vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-01 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hello, I currently hold a Chase Freedom XXXX card, which offers rewards on general purchases at a rate of 1 %. Sometimes, though, Chase offers a 5 % reward on certain categorical purchases. From the months of XX/XX/XXXXthrough XX/XX/XXXX, it offered 5 % cash-back on gas-station purchases. 

On XX/XX/XXXX, I purchased a {$200.00} gift card at XXXX, whose primary form of business is the sale of gasolines. Indeed, I have earned 5 % rewards at XXXX through Chase Freedom before, when Ive purchased gasoline at their pumps. This time, however, Chase assigned me only 1 % for the purchase. 

When I asked Chase to explain why I earned the lower amount ( rather than 5 % ), several Chase customer service agents told me that gift cards are not included. That would be sensible, except that they have been unable to point to any language in the credit card agreement that would support their conclusion. When I pressed them, they repeatedly quoted policy and ultimately shared with me the following : What types of merchants are in the 'gas stations ' category? 
A. Merchants in the gas stations category sell automotive gasoline that can be paid for either at the pump or inside the station, and may or may not sell other goods or services at their location. Please note that some merchants that do not specialize in selling automotive gasoline are not included in this category ; for example, truck stops, boat marinas, oil and propane distributors, and home heating companies. 

The language is available at : https : //www.chase.com/index.jsp? pg_name=ccpmapp/shared/assets/page/Online_Rewards_FAQ The above language, however, does not dispose of the matter. It merely defines merchant, which would include XXXX as a gas station. When I wrote back and explained that to them, I added that that I was frustrated by their inability to show me any language that supports their position. I then was told not to write them again. Instead, they want me to begin the process over again by calling into customer service ( despite that I had already spent time writing and responding to several emails ). 

At this point, my main complaint is that Chase is not fulfilling its promises regarding my card. If it has legitimate reason for not applying the 5 % cash-back rewards, it should point to the appropriate policy language. It has not done so. I fear it is engaging in a bait and switch tactic. Perhaps they are doing this to many other unsuspecting customers. 

Please help. 

Thank you, XXXX-XXXX XXXX XXXX-XXXX-XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-01 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Best Buy Credit services have been actively doing inquiries on my credit report on the dates listed below. The card is not active, they closed it in XX/XX/XXXX. Please stop making inquires to my credit report.

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2018-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Companies closed my bonus checking accounts from XXXX XXXX XXXX  and Saving Account. XXXX XXXX XXXX, Checking and Saving Account, XXXX XXXX XXXX, Saving and Checking Account. XXXX XXXX, Saving and Checking Account. XXXX XXXX 401k Plan ARI Accounts. I haven Internet Online Business Service For Products on XXXX and this is what happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 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: Mid-South Adjustment Co., Inc.
State: AR

Complaint narrative:
I have 2 separate items showing on my credit report from Mid South Adjustment. The first item is showing a balance of {$1000.00} and the 2nd is showing a balance of {$1600.00}. It is showing as a physical therapy institute. I have never had physical therapy. These accounts are not mine. I sent over a Debt Validation Letter to them and the attached return Receipt shows that it was received on XX/XX/2018 by someone named XXXX. They still have not sent me any of the paperwork that was requested in the validation letter and it has been over the 30 day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/2016 I submitted a balance transfer request through my Capital One online portal to pay off my XXXX XXXX XXXX in the amount of {$1600.00}. After a month or so I saw that Capital One added this debt to my account, but my XXXX XXXX XXXX never got paid off. After speaking to Capital One they confirmed the account number they sent the electronic check to, but it went to a XXXX account. I am not a XXXX accountholder nor do I have a XXXX so they sent it to the wrong bank. 

I have tried to resolve this issue with Capital One 's investigation team for over 2 years but they have essentially wiped their hands clean with it and have stated that because the check was cashed by XXXX there is not much else they can do for me. I have a copy of the check that Capital One sent to XXXX, I have copes of all my statements for my XXXX XXXX XXXX showing that there was never a payment of {$1600.00} reflected on the account, and documentation of the letters I sent to Capital One trying to get this resolved. In addition to this, I also have all the call logs of when I tried to rectify this situation with Capital One. I also have the employee IDs of the Capital One representatives who were on the calls. 

In essence I am now paying a double debt and the fact that Capital One has decided to not assist anymore leads me no choice but to try and find resolution in another way. As I can not afford a lawyer to help me with this, I am hoping through this portal I can gain some assistance as well as much needed resolution to a problem that began over 2 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: MO

Complaint narrative:
I applied for Public Service Loan Forgiveness from the U.S. Department of Education ( XXXX XXXX ) and was told I do not have any ELIGIBLE loan types. With all due respect, I think they are mistaken and may have inaccurate information. I called XXXX and was told to contact my current loan servicer, XXXX. Before XXXX, my servicer was XXXX XXXX XXXX XXXX XXXX directly after graduation from the University of XXXX  in 2006. It seems possible that a data entry error could have occurred in the transfers.

I have attached documents that I believe prove the eligibility of my loans. If my student loans are not eligible for PSLF, I would like a thorough explanation concerning WHY they are not. I see William D. Ford Direct Loan Program as well as Federal Family Education Loan Program on the consolidation papers. I simply do not understand what the problem is. If I can find evidence that the loans ARE eligible, I can and will re-apply for the loan forgiveness. Thank you for any help you can give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America corruptly and fraudulently added a charge back to my account that was removed after the legal deadline. I responded to the Dispute with written documentation. 

Maybe, with Bank of Americas continued violations of our nations immigration laws with impunity when Obama was President they feel theyre allowed to break other federal laws governing credit card disputes. However, it is very clear Bank of America broke the law and I am a victim here.

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 2018-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I never open any account with Wells Fargo and they been taking money out of the account they say I own them money witch at this point they own me a lot of money but now they want to close the account on XX/XX/2018 for what I have no clue

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 2018-10-01 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: MO

Complaint narrative:
I have been disputing incorrect information on my credit reports for over a year, I have sent faxes, fraud reports and filed multiple complaints. XXXX had my personal information incorrect on my reports also my address nut refuse to remove, I have requested the information they have to verify the correct addresses collected also bankruptcy information they refuse. information is supposed to be verified with a signature or i am supposed to be provided the information from any 3rd part they are using to verify court information in which I have never received. I am requested all inquires unauthorized removed also all address but my correct address XXXX XXXX XXXX. I am showing multiple companies pulling my credit report from all 2 bureaus with no authorization.

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 2018-10-01 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: MO

Complaint narrative:
I have been disputing incorrect information on my credit reports for over a year, I have sent faxes, fraud reports and filed multiple complaints. XXXX had my personal information incorrect on my reports also my address nut refuse to remove, I have requested the information they have to verify the correct addresses collected also bankruptcy information they refuse. information is supposed to be verified with a signature or i am supposed to be provided the information from any 3rd part they are using to verify court information in which I have never received. I am requested all inquires unauthorized removed also all address but my correct address XXXX XXXX XXXX. I am showing multiple companies pulling my credit report from all 2 bureaus with no authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
EXPERIAN CURRENTLY REPORTS XXXX XXXX STUDENT LOAN TRADELINE/ACCOUNT XXXX XXXX EXPRESSLY DENIES [ LETTER PDF ATTACHED ] REPORTED TO ANY CONSUMER REPORTING AGENCY. XXXX XXXX, former prepayment student loan servicer, held my ( {$10000.00}, XX/XX/XXXX ) student loan briefly ( XX/XX/XXXX-XX/XX/XXXX ) prior to said loan entering repayment ( XX/XX/XXXX ) to XXXX XXXX, current- and only loan servicer for said loans repayment. No payment was ever owed XXXX XXXX for said loan. No payment was ever made to XXXX XXXX for said loan. There is no repayment history for said student loan by XXXX XXXX. Repayment of said loan is solely serviced from repayment entry ( XX/XX/XXXX ) to present ( XX/XX/XXXX ) by XXXX XXXX. XXXX XXXX replied to my prior XX/XX/XXXX CFPB complaint stating : According to our records, the loan ( s ) referenced in the information you provided is/are not serviced by XXXX XXXX, nor is XXXX XXXX furnishing any information regarding such loan ( s ) to the consumer reporting agencies in your name. ( See, Letterhead letter from XXXX XXXX to me dated, XX/XX/XXXX, paragraph 2, lines 1-3, pdf, attached. ) In direct contradiction to XXXX XXXX XX/XX/XXXX letter, EXPERIAN currently reports XXXX XXXX denied student loan tradeline/account report for said loan. ( See, EXPERIAN report number : XXXX ), dated XX/XX/XXXX, XXXX XXXX tradeline account shown in my credit report, pdf attached. Contrast, attached pdf of XXXX XXXX letterhead letter, signed and dated, XX/XX/XXXX, unequivocal express denial that said EXPERIAN XXXX XXXX [ {$10000.00}, XX/XX/XXXX ] student loan report exists in any credit report. ) The attached EXPERIAN pdf XXXX Mae loan report copy unquestionably contradicts XXXX XXXX XX/XX/XXXX letter ( copy attached ), by which letter XXXX XXXX expressly repudiates EXPERIANS reporting of said student loan account. EXPERIAN should promptly permanently delete said student loan account XXXX XXXX expressly denies reported to any credit reporting agency. 


REMEDY SOUGHT : EXPERIAN promptly ( within five business days of receipt of this CFPB complaint ) permanently deletes XXXX XXXX denied student loan tradeline/account report for said student loan ( EXPERIAN Report number XXXX for XX/XX/XXXX, XXXX XXXX account number : XXXX, pdf attached ) from my credit report.

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 2018-10-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
At the end of lease my vehicle was inspected and I was charged for extra wear and tear. The letter they provided detialed that if the balance is not paid by XX/XX/2018 it will be reported to the credit reporting agencies as charged off balance. 
I checked my credit report a week ago and saw that this balance was already reported to the credit bureaus as late payment. I called Hyundai Finance and was told they could not do anything about it. I condemned their letter and explained to them that you were not supposed to report anything untill the date you mentioned on the letter. The customer service apologised and said they could not change the past even if I piad the balance off before XX/XX/2018. 
I included the letter for you to see it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 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: SC

Complaint narrative:
Experian isnt investigating anything, just responding with letters and false claims of investigations. Specifically I outlined that someone has established an alteranate but similar social security number as mine, I outlined that they are using a previous address to obtain credit and debt, and Experian falsely states they verified an account is mine. This statement is impossible in respect to public records are only verified by last four, so I in my dispute requested that Experian verified the full social security number which they cant so instead they respond with a false verification. Additionally they refuse to investigate a credit card from XXXX XXXX on my credit report that was opened with XXXX not my social security number and not my address.

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 2018-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP
State: UT

Complaint narrative:
I lost my card and reported a fraudulent transaction in XX/XX/XXXX. I requested a new card then and am yet to receive it! There is money on my account but I can't access it because I don't have a card. I can't even login to the website to request a transfer to another bank because my online account is inactive due to a " problem with my card. '' Ever since I first called to report the card lost or stolen ( and supposedly was sent a new card - they verified my address and everything ), whenever I call I just go around in circles because it asks for my card number ( which I don't have ). I also filed a complaint with the BBB and they called me in response to that, but they called from a blocked number, so I didn't answer. And the voicemail they left just told me to call the number on the back of my card - but I don't have a card to look at the number of!! And so I called the general number I was able to find online but after going around in circles due to not having a card number, I reached someone a couple different times and either got hung up on or disconnected. The next several times I tried to call, it said my wait time would be upwards of 30 minutes, I could only wait about 15 due to already wasting time on the needless phone tree.

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 2018-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
I tried to put a freeze on my credit report account with Experian.

I first applied on line, but at the end of the process received a statement that they were unable to honor my request based on the information I entered and I would need to send them copies of numerous documents ( including gov't ID, utility bill, bank statement, insurance statement, etc. ) to verify my identity. I felt that this was unduly cumbersome and unnecessary.

I then called them and answered another array of questions, and was informed at the end that they had placed an alert on my file with them and the other two agencies, but no mention was made of the freeze. This all occurred with an automated system and I was never able to talk to an agent to resolve the problem.

I believe that Experian is deliberately obstructing my ability to freeze my file, as they are required to do by law.

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 2018-10-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: OH

Complaint narrative:
On XX/XX/2018 I spoke with XXXX XXXX XXXX in regards to a collection account they were handling for XXXX XXXX. The representative said they would accept {$220.00} as payment in full, I paid the {$220.00} over the phone and it has been taken from my account. They are still reporting that I owe the remaining balance of {$110.00} to all 3 credit bureaus and will not report this as paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TCF NATIONAL BANK
State: CA

Complaint narrative:
Loan was paid off on XX/XX/2018 There is an overage of {$210.00} owed to me. 
XXXX XXXX XXXX refuses to release this overage back to me. They state they need time to review the overage and then they would issue a check to me. It has been 3 weeks and they have yet to issue a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCC Business Services, Inc.
State: TX

Complaint narrative:
I began receiving debt collection calls from XXXX-XXXX-XXXX, NCC Business Services. The first call that I can remember was Friday, XX/XX/2018. 

The debt is regarding a past due rent at an apartment complex, however I have never received any documentation from the collection agency. The amount is approximately {$1000.00}. 

The representative on the phone tells me how much I owe, but has not provided by mail any sort of documentation. I have told the representative that the address on file is not correct, but no attempt to fix has been made. 

I am willing to pay the portion of the debt I am responsible for, but not without written promise that it will not be reported to credit bureaus. The collections agency refuses. Im obviously not willing to pay without this written promise, as well as not being able to see the documentation. 


To this date, I have no received any documentation from collection agency regarding the amount or that I have right to dispute. I have not lived in former apartment complex for over a year.

Company response to consumer: Closed with explanation