vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: CT

Complaint narrative:
I am unable to remove my stored XXXX credit card ending in XXXX that I had on file with XXXX XXXX XXXX for 2 cancelled subscriptions under the account number XXXX login : XXXXXXXXXXXX Please read my account number and email above so that you are looking at the correct account. This complaint is under my XXXXXXXXXXXX Google account. Please do not close this complaint without investigating fully. XXXX XXXX XXXX closed my original complaint but my XXXX is still there. I can see it now. See screen prints attached. 
Also I am unable to close my Google Payments Profile. All Google 's website links are circular taking me back to the same location indicating I can not close my payments profile or remove my credit card. I cancelled my subscriptions to XXXX XXXX and XXXX XXXX on XXXX XXXX, XXXX. I have tried for 3 days to call and email XXXX XXXX with no results. XXXX XXXX XXXX. is licensed as a Money Transmitter in my state of Connecticut. Representatives from XXXX, XXXX XXXX, XXXXXXXX XXXX and XXXX XXXX told me that I must maintain a credit card on file even if I am no longer subscribing to any paid services, that I can not remove my XXXX until I replace it with another card, and to purchase a prepaid card. Additionally, my XXXX XXXX subscription was a " free trial '' subscription and the XXXX XXXX rep indicated due to " audit & compliance '' they must maintain my credit card on file but that it is encrypted and in cold storage. The screen prints below do not appear to support his assertion. This is unacceptable.

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 2017-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
GM card, I could not log onto the GM card website to pay my monthly bill, due to a new verification process. I realized I could not find the card. On XX/XX/XXXX, I called customer service to request a new card and pay the bill. I was inform by GM Card ( Capital One ) would not re-issue the card until the account was current. I paid by check over the phone and informed I would have to call customer service back in a few days, after the check was processed. I called back on XX/XX/XXXX and requested a replacement GM card and reported my card lost. At that time I was informed that I would receive the card in 4 days. On XX/XX/XXXX I recieved a Capital One XXXX card. When I called Capital One and spoke to XXXX the supervision, ID # XXXX. She told me a new GM card had been issued but not sent, because my payment had lapsed. I informed XXXX, I do n't receive a paper statement and ca n't log on my account because of the new verification that requires that I enter the security code on the back of the card, which they will not send me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 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: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
In the beginning of XXXX over a three month period my American Express was charged {$2900.00} total in many many XXXX charges that were not mine. I have sent over the 49 page dispute to American Express 3  times and they finally confirmed receipt of it. This has been going on for one year and nine months now. I was only given credit of approx. {$400.00} of the total of {$2900.00}. I have called American Express an additional nine times over the last year and have been told every time its still in process and will be resolved shortly. In the start of this in XXXX XXXX I was told it would take a few months. After 5 months I was told it would take a couple more months. After calling nine times, the last 6 calls I was told they would call me back within 48 hours after the look into it and see why I had still not received the credit. I NEVER have received a call back. I had to pay the full {$2900.00} as this is a platinum American Express and is due in full every month, there are no partial payments. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I keep getting calls about my student loan when the statue of limitation is up. This loan is still showing on my credit report. I called and tried to make several payment arrangements and I could n't afford the payments that were offered. I also am aware of a recent lawsuit that was taken out on the loan provider for those same issues that were affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have an existing loan serviced by XXXX XXXX XXXX. I received a pay off demand with an Other Fees * {$16000.00} on the demand. The detail said included an attachment A with no explanation of this charge I never agreed to, or authorized. When I called XXXX XXXX XXXXXXXX they said it would take 3 weeks for any response. Now I am frozen to complete my current refinance which has a rate lock expiring. I am left with no recourse and no help from XXXX XXXX XXXX. This will cause me financial peril and I am seeking help from the cfpb to force my mortgage servicer to respond and/or remove this illegal charge. 

- I have never been late on a mortgage payment. 
- I have perfect XXXX fico score credit. 
- I have never agreed to any pre payment penalty which is illegal. 

Thank you for your help in this urgent matter. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 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: TX

Complaint narrative:
Equifax, XXXX, and XXXX have done nothing to assist me with the identity theft, fraudulent loan in my name, or to bother correcting personal information on my credit report. In XX/XX/XXXX I was called at work by a credit card company to confirm I was trying to make a purchase over 50 miles away. I declined the purchase, contacted XXXX XXXX and then tried to file a complaint with the XXXX XXXX Sheriff 's Department. The deputy was rude and threw the paperwork at me. I have filled it out and sent it to at least one of the credit reporting companies only to have it stay on my report and I am still denied access due to the wrong phone numbers and addresses being on my report. I have never lived in Florida or Oklahoma and yet there are phone numbers for both and one address - all of which are wrong. I also do NOT have two Social Security numbers and yet they are claiming I do. I am not able to access a credit report and last received one after threatening to seek legal counsel yet again from XXXX. 

A creditor is also claiming I took out a loan in XX/XX/XXXX when in fact no loan shows up on my credit report nor did I take out a loan. All three of the credit reporting companies have failed repeatedly to bother correcting the wrong personal information as well as incorrect financial information. 

I have sent in reports and personal information to identify myself frepeatedly and see no point in doing so again since I have been repeatedly denied my rights as a U.S. citizen under the Fair Credit Reporting Act. My records have been inaccurate and I have been denied the correction due to me by this act as well as by applicable laws. I will not be paying incompetent corporations that make money off of selling my personal information in disgusting acts where I was never asked for permission {$10.00} or more for a credit freeze that a criminal can just take off. Due to the hacking and gross negligence of Equifax I do not feel comfortable handing these corporations any more of my personal information since they have proven they are incapable of safeguarding it, let alone keeping an accurate record.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 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: CO

Complaint narrative:
I have been filing complaints for 2 years and nothing has been resolved the only thing the TransUnion and XXXX  and XXXX is put on a statement consumer filed bankruptcy even though that was more than 2 years ago then lowering my credit score even more than it was before. I did not have any of the inquiries removed like i requested with certified letter that i did not authorize or know about 12 inquiries. they did not update the information for XXXX it properly and they still have not remove payment histories XXXX until XXXX when I filed bankruptcy it still includes payment history prior to my bankruptcy That was supposed to be removed by and was mandated to do so by the Ombudsmons group. CFPB keeps closing these investigations without an resolution. Im about to file an official complaint against CFPB and ALL credit bureaus. This is old. I sent CERTIFIED LETTER THAT REQUIRED A SIGNATURE. THEY SIGNED AND DIDNT DO NOTHING 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 2017-11-07 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: Fay Servicing, LLC
State: GA

Complaint narrative:
Fay servicing respond to the complaint, and only resolved 1/2 of the problem.  BOTH late notes should have been deleted ( not just the one that they deleted ) ... the late reports, and fees were all part of the same issue ( hacked checking account and documents sent to Fay on 7 occasions ). This ongoing issue with Fay is hurting our credit score and the ability to get a mortgage.
Below is the email that I sent to Fay on 4 occasions, going back to XXXX, 2017. 
Hello XXXX, Once again thank you for sending the summary / account activity report on our account. 

Please note the following as to our account. 

We have been and continue to make two payments per month. Each payment is for {$1200.00}. We have been making these two payments per month for over 2 years.
Per your predecessor, XXXX XXXX XXXX, your company did not process the two payments in a timely manner as they did not know how to handle these types of payments, ( even thought I noted on EVERY payment the amount to principal and to the payment ). Hence these payments were shown as partial at times and at times caused the account to show as late. Because of this improper handling of our payments, late fees and notes were added to our account.
The returned checks / fees were due to my checking account being hacked and our account frozen until the fraud was being corrected. Again this information was communicated to XXXX during several phone calls. 
In closing the following corrections should happen to our account.
1. All late fess should be waived. I am ok with the late fees being credited to our account as additional principal payments.
2. Our account should not show ANY late payments.
Thank you in advance for correcting these errors on our account.
Please feel free to contact me with any questions.
Best regards, XXXX XXXX XXXX XXXXXXXXXXXX HELP!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
Paypal has continued to call my family members and telling them info about my personal debt. They told my MOM that I could serve time in jail if debt is not paid. They also told her the amount of my debt as well as asking about my employment status. Very unprofessional and concerning. I am debating seeking legal information because of this harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have undergone a serious life threatening XXXX XXXX requiring extensive XXXX, I informed the bank of this and requested that I not be charged any fees for holding my money during this time or I would like those accounts closed instead of being charged ; the banker agreed. I was shocked to emerge out of XXXX to see that my account was overdrawn by {$100.00} or more!

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 2017-11-08 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: CO

Complaint narrative:
I have been filing complaints for 2 years and nothing has been resolved the only thing the XXXX and Equifax and XXXX is put on a statement consumer filed bankruptcy even though that was more than 2 years ago then lowering my credit score even more than it was before. I did not have any of the inquiries removed like i requested with certified letter that i did not authorize or know about XXXX inquiries. they did not update the information for XXXX it properly and they still have not remove payment histories XX/XX/XXXX until XX/XX/XXXX when I filed bankruptcy it still includes payment history prior to my bankruptcy That was supposed to be removed by and was mandated to do so by the Ombudsmons group. CFPB keeps closing these investigations without an resolution. Im about to file an official complaint against CFPB and ALL credit bureaus. This is old. I sent CERTIFIED LETTER THAT REQUIRED A SIGNATURE. THEY SIGNED AND DIDNT DO NOTHING AGAIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 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: CO

Complaint narrative:
I have been filing complaints for 2 years and nothing has been resolved the only thing the XXXX and XXXX and Experian is put on a statement consumer filed bankruptcy even though that was more than 2 years ago then lowering my credit score even more than it was before. I did not have any of the inquiries removed like i requested with certified letter that i did not authorize or know about XXXX inquiries. they did not update the information for XXXX it properly and they still have not remove payment histories XX/XX/XXXX until XX/XX/XXXX when I filed bankruptcy it still includes payment history prior to my bankruptcy That was supposed to be removed by and was mandated to do so by the Ombudsmons group. CFPB keeps closing these  investigations without an resolution. Im about to file an official complaint against CFPB and ALL credit bureaus. This is old. I sent CERTIFIED LETTER THAT REQUIRED A SIGNATURE. THEY SIGNED AND DIDNT DO NOTHING 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 2017-11-08 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: GA

Complaint narrative:
XXXX XXXX respond to the complaint, and only resolved 1/2 of the problem. BOTH late notes should have been deleted ( not just the one that they deleted ) ... the late reports, and fees were all part of the same issue ( hacked checking account and documents sent to XXXX on 7 occasions ). This ongoing issue with XXXX is hurting our credit score and the ability to get a mortgage. 
Below is the email that I sent to XXXX on 4 occasions, going back to XXXX, 2017. 
Hello XXXX, Once again thank you for sending the summary / account activity report on our account. 

Please note the following as to our account. 

We have been and continue to make two payments per month. Each payment is for {$1200.00}. We have been making these two payments per month for over 2 years. 
Per your predecessor, XXXX XXXX XXXX, your company did not process the two payments in a timely manner as they did not know how to handle these types of payments, ( even thought I noted on EVERY payment the amount to principal and to the payment ). Hence these payments were shown as partial at times and at times caused the account to show as late. Because of this improper handling of our payments, late fees and notes were added to our account.
The returned checks / fees were due to my checking account being hacked and our account frozen until the fraud was being corrected. Again this information was communicated to XXXX during several phone calls. 
In closing the following corrections should happen to our account. 

1. All late fess should be waived. I am ok with the late fees being credited to our account as additional principal payments.
2. Our account should not show ANY late payments.
Thank you in advance for correcting these errors on our account. 

Please feel free to contact me with any questions. 

Best regards, XXXX XXXX XXXX XXXXXXXXXXXX HELP!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: U.S. BANCORP
State: OH

Complaint narrative:
My name is XXXX XXXX my XXXX XXXX XXXX was deemed a total loss do to an accident on XX/XX/XXXX I contacted U.S. Bancorp aka U.S. bank on XX/XX/XXXX to advise of what had happened representative was very rude I asked for 10 day off and per diem she ended up hanging up on me I did n't not get name then I called on XX/XX/XXXX spoke with XXXX requested payoff amount which was XXXX good to XX/XX/XXXX called XX/XX/XXXX spoke with XXXX who informed me that they would charge me a fee for my payment history so I could send to my gap company called us bank on XX/XX/XXXX tt XXXX who then transferred me to XXXX I had mentioned about the cost of history he stated would send me statements from the start of my loan and any problems to directly call him at ext XXXX then I called us bank on I believe XX/XX/XXXX did not get reps name I was on my break at work I inquired about the letter for guarantee of title stated that was sent to my adj XXXX at XXXX on XX/XX/XXXX contacted XXXX not was received and she requested it on XX/XX/XXXX after XXXX was deemed a total loss then on XX/XX/XXXX or XX/XX/XXXX I made the payment for a car I do n't have I have expressed this concern with us bank on the calls I then made a call to us bank on XX/XX/XXXX and talked with XXXX and advised him I am done he needs to get manager or supervisor on the phone rep XXXX got on phone I stated that I was done I am now facing 2 car payments on XX/XX/XXXX and stated things will be taken care of it that she would contact back office?? I told her that I want this resolved today gave her my insurance adj name and # and she gave me her # XXXX and i gave her mine and that if I needed to speak to her to call her directly so I called XXXX XX/XX/XXXX left message then my ins. adj XXXX called me XX/XX/XXXX said that she did get a message from ash and tried to call her back and no one have  gotten back to me or my adjuster again the run around and the stress that this company has put me thru i want this to be done so i can go on and not worry about this it will be 4 weeks since my accident and i still have yet to file my gap claim because of the delay from us bank and their reps and now i am facing another car payment on a vehicle that i do n't have it is n't their credit it is mine please get this matter resolve preferably sooner then later

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 2017-11-08 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: DISCOVER BANK
State: WA

Complaint narrative:
With the greatest respect to the government agency that ensures the protection of rights of consumers. I am the XXXX student and have applied three XXXX, XXXX XXXX and Discover entities for the student loan because the search engine gave me the option of private loans without COSIGNER as soon as I have applied my credit score downgraded and I had an issue with renewing and renting new apartment. Their decision, all three was to provide COSIGNER with high credit score and applicable income which by itself makes it impossible because COSIGNER which signs contract also loses Credit Score. I have already finished most of course load and if I knew that my credit score was to downgrade just for applying and I wont be able to receive impossible term student loan I would have even applied. My complaint based on if you get rejected why should you score downgraded, why three companies aggresively advertise private loan without cosigner in the search engines such as XXXX, and the most important why would person cosign if he already knows that his score is going to downgrade because later the financial institutions will increase the cost of borrowing and all other consumer purchases would be expensive for him or her. Right now I have issue with renting apartment because of that and I have family and kids. I have the lifelong experience and education never consign and never apply that makes me not wanting to access finance thus leading to financial XXXX  so it happens to be the services for the status selected which credit bureaus assume from family history and other criterias. My complaint is not take action but for improving the system set by private businesses. Thank you.

Company response to consumer: Closed with explanation