vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-16 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: VA

Complaint narrative:
Hello, I have a Chase XXXX XXXX Visa credit card that had a promotional offer stating if I made a purchase at a retailer, XXXX, I would receive 10 % cash back on my credit card, up to {$17.00}. I activated this offer, then proceeded to make a {$260.00} on XX/XX/2019 ( see Attachment 1 ). I checked online and was only credited {$9.00}. Chase stated because XXXX broke up my SINGLE transaction into two separate charges ( not sure why they processed this transaction this way, see Attachment 2 ), I was only eligible for {$9.00} instead of {$17.00}. I feel like this is an unfair business practice as the consumer does not control how the merchant processes and ultimately charges customers. I contacted Chase two times, and the first individual said they would refer my complaint to card services. I received notification via mail ( see Attachment 3 ), that I would only be credited {$9.00}. I offered to send my receipt to the credit card company and they did not care. They said I would need to contact XXXX. This offer was made to me through Chase, so I don't understand how XXXX would be responsible for crediting me the remaining {$8.00}. I feel that if this is a standard practice, there are likely other consumers that are also being treated unfairly after spending the required amounts of money to qualify for these offers. This seems like an unfair business practice. I upheld my end of the agreement, used this card for this reason, and was told I would not receive the promised amount. While the amount is arbitrary ( {$8.00} ), it's the practice that I feel is abusive, and as I mentioned earlier, other consumers are likely impacted by this practice. In aggregate, who knows -- XXXX has a large customer base and Chase is probably gaining a large amount of XXXX XXXX Credit Card holders through this relationship. If customers are not actively checking their accounts for credits, they would not know that they were losing money promised to them by the creditor. 

Thank You, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-16 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: CA

Complaint narrative:
one XXXX XXXX XXXX account number XXXX date opened XX/XX/2004 is reporting under my equifax credit file, which does not belong to me, this is an inaccurate information reporting under my name on my equifax only. they have not disputed properly for this inaccurate account to be removed every time o call they are not helpful. i am tired and not know what to do. i am trying to rent a place and it has been giving me a problem, this does not belong to me, please have equifax to remove this account from my credit file thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
We purchased Experian family plan. My wife was added to the plan. However, her account is not fully active and therefore many of the profile items are not being monitored. I have called Experian NUMEROUS times, but they will hang up, drop chat, transfer to nobody and are totally unwilling to correct the issue! It is the worst customer service I have ever experienced. And this is one of the companies responsible for my Credit?!?

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 2019-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ProCollect, Inc.
State: CA

Complaint narrative:
I have been trying to get a debt validated on my credit report for the last year and each time I have called Procollect Inc., a third party collector, they have been very rude to me and told me that they do not have send me any proof that I owe this debt because they sent it. I never received any paperwork. I just found out last week that there were too evictions filed against me. I contacted the original creditor about this debt XXXX XXXX XXXX XXXX and they told me they didn't have any information and I would need to contact Procollect Inc. I have not been able to get any supporting documents that I truly owe this debt and it is killing my credit and prohibiting me from renting an apartment.

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 2019-04-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
one public record is reporting under my experian credit file, which i have never filed any bankruptcies, only experian is reporting this inaccuracy and i have placed few disputes but so far it has taken me no where, i will be attaching the few documents that i had also provided experian. please find attached the documents. 
this inaccurate bankruptcy does not belong tome, this is someone else information reporting under my name, please help me to dispute and remove this inaccuracy from my credit file thank you

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 2019-04-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
My XXXX credit report has absolutely no record of any reporting on my 2 credit card accounts with Capital One. I have made many phone calls to both Capital One and XXXX over the past several months but this problem is still not solved. 

XXXX says that Capital One is not reporting. Capital One says they are reporting. XXXX tells me to contact Capital One. Capital One tells me to contact XXXX. Nobody is willing to take action to solve this problem. 

I wrote a letter to XXXX to dispute my incomplete credit report on XX/XX/2019. They responded by sending me a copy of my credit report. However, I was not requesting a copy of my credit report. Rather, I was disputing the incompleteness of the report. 

By failing to properly respond to my complaint within 30 days, XXXX has violated my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc.
State: GA

Complaint narrative:
RE : Toll Violation # XXXX I contacted this agency because I found out I owed money from a third party but never received a bill. I asked them why they never sent one and wasn't provided an answer. In addition to me speaking with them, my assistant spoke with their rep named XXXX on XX/XX/XXXX. She confirmed the total amount due was {$140.00} and that it would bring the account to zero balance. She was asked again to confirm this was the total due and she did. The phone call was taped, so please review it. She also stated all the violations were from XX/XX/XXXX, which didn't seem correct. When asked for an invoice she said they didn't send those. I didn't believe the amount was accurate either, and was never provided with proof it was my car that used the toll road when they claimed I did. I know I used it a few times, but the amount seemed high for the low usage. 

Nevertheless, the total due was paid by money order. Shortly after, a letter arrives stating ANOTHER {$50.00} is due and that these violations are also supposedly from XX/XX/XXXX. 

I am disputing this amount of {$50.00} since I was told {$140.00} was the TOTAL due and this amount was paid. I didn't dispute the {$140.00} even though I should have as I was provided no evidence and never received an invoice. Mistakes are common and it appears I'm being billed fraudulently, or for someone else 's usage. But I chose to pay without dispute to save time. I will now take note of any time I use the toll road to prevent this scam in the future. 

It takes time out of my busy schedule to dispute this company 's inaccurate, unfair and unethical billing. 

I tried to email them but there is no email address on the statement or their website, as far as I can tell. I called them but they kept me on hold way too long, and then their rep asked too many invasive questions in supposedly trying to verify the account AFTER she was given the violation number and my full name and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: TX

Complaint narrative:
I had my identity stolen and that account was opened in my name. I tried to dispute it but the credit bureaus didn't respond and the company didn't respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL

Complaint narrative:
XX/XX/2019 XXXX XXXX {$300.00} Debt collection agency by the name IQ data international called XXXX at XXXX. The debt collectors threatened that our credit would be affected, and he was about to file us as delinquent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
American Express posted a payment to my account that was not initiated by me. I notified them immediately but was told nothing could be corrected until the payment was processed. The electronic payment from an unknown 3rd party bounced. I explained that it must have been a fraudulent attempt to steal that 3rd person 's money. Despite warning AmEx, they have sent me notices about my alleged bounced payment. I have lost certain card benefits and now charged a penalty interest rate ( although I pay my bill in full monthly ). Since this occurred on XX/XX/2019 I have had multiple telephone calls and emails trying to reverse this action for fear they would make a negative credit bureau reporting. I sent a detailed letter with attachments of all correspondence and form letters received on XX/XX/2019 asking for documentation about the alleged payment and that they acknowledge that the " bounced check '' was not from me. Other than paper form letters matching their prior emails, AmEx has not bothered to respond to my XX/XX/XXXX letter. I advised them that I would file a formal complaint is no response in 30. 

At AmEx 's suggestion, I changed the password on all my accounts and logins. There has been no similar incidents with any other of my credit cards or online accounts - only with AmEx.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA

Complaint narrative:
I did a refinance in XXXX of XXXX, to get a better rate and lower payment of {$970.00}. I got both up until they messed up on the escrow account, and in XXXX of XXXX they went up on the payment by {$92.00} per payment. Now the main complaint. In XXXX of XXXX they disbursed a payment to another customers account for insurance to the amount of {$1200.00}. It again threw my escrow account into a tail spin, so they have now increased my payment again by another {$150.00} per payment. I have called them repeatedly and they say they see the issue and are trying to get it worked out. Just to mention that it takes over an hour on hold each time I try to get an update. I held the line for over two hours on Monday XX/XX/XXXX and finally gave up, which brings me to you. In the mean time, I have a payment due in this larger amount and am waiting to pay until they get this straight. I have never been late and need to get this resolved. HELP.

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 2019-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Security Credit Services, LLC
State: CA

Complaint narrative:
The Debt they are trying to collect is time barred and I was never given notice as Ive been on Federal XXXX. I do not recognize the dates or amounts I have not ben given information and they will not give me info on the phone. The date reported on the credit reports are not accurate I never received anything from them in 2019 orto my knowledge anytime

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: AZ

Complaint narrative:
Conns has called me a total of 9 times so far today XXXX XXXX XXXX between the hours of XXXX today. I answered the call on my lunch at XXXX XXXX and spoke with a person named XXXX. I let her know that I am at work and their repeated calls are causing a disruption and that the could have left a message and I would have called back when I was free. I let her know that do to the overwhelming about of calls in a short time span that I feel harassed and want my phone number removed. I also have received a text message as well as an email from Conns today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX was contacted in XX/XX/2018 after trying to collect on a paid mortgage. My home sold on XX/XX/18. Spoke with XXXX who said they lost the check but did show the home was sold. She would track down the check. Contacted XXXX attorney The XXXX XXXX XXXX who represented them in their erroneous foreclosure filing to see if they could help since they know the foreclosure never happened. Exchanged emails with XXXX XXXX. Never got anywhere. I have now called XXXX 2 times holding over 30 minutes without anyone answering. I am on hold again now. My credit report still shows the mortgage due and $ XXXX in arrears. A title search of the property will show it paid and the condo no longer owned my me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-16 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Been trying to resolve this with experian credit bureau for over 30 days they are not updating my report I have spoken to them 4 times each time Iam told something different that dont amount to anything or results.MY problem is I have 3 open up to date credit cards in my name alone all 3 are being reported accurally to XXXX and XXXX with no problem. These cards are over 2 years old to this date experian is not reporting any of them I have contacted my credit card company directly all 3 told me they are and have been reporting to experian last 2 years and the problem is with experian I have sent them copies of my credit cards that they are not reporting and they still will not add them to my credit report.Every time I apply for credit a hard copy is pulled from experian and I am denied because they are not showing any credit history I told them this they wont do any thing about this They keep saying they will summit the dispute but nothing is happening I summited the first dispute the end of XXXX Today I received a dispute letter saying the dispute was resolved they did not resolve any thing they even got my middle name spelled wrong now. As stated above I have sent copies of these cards along with an explanation to experian XXXX. XXXX XXXX XXXX TX XXXX. Still nothing no response or any thing from them I am asking you to please cont act experian and find out whats there problem because I am not getting any were with these people. They are damaging my credit and they dont care thank you very much

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 2019-04-16 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: LA

Complaint narrative:
I have no knowledge of the following inquiry : XXXX XXXX XXXXXX/XX/2018 Please investigate to ensure there is no fraudulent activity

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 2019-04-16 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX and Experian will not provide a report or show my scores. I have sent all the information they need and required to disclose my report. I have tried vigorously for months to try and get my report and scores with no luck. My accounts are not frozen and never I have I frozen them

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 2019-04-16 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: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
I have no knowledge of the following inquiry : Santander Consumer UsaXX/XX/2018 Please investigate to ensure there is no fraudulent activity

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy Federal Credit Union allowed an account to be opened in my name without my permission by someone who stole my information. The account was opened using my Access number and my correct personal information that was obtained as a result of identity theft. I have personally gone into a Navy Federal branch multiple times and explained that the account they are reporting against me and have now sent to a 3rd party collection agency was as a result of identity theft. I have also provided Navy Federal a written notification that I disputed the debt as fraud and told them that the account they are reporting against me is fraudulent, and I also provided them a recent police report. Even after dealing directly with Navy Federal they not only refused to remove the fraudulent account out of my name, they took the account and immediately sent it to a 3rd party collection agency when they plainly were told the account was fraud. This is not my account and I did not open the account and I did not provide my information to anyone else to open an account in my name, however Navy Federal refuses to act in a reasonable manner and have violated the FCRA by sending an account disputed directly with them as fraud to a 3rd party collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 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: EQUIFAX, INC.
State: UT

Complaint narrative:
Since XX/XX/2019, I have tried to verify a freeze on my credit report. 

At XXXX, I receive an error " We are temporarily unable to complete this request. Please try again later, '' which Equifax confirmed by telephone is not a problem with my login, password, network, etc., but is instead an error originating on their end, for which they have no timeline for resolution. 

By chat, Equifax informsed me that they are unable to assist me. 

By telephone, Equifax refuses to assist me, stating that they can not confirm my identity because my answers ( e.g., about current lenders, minimum payments, and ironically, about the current freeze status of my account ) do not match my credit report. 

Assuming my freeze request was executed last fall, I am unable to open new lines of credit or apply for new loans, until Equifax permits me access to my account. Assuming my freeze was not executed, Equifax is denying me my mandated right to freeze my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 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: Bass & Associates, P.C., Attorneys at Law
State: TX

Complaint narrative:
Filed Complaint Case-XXXX on XX/XX/XXXX with the Omsbudmen. Got an email from XXXX saying Bass & Associates mailed a response XX/XX/XXXX. I waited for it and it was never received. I emailed XXXX to request a copy on XX/XX/XXXX. Emails to Bass are not returned. Phone calls never connect after an hour of holding. They have my contact information and have never contacted me. Even if they did, I would not be able to get through to them. And this complaint was marked as resolved. It is not resolved. It has been 6 months.

Company response to consumer: Closed with explanation