vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I purchased a car in XX/XX/XXXX for approx {$12000.00}. I have a loan through my bank, XXXX XXXX XXXX XXXX, and I have been making on time payments for two years. This is not reflecting on my credit report. I have dealt with my bank for the past 6 months, at which they are telling me it is out of their hands, and has to do with the Credit Bureaus. I contacted Equifax and I was told it was my banks fault. My bank tried contacting Equifiax, and they said they are unresponsive. I have worked very hard to have this loan and build credit. I have invested a lot of my time and energy into addressing this matter, and after a year of not getting anywhere I am now seeking other methods of help to get my loan to show on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ID Analytics, Inc.
State: AZ

Complaint narrative:
On X/X/17 I bought my lease out on my XXXX. The XXXX dealership apparently submitted my information to XXXX XXXX for a loan, who in turn, denied my loan because of a credit score which was XXXX from XXXX XXXX, a credit reporting company. This score does not match my score from XXXX which was XXXX, XXXX XXXX, at the same time and possibly XXXX. I am very concerned about the score which is being reported on my behalf from 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 2018-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have had continual problems with a XXXX XXXX credit card I am a co-signor on. I have filed numerous complaints over the last few years relating to the identical issues. 
1. XXXX XXXX reports inaccurate information 2. XXXX XXXX again has reported inaccurate information on my credit report 3. XXXX XXXX does not respond timely to my complaints 4. XXXX XXXX has admitted to errors in the past but still does not correct these errors 5. I have documents factual proof from past issues and this current problem Current and newest problem : Requesting an EXPEDITED Resolution for the following reasons : -XXXX XXXX has reported a credit card in my name as ( 30 ) days Late for XXXX XXXX - I have irrefutable proof XXXX XXXX reported the above account as late inaccurately attached is a copy of my XXXX credit report from XX/XX/XXXX and a copy of my XXXX XXXX statement dated XX/XX/XXXX showing a balance of {$120.00} and paid on time, NOT {$4700.00} - XXXX XXXX event reports the date of last update as XX/XX/XXXX THIS IS MORE PROOF OF XXXX XXXX CONTINUALLY MAKING ERRORS

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 2018-01-04 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: MI

Complaint narrative:
I have had continual problems with a XXXX XXXX credit card I am a co-signor on. I have filed numerous complaints over the last few years relating to the identical issues. 
1. XXXX XXXX reports inaccurate information 2. XXXX XXXX again has reported inaccurate information on my credit report 3. XXXX XXXX does not respond timely to my complaints 4. XXXX XXXX has admitted to errors in the past but still does not correct these errors 5. I have documents factual proof from past issues and this current problem Current and newest problem : Requesting an EXPEDITED Resolution for the following reasons : -XXXX XXXX has reported a credit card in my name as ( 30 ) days Late for XX/XX/XXXX - I have irrefutable proof XXXX XXXX reported the above account as late inaccurately attached is a copy of my XXXX credit report from XX/XX/XXXX and a copy of my XXXX XXXX statement dated XX/XX/XXXX showing a balance of {$120.00} and paid on time, NOT {$4700.00} - XX/XX/XXXX event reports the date of last update as XX/XX/XXXX THIS IS MORE PROOF OF XXXX XXXX CONTINUALLY MAKING ERRORS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The Account from XXXX XXXX XXXX should not be listed on my credit report. The account was listed without validating the account. I filed a dispute with transunion in which they have not responded. The xomoany itself admitted to not be able to verify the debt. Transunion is still listing this debt on my report. The company also admitted in their complaint with the CFPB that they were wrong and they will have the debt removed. However transunion is still listing the debt. I am working with an attorney in regards to my credit report and wrong reported information.

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 2018-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I purchased a car in XXXX 2015 for approx {$12000.00}. I have a loan through my bank, XXXX XXXX XXXX XXXX, and I have been making on time payments for two years. This is not reflecting on my credit report. I have dealt with my bank for the past 6 months, at which they are telling me it is out of their hands, and has to do with the Credit Bureaus. I contacted XXXX and I was told it was my banks fault. My bank tried contacting XXXX, and they said they are unresponsive. I have worked very hard to have this loan and build credit. I have invested a lot of my time and energy into addressing this matter, and after a year of not getting anywhere I am now seeking other methods of help to get my loan to show on 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 explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I purchased a car in XXXX 2015 for approx {$12000.00}. I have a loan through my bank, XXXX XXXX XXXX XXXX, and I have been making on time payments for two years. This is not reflecting on my credit report. I have dealt with my bank for the past 6 months, at which they are telling me it is out of their hands, and has to do with the Credit Bureaus. I contacted XXXX and I was told it was my banks fault. My bank tried contacting XXXX, and they said they are unresponsive. I have worked very hard to have this loan and build credit. I have invested a lot of my time and energy into addressing this matter, and after a year of not getting anywhere I am now seeking other methods of help to get my loan to show on 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 explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ASSURANCE FINANCIAL GROUP, LLC
State: GA

Complaint narrative:
I live in the City of XXXX, in XXXX County. As widely publicized in XXXX, our property tax bills were delayed due to disputes over the tax digest used. New revised bills were issued on XXXX/XXXX/XXXX. I contacted my mortgage company, Assurance Financial, the week of XXXX XXXX to make sure they had received the revised bill. They had not and at that time I sent them a copy with pleadings that they make sure my bills were paid on time. I noticed on XXXX/XXXX/XXXX, that my escrow account had been debited for my County taxes which were not officially due until XXXX/XXXX/XXXX. I reached back out to Assurance and stressed that I wanted to be sure the City taxes due XXXX/XXXX/XXXX were paid. The customer service representative assured me they would be paid one time, but my escrow summary did not reflect any taxes being due, which I kept telling the representative. The escrow department at Assurance seemed to have no knowledge of GA mortgage laws as they insisted the taxes had been paid at closing, which I knew to be untrue. I reached out again the following week when I still saw no changes to my escrow account. Again, I was reassured that the payment would be made on time. One XXXX XXXX, I checked my account and noticed the payment still had not been issued and the funds were still in my escrow account. I attempted to call only to learn the company closed that week! I sent a message via their secure message center stressing the urgency that my bill must be paid that week or be delinquent with interest and penalties. I never heard back from the company. I called on XXXX/XXXX/XXXX after the payment still had not been made. I spoke with a manager who assured me they  were " researching '' my issue. I sent him ANOTHER copy of the bill and asked that these taxes be paid immediately as my escrow had more than adequate funds and the taxes were now past due. I was assured someone would call me back within 24 hours and I 've yet to hear from anyone and my account reflects no changes. This also will cause me to miss out on my mortgage tax benefit which I really needed this year.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: VW Credit
State: PA

Complaint narrative:
I have had repeated problems with Volkswagen processing my state registration and XXXX personal property tax payments. In the past, I have submitted a complaint to the CFPB about Volkswagen 's unfair practices with respect to collecting and remitting personal property tax payments. 

I moved to XXXX XXXX from XXXX XXXX in XXXX. I registered my leased VW in XXXX  effective XX/XX/XXXX. VW charged me around {$50.00} to process my title paperwork. They did not disclose these fees to me. They simply tacked them on to my next month 's statement. Given that they charged me to process my paperwork, they should know that my car is registered in XXXX. 

Despite the fact that my car was registered in Pennsylvania, VW paid my XXXXXXXX XXXX personal property tax through XX/XX/XXXX. This means they overpaid my property tax by over 6 months. I was charged an additional {$530.00} on my XX/XX/XXXX statement for the Property/Excise tax. Because I am registered in auto-payments, this amount ( in addition ) to my monthly payment was sucked out of my account on my normal payment date. VW should have realized based on processing my title work that my car was not garaged in XXXX or registered in XXXX from XX/XX/XXXX to XX/XX/XXXX. As a result, I was overbilled by roughly {$300.00}. 

When I contacted VW, their customer service agent confirmed that my personal property tax was paid through XX/XX/XXXX. When I told her that I no longer lived in XXXX and had not for over half the year, she told me that I had to submit a registration card to prove that I no longer lived in XXXX. It is UNFAIR and DECEPTIVE for VW to charge me me when they knew I did not live in XXXX Additionally, it 's UNFAIR that as a consumer that I need to proactively contact VW to tell them that they overbilled me. They should have contacted me and told me to submit a proof of registration if they needed one prior to processing my personal property tax payment. It 's DECEPTIVE because they do n't tell you how to recover your money after they overcharge you until contact them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: AL

Complaint narrative:
For the past week I have tried repeatedly to " verify my identity '' with Coinbase so that I can use the funds I deposited in my Coinbase account. Even though they have already verified my identity once, they refuse to do so again, therefore my money is just sitting in my Coinbase account, and I ca n't use it. There is no phone number, email, or mailing address to get in touch with anyone from Coinbase to resolve this issue. I do n't know what else to do except to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
on Saturday XX/XX/XXXX I received an E-mail from Navy Federal stating "Member to Member" access was successful to a person named XXXX XXXX XXXX a person I'm not familiar with. I immediately contacted Navy Federal and told them this was unauthorized and the transfer was unauthorized too.......The representative changed all of my accounts restricted my online access. I was told nothing more could be done due to the fact this was during the holidays and the fraud department was closed and I needed to visit the local branch on Tuesday XX/XX/XXXX....I went to my local Navy Federal bank of which I was then informed I could not file a fraud claim until Wednesday because the transaction was currently "Still Pending" and there was still a possibility the transaction could be denied and my funds could be returned... needless to say the transaction was posted on Wednesday....I immediately called Navy Federal and reported my claim to their fraud department...The representative suggested that I file a police report...of which i immediately did....I needed some other information from Navy Federal so I went to my local Navy Federal and the young lady told me I should have half of my money by the end of the day or two....so I called Navy Federal today the representative informed me they HAVE NOT turned my case to a fraud investigator and they DO NOT give credit in "These Types Of Cases" and it will take up to 10 days to "Investigate" and if it is "Approved" they will give me my money back.... My issue with isA: THIS IS NAVY FEDERAL'S FAULT; because it happened "Internally" a member of THEIR institution stole my money and transferred My money from my Navy Federal account to their Navy Federal accountB:I INFORMED NAVY FEDERAL as soon as the issue was brought to my attention and I have FULLY cooperated with them and they allowed the member to keep my funds in spite of them having knowledge the transaction was fraudC: THE LACK OF URGENCY when it comes to my account being hacked and the LACK OF CONCERN with the fact that I DO NOT HAVE ANY MONEY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: AZ

Complaint narrative:
I was the victim of identity theft on XXXX XXXX, XXXX when someone used my personal information to purchase devices and services from XXXX XXXX online. Since I am not a XXXX customer and never received any bill in the mail I did n't find out about the fraudulent charges until it appeared on my credit report a year later. As soon as I found out, I contacted XXXX Fraud, filed a police report, and submitted the necessary paperwork to the tree credit bureaus. On XXXX XXXX, XXXX XXXX Fraud sent me an email stating that after their investigation they determined that I am not liable for the fraudulent charges. However, two weeks later I started receiving phone calls and a letter in the mail from XXXX XXXX, a collection agency form XXXX, TX. When I talked to them on the phone and explained that the case had been closed, they said that XXXX had just submitted the claim for collection on XXXX XXXX, XXXX, which obviously makes no sense. So, it appears that XXXX is trying to make money by illegally pursuing a non-existent claim. They also added a " collection fee '' of {$150.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: TX

Complaint narrative:
ERC had been contacted along with their client, numerous times by me in attempt to resolve this issue but have been ignored and this false negative report is and has prevented me from getting the needed score to obtain loans for my business, which is and has been leading to ongoing losses in my business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I closed my charge card with American Express ( here refer to as " XXXX ) within the 30 days time frame but XXXX failed to refund the annual fee to me. XXXX 's refund policy states as follows : " If an Annual Membership fee applies, we will refund this fee if you notify us that you are voluntarily closing your Account within 30 days of the Closing Date of the billing statement on which that fee appears. ". 

XXXX charged me {$550.00} annual fee on XXXX/XXXX/XXXX and I closed my account on XXXX/XXXX/XXXX, which is within the 30 days time frame. I called XXXX customer service four times regarding this refund. Every single time the representative told me that they will take care of it and the refund should be credited to my account within 48 hours. Unfortunately, I have not received any refund. I am asking CFPB to look into it and see what you can do to help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I currently have four debts showing in my Equifax Credit Report. All which have been addressed. I have called the creditors on them and the creditors have advised the following : XXXX XXXX XXXX ( XXXX ) - Balance {$210.00} XXXX has advised that the account does not belong to me. That this is for an individual with the same name and same prior address which indicates that it may belong to a parent because we have the same name. They have advised that this has been reported to the credit bureau. I 've submitted multiple disputes to Equifax and this continues to be in my credit report. 

XXXX XXXX XXXX ( XXXX ) - Balance {$330.00} Same as above XXXX XXXX XXXX - Balance {$190.00} I 've taken the same action as noted above with XXXX and concluded in the same with XXXX. Again I 've submitted multiple disputes and this continues to be in my credit report with Equifax. XXXX XXXX has also advised that they have reported to Equifax of the same. 

XXXX XXXX XXXX ( XXXX ) - Balance {$330.00} Same as noted above for the previous two XXXX records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
I opened an Essential Checking account at Fifth Third bank in XXXX, NC on XX/XX/XXXX There is promotion associated with this account. The detail of the promotion is in the attached file. After meeting all the requirements. I did not receive any promised bonus. I made $XXXX initial deposit on XX/XX/XXXX, and then I transferred $XXXX from other account to this account onXX/XX/XXXXXX/XX/XXXX After that I moved $XXXX out of this account on XX/XX/XXXX. On XX/XX/XXXX, I received $XXXX direct deposit and I kept the account balance above $500 for more than 60 days. I have contacted the bank 3 times,XX/XX/XXXX andXX/XX/XXXX but the problem was not solved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: RI

Complaint narrative:
I 've received a notice on my credit report that I 'm 60 days past due on a GM Financial Account. I have never missed a payment ever, and I am not late. This is incorrect. I spoke to a customer service rep 3 weeks ago about this and was told that my account is 100 % paid in full, {$0.00} balance. I need this corrected. If this prevents me from obtaining credit due to their false reporting, I will hire an attorney and seek the maximum amount possible due to the false reporting & statements made by their customer service employees by GM Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HOME FINANCE OF AMERICA
State: OH

Complaint narrative:
We contracted with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX on XX/XX/XXXX to update our kitchen. We financed the {$3000.00} with XXXX with 12 months same as cash. After several months, and numerous phone calls from us, nothing had been started. We call and visit XXXX often and continue to get different stories every day. They do not return calls. We got the floor installed and then again nothing. We started a dispute with XXXX XXXX XXXX in XX/XX/XXXX. We sent a letter explaining our dispute with XXXX and the project that was not received. We provided pictures of our unfinished kitchen. XXXX sent a two sentence letter stating that they thought the customer was " happy '' with the project. XXXX XXXX XXXX. sided with XXXX. From that XX/XX/XXXX letter until today we are receiving collecting calls from XXXX. We have called XXXX several times trying to escalate the dispute higher. I was told that XXXX had already paid XXXX the total amount and now it is our responsibility to pay The dispute should be between us and XXXX.

Company response to consumer: Untimely response