vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-12 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: PR

Complaint narrative:
Chase XXXX XXXX XXXX XXXX XXXX XXXX XXXX I make a {$1000.00} purchase of XXXXXXXX Points   and never received back my 20 % ( usd {$200.00} ) discount. I wait about 3 months, call customer service many times and never received my benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Chase Bank has been harassing me with nearly 50 credit card offers per year. I was lured into an application for a business card and they have been torturing me ever since, with a series of unending requests. They have now damaged my credit score from XXXX to XXXX.

I applied online but then a phone call was required for additional documentation. They told me to go to the bank with the document ( EIN letter ) and said nothing else was needed. Then they have been calling and harassing me for further unspecified document. They wont tell me what it is. I think its a physical business address needed, which I already took to the bank. The agent in the XXXX used profanity and hung up. I was so upset that I was cursing to myself long after she used profanity and hung up on me.

Ive spent 2-3 hours calling and a 90min trip to the bank. These people are frauds and incompetent degenerates who should not harass customers as such. They know once you apply you are stuck and face denial and further credit damage if you dont accept their torture and provide the unending documents. THE CFPB and FTC just impotently watches and allows this blackmail to continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
Hi I opened this account back in XX/XX/2016 at a branch in XXXX XXXX. At the time of account opening, I was advised that there won't be any fees associated with the account, and that this account also qualifies me for a HSBC credit card that I can try to apply for. I did not apply for that card in the end. 

As this account was primarily intended as a savings account, I had left this account alone as I didnt want to touch the funds unless absolutely necessary. However, I had fraud activity on my other accounts recently, I began to review my other checking accounts as well, including my HSBC account.

It has come to my attention that HSBC has been charging me {$25.00} each month, even though I was told I wouldnt be charged any fees. I spoke to the customer service representative over the phone, and their response was that he doesn't know whats going on either, but this is the account type that my banker had set the account up as, and that theres a {$25.00} fee for this account. 

I am personally not familiar with the different account types and tiers that HSBC offer, but I was very specific with that banker that I didnt want an account with a monthly fee of any sort.

HSBC has refused to help with my situation, so I am hoping CFPB can. Please help. 

Thank you so much.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Trans Union continues to report companies with {$0.00} balances as delinquent such as XXXX XXXX, XXXX XXXX   and XXXX XXXX.

It is also reporting multiple inquiries to whom a lot of have given no consent to run my credit.

It is also reporting a new account XXXX XXXX XXXX that I have had no contact with and am not the designated owner of the account.

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 2018-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
In XX/XX/XXXX Wells Fargo and I came to a resolution about fees and charges on my loan. I paid the amount requested and assumed that we were all XXXX out. The company sent me a refund check .I was fine until XX/XX/XXXX at which time {$25.00} late fees and and a {$12.00} fee started to accumulate again. I paid my loan in a branch on the XXXX  of each month and the bank agree that all principle and Interest payments were made on time. I began again the long road of trying to call and get answers as to why the fees?

calling from a branch with a banker. Being on hold for hours. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I received letters with promises to resolve my issues in a timely matter. After no resolution I requested the attorney General assistance. It looked promising when I spoke to XXXX. he listened, but never called me back as promised. Then a lady named XXXX   called ( ext. XXXX ) To say she had gotten the case and had to review all information She never listened and again never resolved the issue. I again called the Attorney General and he told me to contact you and the Secretary of the State.

This is having a negative affect on my credit score. Stopping me from buying a vehicle I need and a home I need. I am a XXXX   veteran and it is time to have a one story home and easier vehicle for transport.

I have overpaid the account by {$830.00} and do not have a clear title. I know daily they add interest, fees and charges.Please I need your assistance, as soon as possible.

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 monetary relief
Consumer complaint received 2018-09-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Over the years I have tried working with Navient and prior to losing my job I was making on time payments. 

My issue with Navient is not only their refusal to work within my budget but it is also their behavior in an attempt to collect payment. Since XXXX they have aggressively contacted my mothers ex husbands family as well as her current husbands sister and children. These are people I have no contact with or relation to. 

They have also been incredibly aggressive with my grandmother on several occasions making her think she will lose her home. 

In XXXX of this year my grandmother was tricked into sending a payment which she was told would set my account current. My grandmother at the time was XXXX years old and  was presenting signs of XXXX. 

In XXXX of this year I contacted Navient again and asked what I could possibly do to come to an agreement on a payment that would work within my budget. I was not explained any options just given a set amount I could pay. This amount was not in my budget but I said for that month I could try and make it work and that I could send in {$250.00} and would make the remaining balance on my next payday which was a Wednesday but they said they needed payment by I believe that Monday. It is clear they would rather people default on their loans. 

Today I received an email that they might have additional options for me to be able to make payments. I immediately emailed Navient back and asked if they could please email me my options so I would have something in writing that I could go over instead of just listening to total payment amounts over the phone. 

I am more than willing to make payments in my budget but they are not willing to work with me and they would rather call and harass non family members ans tell them I have defaulted on my loans. 

I have done everything I can to try and save money, I was working XXXX jobs just to try and make ends meet with studen loan payments. 

I am currently trying to have my mortgage lowered to allow myself more cash flow that can be put towards my debt. 

Please let me know if anything can be done as I would love to make my loans current and not deal with the stress of daily harassing phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 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: MD

Complaint narrative:
I CANT GET A HOLD OF THEIR CUSTOMER SERVICE. THEIR WEBSITE REJECTS ME AND TELLS ME TO CALL THEIR PHONE NUMBER AND THEY DO NOT GIVE ME AN OPTION TO TALK TO AN ACTUAL HUMAN BEING. THERE ARE ONLY LIKE 4 OPTIONS AVAILABLE THROUGH THE PHONE AND IF MY PROBLEM IS NOT ONE OF THEM, THEY SAY " I'M SORRY PLEASE VISIT US ON OUR WEBSITE '' THEN I GO TO THE WEBSITE AND THEY SAY " I'M SORRY PLEASE CALL US ''. THIS IS RIDICULOUS I'VE BEEN TRYING FOR DAYS TO TRY TO TALK TO THEM FOR HAVING THE WRONG SOCIAL SECURITY NUMBER THAT'S PROHIBITING ME FROM GETTING MY STUDENT LOAN WHICH IS INTEGRAL TO ME.

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 2018-09-12 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: CITIBANK, N.A.
State: TX

Complaint narrative:
There are 70 pages on this attached scan : Pages 1-16 from XX/XX/XXXXI showed citbank how XXXX XXXX XXXX   illegally increased my move after beginning to load my property per 49 CFR 375.401.

Pages 17-20 XX/XX/XXXX was a reply from me to citibank with receipts they asked for.

Pages 21-24 Was me sharing 12 news stories about XXXX XXXX XXXX  onXX/XX/XXXX.

Pages 22-34 from XX/XX/XXXX Was me again explaining to citibank how XXXX XXXX XXXX   illegally increased my move after loading began.

Pages 35-69 from XX/XX/XXXX was me providing citibank with the indictment info about XXXX XXXX, who is the employee of XXXX XXXX XXXX that signed the contract ( yousee it twice in this scan ) citibank keeps showing me I was involved with from XXXX.

Page 70 was the final letter mailed to me from citibank, saying they have declined my third dispute.

On XX/XX/XXXXwhen I called after receiving the above final letter from citibank, I requested a Supervisor, and his name was XXXX. XXXX described to me per the federal guidelines a dispute is only allowed to be opened once and never opened again. XXXX could not explain to me why my charge was allowed to be disputed three times. XXXX  declined to give me any contact information for his, and said this is not allowed. He did however attempt to offer me a {$250.00} credit for citibank incorrectly advising me that I could dispute a charge three times. I declined the credit, and requested he " XXXX '' research all three disputes. He stated he does not do that as part of his job. He stated no one has a job to do this. But he did say he would call me back. On XX/XX/XXXX someone from citibank called me back and left me a voicemail, saying if I have any issue with the resolve of my last dispute to contact them back.

OnXX/XX/XXXX I tried to contact XXXX again, I specifically left a message for him again.

On today XX/XX/XXXX I tried again to contact XXXX, I specifically left a message for him.

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 2018-09-12 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: CA

Complaint narrative:
My complaint is with Trans Union credit reporting agency. For years I have tried to get my report online. They deny me every time stating that they can not confirm my identity. I called the number listed and tell them that when I answer their questions to get my report I am answering the question correctly but the information they have about me must be wrong, consequently they think I am giving wrong answers. I have tried and failed to get them to change my personal information and fix the problem, but they refuse. They don't believe I am who I say I am. Whomever gave them the information to cause this problem must have given them the wrong information about me. These companies have too much power over our personal lives when they report information about us that is wrong. And yet I have no power over this unfair situation.

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 2018-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
OnXX/XX/2018, I responded to an online offer ( Q2 XX/XX/2018XX/XX/XXXX Small Business Checking Offer ) from SunTrust Bank to open a Simple Business Checking Account. The terms of the offer were that if I made one or more deposits totaling {$1500.00} into the account within 30 days of opening the account, I would receive a reward of {$200.00} within 8 weeks of meeting the requirements. I deposited {$1000.00} on opening the account and an additional {$640.00} on XX/XX/XXXX. Therefore, my account should have been credited with the reward byXX/XX/XXXX. I have not received any reward. I made several inquiries at a branch and on the phone. On XX/XX/XXXX, for example, I was told on the phone that I met all the requirements of the offer and should receive the bonus in XX/XX/XXXX. On XX/XX/XXXX, I spoke to XXXX   on the phone. She also told me that I met all the requirements. However, she then discovered that there was a note that someone from SunTrust tried to call me on XX/XX/XXXX to discuss a missing promo code on my online application. She said that the note said that they left a voice mail, but I could not find any voice mails from SunTrust. I explained that I definitely remember seeing the promo code on the application. She took some information from me and told me she would try to resolve the problem. Today, I called SunTrust again and spoke to Mr. XXXX, who repeated that someone called me on XX/XX/XXXX but said the person didnt leave a message ( contradicting XXXX ). He told me I was unqualified for the reward because of the missing promo code, and that SunTrust would not pay it.

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 2018-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JH Portfolio Debt Equities, LLC
State: TX

Complaint narrative:
I have disputed several times about this debt and this company is refusing to delete it off my credit report after the statue of limitations has ran out. 4 Years in Texas. They have also never sent me validation of the debt and I have been disputing for over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT

Complaint narrative:
Good evening, our home loan servicer is SPS ( Select portfolio Servicing ). Our insurance claim check was taking applied to our mortgage, without our permission. Then we received our XXXX tax form for the year XX/XX/XXXX from SPS. Box 1 Mortgage interest received from borrower showed XXXX, SPS added the XXXX insurance check to that number. On XX/XX/XXXX I went down the the IRS office in XXXX Mass and asked for a copy of what SPS reported to the IRS in XX/XX/XXXX. We found out that SPS reported XXXX as mortgage Interest received from payer ( XXXX XXXX ) to the IRS for the year of XX/XX/XXXX.

This is tax fraud.SPS XXXX to me and what SPS reports to the IRS Should be the same dollar amount. I believe the reason why SPS did this is to make the mortgage securities more marketable. So they can sell the loan for more money. We have never been late on our mortgage payment to SPS. This is a Ponzi scheme. I am asking for SPS to have there licence to operate to be revoked. and no longer do business. We are not going to have a XX/XX/XXXX mortgage event again.

I have copies of the XXXX they sent us for XX/XX/XXXX and the XX/XX/XXXX XXXX  that was reported to the IRS from SPS.

Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: World Acceptance Corporation
State: TX

Complaint narrative:
I have disputed several times about this debt and this company is refusing to delete it off my credit report after the statue of limitations has ran out. 4 Years in Texas. They have also never sent me validation of the debt and I have been disputing for over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: LA

Complaint narrative:
Midwest Recovery Systems is reporting a collection to the credit bureaus that Ive never applied for or received. I have made several attempts to contact this agency in an attempt for verification, but to no avail. I have disputed this account with the credit bureaus, also requesting verification, but I have not been successful in my attempts through this course of action either. I have never been notified or received any notification of this debt or verification via signed contract and/or proof of deposit. I have never received a payday loan from XXXX XXXX XXXX XXXX or any other payday loan organization. This account does not belong to me and Midwest Recovery Systems can not validate this account as belonging to me. They have refused to properly notify me of this alleged account and refused to remove this account from my credit report. This account is fraudulent and the company appears to uphold and participate in fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Moneytree Inc
State: CA

Complaint narrative:
I am periodically receiving harassing telephone calls from MoneyTree. I do not believe that I owe them what they say I owe. According to the FCRA they must verify their information and they have not done so. I am in the process of disputing this information via XXXX, XXXX, and XXXX. I am not interested in discussing any information with them via the telephone. If they are interested in talking with me they must respond to me in writing ONLY!

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 2018-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Investment Retrievers, Inc.
State: PA

Complaint narrative:
I co-signed for my sons XXXX business which went bankrupt shortly after I settled all of the debts except for a vehicle that was being used by my sons business partner who kept the vehicle while they were trying to locate him.When they finally did get the car back they sold it at auction for considerably less than market value declaring I was responsible for the balance which was XXXX dollars which I didn't think I was, this was in 2008 .never received any correspondence until recently, when they say I now owe them almost 50.000 dollars which was interest added, I can not meet this financial burden as I am XXXX years old and still working to pay a mortgage and other household bills. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
TRANSWORLD SYSTEMS has reported a collections on my report. They have reported a MEDICAL BILLING on my credit report. I have sent over repeated letters by certified mail and that have not responded. They have not validated the debt upon written request. They continue to Report this claim. XXXX claim that have received validation from t he creditor and have kept this derogatory remark on my report despite my multiple letters to them as well.

PLEASE Be advised that pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sect. 809 Both TRANSWORLD SYSTEMS & XXXX  are in both violations of the 1996 Hippa Act, The law clearly states they must provided Evidence/proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

Proof that you are registered to transact business and/or collect in my state.

Proof of your authorization by law for your collection of information.

Evidence of whether this debt was assigned or sold to : TRANSWORLD SYSTEMS PLEASE Be advised that pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sect. 809 ( b ) that your claim is disputed and validation is requested.

Any Evidence of Medical Billing is a violation the HIPPA ACT 1996 TITLE II PRIVACY AND SECURITY which are a set of regulations and guidelines for the electronic transmission of healthcare data, and sets up guidelines for the code sets used in medical billing and coding.

ANY MEDICAL INFORMATION AND INCLUDING MEDICAL BILLING MUST HAVE A HIPPA RELEASE FORM.

Having Any Of My Medical Information Is A Violation Of Hippa Law. Legal Action Will Proceed.

Collection Agencies do not fall under Health Information Exchange ( HIE ) Which pertains only to Doctors, Nurses, Pharmacist other Health care providers to access and securely share a patients vital medical records.

Company response to consumer: Closed with explanation