vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I applied to Chase XXXX XXXX XXXX XXXX card in XX/XX/XXXX. One of the benefits advertised at the Chase and XXXX XXXX websites was Youll earn XXXX PQP for every {$12000.00} you spend on purchases with your Quest Card ( up to XXXX PQP in a calendar year ) that can be applied toward your Premier status qualification, up to the Premier XXXX level. According to my credit card statement, I had spent more than {$12000.00} since I opened the account in XX/XX/XXXX. After more than a month I have not received XXXX PQP. I contacted both XXXX XXXX and Chase for more than half of a dozen times in the past week. I was told that I have not received the XXXX because I did not spend {$12000.00} in XXXX nor in XXXX. I told the chase customer service representatives that this was not how I understood. The advertising statement only explicitly states that only XXXX PQP could be earned within a calendar year but it did not explicitly state that the {$12000.00} expenditure must occur within a calendar year. Based on what Chase representatives explained to me, the credit card promotion is misleading at least and deceitful at best. For instance, if you opened the credit card in the late part of a year and you could only spend {$11000.00} by XX/XX/XXXX, you would earn XXXX PQP. This approach is not fair to consumers because they would not fully receive the benefit that the credit card was supposed to offer. If I had known this in advance, I would not have opened the account in the late part of XXXX. After I repeatedly explained my understanding of their promotion statement to Chase and XXXX XXXX, I was told that there was nothing that they could do. The supervisor of the Chase customer services hung up on me in the middle of our discussions yesterday. What I want Chase to do is to give me the XXXX PQP that I have earned from spending more than {$8000.00} in XXXX, and more than {$4000.00} in XXXX. The deception and treatment from Chase is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NY

Complaint narrative:
On XXXX XXXX, I started my continued education at XXXX XXXX XXXX XXXX at XXXX XXXXXXXX XXXX, NY. I'm currently in the XXXX XXXX in XXXX XXXX. All my requests for student loans were accepted. The problem I have with the XXXX XXXX XXXX is that they refuse to give me the funds from my student account to have my apartment wired for Internet service. I received a quote from an agency that was for {$170.00} to install the wiring needed for the internet service. I told the XXXX XXXX XXXX XXXX campus that I need this money from my student account and was instead directed to the job placement office. I'm totally confused about my student loans about why they were sent to the School in the first place. I don't receive any statements for how much money is in my student account. So far the XXXX XXXX XXXX XXXX has sent me textbooks with missing chapters and books that I didn't need for some classes. These textbooks are not cheap. I found out that the College is for profit. I'm an A and B student and I'm doing very well, with the exception that I have to go to the neighborhood library to do all my assignments. This shouldn't be as I have more than enough in my account that the College should authorize the money needed for the internet service to be installed in my apartment. After installation the cost is {$40.00} a month. The College loan officer said all money not used is going to be sent back to the agency lender. I find this to be a way of not letting me graduate. I feel like I'm being discriminated against because of my age, XXXX XXXX XXXX. This is my second complaint about the same thing. XXXX XXXX XXXX XXXX is holding my student loans for the purpose of collecting interest from my loan. I continually receive emails about attending tutoring. Why would I attend tutoring if I have a grade point average of XXXX. I find them continually trying to get me to do things that I don't need to do just so they can take money out of my student account that I have been denied for taking out of MY STUDENT LOANS FOR THE PURPOSE OF WIRING MY APARTMENT FOR INTERNET SERVICE. When I filled out the paperwork for XXXX XXXX XXXX XXXX, I was told that I would be set up for SUCCESS. I explained to the recruiter that I didn't have internet service or the money to have it installed and I was assured that the loans would be there to help with that. I have a nephew who is attending college and in his first month received {$7000.00} to help with the cost of his education. WHY WOULD THIS NOT APPLY TO ME????

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 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: CORELOGIC INC
State: FL

Complaint narrative:
I have a Dispute with the Credit Bureau about the incorrect items on my credit report. It's been well over 30 days and I still didn't receive my investigation Results.

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 2022-04-02 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: MD

Complaint narrative:
No permissible purpose was given. Pursuant to 15 USC 1681b ( a ) ( 1-2 ). Pursuant to 15 USC 1681 ( a ) ( 1-4 ) the banking system is counting on consumer reporting agencies to report accurate and fair information to my credit file which you haven't. by reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of 15 USC 1681 ( a ) ( 4 ) and The Privacy Act of 1974. You also cant claimed you verified any accounts unless you an prove you did what you suppose to do Pursuant to 15 USC 1681a ( e ) Which defines " investigative consumer report '' personal interviews with neighbors, family and friends and must show proof via affidavit of fact. Pursuant to 15 USC 1681a ( e ) stats that my consumer report should not include any factual information obtained directly from the creditor. If all accounts are not removed in 30 days as stated in 15 USC 1681i ( 1 ) ( A ), I the consumer will seek remedy 15 USC 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ). ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. This is fraud pursuant to 18 U.S.C 1028 ( a ) ( 1-8 ) and can be punished not more than 15 years in jail or a fine.18 U.S.C 1028 ( b ) ( 1 ) ( A ) ( I-ii ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Company Name : Portfolio Recovery Associates , LLC Violations : 1 ] Attempting to collect on a charged off debt. ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) 2 ] Attempting to mislead me about the status of my charged off debt. ( XX/XX/XXXX ) 3 ] Calling my phone number on XX/XX/XXXX, after I had called back and put in two separate Do Not Call requests with the company ( XX/XX/XXXX and XX/XX/XXXX ). 
4 ] Calling my phone number on XX/XX/XXXX, after I had explicitly put in a Do Not Call request with the company on XX/XX/XXXX. 

This company began calling me in early XXXX, attempting to collect a debt on a credit card that had been charged off in XXXX and was set to be removed from my credit report in XXXX. When I called back the first time, I advised them they were collecting a charged off debt and asked to be placed on Do Not Call. They called back 2 days later, so I called back and requested Do not call status again. This morning, they called me back at XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-02 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I have Filed Disputes to the Credit Bureaus and it been well over 30 days and still have receive any investigation results.

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 2022-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: The J. G. Wentworth Company
State: MN

Complaint narrative:
jG Wentworth are constantly contacting me trying to sell me services. I've told them over and over to add me to the do not call list and to that I am not interested, but they continue to harass me through phone, email, and mail. They constantly change/disguise their phone number. This has been going on for years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc.
State: AL

Complaint narrative:
I would like for the company to provide me with the original promissory note or a certified copy of the original note of debt, a copy of the repayment schedule, a complete statement of payment history. As well as copies of all approved deferments and or requests for cancellation. I also ask that this company provide a copy of the notice of the effective date of acceleration and the total amount due. This company has not lawfully validated this debt before placing it on my consumer credit report and is actively participating in DEBT PARKING which is illegal and I will be referring this to the FTC as well please provide me with a trilateral contract. I would like for this company to provided certified receipt of debt, assignment of Debt, Validation of Debt and the method of verification of said debt or to delete the associated account from my credit profiles.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA
State: UT

Complaint narrative:
Someone has opened a Goldman Sachs credit card under my name and has been using it for a while now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Received a Settlement Offer from : I.C. System, ref # XXXX Dated : XX/XX/2022 Amount Owed : {$920.00} Settlement Offer : {$460.00} Creditor : XXXX XXXX PS : I have never had account with XXXX XXXX, nor had I ever received statements from XXXX XXXX. 
I definitely think it's a SCAMMER tried to SCAM {$460.00} from anyone who could not think clearly!

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 2022-04-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-02 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: PA

Complaint narrative:
There is an incorrect address associated with a fraudulent account on my credit file That reason can't be processed online. Can you please remove the address and account please. 

This Address was reported to Experian byXXXX XXXXXXXX Address XXXXReport numberXXXX

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 2022-04-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bay Area Receivables, Inc
State: IN

Complaint narrative:
I contacted that the company that stated that i owed over {$800.00} for a company name blusoft I told them that I am unaware of this debt but yet i would still like to resolve it financially, the collection agency started who says i owe them stated that i owe over {$1100.00} for the a debt that was {$800.00} he continues to insults me by telling me that i won't be able to purchase anything because of this dept.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: CT

Complaint narrative:
My loans were initially with XXXX but switched to Aidvantage. My beginning balance was around {$11000.00}. I made a {$1000.00} payment in XX/XX/2022. It was taken from my bank account. In XX/XX/2022, I made another {$1000.00} payment which also cleared my bank and was initially posted to my AidVantage account bringing my balance down to {$10000.00}. I called and spoke with an employee on XX/XX/2022 at about XXXX. He noted that I did make a XXXX payment ( so the balance should be {$9000.00} ) but for some reason, it was not posting to my account. He had me upload my bank statement to their system showing that the amount cleared my bank. I did explain on the phone call that it looked like my statement still carried my maiden name plus my husbands name. He said this was not a problem. I completed this. He said it would take a few days to post. Today, XX/XX/2022, I checked my account. Not only have they NOT posted my XXXX payment, but they restored (? ) my XXXX payment and the balance is {$11000.00} again. Additionally, in my documents folder, the documents I have uploaded are now erased. This is beyond lazy and appears fraudulent at this point. It is causing stress having to constantly check my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
I tried to fix my payment options with GENESIS FS CARD SERVICES, but they just keep on sending me back payment slips saying my payments are effective payment instruments. I am sending this complaint to resolve this issue and get my credit report cleared of all GENESIS FS CARD SERVICES residue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-02 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: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
No permissible purpose was given. Pursuant to 15 USC 1681b ( a ) ( 1-2 ). Pursuant to 15 USC 1681 ( a ) ( 1-4 ) the banking system is counting on consumer reporting agencies to report accurate and fair information to my credit file which you haven't. by reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of 15 USC 1681 ( a ) ( 4 ) and The Privacy Act of 1974. You also cant claimed you verified any accounts unless you an prove you did what you suppose to do Pursuant to 15 USC 1681a ( e ) Which defines " investigative consumer report '' personal interviews with neighbors, family and friends and must show proof via affidavit of fact. Pursuant to 15 USC 1681a ( e ) stats that my consumer report should not include any factual information obtained directly from the creditor. If all accounts are not removed in 30 days as stated in 15 USC 1681i ( 1 ) ( A ), I the consumer will seek remedy 15 USC 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ). ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. This is fraud pursuant to 18 U.S.C 1028 ( a ) ( 1-8 ) and can be punished not more than 15 years in jail or a fine.18 U.S.C 1028 ( b ) ( 1 ) ( A ) ( I-ii ).

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 2022-04-02 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:
This company has allowed a death notification to be placed on my credit file and Im not deceased, Ive asked if there is a death certificate and havent gotten any results. I need to have that corrected.

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 2022-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
My wife incorrectly sent Bank Of America a XXXX payment thru XXXX XXXX  electronic payment system. However, the Bank of America account had been closed for several years. When the mistake was realized we spent several hrs back and forth with both banks. Finally ending up having XXXX XXXX  send Bank Of America fax information detailing proof of transaction. Now several a few weeks later XXXX XXXX  is reporting that BOA will not cooperate due to privacy issues. This payment should have been returned in 3-5 business days since the account was defunct. Contacting BOA for assistance has been a nightmare. I received fax number for the XXXX XXXX  transfer request from a supervisor at BOA. Its only XXXX dollars but I have spent several hrs on this supposedly simple issue already.

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