vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I previously filed a complaint, and the company responded and said they had no information about me on the file. They could n't provide my name, phone number, etc. I provided them with information on myself  XXXX / XXXX / 17 . That is the only way they currently have my information. The company reported it as a late payment, which impacted my credit score, even thouygh they claim to have no information about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I disputed the tax liens that 's on my file on  3  different occasions as being incorrect asking for verification and validation. Equifax told me to contact the court house whom responded with a letter stating they do n't report to the credit bureaus. I sent a certified copy to Equifax and  XXXX  with a redispute, they responded with i need to contact the IRS. After contacting the IRS their response was the information is incorrect and they do n't report to the credit bureaus. Once again i sent a certified letter to the bureaus with the IRS response and ask that since they have not sent me any type of verification or validation to please delete the information from my file.  XXXX  have not responded ( even though its been over 30 days  )  and Equifax stated that they recieved the information from  XXXX   XXXX . At this point I feel as though i 'm getting the run around and nothing is being done. It 's very frustrating and stressful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
My problem is best described by 3 things. High-pressure sales tactics, problem with additional add-on products or services purchased with the loan, and changes in terms mid-deal. I was misled into a different and unfavorable loan by deceit and high-pressure sales, mid-transaction. I purchased a certified pre-owned XXXX from XXXX XXXX on XX/XX/17.  The dealership is located in XXXX XXXX, FL and I reside a 4 hour drive away so the deal was negotiated via phone and email prior to XXXX. I was approved for a 60 month loan with an interest rate of 1.9 %. When I went to sign the loan paperwork, the finance manager began up-selling me several different warranties. His misleading statements affected my decisions and have a material impact that will cost me an additional {$1700.00} in interest. I assume these UDAAP violations are a result of his desire to make a commission. This finance manager greatly overstated the cost of future maintenance and tires, quoting them at {$600.00} per tire and {$1900.00} for a brake job. He pressured me into the add-on warranties and policies of 1 ) maintenance for {$2400.00}. 2 ) Wheel/ tire for {$1400.00}. 3 ) Protector policy for {$590.00} and 4 ) dent wizard for {$980.00}. He up sold me for a total of {$5400.00} which he added to the loan amount. Because of this additional and unneeded expense, he suggested we modify the loan to 72 months which had a higher interest rate of 2.9 % to keep my monthly payment lower. I agreed because I wanted the more manageable payment. Once I arrived home, I began looking through my paperwork and discovered that I was never provided a copy of the maintenance policy. I contacted my salesman who emailed the policy to me. I also researched the maintenance/ service expenses and found the quotes I was given to be extremely overstated! Within 3 business days of my purchase, I contacted the finance manager to cancel these add-on warranties. He stated that they were non-refundable which I later learned was untrue. Not satisfied with my dealings with the finance officer, I contacted the Finance Director at XXXX XXXX. He was able to cancel the warranties and said a refund check will be sent which I am yet to receive. I asked him if we could apply those funds back to the loan and modify the loan back to 5 years at 1.9 %. I was told the loan was already funded and it was too late to make modifications. This finance manager, who works on commission, lied to me affecting my decisions and it will cost me {$1700.00}. I need this loan modified back to the original agreement please.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I took out a few cash advances about 5 years ago and paid them right back with in days. I used the cash advance to assist my sister in her new business, to meet payroll. She gave me the money right back and I put it back to the credit card and told them it was a cash advance payback. How are they still able to charge me interest on those advances, to the tune of {$67.00} a month for the past five or m ore years?      XXXX   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 2017-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
After pulling credit with a mortgage lender to buy a home we viewed a collection account from Portfolio Recovery for {$970.00} ( Reported by XXXX ). This account was a charged off by XXXX XXXX. ( Reported by XXXX ) meaning it was a tax write off for XXXX. I am disputing this account with XXXX to have Portfolio Recovery remove this trade line. XXXX is " double dipping '' by getting a {$970.00} tax write off then selling the debt to Portfolio Recovery for a profit. I would like Portfolio Recovery to remove this trade line. Consumers are being over charged for debt they do not owe. An investigation of these accounts regarding amounts owed need to be analyzed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Colony Brands, Inc.
State: OH

Complaint narrative:
I sent several letters starting  XXXX   XXXX ,  2017  asking company to please verify that this account belongs to me. I asked them to send me verification in the form of my signature on any forms that I was told that made this account mine.     I received a letter back were company called my request frivolous and refused to cooperate.

Company response to consumer: Untimely response
Consumer complaint received 2017-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
We are processing a short sale wit h Capital One.  Our first submission was   XXXX   XXXX   and we took this file over from a different short sale attorney. Their first submission was   XXXX   XXXX  . To date they have rejected our offers 3 times, indicating the needed a " higher offer. '' Our first offer was {$140000.00}, the second was {$140000.00}, and the third offer was {$150000.00}. Adding further insult to injury, each time they have rejected our offers I have specifically asked them what purchase price or net amount they need to process the short sale. Each time they have indicated they do not provide an amount of a purchase price or net required to process a short sale.     On   XXXX   XXXX   XXXX  , I spoke with our client who received a call form  Capital O  ne i ndicating they needed to list the property for sale for an additional 15 days. I contacte d Capital One  to inquire about this requirement. I spoke with  XXXX   I  asked her about request and weather we could waive it since it 's been listed for almost a year. I was transferred to  3  different people, and finally got to speak with  XXXX , our short sale rep. and ordered the appraisal with our realtor. He said the same thing they all have said. " That 's just the process. '' I informed them it 's not an appropriate way to do business. It 's not operating in good faith with our buyers. I told them I would be filing a CFPB complaint and she asked if I would like to speak with the office of the President, I said yes. She came back on the line and said  XXXX  from ethics team will assist me and hung-up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My  Auto note i s {$350.00} a month with the payments being divided between my  XXXX  paychecks and rendered before or on the  XXXX  of each month. Supposedly in  XXXX   2014 , the second half of my payment was {$10.00} short and my account has been notated as 30 days late on my credit bureaus ever since. My payment is due on the  XXXX  but they tell me that they need to post it on the  XXXX . Makes no since. Either the  XXXX  ( according to my paperwork ) is the due date or it is n't.

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 2017-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My  Auto n ote is {$350.00} a month with the payments being divided between my  XXXX  paychecks and rendered before or on the  XXXX  of each month. Supposedly in  XXXX   2014 , the second half of my payment was {$10.00} short and my account has been notated as 30 days late on my credit bureaus ever since. My payment is due on the  XXXX  but they tell me that they need to post it on the  XXXX . Makes no since. Either the  XXXX  ( according to my paperwork ) is the due date or it is n't.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
NEW CASE, NEW TRANSACTION Missing refund on  X/XX/2017    from  XXXX  for  XXXX  Fraud department now lying and saying I can not submit a claim/dispute. All I want to do is close my account.     They took literally over a month to credit my last missing refunds. Now we are starting again.     The contact from  SunTrust  assigned to me for my last cfpb complaint refused to speak to me and told me she would call me when she would call me and had n't even looked at my case. Essentially, do not call 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 with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: DataMax Corporation
State: NC

Complaint narrative:
I have a collection on my credit report for {$51.00} from Datamax / Interstate Credit Collections. When I called about the bill I spoke with XXXX and she informed me that it was my name on the account and called out my social security number to me. She also said that is was a joint account with XXXX XXXX and gave me the forwarding address where the bills were sent. I informed her that I 've never lived in XXXX and she once again confirmed she had my full name and social security number for this bill. I called XXXX XXXX and also spoke with a XXXX. She was unable to pull up an account with my name or social security number. I told her the amount and that Datamax said it was a joint account with XXXX XXXX. XXXX found the account in question but said it was under XXXX XXXX and XXXX XXXX and that my social security number was n't on the account. My social security number was n't in their system and she did n't know how it got connected to this account. XXXX XXXX states that they do not have my information on file ( full name or social security number ) and that was n't the information give to Datamax. Datamax states that they only use information from the client. Somewhere in the process there is a discrepancy in correct and honest information. Since NC is a one-party state all calls to Datamax and the XXXX XXXX were recorded and as a courtesy I let the other party know it was being recorded. This mistake needs to be removed from my credit report asap because I 'm in the process of buying a car. However, my biggest concerns are 1 ) how did they get my social security number 2 ) how can this be reported on my credit report when the names on the bill in question are n't mine? If you take the first name of the female and last name of the male you have my name and I live in the same county as XXXX XXXX and XXXX XXXX. Assuming that couple got married she would have my first and last name but not my social security number. HAVING ACCESS TO MY SOCIAL SECURITY NUMBER IS MY BIGGEST CONCERN. Datamax / Interstate Credit Collections XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX 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 2017-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: KEYCORP
State: OH

Complaint narrative:
A {$110.00} on line bill payment was made to  XXXX  automobile policy  XXXX   XXXX   XXXX   XXXX  on  XXXX / XXXX / 2017  via m y KeyBank DDA   XXXX . The payment never found its way to the account at  XXXX .     After  KeyBank  provided a proof of payment that was faxed to  XXXX  in early  XXXX   2017 ,  XXXX  confirmed that the funds were located and that they would refund the {$110.00} back to me. I have yet to receive the funds and neither  XXXX  or  Key have b een of any assistance with location of those funds.  XXXX  advises that the funds were sent back to the bill pay er 3 - 5 da ys after a discussion on  XXXX .     Please help with locating funds and routing to  my KeyBank  DDA  XXXX .     Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I disputed the tax liens that 's on my file on  XXXX  different occasions as being incorrect asking for verification and validation.  XXXX  told me to contact the court house whom responded with a letter stating they do n't report to the credit bureaus. I sent a certified copy to  XXXX  and  Transuinon  with a redispute, they responded with i need to contact the IRS. After contacting the IRS their response was the information is incorrect and they do n't report to the credit bureaus. Once again i sent a certified letter to the bureaus with the IRS response and ask that since they have not sent me any type of verification or validation to please delete the information from my file. Transunion have not responded ( even though its been over 30 days  ) a nd   XXXX    stated that they recieved the information from  XXXX   XXXX . At this point I feel as though i 'm getting the run around and nothing is being done. It 's very frustrating and stressful.

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 2017-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK
State: MI

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due  XXXX ,  XXXX , 60 days  XXXX  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.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
RE : A ccount Numbers -  XXXX  -  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , MI  XXXX  phone -  XXXX  email -  XXXX  XXXX  XXXX  My mother,  XXXX   XXXX   XXXX , had a mortgage that was held by CitiMortgage. She held that mortgage as an individual, it originated  XXXX . My mother passed away  XXXX   XXXX ,   XXXX  . I informed CitiMortgage of my mother 's death and sent the death certificate. My mother did not have a will nor did she has any assets. I received a mortgage statement from CitiMortgage the following month with my name  (   XXXX   XXXX   )  and my sister 's n ame (   XXXX   XXXX  ) listed on the mortgage. I contacted CitiMortgage and they stated they put our name on the mortgage now that my mother had passed away. I explained to them they can just add someone else to a mortgage, we had nothing to do with my mother 's home. They reviewed the closing documents and discovered neither myself or my sister had signed any documents. They faxed me copies of the documents on  XXXX   XXXX ,   XXXX  . It appears my mother listed our names on the loan application under the title without our knowledge. They stated they would remove our names. We did n't receive any further statements from them. I did not nor did I ever live in my mother 's house. I did not obtain her house after her passing nor did I benefit from her home. Neither did my sister. I assumed everything had been corrected. I obtained a recent credit report which is listing  CitiMortgage with more than 17 late payments adversely affecting my credit report. Even though the y stated they removed my name from the mortgage they continued to report negatively on my credit for an additional 4 years.

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 2017-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom this  may  concern I 've faxed and emailed Equifax regarding my correct name on my credit report on  XXXX   XXXX ,    2017  also  XXXX   XXXX ,  2017  also  XXXX   XXXX ,  2017 . Included with the fax and certified mail to Equifax was a copy of my Identification and Social Security Card. Every month Equifax updates my name as  XXXX   XXXX   XXXX   XXXX . I have no  XXXX  on my name I 'm a Woman. This error is coming from a old debt collector which is  XXXX . I 've called  XXXX  and they always disconnect the line.  XXXX  is listing inaccurate information on my credit report its stating a charge off and the old account has been transferred to  XXXX  and paid and  XXXX  was the original creditor and they havent changed the information on my credit file. They are reporting my name wrong also to Equifax as  XXXX   XXXX   XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am a victim of identity theft a nd National Credit System is tryin g to collect on the debt below that is not mine. I have asked that the debt be validated per the Fair Deb t Collection Act t wice via certified mail with no respons e. National Credit System c an not provide my signature for this debt as afforded by federal law per the Fair Debt Collectio n Act. National Credit Systems   XXXX   XXXX   XXXX   XXXX , Georgia  XXXX  RE : Account #  XXXX /Balance : {$220.00} /Original Creditor :  XXXX  on  XXXX   .       National Credit Systems  has failed to provide the following information needed to validate this debt : Proof I agreed to this debt with my sig nature ( s ) Proof the amount you are claiming is correct and legal, which will require all statements and payment history from the original creditor Proof this account is within the Statute of Limitations and has not expired Proof you are the owner of this account, which will require the contract and terms between you and the origin al creditor Proof you are legally licensed ( b onded and insured if applicable ) to collect this debt in my state For verification purposes, I will need your business license number ( s ) If signatures showing where I agreed to this debt can not be provided, I am not liable for this debt and this information should be removed from my credit profile immediately. If National Credit Systems can not comply with federal law, I will have to contact my state attorney general with all co rrespondence.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I disputed an entry on credit report from  XXXX   XXXX . It came back verified even though I uploaded the receipt from the original creditor showing the {$190.00} itemized and paid. I also uploaded a copy of my CC statement to support the receipt. I then requested the method of verification Equifax used, and they have failed to respond even though it has been longer than the 15 days required by law in violation of FC RA 611.  I 've also spoken to the original creditor, including  XXXX  in accounting at the corporate office and  XXXX  at the same office who indicated there was no balance to pay.

Company response to consumer: Closed with explanation