vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-07 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: DC

Complaint narrative:
On XXXX XXXX, XXXX, I applied for a XXXX XXXX  Rewards credit card from Chase Bank. I applied for this card after clicking on an online advertisement ( to the best of my recollection, it was an ad on XXXX ) offering a promotion for new card applicants to receive XXXX XXXX Rewards bonus points if they spent {$2000.00} in the first two months of using the card. 

I remember the terms very clearly because it was the *only* reason I applied for this card. I already have three other credit cards and had no need for a fourth, but these terms were attractive enough to entice me, in part because I travel often on XXXX and was about to book a flight that would put me near the {$2000.00} spending requirement. 

I applied for the card and was quickly approved - I booked three round-trip flights for my family the same day. I received an email from Chase with the terms of my card agreement, but nowhere in the documents did they confirm or explain the terms of my promotional deal. 

Over the next two months, I made a point to continue spending with the card to ensure I reached the required {$2000.00} threshold. I also continued to see advertisements for similar deals, promising big bonus points for signing up for a new card. ** I waited for the points to post to my account, but they never did, so I called Chase Bank today. 

A Chase customer service rep told me that the deal I had in fact signed up for was much smaller : only XXXX bonus points if I spent {$500.00} in the first month, plus a {$200.00} credit on my statement. The Chase representative said I may have clicked on the wrong offer inadvertently, but I do not recall at any point seeing those terms offered as an alternative to the much larger deal. That would not have been enough to entice me to open a new card I did not need. 

She also offered no explanation for why I would n't have been eligible for the bigger reward, which was certainly being offered at the time I signed up. Instead, she said there was nothing she could do. 

I believe Chase used unfair and deceptive tactics to earn my business, and is now refusing to honor what I believe I am owed, despite my being what I consider a model customer - paying my bill on time and continuing to regularly use the card. 

**I have attached a copy of the card agreement I received from Chase, with no mention/explanation/confirmation of any reward terms. I have also attached an email from earlier in the year with an advertisement similar to the one I recall seeing many times and eventually clicking on. The image in the add is the XXXX XXXX Rewards Plus card, the same card I now have.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Professional Credit Management, Inc
State: AR

Complaint narrative:
I sent a certified letter to this company on XX/XX/2017, requesting a verification of debt. Although the company did however receive the letter, they continue to call my phone 2-3 time per day. I asked that all communications cease until the medical bill is properly/correctly verified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
XXXX ( XXXX XXXX XXXX ), a wholly owned subsidiary of XXXX placed me in collections for a bill that I never received. My first notice was the harmful, damage to my credit score when I received a notice from a negative report showing up by my credit monitoring service. I contacted XXXX regarding this collection on XX/XX/XXXX. They claim that I owe a doctor for services rendered on XX/XX/XXXX. I told them I never received a bill or notice of collection. They responded that they sent it and it came back. I gave them my address and asked for more information. They tried to get me to pay {$450.00} to have the collection removed from my credit report. I told them I was not familiar with the claim or alleged doctors claiming to have provided me service. I am a senior citizen living on a fixed income. I can can not afford to pay extortion money to Collection Agencies like XXXX who bully senior citizens. I got the name of the doctor and contacted the hospital to try and reach him to no avail. I then contacted XXXX to inquire as to why the bill was not paid. The XXXX Representative reviewed all of the charges and payments for that claim, including 4 different doctors that were paid for services rendered. XXXX had not received any claim from this new doctor. They also indicated that it is " Illegal '' for Doctors to bill patients without first billing XXXX. It is an " Assignment Violation '' to do so. Further, the said doctor never sent me a bill in the first place. It seems very unfair to harm me and my family by further damaging our reputation and credit scores by sending it to collections without ever sending me a bill in the first place. I contacted XXXX again today to complain. I also gave them my XXXX Number, which is also my Social Security Number plus a letter. No wonder, " Identity Theft is so rampant in America today. I have also been harmed greatly by Identity Theft due to this very sort of stupidity in our systems. I asked the lady to bill XXXX if they believe I owe them money and to remove the " Collections '' reported to the three ( 3 ) credit bureaus. I also contacted XXXX the parent company of XXXX to complain about their " Extortion '' attempts to pay them off for removing the Collection report. XXXX said essentially they do not care and to take up the matter with XXXX. I refuse to be bullied and pay extortion to criminals like XXXX. The Fair Credit Reporting Act is a joke. CFPB, DO YOUR JOB!!

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 2017-12-07 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
i recently opened a dispute and i lost it. i first purchased an item from XXXX on XX/XX/XXXX, a pair of headphones they didnt arrive, so i contacted XXXX they day they were  supposed to arrive, XXXX reps said the item was still in their warehouse and issued a refund. again onXX/XX/XXXXi try to purchase headphones again, fpr the amount of {$320.00}, opted in for same day delivery, item was not delivered. i contact XXXX and again they say item was in their warehouse still but couldnt issue refund since cut off time wasnt passed yet. the next morning i receive an email stating the item was shipped from their warehouse onXX/XX/XXXX at XXXX, so i tracked the item but it said it was scanned delivered on XX/XX/XXXX! i contact XXXX and they said they couldnt issue refund since this " issue ' had already happened to me once, the first case above, so i start a dispute with XXXX XXXX  issuer of the XXXX store card, and i lose the dispute because XXXX provided " delivered status '' so now both companies are not helping out, ignoring phone calls, emails that clearly say XXXX used inaccurate information and XXXX XXXX didnt go through a completed investigation. please help here, i am not paying for an item i did not recieve especially {$320.00} dollars!!

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 2017-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
Hi I have been paying my mortgage on time for the past approximately 8 years. I am XXXX years of age and on Social Security XXXX for 8Years. I had no problems paying my mortgage up till now. My initial mortgage co. XXXX XXXX XXXX made a Loan Modification in XX/XX/XXXX with The Making Homes Affordable Program which aloud me a modification to be able to make payments. Then in XX/XX/XXXX XXXX transferred my loan to XXXX XXXX XXXX which transferred the loan to Fay Servicing. Since the transfer my mortgage statement has increased {$160.00} I was told due to interest rate increase an escrow shortage. I was still able to pay that on my fixed income. However I received a letter today saying that my property is in a flood zone and " they '' are buying me flood insurance ( which I have to pay back ) also I know is going to put me in a bad financial situation. possibly in a fearful situation where I might falter on the mortgage. My point is that I have not had flood insurance for approx. 10 years. I 'm not even sure why in XX/XX/XXXX when I modified my mortgage I was not told I required flood insurance and I 'm not sure I 'm even in a flood zone as Fay Servicing is saying. Is this legal since my initial application for my loan modification was signed off with no mention of flood insurance. If so are there any options? My hope is that you understand and assist in any way possible to get though this difficult time. Any assistance would be greatly appreciated. 
Many Thanks in advance Best Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
They refuse to modify or lower my monthly payment they lie and refuse to assist the only thing they want is to take my home I wont give them my home nor move They dont lower my monthly payment They wont put me back on my original payment They refuse to use any program that help me to stay in my home They say denied how is it possible there is no help for XXXX like me Until my current temporary situation changes SLS are XXXX XXXX XXXX I didnt ask for this loan the person got this loan cheated and got away

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 2017-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have numerous times contacted about a name I have never gone by and addresses that I 've never lived at or been associated with in anyway. They are still showing and being ran through on my name.

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 2017-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCC Business Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX DATE REPORTED XX/2017 AMOUNT : XXXX ACCOUNT : XXXX The account balance is incorrect, please delete. 

THIS DEBT WAS HANDLED IN COURT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SUNTRUST BANKS, INC.
State: TN

Complaint narrative:
Issue is not well described in any of your choices. It concerns a policy in place at my bank which is illogical if not indefensible. I have banked at same branch for 10+ yrs., credit rating exceeds 800. An attempt was made to scam me via XXXX which failed. During discussion with my bank mgr., BEFORE depositing check into my account I learned ( Wed., XX/XX/17 ) that if I had deposited the check ( corporate check made out to my name ) it would have been rejected as fraudulent and all MY accounts would be frozen. This was accompanied with discomforting comments about how difficult, time consuming and very expensive it would be to have the accounts released. 

This does not seem fair to me. Why would n't the bank simply reject the check and, possibly, charge me a returned check fee? Since I never asked for cash and understood the check would take some days to clear I do n't see why the bank should " lay claim '' to my money for an indeterminate period of time when they have not parted with any of the bank 's assets. 

I can only imagine the intention is to hold a known, guaranteed amount ( my accounts ) while they reap interest for investing my money over a short period of time from which they will enjoy interest return on investment. On previous occasion I presented bank certified cashiers check for deposit at same branch, expecting the funds to go in as cash. I was told they would be held for one week " to clear ''. I demanded the branch mgr. call the issuing bank to verify the check which he did in front of me. After a brief conversation with the issuer ( 5 min. +/- ), suddenly the full amount of the check was made available as cash in my account. If this were bank policy, law or regulation their initial decision should not have been changeable just because I challenged the absurdity of it. Again, my money ( known to be backed by valid check ) is in their hands for investment for a week with no justification I can see. I am available for discussion in detail if needed, assuming you can simply respond to this submission.

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 2017-12-07 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: TX

Complaint narrative:
multiple accounts opened in my name, have never lived at any of the addresses associated with the accounts. Have tried to dispute on XXXX 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 2017-12-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI

Complaint narrative:
I received a letter/statement datedXX/XX/XXXX from a company called XXXX. It did not contain any alleged amount due, or on whose behalf they were collecting for. i called them onXX/XX/XXXX and talked to one of their agents. He said this was an old XXXX XXXX XXXX ( HFC ) debt that they were acting as a collection agent for. It was either a 2nd or 3rd mortgage. I told him that my house had been foreclosed on in XXXX. I received another letter dated XX/XX/XXXX, which I have attached, that is identical to the first one received. I received a settlement opportunity letter dated XX/XX/XXXX, stating that the amount I owed to them was {$37000.00}, but if I paid by XX/XX/XXXX, I could settle my account by paying half of that amount, which is {$18000.00}. On XX/XX/XXXX I received a phone call from XXXX. I informed the agent that my house had been foreclosed on in XXXX, and that the Statute of Limitations in Michigan to collect on such a debt was 6 years. She indicated that XXXX or HFC had received a payment from me in XX/XX/XXXX, which meant that the statute would still be valid until the middle of XXXX. I said that was impossible, because why would I have continued sending money on a house I no longer owned. She said that even if the statute had run out, I still owed the debt. I said that they no longer had a right to pursue collection after 6 years. I have enclosed 2 HFC statements, dated XX/XX/XXXX, and XX/XX/XXXX. The first statement was the last one I could find in my records before I found the last and second statement. The last payment of {$510.00} was made to HFC, check # XXXX, dated XX/XX/XXXX from XXXX XXXX XXXX. It was cashed by HFC on XX/XX/XXXX. I have attached my carbon copy of the check, and my statement of account from XXXX. As you can see by the HFC statement dated XX/XX/XXXX, the amount past due was {$4000.00}. Since my last payment was made XX/XX/XXXX, if you go forward 8 months to theXX/XX/XXXX statement, figuring a monthly amount due of {$510.00}, that would approximately equal the {$4000.00} that I would have been behind. I have no idea how or why XXXX says they got a payment from me in XX/XX/XXXX. Why were n't they pursuing what they say I owed years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BANK OF THE WEST
State: CA

Complaint narrative:
The first week of XX/XX/XXXXI requested a loan payoff from Bank of the West through their automated phone system. The payoff was {$14000.00}. I obtained a loan through my 401K for  {$14000.00} and obtained a cashiers check for the loan payoff and Priority mailed it to the address received on there automated system. The item was delivered on XX/XX/XXXX and the check according to my bank was cashed on XX/XX/XXXX and has since cleared my bank. The problem is that as of today XX/XX/XXXX no money has been posted to my account to pay off the loan. I have contacted their loan department several times and no one knows where the money is. I went to the local branch to make a XX/XX/XXXX payment so I would n't be late and showed the bank teller the canceled check that had Bank of the West stamp on the back and she called the loan department. Someone said oh the money was in routing and would be applied to my account. That was on XX/XX/XXXX and still nothing has happened. I have had to take time off work to try and figure out what is going on. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 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: Skopos Financial, LLC
State: SC

Complaint narrative:
The response from all 4 of the cfpb complaints that Ive filed against Skopos they have failed to acknowledge the fact that they failed to respond to my previous dispute within the timeframe allowed and by law they are required to remove the negative item if they fail to provide proof that it belongs to me. Ive documented this, I will be going to media about this company along with proceeding with the lawsuit. My attorney XXXX XXXX has all documentation from these disputes. We will be seeking wages for the stress that this is causing, and as stated I will be going to the media about this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: M. G. Credit, Inc.
State: FL

Complaint narrative:
The collection company in question is attempting to collect a debt and are not licensed in the state of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Portfolio Recovery is reporting a collection on my credit report all 3 credit bureaus. Portfolio Recovery is not a licensed agency there is a office in XXXX TN but does not show the name of a location manager which is required. Unlicensed activity in the State of Tennessee potentially subjects the debt collector to civil and criminal prosecution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I sent XXXX XXXX XXXX a debt validation on XXXX XXXX 2017. Amount was for XXXX. XXXX XXXX XXXX never responded. Now XXXX XXXX XXXX is suing me and I did not receive any documents from them. Only documents I received is from XXXX XXXX XXXX XXXX stating that XXXX XXXX XXXX is suing me. The debt is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I have been struggling with my student debt since XX/XX/XXXX. In 13 years I was never advised repayment options by XXXX or navient. I was only advised that I could keep asking for forbearance and deferment. I discovered consolidation and income based repayment myself after I filed bankruptcy. Now my debt has doubled since XX/XX/XXXX. I was never advised about the income based repayment and even then this increases my balance by XXXX every mth. I filed BKXXXX XX/XX/XXXX and filed a complaint with Ombudsman that required they remove all payment history form XX/XX/XXXXto XX/XX/XXXX and they refuse. I would like this acct investigated since it opened. They benefitted from my hardships and now I have 3 closed accts that reflect negative on my credit when I have been diligent in rebuilding my credit. When I call Navient they tell me it 'll be resolved and someone dropped the ball.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation
State: TX

Complaint narrative:
I had my wife contact this company concerning a debt that they are reporting on my credit with XXXX XXXX XXXX as the original account owner. My wife informed them that this was my mother 's loan and that she filed bankruptcy so I am not responsible for this account. XXXX XXXX, the collection agency reporting on my credit is also not Surety bonded in the state of Texas and per the Texas Finance Code Section 392.101 they can not legally collect

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation