vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Confusing or missing disclosures — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: DE

Complaint narrative:
I purchased a {$100.00} moneygram money order and it was in my possession for a period of time I deposited the money order to open an account the money order was returned insufficient funds I was provided with a paper copy I called moneygram and was advised because I had it over a year it was no longer worth {$100.00} which I did n't know It was now worth {$70.00} but there were additional fees of {$18.00} to get my money back from the company none of which was explained when I purchased the product

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Capital one was contacted on several occasions regarding bills not being received and failure to update address and fix credit reporting. I applied over the phone for a payment plan on both accounts and was told I might qualify for one and  I should receive something in the mail for a XXXX a month payment that I had asked for. I never received anything in the mail and was told by a manager that hr would update both credit reports back 60 days and even sent letters and this has not been done by the creditor. The creditor never updated my address properly after three requests causing my accounts to be reported negatively. I was told by the manager to make a XXXX payment and that my next bill should reflect the new amount if the program was approved. I never received a bill with XXXX a month. I have attached two of the bills that the creditor has sent me in a recent response, so the creditor is aware of the fact that they failed to send proper bills. No, I do not want my terms of the payment plan agreement outlined in my bill in which XXXX XXXX sarcastically stated. I am a XXXX XXXX XXXX XXXX and I rely on promo and correct billing. Sometimes a third party pays bills and this is required. The law requires accurate billing to be sent to the consumer 21 days prior to the due date capital one has failed to do this on both of my accounts. I have started a legal process against capital one. If this is resolved the process will be withdrawn immediately. I have contacted capital one about its fraudulent reporting to the credit bureaus on numerous occasions. Also, the company charged off my account knowing they did not send of the proper billing statements that are required by law. Capital one XXXX XXXX states that it is not the companies process to send out correct billing statements. Please update my reports or I will have no choice but to take you to court and I will definitely win. Capital one did not send out the required bills to receive payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I 've made numerous attempts to request assistance from XXXXBMW Financial Services NA LLC. to work with me in getting my auto loan reduced. The first attempt to seek assistance in reducing the note created an inflated car payment. Thereafter, I made several calls and was left on hold for lengthy periods of time. I sent emails however no one would responded. The final solution was to surrender the vehicle. I mailed letters to XXXX and BMW and submitted a complaint to Consumer Financial Protection Bureau Complaint # XXXX. A XXXX XXXX with XXXX XXXX XXXX submitted a letter of response to my complaint online only nothing was ever mailed to me. I made several attempts to get in touch with XXXX XXXX but was not able to speak directly with her nor anyone in her department. Therefore, the response sent was never honored. Instead XXXX/BMW sent CARS, a repo company to harass residents at the address listed on file. I spoke directly with a gentlemen name XXXX who agreed to cease and desist in an effort to follow up on XXXX XXXX regarding the letter. There has not been a successful resolution to the auto loan instead BMW representatives have sought legal counsel to file a lawsuit. Case # XXXX in Superior Court of California , County of XXXX. XXXXBMW. This company makes it is difficult to contact a representative in authority to work out a solution that will allow consumers to honor their agreement with XXXXBMW.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: First Associates Loan Servicing LLC
State: CA

Complaint narrative:
I was wowed and tricked into attending this school by unfair practices the recruiters made. They painted this picture of state of the art equipment and other " bells and whistles '' the school allegedly had. Once there I was told I needed loans to pay for tuition. Initially I did n't qualify for these private loans. The financial aid advisor told me " do n't worry we 'll find a way '' this " way '' came at the cost of private loans through a company called XXXX now XXXX XXXX XXXX. I am now in debt XXXX dollars and ca n't afford to make payments. This loan in my eyes was textbook predatory lending. I was mislead and not informed of what the end costs would be and now I am very behind and overwhelmed with this lender. What can I do? Is there any relief?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: SC

Complaint narrative:
ERC sent a notice to my address on XXXX/XXXX/XXXX in regards to a debt that they are assuming I owed offering me a payment or settlement on the account ... ALSO ON THE LETTER IS SPECIFICALLY STATES UNLESS YOU DISPUTE THE VALIDILITY OF THE DEBT OR ANY PORTION THEREOF WITHIN 30 DAYS AFTER RECIEPT OF THE NOTICE THE DEBT WILL BE ASSUMED TO BE VALID BY US IM confused the letter was mailed on XXXX/XXXX/XXXX received on XXXX/XXXX/XXXX but it was reported on my credit on XXXX/XXXX/XXXX?????? I am in the process of closing on my home and I feel they know this and would be easy way to collect the debt ... ..BUT I KNOW THERE HAS TO BE A LAW THAT STOPS THIS HOW CAN THEY MAIL A LETTER ON XXXX/XXXX/XXXX BUT ADD IT ON MY CREDIT ON XXXX/XXXX/XXXX THIS IS UNFAIR AND I KNOW THE LAW DOES NOT ALLOW THIS AND HOW DO I EVEN KNOW THIS IS MY DEBT I DID NOT GET AYTHING SAYING IT WAS MINE OR PROVED IT TO BE MINE EXCEPT A STATEMENT ASKING ME TO PAY ERC HAS UNFAIR AND FRAUD PRACTICE AND THEY SAY IT WAS OPEN IN XXXX XXXX????? WHEN THEY MAILED A LETTER XXXX/XXXX/XXXX THIS REALLY MAKES NO SENSE AT ALL I have attached my credit report and also the letter ... ... ... ... ... ... ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Dates - every month I have only received about 4 paper correspondences in almost 3 years with this company. I have never received the card itself and have given them the correct address multiple times. They have closed my account without my permission 3 times. They charge XXXX dollar late fees each month even though they have not sent me a bill or the card. They harass me by calling 3 to 4 times an hour if the payment is late due to then never sending a bill. I have tried to enroll in auto pay 3 times over the last 3 months and it has not gone through. I also enrolled in paperless billing in XXXX hoping I might receive an emailed statement to no avail. It is of my opinion that this company purposefully neglects their end of the consumer/creditor responsibilities in order to charge ridiculous late fees and harass their consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 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: CT

Complaint narrative:
XXXX XXXX was contacted on several occasions regarding bills not being received and failure to update address and fix credit reporting. I applied over the phone for a payment plan on both accounts and was told I might qualify for XXXX and I should receive something in the mail for a XXXX a month payment that I had asked for. I never received anything in the mail and was told by a manager that hr would update both credit reports back 60 days and even sent letters and this has not been done by the creditor. The creditor never updated my address properly after three requests causing my accounts to be reported negatively. I was told by the manager to make a XXXX payment and that my next bill should reflect the new amount if the program was approved. I never received a bill with XXXX a month. I have attached two of the bills that the creditor has sent me in a recent response, so the creditor is aware of the fact that they failed to send proper bills. No, I do not want my terms of the payment plan agreement outlined in my bill in which XXXX XXXX sarcastically stated. I am a XXXX XXXX XXXX XXXX and I rely on promo and correct billing. Sometimes a third party pays bills and this is required. The law requires accurate billing to be sent to the consumer 21 days prior to the due date XXXX XXXX has failed to do this on both of my accounts. I have started a legal process against XXXX XXXX. If this is resolved the process will be withdrawn immediately. I have contacted XXXX XXXX about its fraudulent reporting to the credit bureaus on numerous occasions. Also, the company charged off my account knowing they did not send of the proper billing statements that are required by law. XXXX XXXX XXXX XXXX states that it is not the companies process to send out correct billing statements. Please update my reports or I will have no choice but to take you to court and I will definitely win. XXXX XXXX did not send out the required bills to receive payments.

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 2017-07-06 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: CT

Complaint narrative:
XXXX XXXX was contacted on several occasions regarding bills not being received and failure to update address and fix credit reporting. I applied over the phone for a payment plan on both accounts and was told I might qualify for one and I should receive something in the mail for a XXXX a month payment that I had asked for. I never received anything in the mail and was told by a manager that hr would update both credit reports back 60 days and even sent letters and this has not been done by the creditor. The creditor never updated my address properly after three requests causing my accounts to be reported negatively. I was told by the manager to make a XXXX payment and that my next bill should reflect the new amount if the program was approved. I never received a bill with XXXX a month. I have attached two of the bills that the creditor has sent me in a recent response, so the creditor is aware of the fact that they failed to send proper bills. No, I do not want my terms of the payment plan agreement outlined in my bill in which XXXX XXXX sarcastically stated. I am a XXXX XXXX XXXX XXXX and I rely on promo and correct billing. Sometimes a third party pays bills and this is required. The law requires accurate billing to be sent to the consumer 21 days prior to the due date XXXX XXXX has failed to do this on both of my accounts. I have started a legal process against XXXX XXXX. If this is resolved the process will be withdrawn immediately. I have contacted XXXX XXXX about its fraudulent reporting to the credit bureaus on numerous occasions. Also, the company charged off my account knowing they did not send of the proper billing statements that are required by law. XXXX XXXX XXXX XXXX states that it is not the companies process to send out correct billing statements. Please update my reports or I will have no choice but to take you to court and I will definitely win. XXXX XXXX did not send out the required bills to receive payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XXXX XXXX was contacted on several occasions regarding bills not being received and failure to update address and fix credit reporting. I applied over the phone for a payment plan on both accounts and was told I might qualify for one and I should receive something in the mail for a XXXX a month payment that I had asked for. I never received anything in the mail and was told by a manager that hr would update both credit reports back 60 days and even sent letters and this has not been done by the creditor. The creditor never updated my address properly after three requests causing my accounts to be reported negatively. I was told by the manager to make a XXXX payment and that my next bill should reflect the new amount if the program was approved. I never received a bill with XXXX a month. I have attached two of the bills that the creditor has sent me in a recent response, so the creditor is aware of the fact that they failed to send proper bills. No, I do not want my terms of the payment plan agreement outlined in my bill in which XXXX XXXX sarcastically stated. I am a XXXX XXXX XXXX XXXX and I rely on promo and correct billing. Sometimes a third party pays bills and this is required. The law requires accurate billing to be sent to the consumer 21 days prior to the due date XXXX XXXX has failed to do this on both of my accounts. I have started a legal process against XXXX XXXX. If this is resolved the process will be withdrawn immediately. I have contacted XXXX XXXX about its fraudulent reporting to the credit bureaus on numerous occasions. Also, the company charged off my account knowing they did not send of the proper billing statements that are required by law. XXXX XXXX XXXX XXXX states that it is not the companies process to send out correct billing statements. Please update my reports or I will have no choice but to take you to court and I will definitely win. XXXX XXXX did not send out the required bills to receive payments.

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 2017-07-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I got a call on XXXX/XXXX/XXXX from Citibank which is where my Goodyear credit card is financed stating that my account is 90 days past due and that I have been charged {$400.00} dollars in late fees. I have been a customer since XXXX and my account had always been setup on autopay. I have the statements to prove it, see attached. They said that I received an email that my account had been disenrolled but I did not dis-enroll it from autopay. It has been set up that way for years so why would I stop it now. When I checked the activity on the goodyear signon website, it said no activity at all for any of the months in XXXX. The supervisor that I spoke to on the phone could not explain why it said no activity. He kept referring me to an email which he could not prove that I disenrolled myself. I do n't check my personal email so I was not aware of this so called dis-enrollment. Somewhere along the line my autopay got removed but it was not by me. It looks like when my balance was {$0.00} the system might have disenrolled me. If they do n't have proof that I actually disenrolled myself, I want my account restored to prior state.

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 2017-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I have tried to call your customer service, but after waited for 45 mins listening to music, I was told this is how BOA does things. So I have no choice but come to CFPB. <P/>I withdrew all my remaining money from BofA Core Checking account ( account # XXXX ) and closed it. The balance was shown as XXXX. When I closed this checking account with an agent on the phone, he told me it 's all set and my account is closed. <P/>Then I kept receiving paper statement from BOA every month, as if I still have this account open ( refer to attachment ). Balance shown on the statement is XXXX every month, of course. <P/>This is the same experience when I tried to close a BOA credit card which has XXXX balance as well. It took me 2 years to finally get off those statements and email communications BOA kept sending me as if this credit card was still open. This type of practice is confusing and disgusting.

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 2017-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
All 3 credit report agencies would not allow me access to my credit report ( XXXX XXXX ) on XXXX XXXX  2017 because I could not match the " correct '' response to the credit lines opened under my SSN because they are fraudulent. I called the support agencies of all 3 companies and have not option for an actual human agent, and have to cycle through long drawn out automated systems that do not answer my concerns appropriately and place a burden on me that it not realistic in-terms of time and lost wages in opportunity cost. I would like this resolved as soon as possible with an actual person or written steps that will actually solve this issue in a reasonable amount of time. I am not sure why the burden is on the consumer who did nothing wrong.

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 2017-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: MO

Complaint narrative:
I received a notification from the three major credit bureaus that South West Credit Systems flagged my account for a collection. The original creditor XXXX was paid a long time ago and took the difference from my last policy payment to satisfy my account. This company is ruining my credit and deserves to be handled accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 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: NM

Complaint narrative:
I had an inaccurate tax lien placed on my credit report. I have a letter from the lien holder stating that it was completely wrong and should never have been placed on my report. I sent the letter to the 3 credit reporters. 2 of them have removed it. Equifax will not remove it. I have sent it to them 5 different times. It is also past the 7 years that it should have just fallen off and still it is there. Any way you can help me with this??

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XX/XX/XXXX, we paid the city of XXXX {$2400.00} for our quarterly real estate taxes using our account at Citizen 's bank. For some reason it was charged again on the XX/XX/XXXX, rejected due to insufficient funds, charged a bank fee, reversed on the XX/XX/XXXX, and then processed again on the XX/XX/XXXX when a deposit increased the balance to cover it. As soon as I discovered this I went into the local branch. The banker there filed a claim ( his idea ), and a credit was received XX/XX/XXXX.He also told us the {$39.00} fee would be waived, which never happened. On XX/XX/XXXX XXXX returned the second payment, and additionally there was a dda debit for the same amount. By the end of this there were 7 transactions in the amount of {$2400.00}. Four were debits, three were credits. Each of these transactions changed our balance, so at the end we are minus {$2400.00} plus the {$39.00}. XXXX, the company that apparently runs the online system for Ctitizen 's, claims we owe them a payment in that amount. I went in to the branch again and went over evrything and the banker agreed with me but refused to speak with XXXX. There is ( was? ) a note on our file with Citizen 's saying we are correct, but then they switched and said we owe XXXX, who has now turned this over to a debt collector. Please help

Company response to consumer: Closed with monetary relief