vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-10 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: MO

Complaint narrative:
I applied for the XXXX XXXX credit card offered when I was making a reservation at a XXXX XXXX. The offer promised a {$50.00} credit on my statement and XXXX XXXX XXXX points provided I used the card to charge {$750.00} in the first three months after it was approved. The card was approved on XX/XX/XXXX. I put {$760.00} in charges on the card by XX/XX/XXXX ( which is the net after a credit of XXXX ) and I have paid all the bills on time. 

I am attaching screen shots of the offer, a copy of the approval e-mail, and a record of the charges I applied to the card. 

The credit and XXXX points should have been available to me within 6-8 weeks, but they did not show up. I called American Express on XX/XX/XXXX and they opened a case to review my request. I contacted them after two full weeks and was told it was still not reviewed. I contacted them today via an online chat session and was told the case is still open and it could take up to 2 billing cycles. 

I think their responsiveness given the promises made in the online offer is terrible. There is no direct feedback provided by them. I have to contact them whenever I want more information and so far all they can tell me is that it is still under review. 

I think the circumstances show pretty clearly that I lived up to the terms of their offer, but they have not fulfilled the offer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-10 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: LA

Complaint narrative:
Dear Experian I received your letter stating that you felt that the letter I sent was a suspicious request. HOW DID YOU COME TO THIS CONCLUSION? I only sent you a simple letter disputing the accuracy of the trade line in my credit file. I feel hurt that your company is handling my dispute in this manner. You also said that the letter was not from me. HOW DO YOU KNOW THIS? Can you provide proof that it was not from me? You also state that you have not taken any action on this request. WHY NOT? I went to the XXXX XXXX and it stated that if I find an inaccurate item in my report, then I have the right to dispute it, so why didnt you take any action? Can you answer that? You also say that if I send another letter requesting a dispute on an incomplete item, I will not receive a response. Is that correct? 

For verification purposes and to prove that the letter was from me and not from somebody else, I have provided you with proof : Currently I am reinstating my dispute. The following account is inaccurate : XXXX XXXX XXXX - The date of last activity is inaccurate. Furthermore, i have never been contacted by this company about the debt they claim i owe. 
2.XXXX XXXX - I do n't remember having a charge-off. This account shows a balance as well. 
3.XXXX XXXXXXXX XXXX This account is reporting inaccurate. 
4.IXXXX XXXX XXXX - I have never done business with no have i been contacted by this company. 
XXXX. XXXX ( multiply accounts ) I have never gave this company permission to my medical information. How they have my information is clearly against my Hippa rights. I would like a medical release form bearing my signature or remove these accounts at once. 
XXXX. XXXX XXXX XXXX This balance and date of last activity is incorrect. 
XXXX. XXXX XXXX XXXX XXXX multiple accounts ) My loans have been consolidated and refinanced. I am not sure how this company is constantly flagging my accounts as late and negative. Please remove these accounts. 

Please get back to me. If, for some reason, you feel that you will not process my dispute after I have provided you sufficient proof of my identity, then I have no choice but to file a complaint with the XXXX, CFPB and attorney generals office.

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 2017-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: CA

Complaint narrative:
I requested my electricity bill be paid by my banks bill pay program in the amount of XXXX. XXXX XXXX  XXXX did not receive that check on time causing my power to be shut off. I requested a cancellation of this check but I was informed that the process can not be stop. XXXX has deposited this check twice causing XXXX separate over drafts on my account.

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 2017-11-10 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: NY

Complaint narrative:
I am writing in reference to a previous case I opened at the XXXX that is now closed reference number is XXXX in this you can confirm and verify the creditor has stated they will remove the account from all national credit reporting agencies. This has not taken place on my Equifax credit report. I demand this be corrected as this account does not belong on my credit report as it was fraud and has been promised to be removed by the original creditor who is XXXX XXXX and is reporting incorrectly negative on my equifax credit report as it should not show at all because i was told it will be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT

Complaint narrative:
Full honesty, I screwed up awhile ago, fell behind on payments, but over the last year was on time with every payment, and the cards are paid off in full now, and have been since XXXX and XXXX ( two separate cards ) Contacted Capital One through chat, and have a transcript of the conversation, and XXXX agent said the card could be unrestricted and it should be taken care of in a few days, checked back a couple days later, nope, and this time I 'm told they ca n't or wont, I wrote the president of the company, and explained the situation. 
Gave up dealing with them, the account is in good standing now, and has been for over a year. 

I understand I screwed up back then but I fixed it, so why am I not allowed to use the account?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I had a flood in my house on XXXX XXXX, XXXX The insurance company sent me the check for the repairs in the amount of XXXX after my deductible on XXXX/XXXX/XXXX ( they were behind sending the check because the large demand with the fires in XXXX XXXX The insurance company sent the check to my name and the mortgage company, I called the mortgage company to arrange the endorsement of the check, they said I had to mail it, I said I wanted to take it personally even if I had to fly to XXXX to take it because I had no floors, no kitchen, no bathroom at my house and I needed to get my house back together right away. They said the only way to do it is to overnight the check and then they will send me a check, I overnight the check, I uploaded all the information they requested, then they said that my account showed to be delinquent and they could n't release my insurance check to me. I told them the account was not delinquent, they confirmed with the mortgage department that my account was current. but they still insist in keeping my money illegally, They do n't even pay me interest on my money. I am not able to put my house back together and we are not able to live at the house without the kitchen, bathroom, flooring and walls missing. this is causing an extreme hardship, we have no place to live!

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 2017-11-10 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: LA

Complaint narrative:
Dear XXXX I received your letter stating that you felt that the letter I sent was a suspicious request. HOW DID YOU COME TO THIS CONCLUSION? I only sent you a simple letter disputing the accuracy of the trade line in my credit file. I feel hurt that your company is handling my dispute in this manner. You also said that the letter was not from me. HOW DO YOU KNOW THIS? Can you provide proof that it was not from me? You also state that you have not taken any action on this request. WHY NOT? I went to the XXXX XXXX, and it stated that if I find an inaccurate item in my report, then I have the right to dispute it, so why didnt you take any action? Can you answer that? You also say that if I send another letter requesting a dispute on an incomplete item, I will not receive a response. Is that correct? 

For verification purposes and to prove that the letter was from me and not from somebody else, I have provided you with proof : Currently I am reinstating my dispute. The following account is inaccurate : XXXX XXXX XXXX - The date of last activity is inaccurate. Furthermore, i have never been contacted by this company about the debt they claim i owe. 
XXXX XXXX - I do n't remember having a charge-off. This account shows a balance as well. 
XXXX XXXX XXXX This account is reporting inaccurate. 
XXXX XXXX XXXXXXXX - I have never done business with no have i been contacted by this company. 
XXXX. XXXX ( multiply accounts ) I have never gave this company permission to my medical information. How they have my information is clearly against my Hippa rights. I would like a medical release form bearing my signature or remove these accounts at once. 
XXXX. XXXX XXXX XXXX This balance and date of last activity is incorrect. 
XXXX. XXXX XXXX XXXX XXXX multiple accounts ) My loans have been consolidated and refinanced. I am not sure how this company is constantly flagging my accounts as late and negative. Please remove these accounts. 

Please get back to me. If, for some reason, you feel that you will not process my dispute after I have provided you sufficient proof of my identity, then I have no choice but to file a complaint with the XXXX, CFPB and attorney generals office.

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 2017-11-10 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: LA

Complaint narrative:
Dear XXXX I received your letter stating that you felt that the letter I sent was a suspicious request. HOW DID YOU COME TO THIS CONCLUSION? I only sent you a simple letter disputing the accuracy of the trade line in my credit file. I feel hurt that your company is handling my dispute in this manner. You also said that the letter was not from me. HOW DO YOU KNOW THIS? Can you provide proof that it was not from me? You also state that you have not taken any action on this request. WHY NOT? I went to the XXXX XXXX, and it stated that if I find an inaccurate item in my report, then I have the right to dispute it, so why didnt you take any action? Can you answer that? You also say that if I send another letter requesting a dispute on an incomplete item, I will not receive a response. Is that correct? 

For verification purposes and to prove that the letter was from me and not from somebody else, I have provided you with proof : Currently I am reinstating my dispute. The following account is inaccurate : XXXX XXXX XXXX - The date of last activity is inaccurate. Furthermore, i have never been contacted by this company about the debt they claim i owe. 
XXXX XXXX - I do n't remember having a charge-off. This account shows a balance as well. 
XXXX XXXX XXXX This account is reporting inaccurate. 
XXXXXXXX XXXX XXXX - I have never done business with no have i been contacted by this company. 
XXXX. XXXX ( multiply accounts ) I have never gave this company permission to my medical information. How they have my information is clearly against my Hippa rights. I would like a medical release form bearing my signature or remove these accounts at once. 
XXXX. XXXX XXXX XXXX This balance and date of last activity is incorrect. 
XXXX. XXXX XXXXXXXX XXXX XXXX multiple accounts ) My loans have been consolidated and refinanced. I am not sure how this company is constantly flagging my accounts as late and negative. Please remove these accounts. 

Please get back to me. If, for some reason, you feel that you will not process my dispute after I have provided you sufficient proof of my identity, then I have no choice but to file a complaint with the XXXX, CFPB and attorney generals office.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have an ongoing dispute regarding incorrect information appearing on my 3 credit reports from XXXX XXXX.The company refuses to update the report with the correct first late payment date and major delinquency. The dates indicated as first late and major delinquency are dates after which the creditor had already repossessed the vehicle, as a result of late payment.They are apparently attempting to use a payment made by their vendor in XXXX of 2012 following a sale at auction of the vehicle as my late payment. I of course had no involvement in the auction or in the application of any proceeds to the account. 
I have attempted to dispute this with Experian, as the creditor has once again revised dates, substantially changing the reporting. 
Experian refuses to process this dispute claiming it is a duplicate. it is not as the creditor has modified dates and I have provided new information regarding the payment history and auction sale.

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 2017-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: NY

Complaint narrative:
XXXX XXXX the original service provider removed once i advised that this amount was not owed and i was charged for equipment that was not contractual and XXXX  acted in bad faith and did not provide the services that they alleged to be the provider of. They had removed the negative information and sold the account to a different debt collector that later transferred it to diversified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc.
State: MI

Complaint narrative:
My XXXX 's student loan is through Nelnet and the calls are about bankruptcy and the numbers they are using are not connected to the XXXX XXXX system. They are local numbers that when calling back are disconnected. I had 4 in one day. All the telephone calls have the same voice and information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 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: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
I submitted a complaint to CFPB ID NO. XXXX sent to XXXX XXXX XXXX ; however, one of the vacuums purchased and returned to the merchant and he has both of them and did not issue a credit so has both vacuums and my money ; is on XXXX XXXX but I did not get to add that credit card so I am sending the disputes I opened with XXXX XXXX XXXX and XXXX. I am sick and now having XXXX on my XXXX XXXX for XXXX XXXX on XXXX XXXX and I am very ill and have no resolution to this and after XXXX I am going to be unable to do anything. He has both vacuums totalling XXXX plus XXXX for a total of 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 monetary relief
Consumer complaint received 2017-11-10 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: VA

Complaint narrative:
I have an ongoing dispute regarding incorrect information appearing on my 3 credit reports from XXXX XXXXThe company refuses to update the report with the correct first late payment date and major delinquency. The dates indicated as first late and major delinquency are dates after which the creditor had already repossessed the vehicle, as a result of late payment.They are apparently attempting to use a payment made by their vendor in XXXX of XXXX following a sale at auction of the vehicle as my late payment. I of course had no involvement in the auction or in the application of any proceeds to the account. 
I have attempted to dispute this with XXXX, as the creditor has once again revised dates, substantially changing the reporting. 
XXXX refuses to process this dispute claiming it is a duplicate. it is not as the creditor has modified dates and I have provided new information regarding the payment history and auction sale.

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 2017-11-10 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: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I have an ongoing dispute regarding incorrect information appearing on my 3 credit reports from Ally Financial.The company refuses to update the report with the correct first late payment date and major delinquency. The dates indicated as first late and major delinquency are dates after which the creditor had already repossessed the vehicle, as a result of late payment.They are apparently attempting to use a payment made by their vendor in XXXX of 2012 following a sale at auction of the vehicle as my late payment. I of course had no involvement in the auction or in the application of any proceeds to the account. 
I have attempted to dispute this with XXXXXXXX, as the creditor has once again revised dates, substantially changing the reporting. 
XXXX refuses to process this dispute claiming it is a duplicate. it is not as the creditor has modified dates and I have provided new information regarding the payment history and auction sale.

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 2017-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
When I pay my XXXX XXXX phone bill, funds appear immediately deducted ( within moments XXXX from my Wells Fargo checking account and posts as a pending transaction on my account as I view through my mobile banking application. The following day ( after paying my bill XXXX the transaction no longer appears in my checking account history and the funds appear added back to my balance. The bill pay transaction ( over the last few months ) will then not appear in my history until up to a week later, when the funds are again deducted. During this week long 'lag in batch processing ' XXXX customer service agents and billing specialists assure me that they have my money as of the day I paid my bill. I believe Wells Fargo is purposefully, removing and delaying these transactions in order to charge me hundreds of dollars in over draft fees. I feel both companies choose to point fingers at each other while I pay the price. The fact that a transaction can post to my account one day and then disappear for a week, is a scam. Seems like its illegal, and if it is n't it should be. This type of behavior is unacceptable. I expect restitution for this most egregious hardship. A similar complaint has been filed against XXXX regarding this issue through the XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX/XXXX XXXX XXXX is appearing on my credit report wrongfully duplicated under two different account numbers.acct no XXXX and acct no XXXX are medical collection accts.Additionally, I had government insurance at the time of service.Thirdly, at the time of service, I was in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.These collection accounts are wrongfully appearing on my experian and XXXX credit reports.

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