vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XXXX XXXX, XXXX I purchased some tickets through XXXX for a show on XXXX XXXX, XXXX for {$300.00}. Due to medical circumstances I could not attend the show for which I purchased tickets and insurance. 

XXXX ticket company did not fulfill their obligations by forwarding the purchased insurance from XXXX XXXX XXXX. XXXX has not responded to numerous e-mails and phone calls. XXXX sent 9 pages of unreadable screen captures as their response to Capital One. 
No one at Capital One could read XXXX 's response. Not even Capital One 's " supervisor. '' XXXX claims ignorance. Six months later on XXXX XXXX, XXXX sends me an insurance policy that says the claim would need to be filed before the show took place in XXXX XXXX. 

Capital One resolved a dispute in a AXS 's favor even though the vendor did not provide a legible response. They did not contact me to let me know they had decided an outcome. They could not give me a reason why the dispute was decided the way it was. I 'm stuck in the middle three different XXXX dollar corporations that have my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I called to have my PMI removed. I fully understand what PMI is and the requirements for removal. There have been 2 homes sold in the past couple months that place my home value high enough to have my PMI removed. When I asked to start the process, they told me documents have to be mailed. I asked for them to be emailed, they would not. The reason for this complaint is simple, removing PMI should not be complicated etc. Wells Fargo needs to do all they can to ensure it is easy to have PMI removed when the requirements are met

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 2017-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have been fighting for some time since my identity was stolen and now being apart of the XXXX Data breach of information, i still continue to have to have fight to clean up bogus and inaccurate information. Although the FCRA says that they can not report this information I can not get any help concerning these accounts. I have 2 XXXX, XXXX which I keep telling the credit reporting companies that are not mine and not accurate and the information can not be report on the credit report if it is not correct or if it is not mine. XXXX finally fixed my problem today after properly researching yet Transunion and XXXX refuse.

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 2017-10-24 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I contacted XXXX XXXX On XX/XX/XXXX after seeing an outstanding balance on my credit report. After paying in full I was told that the item would be deleted. It still appears on my report today and I have requested multiple times that it be removed as soon as possible.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
There was an account opened in my name due to identity theft. I contacted XXXX XXXX to dispute this account and provided police reports to validate that this is not my account. The company refuses to properly investigate the matter and remove this item from my profile. I also contacted Equifax to dispute this account as fraud and they are not properly investigating either. I need Equifax to properly investigate this matter and pull the records of this account so that they can see it was disputed with a valid police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Due to the recent breach my husband & I placed a freeze on our credit. No issues and easy to do. On XXXX XXXX, XXXX we decided we wanted to purchase a new car. The finance company we were applying with uses XXXX so that is the one we needed to place a lift with. XXXX has an option for temporary lifts. One is called a Selective lift and the other one is a Global. After reading the definition of each we chose the Selective lift, which allows only those creditors we give the access code to, to be able to view our credit file. Each lift is {$5.00} each time you place one. Now we give the motor finance company this access code only to be told they can not view our credit with that type of lift. We then have to go back into our TransUnion account on XXXX XXXX, XXXX and place the global lift. This too cost another {$5.00} each. They viewed our reports and all went well. On XXXX XXXX, XXXX I contacted TransUnion to see if they would credit back the {$5.00} for each myself and my husband for the Selective lift that does not work. After much frustration with the customer service representative I asked if I could please speak to a supervisor. He transferred me to his supervisor. However, that too was a waste of time. I explained the selective lift does not work. This is when I am told it only works with creditors who have the special software that can allow them to input the access code. I asked over and over again why is that information not included on the website where the definition of each type of lift is explained? I received no answer. I asked how would the consumer know about this when they are making the choice of which type of lift? I received no answer. I read her exactly what it says which is this " An access code is a code generated by the website when you create a selective lift. ANYONE with the provided access code can use that code to access your TransUnion CreditReport for the specified time period. '' I then told her since no where on the website does it mention anything about special software. I asked for the {$5.00} each credit to be told no.

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 monetary relief
Consumer complaint received 2017-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY

Complaint narrative:
On XXXX/XXXX/XXXX I paid XXXX, via USAA certified check, {$1300.00} to close my automobile loan account # XXXX. On XXXX/XXXX/XXXX, a recurring withdrawal in the amount of {$240.00} was debited from my account and posted to my 'closed ' XXXX account. On XXXX/XXXX/XXXX, USAA credited my checking account {$240.00}, pending investigation. On XXXX/XXXX/XXXX, USAA reversed the credit to my checking account. When I inquired I was told by a USAA customer service representative that a representative from XXXX confirmed the charge as valid. Since, XXXX/XXXX/XXXX, I 've spent hours on the phone with USAA and XXXX to correct this situation to no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXX XXXX, I sent an investigation request to Equifax, XXXX, and XXXX XXXX. I am attaching a copy of the request I mailed in. As of today, only XXXX has responded. I was supposed to get a response by XXXX, and we 're almost through XXXX now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES
State: DC

Complaint narrative:
I attended this school unaware of accreditation and was making payments and found out the school had lost accreditation in 2002

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 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: NC

Complaint narrative:
I have been fighting for some time since my identity was stolen and now being apart of the Equifax Data breach of information, i still continue to have to have fight to clean up bogus and inaccurate information. Although the FCRA says that they can not report this information I can not get any help concerning these accounts. I have 2 XXXX, XXXX which I keep telling the credit reporting companies that are not mine and not accurate and the information can not be report on the credit report if it is not correct or if it is not mine. XXXX finally fixed my problem today after properly researching yet XXXX  and Equifax refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC
State: NH

Complaint narrative:
I apologize in advance for the tone of this email, but it 's frustrating to have had my mortgage sold to a company that is unresponsive and seemingly disinterested. 

Early in XXXX I switched my home insurance companies and began paying through payroll deduction. I informed the mortgage company ( XXXX XXXX, XXXX ) ahead of time of the switch, which they never processed. I received in the mail a warning that my insurance expired and Stearns was purchasing a more expensive plan for me. I called to resolved and remind them of the change, which seemed to resolve the issue. A few weeks later I saw a payment from escrow for the full annual payment for the new insurance policy. I emailed and called to attempt to resolve, with no luck via either route. I have since been paying a higher monthly mortgage payment due to the still included escrow amount for insurance, as well as paying for the insurance via payroll deduction. I have now been receiving refund checks from my insurer for over-payment and my attempts to contact Stearns are ignored - i.e. my emails are " acknowledged '' but never replied to and I have not received a call from the company. I refuse to call again after being " transferred '' back to the auto-prompt multiple times. My calls literally go back to square one. 

Below is part of the email chain ( redacted ) I have ( a one-sided " conversation '' ) where I explain the issue as I did over the phone and suggest what actions need to be taken to resolve the problem. This has worked as well as calling the company ( i.e. It does n't ). 
" I emailed you multiple times over the past month to update my insurance and escrow. It 's finally recorded with you, but the monthly payment on my escrow has not been updated yet and you paid my home insurance in full from my escrow when I told you in each of my emails that it is now paid through payroll deduction on my end. Please recall the $ XXXX you paid to XXXX XXXX on XXXX/XXXX/XXXX, adjust my monthly escrow payment to reflect the fact that I now pay home insurance through payroll deduction, and recalculate what is needed to be kept in escrow. Please call me to confirm what work has been performed on your end when this is resolved. '' ( redacted prior email ) " After multiple email tickets over the past few months with no success, I just spent an hour on hold, being transferred, and hung up on multiple times via the number provided here. If I can not get assistance via email or phone, I 'm not really sure what I need to do to get assistance. If you have any questions, and because calling or emailing you had been fruitless in numerous attempts, please call me if you have any questions or need to speak with me to address the above. ''

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 2017-10-24 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XXXX XXXX, I sent an investigation request to XXXX, XXXX, and XXXX XXXX. I am attaching a copy of the request I mailed in. As of today, only XXXX has responded. I was supposed to get a response by XXXX, and we 're almost through XXXX now.

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 2017-10-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I signed a lease with BMW Financial Services for a new XXXX and elected to take delivery in XXXX at the factory under their XXXX Delivery Program on XXXX XXXX, XXXX. When I signed the lease forms on XXXX XXXX, XXXX I was asked to make the initial `` drive off '' payment ... however there was no car. We picked up the car in XXXX on XXXX XXXX as planned, drove the car for 10 days and it is now in transit back to the U.S. for delivery approx. XXXX XXXX, XXXX. Payments have been due on the XXXX of each month since XXXX XXXX. The payment on XXXX XXXX was credited by BMW, however, the payment due XXXX XXXX I am told I must sill pay even though I will likely not have the vehicle until the XXXX payment is due. If the car arrives and is re-delivered on XXXX XXXX I will have paid for 60 days of lease yet only have 10 days on driving. Normally, if I had taken delivery in the U.S. at the dealer, I would have taken delivery, made the `` drive off '' payment and actually driven off with the car. I would have gotten full value for the lease. When the XXXX delivery option was described to me, the worst case seemed to be that I would pay one month of lease for 10 days on driving and not have any other loss of use penalties. However, this is not the case and I would appreciate assistance in getting credit for at least one additional month of the lease. 

Also, BMW Financial Services was sloppy in how they have handled my billing statements by not crediting the one month that they did in time to not trigger additional fees and penalties. After a call from me it was corrected but it should never have happened that way.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX. 
XXXX XXXX, XXXX {$750.00} Item was disputed for fraud. Item was removed and re-added with no notification. 

XXXX XXXX XXXX XXXX XXXX, XXXX {$660.00} Item was disputed for fraud. Item was removed and re-added with no notification XXXX XXXX/XXXX/XXXX - hard inquiry.. Was not given permission. 

XXXX XXXX XXXX/XXXX/XXXX -hard inquiry.. Was not given permission. 

Addresses : XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX Both need to be removed. Old 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 non-monetary relief
Consumer complaint received 2017-10-24 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: WI

Complaint narrative:
In mid XXXX, I pulled my credit report from Equifax in light of all the recent breaches. On there I noticed 2 public records that do not belong to me. I disputed them and they came back to me on XX/XX/XXXX stating that they belong to me and it was verified through a 3rd party XXXX XXXX. I never gave XXXX XXXX authority to have my personal information neither did I give Equifax authority to give my information to someone else. I also researched the information they are reporting and find that the XXXX County Register does not report to the credit bureaus and furthermore does not have the information they are reporting in their records. 

Furthermore, starting XX/XX/XXXX, the three major credit reporting companies Equifax, XXXX and XXXX were impose with stricter rules on the public records they collect, requiring each citation to include the subjects name, address and either their Social Security number or date of birth.  which they do not! 

My name is a common name and with all their neglect and exposure of my credit file I am asking you to help me to get them to remove these two files from my report. 

Case # XXXX XXXX County Register of DeedsXX/XX/XXXX Case # XXXX XXXX County Register of Deeds XX/XX/XXXX These accounts are not listed on no XXXX or XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
Signed up for the American Express Premier Rewards Gold card, last year around XXXX timeframe under the bonus offer of : Spend XXXX in the first 3 months and receive 45k points and also spend XXXX the next year ( from XXXX XXXX, XXXX to XXXX XXXX, XXXX XXXX and receive 2k additional points. 
I have spent the required {$2000.00} and still have not received the points even after contacting customer server 3 seperate times. The last lady I talked to said that marketing made a mistake with the dates. 
I have original screenshots of the original offer when first applying and also amex sent me an email reminder about the 25k points as well. 
I will attach to this submission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
From the time period mid XXXX through mid XXXX Bank of America allowed purchases to be processed over my {$5500.00} credit card limit to a sum of over {$25000.00}. In the background an individual was suppose to be paying these charges but falsified a XXXX XXXX account and was paying these charges with a non functioning account. B of A continued to allow additional items to be purchased. When calling their XXXX number on back of my card the recordings always told me that I had a zero balance which led me to believe all payments were processed. I feel I 'm responsible for all charges up to my limit but the remaining {$20000.00} plus is due to their internal processes and failure to recognize fraudulent activity.

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 2017-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: AR

Complaint narrative:
I type a full " box '' describing my complaint and had just started the first few lines in the box requesting the desired outcome. Then suddenly your complaint form disappeared. So, I will try to pick up where I left off XXXX XXXX XXXX. I wish to continue making student loan payments as I have for over ten years to a reputable loan servicer which may or may not be Nelnet in XXXX XXXX. To date, I file a complaint with the Arkansas Attorney General XXXX XXXX XXXX and included the information in the first box ; now disappeared a few minutes ago. We believe the Arkansas XXXX XXXX XXXX ( XXXX XXXX AR ) may have provided our " private information '' including Soc Security nos. for both me and my wife, birthdates, checking account nos., etc. We worked with AR XXXX last summer XXXX and we were shocked to learn our student loan was placed in forbearance for one year which we did not authorize. In the alternative, Nelnet may have provided our " private '' information to loan companies like XXXX in California. 

You say not to provide " your ( our ) name, account no., address, Social Security numbers, etc. So hope someone at CFPB sees this. Very odd.

Company response to consumer: Closed with explanation