vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
In XXXX, 2020, on Southwest Airline 's website, at the time I was making a reservation, an offer was displayed that stated that if I signed up for the Southwest Rapid Rewards Visa that was offered by Chase that I would receive {$200.00} back after my first purchase and XXXX Rapid Reward miles. I applied for the card through the link that was provided for this promotion and was approved for the card. 

Upon receiving my first statement for the card, I saw that I had been charged the annual membership fee of {$69.00} but I had not received my {$200.00} promotional credit. I called Chase promptly and provided all the information about the promotion and requested that the promotion be promptly applied. Chase indicated that they would investigate this issue and let me know their response. 

Chase responded today XX/XX/2020, that they were unable to provide the promotion and would not give a reason as to why. All that I could be told was that somehow the link that I clicked " diverted me to another promotion, '' and that was that. This secondary promotion was never made publicly facing, and had it been, I would NOT have signed up for the card. The secondary promotion offered only miles on Southwest Airlines, which I did not want. 

This is total bait and switch! The link " diverted me? '' I have absolutely NO control over this - I clicked on the appropriately indicated link and if the link " diverted me, '' then this was intentionally and fraudulently set up behind the scenes by Chase and they had ABSOLUTELY no intention of ever honoring the advertised promotion. 

I want Chase to honor their promotion as they legally are required to do and credit me w/ the {$200.00}. If that also means rolling back my miles on Southwest Airlines, that is fine. I do not want the extra miles. I want the promotional credit as advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am currently on the phone with a representative by the name is Ms. XXXX who is taking. a look at the account to see why my claim was denied.She states I made a statement to a representative that I gave my cousin the card to use to try and see if the bill could be lowered that it was in fact permission to use my card. The problem is that is not accurate I would never give a 3rd party my card without me written consent. I NEVER signed anything or agreed to have my card used. My information was taken in order to see if there was a way for the bill to be reduced but I did not authorize an amount to be paid. I do not understand how they can allow an establishment to withdraw funds without consent period. That is like stealing and they are giving them the right to. If the money was sitting in my account and there was something that happened where another person filed a claim against me using 3rd party the money would just be taken and there would be no questions asked so this is not fair morally and legally questionable as well. I stated to the representative that if they wanted a police report I will be glad to go and get one. She said that I do not need to have one. I do plan on calling the police however, due to the pandemic do not know how long it will even take. I will follow up regarding the matter. Right now I just want the record to reflect that the bottom line is I never gave my card to anyone and I NEVER authorized payment as stated. I sent over a copy of my bill and told them that XXXX XXXX is/was working with me to get the bill paid but now because there was a payment I have to reapply. This payment was as stated and not what they deem it to be. It is unauthorized and therefore should be returned.

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 2020-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: TX

Complaint narrative:
My US bank platinum visa credit card is reporting closed and showing 30 days late. I repeatedly reached out to the fraud and verification department to fix account status. The 30 day late is incorrect and severely impacting me on ALL 3 credit report. I am trying to close on my mortgage with all the crisis happening right now this misinformation is damaging my home buying closing process.

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 2020-04-16 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: VW Credit
State: TN

Complaint narrative:
VW credit is violating my rights under the FCRA willingly and has failed to correct. Violations include inaccurate reporting as well as failing to disclose the account is being disputed. Section 1681i ( c ) of the FCRA provides : Whenever a statement of a dispute is filed... the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumer 's statement or a clear and accurate codification or summary thereof.The have an F with the XXXX XXXX XXXX for that exact reason. Overview of XXXX   Ratings VW Credit , Inc. Reasons for Rating F VW Credit , Inc. Failure to respond to 6 complaint ( s ) filed against business 159 complaint ( s ) filed against business VW credit is violating my rights under the FCRA willingly and has failed to correct. Violations include inaccurate reporting as well as failing to disclose the account is being disputed. Section 1681i ( c ) of the FCRA provides : Whenever a statement of a dispute is filed... the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumer 's statement or a clear and accurate codification or summary thereof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Advanced Resolution Services Inc.
State: TX

Complaint narrative:
I have tried to freeze my ARS report for the past 2 months, but have not gotten a response. They replied to my last CFPB complaint and said they have not received my letters, but i have 2 certified mail receipts showing that i sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted when my social security card was stolen and I have derogatory items that are not mine including many inquiries. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have capital one credit cards to raise my credit score, every month paid in full and I never used over 50 % of my limit, and every month they drop my score even if I pay in full. this is not a reason to drop my credit score when I pay in full every month. lowering your credit score is when you default and not pay your bills. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates ( PRA ) is in violation of Title 15 USC 1681m ( f ) ( 1 ) of the FCRA. 

They purchased debt they knew was from the result of ID Theft and fraud. Notwithstanding, XXXX sold them debt they knew was the result of ID Theft and fraud. I notified XXXX way before they sold the debt to PRA I have notified them on several occasions that I am the victim of ID Theft. My Identification has been stolen by XXXX Criminals from XXXX XXXX XXXX, Sate of California according to the IRS Criminal Investigation Division Special Agent XXXX XXXX. They have been filing false tax returns in my name as well as applying for Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: Early Warning Services, LLC
State: IL

Complaint narrative:
Despite multiple attempt for early ones to look at multiple documentation from XXXX XXXX XXXX regarding my account early warning systems refuses to correct the status of the account when it was closed. they have literally been most unethical unprofessional people I've ever experience on Earth. I am appalled and disgusted that they have my social security number and personal information. 
I have literally given them documents in a dispute a month ago showing that my status on the account should be settled it should not be unpaid. 
early warning systems refused to follow the law and look at evidence that I already gave to them. they have literally done nothing to fix an error that I have proven to be incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Strategic Alliances, Inc.
State: GA

Complaint narrative:
First Financial put a derogatory mark on my credit report for an amount I do not owe the difference is about {$900.00} and i am paying the original creditor directly. I don't remember ever being contacted by first financial, this is crazy to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sierra Holdings LLC
State: FL

Complaint narrative:
I have asked the caller twice not call me at work. My boss has stated this is violation of the company 's policy of personal time during working hours

Company response to consumer: Untimely response
Consumer complaint received 2020-04-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Santander Consumer USA 's representative stated, on a recorded phone call, that the alleged loan/account was sold to XXXX XXXX and that the consumer should contact XXXX XXXX. The representative supplied the phone number to XXXX XXXX. Consumer called XXXX XXXX and spoke to a representative name XXXX who confirmed that XXXX XXXX does not have an account for the consumer and they are not collecting any alleged debt. This behavior by Santander Consumer USA is clear violation of 15 USC 1692c, 15 USC 1692e, 15 USC 1692f, and Public Law 111-203. Concurrently, the information being reported on the credit report of the consumer is inaccurate and in violation of 15 USC 1681 et al. The consumer demands the removal of this erroneous reporting and will be seeking relief of {$1000.00}, by money order, be made payable to XXXX XXXX XXXX XXXX withing 10 days of receiving this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: NY

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I received the American Express Platinum credit card on XXXX XX/XX/XXXX. I had the intent to use this card under the assumption that the {$550.00} annual fee for this card would be waived under the Military Lending Act, as I have been on XXXX XXXX military for the last 2.5 years. Every member of my unit who applied for this card had the annual fee waived within a week or two ( I can provide references for that if needed ), and so I went forward and eventually received the card. Around the time the annual fee was charged, roughly XXXX XX/XX/XXXX, I made an inquiry over the phone with American Express to apply for military benefits to have this fee waived. I thought this was strange because when applying for the card, the application asks for your source of income, and I had chosen the military option, provided a street address on the military base I am on, etc. The inquiry came back nearly a month later to tell me that I am ineligible for AMEXs SCRA ( Service Civil Relief Act ) benefits. I submitted another inquiry to make sure that wasnt a mistake. The next inquiry came back with the same results, roughly another month later ( each inquiry was made over the phone, while I tried to explain to each rep. that I was in the military and just wanted to see if I could be credited back the annual fee ). After the 2nd inquiry came back, I spoke on the phone with a specialist from AMEX who allowed me to reopen that inquiry and submit supporting documents, such as my XXXX XXXX orders from my military duty station, which shows my swearing in date ( date I began XXXX XXXX service ) as XXXX XX/XX/XXXX. When that inquiry also came back as denied on XXXX XXXX, I spoke to another specialist, who then told me that their annual fee on the Platinum card is done through the Military Lending Act and in XXXX is determined upon applying for the card. The specialist resubmitted a new dispute inquiry with a comment emphasizing that I was seeking a benefit under the Military Lending Act, rather than the SCRA. This morning, the inquiry was denied again. I have spoken to at least 8 different representatives from American Express to explain this situation and 0 have been able to help. I had to pay this annual fee in order to avoid any late fees. The only reason I applied for this credit card is because of its wonderful benefits and that military members do not pay the annual fee. I am in the military. I make a guaranteed income, but this was a fairly large amount of money for me, and I feel as if there is no one else that can help. American Express customer service has been useless. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: CO

Complaint narrative:
Transunion is reporting incorrectly that I am ( 60 ) days past due on the State of Colorado XXXX XXXX. I started a new job on XXXX and the child support payments had been coming out of my paychecks. When I saw that XXXX and XXXX payments were not being applied I contacted the department and was directed to pay directly through XXXX. Starting in XXXX the payments began to be directly taken out of my pay checks again. I have attached copies of my paystubs and payment ledger which clearly shows that I had not missed any payments. This account is current. This false reporting of lates is seriously harming my credit score and Transunion needs to update this information and delete the lates being reported. I have tried to contact Transunion to remove these however, I have not been successful.

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 2020-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PROVIDENT FUNDING ASSOCIATES
State: WA

Complaint narrative:
After the state of Washington went into lockdown due to Covid19 in early XXXX, my business had a dramatic drop-off in revenues. I contacted our mortgage provider Provident Funding ( ProvidentFunding.com ) and asked for a 6 month forbearance with interest and principal payments added to the back end of the loan. They agreed to do so given the extraordinary times we are in. I thought we had everything settled. 

Today, I received an email from Provident Funding that said all of the payments for the 6 month forbearance period would suddenly come due at the end of the 6 months. I have tried reaching them but they are not responding. This is totally unacceptable and appears to be predatory actions during a time of financial crisis. I will also be contacting my political representatives at the state and federal level to discuss what can be done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My complaint is against Transunion Credit, I noticed on XX/XX/2020 my credit score drop 14 pts. between XX/XX/2020 -XX/XX/2020 and Transunion Credit can not explain to me why. Between XX/XX/2020 - XX/XX/2020 I had no missed or late payments during that period, also I had an decreased in payments. My XXXX XXXX XXXX  decreased by {$84.00}, XXXX XXXX XXXX  decreased by {$9.00}, XXXX  XXXX XXXX decreased by {$69.00}, XXXX XXXX decreased by {$520.00}, which put us at an total of {$690.00} paid between XX/XX/2020 - XX/XX/2020, if anything my credit score should have increase. If Transunion Credit doesn't correct this issue, I will file a civil suit against Transunion Credit, this mistake has cause me home loan, and put me in deep 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 explanation
Consumer complaint received 2020-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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 — Card was charged for something you did not purchase with the card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ

Complaint narrative:
my XXXX year old used my credit cards without my knowledge or authorization. Spent alot of money. I disputed with HSBC and they sent me a letter back stating they would not credit my account for the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: SC

Complaint narrative:
I currently have a mortgage. The servicer is Selene Finance. I filed a bankruptcy a few years ago and received plan confirmation back in XXXX. I made the payments to mortgage servicer as told from bankruptcy court. I have received no statements to this date. My payments have been made on time and every month until the mortgage company started sending the payments back. During this time I received loan modifications and in XXXX a notice of change of servicer. In XXXX, my daughter looked into why they keep sending this information. The mortgage company had increased my payments without sending a notice or sending a statement anytime during this period. I still have yet to receive statements except one sent to my bankruptcy attorney in XX/XX/XXXX. Now the mortgage company is saying I owe close to {$21000.00} and have been sending my payments back. I also have documentation that the payments were sent and up to date until they changed the payment amount without any notification to me.

Company response to consumer: Closed with explanation