vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-17 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: WA

Complaint narrative:
Chase offers a XXXX credit card, advertising additional rewards for spend at XXXX hotels  ( 4x vs 1x for all other spend ). In late XXXX, XXXX announced a partnership with XXXX XXXX XXXX  ( XXXX  ). In XXXX of XXXX, Chase updated their credit card terms to include these XXXX properties as eligible for additional 4x rewards. 

From an email sent directly to me on XX/XX/XXXX advertising this : Subject : Cardmembers Earn More in More Destinations Excerpt from body : " As a World of XXXX or XXXX XXXX XXXX, you can now earn even more when you stay at participating XXXX hotels. 
4X World of XXXX Credit Cardmembers can earn 4X points on eligible spend at participating XXXX locations. * '' This matches terms on the current credit card page at https :  //creditcards.chase.com/travel-credit-cards/world-of-hyatt-credit-card : " Bonus Points : You'll earn 4 World of XXXX Bonus Points for each {$1.00} USD spent on purchases made at XXXX hotels and resorts ( including at participating restaurants and participating locations that are owned, managed, franchised or licensed by XXXX Corporation or its subsidiaries or affiliates ) and at participating XXXX properties. " XXXX XXXX XXXX '' or " XXXX '' means properties affiliated with XXXX XXXX XXXX of the World Limited that participate in the World of XXXX Program. " Participating XXXX  properties '' means any hotel or resort that is affiliated with XXXX and participates in the XXXX of XXXX XXXX. For more information about participating XXXX properties, please https : //hyatt.com/promo/small-luxury-hotels-of-the-world. '' I have stayed at several participating XXXX properties, and based on this advertisement, used my Chase card. 

On XX/XX/XXXX I stayed at XXXX XXXX. {$410.00} charged on XX/XX/XXXX. 
On XX/XX/XXXX I stayed at XXXX XXXX  XXXX. {$1100.00} charged on XX/XX/XXXX. 
On XX/XX/XXXX I stayed at XXXX XXXX XXXX. {$300.00} charged on XX/XX/XXXX. 
All three of these charges failed to post the advertised 4x rewards ( only posting as 1x for every day spend ). 

I have tried to contact Chase suppose on XXXX. First response from Senior Service Specialist XXXX just made up an excuse that hotels have to be owned by XXXX to qualify ( nonsensical as XXXX rarely owns any hotels, and contrary to published terms ). Following up, XXXX claimed Chase doesn't have the ability to determine what is a XXXX hotel, and therefore blamed XXXX. Unfortunately the locations listed are listed by XXXX as participating and linked to by the Chase terms ; therefore, failing to meet their advertising and contractual terms of the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 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: NJ

Complaint narrative:
Merchant took exceptionally long time to process crediting my account. The account XXXX XXXX XXXX ending in XXXX should reflect a XXXX  balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
This is in RE : Capital One Credit card XXXX # XXXX in my name XXXX XXXX XXXX. 

On XX/XX/XXXX, the date of my due date, I called Capital one to make said, and due payment on the above account, which has a balance of {$740.00} ; my credit limit is XXXX. Historically, my minimum payment has ALWAYS been {$25.00} on this credit card account. I made a payment on XX/XX/XXXX of {$80.00} per being past due on my acct due to inability to access Capital One 's pay online system due to it's system giving me verification security codes via phone for security purposes, in a foreign language ( XXXX ), instead of the language I speak ( English ). Consequently, and as such has happened in the past two other times, I was charged late fees. THis issue was fixed by Capital one earlier this month of XXXX. However, last night XX/XX/XXXX, the phone rep said I was calling EST Eastern standard Time and therefore, my payment was to be {$75.00} instead of the usual {$25.00} even though according to my time frame, I was still on time with my payment of {$25.00} ; the woman said her system could not accept, or process a payment of only XXXX. Something seems fishy to me ; why after so many years of paying {$25.00} for my monthly payment, would I now need to be paying {$75.00} to {$80.00} per month? Even if their {$25.00} late fee is applied -- -that does add up to {$75.00} to {$80.00}. My credit limit has NEVER been increased, as I've never asked for an increase in credit limit ; I do not use this VISA card on a regular basis -- -thus, my dispute lies in WHY my monthly minimum payment increased to {$75.00} to {$80.00}. Clearly, I'm nOT alright with this. The resolution I want is to have my monthly payment returned to the normal $ XXXX./month, and to have any late fees that have been applied -- -to be refunded. I also would GREATLY appreciate if Capital one would fix their system so as to receive security verification codes in ENGLISH instead of XXXX!! It seems set this way so that Capital one can charge late fees, due to customer 's not being able to make their payments on time due to not being able to access their online accounts, to pay them, because of language barrier issues. 
I very much look forward to your reply and assistance in dealing with continued problems with this credit card issuer. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a letter from XXXX XXXX XXXX that indicated their intent to file a lawsuit for an aggressive collection agency XXXX, XXXX, that only recently obtained an account from Citibank that I had been making small payments on. 

They use excessively aggressive tactics and when I attempted to call them indicating at the time that no law suit had yet been filed they tried to claim I needed to pay the entire debt off or in several large payments, which I indicated I could not do. They showed no respect, courtesy, or flexibility, and demanded I provide them a lot of documentation about my current income. Before this could be gathered I was served with the evidence of the legal summons. 

This company uses very aggressive and threatening tactics, and makes no attempt to first reach individuals with reasonable collection strategies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmerAssist A/R Solutions, Inc.
State: CA

Complaint narrative:
I didnt receive information on this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Merchant took exceptionally long time to process crediting my account. The account XXXX XXXX XXXX ending in XXXX should reflect a XXXX  balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 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: NJ

Complaint narrative:
Merchant took exceptionally long time to process crediting my account. The account XXXX XXXX XXXX ending in XXXX should reflect a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Merchant took exceptionally long time to process and credit a return for me. The balance reporting on CAP ONE/NEIMAN MARCUS card ending in XXXX should reflect a XXXX balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Merchant took exceptionally long in processing a return. Account has a XXXX  balance, this should be immediately, updated with the credit reporting agencies. CAP ONE/NEIMAN MARCUS account XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This complaint concerns Bank Of America and it's excessively punitive and zealous application of overdraft charges to my checking account. 

Today is XX/XX/2019. 

This incident occurred just six days ago. I have an account with XXXX XXXX XXXX. On or about XX/XX/2019, XXXX deleted {$29.00} from my account to pay for a coffee shipment they were supposed to ship to me the next week. For some reason that I can't account for, the very next day they turned around and credited my account for the exact same {$29.00}. I don't know why they did this. 

Anyway, since I now had {$29.00} more in my account than I had anticipated, I wrote a check to a friend for {$10.00}. This was on Sunday, XX/XX/XXXX. The next day, Monday, was XX/XX/XXXX, which was XXXX XXXX. All the banks were closed on that day. 

On Tuesday, XX/XX/XXXX, XXXX once again deleted {$29.00} from my account, leaving me with an overdraft of {$4.00}. Bank Of America charged me an overdraft charge of {$35.00} as soon as they possibly could.Then of course, since their overdraft charge left my account with even less money than it did before (!!! ), when another small charge of {$7.00} came along a day or two later, they decided to ding me yet again with another {$35.00}!!! This was {$70.00} in all!!! 

I called them up very quickly and told them I had a product return for {$47.00} coming in to my account in the next day or so, and would they please wait a day or two until the funds showed up in my account, but they refused to budge. 

Bank Of America has some extremely predatory practices of dinging their customers with overdraft charges as frequently and quickly as they possibly can. It is my understanding that banks all over this country are making trillions of dollars for themselves on overdraft charges on millions and millions of innocent Americans. Not millions or billions. Trillions. This ruthless and predatory practice has to stop.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 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: LEXISNEXIS
State: OH

Complaint narrative:
I have a few situations going on with my credit file. I have had a few addresses that need updated. My name is XXXX XXXX. XXXX my SS is XXXX, my DOB is XXXX the following addresses are not accurate please remove/delete : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 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: CORELOGIC INC
State: OH

Complaint narrative:
I have a few situations going on with my credit file. I have had a few addresses that need updated. My name is XXXX XXXX. XXXX my SS is XXXX, my DOB is XXXX the following addresses are not accurate please remove/delete : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH 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 2019-11-17 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: ID Analytics, Inc.
State: OH

Complaint narrative:
I have a few situations going on with my credit file. I have had a few addresses that need updated. My name is XXXX XXXX. XXXX my SS is XXXX, my DOB is XXXX the following addresses are not accurate please remove/delete : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Hewitt-Capital
State: WI

Complaint narrative:
A XXXX XXXX from Hewitt Capital LLC improperly called a relative of mine, and told her personal information about why he was calling. He then became a complete jerk when she tried getting his contact information because she refused to give out my information, he yelled at her and hung up on her. She called him back and left a message for him, then immediately called him back again. He answered this time and told her to stop contacting him, she proceeded to tell him that she is trying to get the information from him to give to me, then she asked me if I wanted to talk to him. I took the phone, and he proceeded to claim he was a lawyer, he threatened to sue me, he tried to bargain with me and get me to give him money, he made false statements saying I committed fraudulent acts, and claimed I never paid any money on the loan ( which I did, then got into a bind and stopped because my kids needed food in their mouths ). After he got done speaking I told him to send me something in the mail. I am utterly XXXX XXXX.  Contacting my relatives is illegal, giving them personal information, including my residence address is illegal, telling them the specifics of why he was calling was illegal. He is lucky that the relative he called I am talking to because if he had called some of the others and they found out my personal information I would be suing him. Ive been told I can sue him for what he did. These things and tactics are why people dont pay things back when they get back into a good place. Illegal all the way around!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 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: I.C. System, Inc.
State: WA

Complaint narrative:
Was promoted to XXXX because of recent hacking into XXXX XXXX accounts. I decided to use it to protect my credit. Lo and behold, suddenly a {$920.00} bill from XXXX/XXXX  shows up from 2010, when I was no longer a customer. I have NEVER been notified of this debt, nor do I owe it. I pay my bills on time. How can a company NOT notify me, yet try and ruin my credit and reputation without me being even aware. My Score dropped by 51 points. My scam alert is now on high! I filed a dispute with XXXX, but two days later they tell me I owe the false bill! I am so angry I can chew nails. 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 2019-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
I don't Made a autorizacin yo Transfer bitcoins ir My wallet un coinbase and gdax My email is XXXX i sent My conplain to many times but they nevera answerd 3 months ah they only tild me that it's un investigacin the weird thing is i nevera receive a confirmaron ir any transaccin they clised My account and i can't mor Open again

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: ONEMAIN FINANCE CORPORATION
State: IL

Complaint narrative:
During a phone call around XXXX on XX/XX/XXXX to One Main Financial to update payment information, a rep XXXX from the company answered the phone heard my initial call and immediately divulged my FULL NAME AND BANK ACCOUNT INFORMATION. This is extremely disturbing when I just experienced our bank account being compromised the week prior. I am upset and feel like my rights have been violated. I want to make a legal complaint and have that person terminated or go into a training of some sort regarding consumer protection and confidentiality. This is unacceptable and I do not trust this company with my information or for any other individual. I will also make a complaint on the XXXX  website. I need to know what I need to do moving forward to resolve this issue. I do not want this log as a complaint then it goes away and nothing is done. Please contact me and let me know how the matter is going to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: OH

Complaint narrative:
In XX/XX/XXXX, I informed RoundPoint that I have paid off my property tax for XXXX. And I requested that they do not try to collect that in escrow.

RoundPoint received my request and ignored it. They collected the escrow after receiving my request and claimed that they refunded me in XX/XX/XXXX. 

In fact, I never received the payment of more than XXXX XXXX dollars. The company refuse to send me the fund after almost 2 years and many many attempts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: DC

Complaint narrative:
the vehicle had several issues and I ended up being unemployed, I am deaf so I have to use a relay service interpreter to call and I was repeatedly hung up on by ignorant customer service mistaking it for a phone solicitation calls, I eventually emailed the customer service informing them they could repossess the vehicle and we could work out the balance. I received an automated reply that they would respond within 10 days, they never did. I was living with my father so I could not park it in the community so parked it at a public lot. after several months later repossession trucks showed up and I informed them of the location. the repossession company ended up continuing to come to my fathers house harassing him about the truck, we neither have possession of the truck or have knowledge of when/who the repossession took place. my father called several times and they repeatedly told him that they could only talk to me even after several times explaining that I can not hear or talk on the phone. I have recently learned that Westlake financial has faced several lawsuits, even class action lawsuits, I would like this resolved/removed without having to go through a lengthy lawsuit as everyone else seems to do. this is an absolute terrible company to work with

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Phillips & Cohen Associates, Ltd.
State: GA

Complaint narrative:
On XX/XX/2019, a representative, XXXX XXXX, of Phillip Cohen Associates located at XXXX XXXX XXXX, XXXX, DE, XXXX phone number XXXX ext. XXXX contacted me at XXXX Hours Eastern Time and threatened me by way of stating that she, " will take you ( me ) to court and get a judgement against you ( me ) '' if I did not agree to make a payment to them. I had already informed her that I am on social security and I can not afford to pay. The representative repeatedly stated this until I said that I might be able to pay {$5.00}. At which time she began to belittle and berate me that she, " didn't know if that would be acceptable. '' When I requested a written letter about this debt I was informed that no written letter will be provided. I am reporting this to the CFPB because I fell that this type of coercion and abuse will continue if it is not reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Unexpected increase of payment that i do not owe

Company response to consumer: Closed with explanation