vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have had a XXXX XXXX XXXX Card from MBNA since XX/XX/XXXX. I wanted the card because it used our fees for a program to bring back the wolves in the XXXX XXXX during a time when they were nearly extinct. 

The card also had a rewards program with it for purchases. Every few years I would purchase flights for family travel using the rewards. The program was bought out from MBNA by Bank of America, and I am not sure when. BoA could not tell me when either, which I found disturbing. 

What I learned today is that apparently, miles expire. I didn't realize this, and starting in XX/XX/XXXX I have lost approximately XXXX miles, maybe more ( the first dump was in XX/XX/XXXX for XXXX miles ). 

BoA claims they sent me a kit explaining this. I do not recall ever receiving such a kit. They also say the miles being retired are on the pdf statements of my bills which I check monthly. It says no such thing. The document just tells you how many miles are added, and how many you currently have. It says in very small print ( what looks like a 9 point font or smaller, very hard to read ), something I never noticed, that miles expire after 60 months. When I questioned the representative from BoA, he said I can always go online and look at my miles. I find this preposterous, given the arcane and disorganized nature of their website. 

So to summarize, when I got the card, it said miles never expire. Now I learn a few months after that that thousands of my miles have expired ( worth hundreds of dollars ), with no explanation, no email warning, no calls from the company. 

When I asked if there was a way to get my expired miles back, BoA says it is impossible. I find this ironic. This is the same company that we the taxpayers bailed out to the tune of XXXX  XXXX taxpayer dollars in XX/XX/XXXX. [ Bank of America received {$XXXX} XXXX  in the federal bailout from the U.S. government through the Troubled Asset Relief Program ( TARP ) on  XX/XX/XXXX, and a guarantee of {$XXXX} XXXX  in potential losses at the company. ] What a dishonorable company, in my opinion, to receive US government largesse and then not work to accommodate their loyal customers. Shame on BoA!

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 2019-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Disputed unauthorized inquiries on credit report and requested the inquiries to be deleted. Credit bureau failed to investigate, delete, or respond to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I'm currently trying to apply for a home loan and having troubles with equifax information on my report. I go by my middle name for most information but file all official documents through my complete full name. To make things that much more confusing my father has the same name be he is XXXX. Lenders can pull both XXXX and XXXX files through both my middle name and full name but can't pull anything under equifax. Equifax has my name under file as only my middle name. I originally sent them a letter back XX/XX/XXXX and got a response back. They ended up changing my dad 's name instead of mine. The letter even had my SSN, DOB, DL, and SS Card and they still ended up changing my dad 's name. I have sent them a total of 4 letters stating that they had changed my fathers name and I need my name changed not my fathers. I have called almost 3 to 4 times a week to see if they have received any documents and to see the statues of my name change. They just keep telling me they haven't received anything and to send the letters again. Also I have gotten into equifax just fine and pulled my reports and reviewed everything and everything is correct except for the full name. I need this to be fixed ASAP as we are under contract and close in the middle of XX/XX/XXXX. 
Also side note : their website they keep advertising to me to check the statues of my dispute is BROKEN!!! I can't get anything to come up when I look up my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with fraud alerts or security freezes — 
Company: Manhattan Beach Venture, LLC
State: GA

Complaint narrative:
A company by the name of XXXX XXXX XXXX called me as if they were working with the Department Of Education in helping me to get my student loans forgiven. The company gets information from you and after speaking with them, I looked the company up on XXXX to find out that the company is a scam. When you call the company back, the individuals are rude and hangs up on you.

Company response to consumer: Untimely response
Consumer complaint received 2019-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo sent us a letter saying we could refinance for 5.0 %. When we started the process they said it was 5.09 %. The main issue we are having is the appraisal process. The appraisal result came back and it was 10 % less than last year when we did this. The homes they used were not the same as ours. Two of the three home were in our neighborhood but were smaller. One of those homes actually sold for more than they appraised our home. It seems they went out of their way to lowball our home. I checked three sites and all of them said homes prices have gone up in our area 4-7 % -not down 10 %. When I tried to talk to them they tried not to answer my questions. I asked for a refund on my appraisal and credit score ( which they should not have done until after we agreed on the appraisal ) and have had no response.

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 2019-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Disputed unauthorized inquiries on credit report and requested the inquiries to be deleted. Credit bureau failed to investigate, delete, or respond to my request.

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 2019-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Disputed unauthorized inquiries on credit report and requested the inquiries to be deleted. Credit bureau failed to investigate, delete, or respond to my request.

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 2019-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
IN RESPONSE TO CFPB : XXXX Dear Sir/Madam : I have wrote several of dispute I have been ignoring and the proper protocall was not used to determine my dispute reason permited by law I had not heard any specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report. 
Items : CREDIT MANAGEMENT LP XXXX Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and  drop the disputed items from my credit report. 
Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from my credit reports. I demand the account be verified or removed immediately! 




If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : 1 ) any actual damages I sustain by you failure to delete the item ; 2 ) punitive damages as the court may allow ; and 3 ) costs of the court action, plus attorneys fees. 

I have forwarded a copy of this letter to the Federal Trade Commission. 

Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1981 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a Bank of America Credit Card where I make a XXXX dollar minimum payment. In XXXX of 2015 I was reported to XXXX as past due/Late. I have made numerous attemps in writing as well as verbally to ask for forgiveness as of said late payment reported. As to Date this blemish is holding down my credit score even though I have had stellar payment history previous to this action with Bank of America as well as thereafter. I want to make it clear that I have stellar payment history and I have been carrying out my obligations effectively.

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 2019-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
I HAD A MEMBERSHIP WITH XXXX XXXX XXXX, I'VE BEEN TRYING TO CALCEL THIS SERVICE FOR TWO MONTHS. THEY ALWAYS PUT ME ON HOLD AND NEVER RETURN TO THE LINE.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Dear Sir/Madam : I have wrote several of dispute I have been ignoring and the proper protocall was not used to determine my dispute reason permited by law I had not heard any specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report. 
Items : Resurgent Cap Srvcs Lp Opened XX/XX/XXXX Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report. 
Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from my credit reports. I demand the account be verified or removed immediately!

If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : 1 ) any actual damages I sustain by you failure to delete the item ; 2 ) punitive damages as the court may allow ; and 3 ) costs of the court action, plus attorneys fees. 

I have forwarded a copy of this letter to the Federal Trade Commission. 

Sincerely, XXXX, XXXX XXXX XX/XX/XXXX SS XXXX ADDRESS : XXXX XXXX   XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: CA

Complaint narrative:
applied for a XXXX loan, XXXX XXXX sent XXXX to the school, the school then returned XXXX ( half of the loan ) to the bank. XXXX XXXX denies receiving money, then later said they had it, now denies it again. school has not received the total XXXX ( only XXXX ). This has been over a year i have been struggling with it. I am paying interest on a XXXX loan when i have only received XXXX and the bank is uncooperative. i never receive call backs when promised, and each time i call i get a different answer for where the money went. I think it is ridiculous that i bank has LOST my XXXX XXXX DOLLARS!!!!!!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a Capital One Credit Card where I make a XXXX dollar minimum payment. I previously went through a Financial Hardship and had been late on making a few payment In 2015. I contacted Capital one myself directly and entered into a payment plan to uphold my responsibility and said agreement that they proposed. After said agreement was completed and I was back on track as I even brought myself current earlier than the plan allowed for I came to find out a while later that I was reported as never have being made a payment and Late for a period of 6 months or greater when I was making payments during said time under their provisions. As a result my interest rate has been increased ever since the event and I have tried to obtain another card to take advantage of a lower credit card rate or offer as well as save interest and get out of said debt but the information being currently reported is hurting me from obtaining another Card with better terms.I want to make it clear that I have had stellar payment history prior to the Financial Hardship as well as thereafter. I have been carrying out my obligations effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 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: FL

Complaint narrative:
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verfied. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
I paid my amount owned directly to the hospital but im still being harassed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have received emails from Equifax claiming my dispute has been looked into and resolved. I have called and emailed multiple times to get this information and attempted to review online but their online system is down. I have called a total of 5 times and each time I am told the information I am providing is incorrect. I then emailed Equifax in regards to my frustration of their representatives and was told to call consumer affairs and they would help me. I've called and emailed the agent ID numbers to equifax with no resolution of my disputes or request of my credit report. 

In my email I also requested a copy of my credire report because I do not trust the information is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
USAA Credit card first told me I had a {$2500.00} cash advance and I told them I have NEVER done a cash advance on any of my credit cards. I was then told by them that I made a Balance Transfer for {$2500.00}. I asked them, who they payed {$2500.00} to as a balance transfer in my name. After 3 weeks of waiting for them to give me an answer they told me they only keep those records for 12 months and would not tell me who they sent the money to. They could tell me about credit card purchases I made before the so called transfer. 
I've put my payments on hold until this is resolved. I've also sent in a complaint to the 3 credit reporting agencies and am waiting to here back from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Dear Sir/Madam : I have wrote several letter of dispute I have been ignoring and the proper protocall was not used to determine my dispute reason permited by law I had not heard any specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report. 
Items : PORTFOLIO RECOVERY {$1000.00} PORTFOLIO RECOVERY {$930.00} Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report. 
Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from My credit reports. I demand the account be verified or removed immediately! 




If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : 1 ) any actual damages I sustain by you failure to delete the item ; 2 ) punitive damages as the court may allow ; and 3 ) costs of the court action, plus  attorneys fees. 

I have forwarded a copy of this letter to the Federal Trade Commission. 

Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1994 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation