMERS!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: General Motors Financial Company, Inc.
State: MD

Complaint narrative:
Around XX/XX/XXXX, I purchased a brand new car ( XX/XX/XXXX XXXX Versa ) with a goal of having the car for five years or at least XXXX miles. XX/XX/XXXX, the car started giving me problems, after researching the problem there was a power train issue, which XXXX has an extended warranty for my make and model. After having the car for over a week, XXXX returned the car to me in the same condition. The next day, I returned to car to XXXX, they currently have the car running more test. In addition to not fixing the car, the car failed inspection and XXXX gave me a bill for {$1600.00} to fix the car to pass Maryland state inspection. XXXX ripped me off, I purchased a {$10000.00} car, paid {$30000.00} for the car, it has a balance of {$13000.00}, appraising for {$6000.00} with less than XXXX miles, a refurbished engine and I can not legally drive the car in the state of Maryland. 
On XX/XX/XXXX, I went to purchase a new car and was told that I would not be able to be financed because of the Versa having a balance of {$13000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
In XXXX 2014 I entered into a settlement agreement with GM Financial. The terms included making XXXX of the past due balance and the account will be settled. Terms also included removing past negative marks and tradelines on my credit report. GM Financial has completely removed the prior payment history on XXXX however they have not honored the agreement to remove the tradeline from XXXX, XXXX and XXXX. It 's been a year and I would like the credit reports updated immediately per the settlement. last XXXX SS : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Have on the credit report that this is a joint account. I am divorce, it on file in XXXX XXXX in NC. The bank is Santander Bank N.A. XXXX XXXX XXXX, XXXX, MA,XXXX Tele- 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 2016-04-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
I never received any bills nor any calls as the dealership incorrectly attached my old address and phone number to my account when they submitted it to the finance company. ( I previously bought a car with them before buying another XX/XX/XXXX ) I has an issue with the dealership for selling me a car with bare tires when per contract it was supposed to be Certified. This was corrected in XX/XX/XXXX/XX/XX/XXXX and I was told I would get a refund on my insurance that I bought and I would not have to make a payment until the tires and bearings were fixed. I have made a payment every month. I have never been late. I relied on the word of the car dealership and now my credit report shows that I have been late paying for about 6-7 months. I just received confirmation that these late payments were taken off of my XXXX report. These are affecting my other reports as well. I have been fighting this for some time now. If there is anything you can do to get this straightened out on all of my reports, just let me know. I appreciated any information or assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
This company is reporting an account that I have no knowledge of ; Not only that- Its passed SOL in the state of TX . This company is damaging my credit and I 've never received any kind of notice prior to this acct reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Numerous calls and letters have been sent and the response is a general letter informing of their practices .... recently inquiry items and an account WITH INCORRECT information were deleted from my report and reinserted without ANY NOTIFICATION .... this is in violation of my fair credit reporting rights ... I have sent letters to have them deleted and nothing has been done ... the account XXXX is reporting INACCURATE INFORMATION which in turn should be deleted for this reason as well as THESE INQUIRIES THAT WERE DELETED AND REINSERTED ... XXXX, XXXX, and both XXXX and these weee all deleted and reinserted with NO PRIOR COMMUNICATION TO DO SO

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 2016-07-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint because my requests have been ignored by Transunion. As my requests to be provided with documents that their company has on file that was used to authenticate and verify these accounts has been ignored, these accounts should be deleted immediately, under Section 611 ( 5 ) ( A ) ( i ) of the FCRA - " they are required to promptly delete all information which can not be verified with accuracy ''

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 non-monetary relief
Consumer complaint received 2015-08-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I do not owe XXXX XXXX {$500.00}. I would like to dispute this charge. I am wiling to settle the debt for less than that amount. I would settle for {$200.00} and a payment plan. Please let me know if you can help with this, thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
ON APPROXIMATELY XXXX/XXXX/XXXX I REQUESTED, THAT THE TRANS UNION CREDIT REPORTING BUREAU. COMMENSE AN INVESTIGATION, OF WHY MY THEN XXXX XXXX AND LATER. XXXX, ACTIVITY HAD NOT BEEN REPORTED BY THEM IN MY RECORDS. BY TRANS UNION CREDIT REPORTING BUREAU, SINCE XXXX/XXXX/XXXX. WHICH RESULTED IN MY TRANS UNION CREDIT BUREAU FICO SCORE BEING REDUCED BY APPROXIMATELY XXXX TO XXXX POINTS. OVER THE LAST EIGHT MONTHS, BY TRANS UNION. WHO, ONE OF THEIR AGENTS ALLEGED TO ME, VERBALLY VIA MY PHONE CALL TO TRANS UNION. THAT TRANS UNION CLAIMED TO HAVE LAUNCHED AN INVESTINGATION. THAT I REQUESTED OF THEM, TO ASCERTAIN WHY? MY XXXX REPORTS TO THEM HAD STOPPED SINCE XXXX/XXXX/XXXX TO TODAY XXXX/XXXX/XXXX AND COUNTING. THE TRANS UNION AGENT I SPOKE TO DURING THE MONTH OF XXXX XXXX. ALLEGED THAT TRANS UNION HAD TRIED TO CONTACT XXXX FOR UP TO 30 DAYS DURING THE MONTH OF XXXX XXXX TO NO AVAIL E.G., TRANS UNION ALLEGED THAT XXXX NEVER RESPONDED. DURING THEIR ALLEGED 30 DAYS OF TRYING TO CONTACT XXXX. HENCE, TRANS UNION ALLEGED THAT AS A RESULT OF XXXX RESPONDING TO ANY OF THEIR ALLEGED COMMINIQUES? THAT TRANS UNION WAS BY THEIR POLICY, HAD TO COMPLETELY DELETE MY XXXX AND LATER XXXX CREDIT ACTIVITY ACCOUNT. THE TRANS UNION AGENT WHO CONVEYED THIS IMFORMATION TO ME VIA MY PHONE CALL OF COMPLAINT TO THEM. I ASKED TO SEND ME ALL OF HIS ASSERTIONS. IN A LETTER DOCUMENTING ALL OF WHAT TRANS UNION ALLEGEDLY DONE? DURING THE INVESTIGATION, I ASKED THEM TO ACTIVATE ON MY BEHALF. AGAINST XXXX AND XXXX. FURTHERMORE, THE TRANS UNION AGENT IN QUESTION, SUGGESTED THAT I CONTACT XXXX AND ASKED THEM TO START. THEIR OWN INVESTIGATION ON MY COMPLAINTS. WHICH I DID, BUT XXXX HAS GIVEN ME. THE RUN AROUND, THEY 'VE BEEN DECEIPTFUL, MISLEADING, THEY 'VE IGNORED ME, AND BASICALLY HAVE ABANDONED ME. NOW, I STILL WANT TO SEE MY TRANS UNION RECORDS. TO SEE, IF IN FACT THEY DID LAUNCH AN INVESTIGATION ON XXXX? AND IF WHAT THE TRANS UNION AGENT TOLD ME ABOUT THEIR ALLEGATIONS. OF XXXX NOT RESPONDING TO THEIR TRANS UNION ALLEGED INVESTINGATION IS TRUE OR NOT? AFTER ALL, TRANS UNION NEVER, GAVE ME THE COURTESY OF A DETAILED LETTER. VERIFYING THEIR CLAIMS OF THE INVESTINGATION. I REQUESTED OF THEM TO FIND OUT WHY MY TRANS UNOIN CREDIT FICO SCORE. HAD DROPPED BY XXXX, XXXX, XXXX, XXXX POINTS OVER THE LAST SEVEN ALMOST EIGHT MONTHS? AND WHO WAS RESPONSIBLE FOR THE NON-REPORTING OF MY XXXX CREDIT ACTIVITY? WAS IT TRANS UNIONS FAULT OR XXXX FAULT? AND IF IN FACT THIS MATTER, IS TRANS UNIONS FAULT? I WANT THEM TO ISSUE ME AN APOLOGY, PLACE IN MY RECORDS THIS GRAVE ERROR OF THEIRS, AND RESTART TO CORRECTLY LIST MY CREDIT REPORTS CONSISTANTLY, AND ACCURATELY AGAIN IMMEDIATELY. AND TO SEND ME ALL OF THE DETAILED DOCUMENTATION OF THESE MATTERS, VIA U.S.P.S.

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 non-monetary relief
Consumer complaint received 2016-11-17 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have requested my credit report many times from TransUnion. I have sent them everything that they need but they refuse to update my address and send me my credit report. So I am writing this complaint in an effort to obtain my credit report.

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 non-monetary relief
Consumer complaint received 2016-07-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Pacific Union Financial, LLC
State: MO

Complaint narrative:
Mortgage subservicer ( Pacific Union Financial ) changed to another company ( XXXX dba XXXX ) and I only received a 3 day advance notice. As a result, I already scheduled the payment to Pacific Union and I might incur late charges trying to get the payment to the correct company. Is n't there some sort of standard notification when this happens?

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 2015-11-06 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 have NOT authorized any credit inquiries for several months yet there are XXXX new credit inquiries on my credit report. I dispute authorizing any credit inquiries

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion LLC Priority Department XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX TO WHOM IT MAY CONCERN : File # XXXX last XXXX # XXXX I am writing to Correct the wrong information put on my credit Report by XXXX XXXX and your TransUnion LLC Priority Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX for knowingly supplied this inaccurate information for over a Year on the credit file! 
This has seriously Damaged my credit File. I have Consider class action Law suit against the Credit Reporting Agency TransUnion. claimed that TransUnion violated the FCRA by the company TransUnion allegedly erroneous reporting of XXXX XXXX XXXX on credit file. 
On XXXX XXXX XXXX XXXX XXXX Replied with Higher amount owned which in fact its false information when the Car was voluntary repossession back in XXXX XXXX and the car was sold and the information on my credit report for the last 13 Month has been false and missleading to Future lenders for Loans applyied for! I have been asking for this to be Removed at once and blocked from Erroneous reporting by this Creditor! Today XXXX, XXXX XXXX I spoke with Supervisor XXXX XXXX and she stated that it was correct I asked her to give me the information to show how you did your investigation she stated it came back correct information. I told her I would file this Dispute and that I would take legal Action!

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 non-monetary relief
Consumer complaint received 2015-07-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
To whom it may concern, I am writing you in the hopes that you can help me remove an unwarranted item on all 3 bureau 's credit reports. Specifically, this involves the reporting XXXX mortgage payments. 
Please allow me to explain : I went through a divorce about XXXX years ago, at which time, I gave the title to our home to now my ex-wife. This was to keep the children in their home and minimize the disruption as much as possible. However, I was the sole person on the bank mortgage with XXXX Bank. Within the divorce decree I increase the necessary maintenance to my ex wife in order for her to be able to pay the mortgage and keep the house. Although I continued to send the necessary funds to her each month to cover that mortgage, she pocketed the money and did not pay. I asked my attorney if I could withhold those funds each month from her and pay the mortgage myself, at which time i was advised that it would be illegal to do so. So this went on for several months despite both my attorney and myself saying we would have to take this to court. After about XXXX months of non payment, we did take this to court in XXXX of 2012. She was found to be in contempt of court and ordered to bring the mortgage current within XXXX months and make the expected payments in the future. She ignored this court order and never paid a dime for the mortgage, despite my continuing to pay her the money to do so. This went on for a period of XXXX months until she put the house up for short sale. In the meantime my credit score continued to plument though no fault of my own. 
I brought this to all three credit reporting agencies including the supporting documentation from both the divorce decree and the contempt of court charge with reason listed from the courts. 
Despite the story description and the written proof which was provided, they have refused to remove it. 
It has been very difficult to manage things, including student loan co signing for my child 's college with this weighing me down. So I humbly ask you, can you please help me with this? 
I have provided the same written proof to you in the attachment below that I did to the credit agencies. 
If there is anything else you might need from me, please do n't hesitate to contact me. 
Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I HAVE SUBMITTED PROOF THAT A JUDGMENT AND A XXXX ACCOUNT APPEARING ON MY REPORT IS BEING REPORT INCORRECTLY AND AS OF TODAY THEY STILL SHOWING. HELP ME REMOVE THESE ACCOUNTS THANK YOU XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed the creditors information on my account, because the payment amount, balance, and last payment was reporting on trans-union incorrectly. Instead of receiving the information updated to show the correct terms of payment amount XXXX, balance XXXX, and last payment received XXXX/XXXX/16. Trans union took my auto loan off off my credit report and listed it as discharged CHXXXX BK. This account was reaffirmed in the CHXXXX, and has been reporting correctly until XXXX/XXXX/16 where it was wiped off my credit report completely. I have attached the credit report showing the error attached, and have also attached the Reaffirmation document for XXXX XXXX XXXX, showing the correct payment that it should be, my account is active and i am current. This also has caused my credit score to show that i have derogatory account on my name.

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 non-monetary relief