vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-05 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have an  XXXX   XXXX  card which is supposed to pay 5 % on supermarket purchases after an yearly limit of {$6500.00} at 1 % is met. My reward year resets every  XXXX . I met the {$6500.00} in  XXXX  and was receiving 5 % in  XXXX . Suddenly in  XXXX , I did not receive 5 % for another  XXXX  at supermarkets ( instead only received 1 % ). The reward year again reset in  XXXX . So, I was forced to spend {$13000.00} in a single reward year.     I was not paid the difference inspite of several hour long calls in which the representatives were not able to explain why I did not get it, but they still would not credit the difference and kept raising the issue at different departments. I am finally giving up after explaining this to several agents over several hours. I appreciate if you could look into this and credit me the cashback I rightfully earned.     Account  Ending  in  XXXX . Name on account  XXXX   XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: MA

Complaint narrative:
CAINE & WEINER COMPANY INC,  i was contacted by this company about a debt i was presumed to owe   XXXX   XXXX   (  XXXX  $  ).  I asked kindly for them to forward something in writing. they stated they already had and would not do so again. I tried to explain i had no record and that possibly i had misplaced what had been claimed to be sent. still no luck, then i tried to further explain that with all the robots and scam collection efforts in this country that i really needed this confirmation, I received no less than  4  calls from the same collections person presumably in California, same thing each time, they did insist i contact progressive, I asked if they were the ones servicing the debt? answer yes, again asked them to confirm by mail and assured them we could do something about the debt than all would be happy, still no luck they were unwilling and somewhat inconsiderate and unhelpful in the collections attempt, also disputed was the amount, they would have no part of this, ultimately  XXXX  did contact me about an error in the amount (  XXXX  $  )! !! but by this time the debt had been reported to the credits agencies b y Caine & Weiner.  it would seem unfair if not illegal for a company or person be able to report a debt for collections if they are unwilling or unable to service a debt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 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: OR

Complaint narrative:
I AM THE VICTIM OF IDENTITY THEFT AND ATTEMPTED TO GET  XXXX  ACCOUNTS BLOCKED VIA FCRA  605B.   XXXX . )  XXXX   XXXX   XXXX . )   XXXX   XXXX  . THEY HAVE MADE IT EXTREMELY DIFFICULT TO GET THIS BLOCKED. PLEASE 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 non-monetary relief
Consumer complaint received 2017-05-05 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: OR

Complaint narrative:
I AM THE VICTIM OF IDENTITY THEFT AND ATTEMPTED TO GET  XXXX  ACCOUNTS BLOCKED VIA FCR A 605B. 1. )   XXXX   XXXX   XXXX . )   XXXX   XXXX  . THEY HAVE MADE IT EXTREMELY DIFFICULT TO GET THIS BLOCKED. PLEASE 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 2017-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My Husband was a victim of identity theft, there were multiple fraudulent checks totaling {$4400.00} written under his name, taken to the bank to be cashed against the account in some transactions the perpetrator deposited money from the check and withdrew from the account. these transactions were made in different bank of America branches none of this transactions were made my my husband or myself. the incidents were reported to bank of america, claims were submitted and I was told that a fraud  specialist  was going to contact me but no one ever did. I was told these claims could take from 30-60 to be solved I waited and gave them enough time to do their investigation. after over 60 days and numerous phone calls I told by one of the representatives on  XXXX   XXXX ,   XXXX   that according to the notes from the fraud annalist the claims had been denied and bank of america is not going to replace the money. as far as know the money in in the bank is insured by the FDIC. none of these transactions were made by us and the money should be replaced. the bank should make an investigation and pull the cameras from the branches where the transactions took place and they will see is not my husband who made the transactions. I filed a police report, and an identity theft report with the federal trade commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 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: NV

Complaint narrative:
XXXX   XXXX , Experian,  XXXX , an d   XXXX   XXXX   XXXX  . The credit bureaus are claiming I owe for a student loan. I have from the   XXXX   XXXX   XXXX   a  letter from them stating all student loans are cleared.

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 2017-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
After chapter  XXXX  completion my credit report is full of spiteful errors from creditors. Please review the following documents. I recently completed my chapter  XXXX  and all creditors should be listed correctly with a  XXXX  balance. Review carefully and follow the 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 2017-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
We have received repeated phone calls from phone  XXXX   XXXX . The caller indicates he works for a dept collector and he is trying to collect a {$1000.00}  ( if I remember correctly ) dept against ou r  XXXX   Card.  Once he mentioned our  XXXX  card I hung up immediately. Our  XXXX  card is our emergency card and we have not used it in a long time. Immediately following my hand-up I called  XXXX  to ensure the card had not been illegally used. The card has a  XXXX  balance with no indication of activity. The same individual has called back twice I told him the second time I called  XXXX  and they verified I do n't owe then anything, I then hung up. tonight he called again and I just hung up and then put their phone number on my blocked number list. The conversations never lasted long enough to determine who the person claims to work for.     It 's clear they are trying to scam us. Thank you for your attention to this activity.  XXXX   XXXX ,  XXXX  XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
X/XX/2017    sent a  XXXX  letter asking that they provide me physical proof of how they verified an account when I received an email from the actually company stated she cant find me in her systems. Yet TransUnion is saying they verified accounts belong to me. They didnt not investigate anything. I would like these items removed immediately.

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 2017-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I called  XXXX   XXXX  after seeing this on my credit report.I did n't remember opening an account with them, I called, they said the account was opened   XXXX   and it was sold to them, they purchased it  XXXX  she said  .I a sked if she will repeat what you just said, her reply was do you want to pay the whole amount today? This means the loan was paid off and sold to them.This is the dispute, it was discharged, they wrote it off and was paid in full.I still get offers for new credit card thru capital one.I should n't still be responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX    XXXX  , Equifax removed accounts and inquiries due to their inaccuracy and false reporting. Upon reviewing my report, I noticed that everything that was once disputed and removed has been added back onto my credit report. I did not receive any notification that these items would be added back. I am demanding that each and every one of the items that were once removed for inaccuracy be removed once again. This is affecting me negatively and hindering me from moving forward. Equifax has not provided any form of validation whatsoever and yet these inquiries and accounts are being reported. I have attached proof of these inquiries and accounts being removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
After chapter  XXXX  completion my credit report is full of spiteful errors from creditors. Please review the following documents. I recently completed my chapter  XXXX  and all creditors should be listed correctly with a  XXXX  balance. Review carefully and follow the 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 non-monetary relief
Consumer complaint received 2017-05-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I have a  walmart  card with synchorny bank. I had a  XXXX  limit, I just recivied a letter from them that they have reduced my credit limit from  XXXX  to  XXXX  i owe  XXXX . This decision was based on my other creditors on my credit report and the fact i was late  XXXX  time this year. First my credit is not good due to a lot of things namely a divorce this past yaer and hurricanes and what not. I would have no problem with my limit being reduced but not to the point it puts me at 100 % now my score will tank  XXXX  more points. Its not bad enough the late payments hurt you like they do, but this is just plain underhanded.     How can they base your credit on another creditor thats is not fair in any and it should not be legal. For  XXXX  a big bank amazon picked the wrong partner. Unfair credit practices.

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 2017-05-05 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: EQUIFAX, INC.
State: OH

Complaint narrative:
After chapter  XXXX  completion my credit report is full of spiteful errors from creditors. Please review the following documents. I recently completed my chapter  XXXX  and all creditors should be listed correctly with a zero balance.  Review  carefully and follow the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
After chapter  XXXX  completion my credit report is full of spiteful errors from creditors. Please review the following documents. I recently completed my chapter  XXXX  and all creditors should be listed correctly with a zero balance. Review carefully and follow the 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 2017-05-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Despite the evidence I have provided indicating that the  XXXX   XXXX   XXXX   XXXX   XXXX  violated Federal Laws in the handling of this debt -- both by failing to notify me about it prior to reporting it to the Credit Reporting Agencies on  XXXX / XXXX /  XXXX   and then refusing to forward the debt back to the creditor in response to my formal dispute of the charges on  XXXX / XXXX /  XXXX   after I was notified about it on  XXXX / XXXX /  XXXX   -- the  Credit Reporting Agencies  have persisted in listing the debt as valid, despite my disputes submitted concerning the validity of the debt because of the Federal laws that were violated in how it was handled by the  Collection Agency  assigned to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Despite the evidence I have provided indicating that the  XXXX   XXXX   XXXX   XXXX   XXXX  violated Federal Laws in the handling of this debt -- both by failing to notify me about it prior to reporting it to the Credit Reporting Agencies on  XXXX / XXXX /  XXXX   and then refusing to forward the debt back to the creditor in response to my formal dispute of the charges on  XXXX / XXXX /  XXXX   after I was notified about it on  XXXX / XXXX /  XXXX   -- the  XXXX   XXXX   XXXX  have persisted in listing the debt as valid, despite my disputes submitted concerning the validity of the debt because of the Federal laws that were violated in how it was handled by the  XXXX   XXXX  assigned to 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 2017-05-05 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: GA

Complaint narrative:
D espite the evidence I have provided indicating that the Collection Agency    XXXX   XXXX   XXXX   violated Federal Laws in the handling of this debt -- both by failing to notify me about it prior to reporting it to the Credit Reporting Agencies on  XXXX / XXXX  /2016  and then refusing to forward the debt back to the creditor in response to my formal dispute of the charges on  XXXX / XXXX /   2016 after  I was notified about it on  XXXX / XXXX /   2016  -- the  Credit Reporting Agencies  have persisted in listing the debt as valid, despite my disputes submitted concerning the validity of the debt because of the Federal laws that were violated in how it was handled by the  Collection Agency assig ned to 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 2017-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MS

Complaint narrative:
On  XX/XX/2017    @   XXXX   I sent {$40.00} to my daughter via Walmart  money gram . When she went to get the money, they would not let her have it, they told her she was not old enough, she is  XXXX . I called the  XXXX  number provided by Walmart to have the name changed, they would not do this.The man then cancelled the transaction and told me it would be  XXXX  business days before money was refunded to my card. The total of {$40.00} plus {$5.00} fee. This is outrageous, no where on site does it specify age. He then said I could not use the money gram site again. I need that money now for my child. The reference # is  XXXX . Any help you can give me would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PINNACLE RECOVERY, INC.
State: CO

Complaint narrative:
XXXX   XXXX     2017, I    made a settlement offer against my timeshare. Here is the email receipt that I received after the payment was made.     " This letter will confirm that  Pinnacle Recovery , Inc.  and  XXXX   XXXX   ,   XXXX .-   XXXX   XXXX   have accepted a payment of {$1600.00} on your outstanding balance of {$8900.00} on your contract # XXXX on  XXXX  -17. T his obligation will be considered a full compromised settlement to terminate all rights and interests in the contract originally signed.     You are not responsible for the additional contract balance or any outstanding fees regarding your maintenance fees '' Today,   XXXX   XXXX   , 2017,  I received a letter dated  X/XX/  2017 t hat stated I owed {$8700.00 } ( with  new late fees and collections costs assessed.     When I called the collection agency, I attempted to ask multiple times why this debt was not cleared. I could not even finish one sentence or question. The phone rep would not give me a straight answer. I was able to glean that there is a " Note '' on my account that it was paid directly to the collection agency, but no record that they have received anything back from the actual timeshare company. In her contradictory information, it appears they (  Pinnacle )  did not notify the timeshare company, even though I received this information above, that the account was paid. I would like the collection agency to take this payment and resolve immediately with the timeshare company as this was considered paid in full. Otherwise, it appears to me that this is simply grand larceny by the collection agency.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Visa  wrongly and systematically sides with the vendor in disputes over fraudulent charges and, in a disputed case, NEVER sides with the consumer. In the following case they have been caught out. My complaint is that they did not conduct a thorough investigation, that they wrongly reported information to me and that they wrongly allowed a fraudulent charge to remain on my account.     I was fraudulently charged {$16000.00} by a vendor, to whom I had previously given my card details for a legitimate charge. The vendor charged my card a second time without my knowledge, consent or authorization and for services I had not incurred. Unknown to me, the vendor had retained my card information from previous use.  Chase refused to treat this as fraud because I had previously given my card details to the vendor. Chase  claimed I must put the transaction into dispute.     After review of the dispute I received the attached letter dated  XXXX   XXXX ,   XXXX   from Chase, which sided completely with the merchant in the case and said ; " Merchant has provided contractual agreement on this transaction. '' No copy of the contract was sent to me and how could it have been - none existed.     On  XXXX   XXXX , the merchant credited {$14000.00} of the fraudulent charge back to my credit card ( see attached ). If the merchant returned the majority of the funds, how could  Chase, just one w eek earlier claim that they had viewed a contract which showed the funds taken from my account had been taken legitimately? I want to complain that Chase carried out an improper and inappropriate investigation which was biased and untruthful.

Company response to consumer: Closed with explanation