vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-21 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: CA

Complaint narrative:
On XX/XX/2019, I visited the United Airlines website to purchase an airline ticket. United was offering the United Explorer Card through Chase with the following perks : XXXX bonus miles and {$100.00} Statement Credit after your first purchase. I clicked on the link, filled out the application, and my application was immediately accepted. Upon receiving the card in the mail, I proceeded to make my airline purchase. I noticed after I received my statement that I did not get the {$100.00} statement credit. On XX/XX/2019 I went back to the United Airlines website to look at the specific offer and the offer was still advertised ( XXXX bonus miles and {$100.00} statement credit ) it was the exact same offer I applied for. The offer is available to everyone and anyone who clicks on the link. When you click on the link you are not give an offer code or invitation number. I was able to access that same offer from my personal home computer, my work computer, and my phone. On XX/XX/2019, I wrote Chase an email to inquire about my {$100.00} Statement Credit but they refused to give me the statement credit. They claim that since I applied online something could have happened with the link and I was given a different offer and there is nothing they could do about it. I even sent them a PDF of the offer with the terms. Chase is advertising one thing, then giving the consumer something else and that is false advertising. Im going to cancel the credit card after I complete my trip but that will have a negative impact on my credit score. I have a very good credit score and have never had any problems with any other credit card. Chase is running a scam by advertising one thing and then changing the terms after you apply online.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: FL

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 60 days past due on XXXX - partial account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. I have contacted the two bureaus to have this corrected. This inaccurate reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: CA

Complaint narrative:
The reason for my writing is to inform you that this company is being unreasonable and not adhering to the law. I am a victim of identity theft. My personal information was compromised and as a result fraudulent charges were included on my accounts without my consent or authorization. I disputed this identity fraud with this company on XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. But until now, as I am writing to you, this company is still reporting these fraudulent accounts contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. Please REMOVE this fraudulent information from my credit report, as per 605B of the Fair Credit Reporting Act : 1.XXXX  XXXX XXXX # XXXX, Opened Date XX/XX/XXXX, Original Creditor XXXX XXXX  XXXX XXXX XXXX , High Balance {$1500.00}. 2. XXXX XXXX XXXX, ACC # XXXX, Original Creditor XXXX XXXX , Opened Date XX/XX/XXXX, Balance {$190.00}. I am attaching the dispute letter/documents I sent to this company on the XXXX and my FTC report, in case they need to reference or review.

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 2019-03-21 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: IN

Complaint narrative:
Transunion has refused to remove the information on my report that has not been properly verified, validated within the timeframe allowed per FDCPA/FCRA guidelines. I have records of the numerous letters I have sent requesting information used to prove this debt belongs to me. TRANSUNION HAS DONE NOTHING BUT GIVE THE INFORMATION TO ITS DATA FUNISHER AND THE COMPANY HAS USED IT TO UPDATE THE RECORDS THEY HAVE. The debt has been reporting incorrect on my report for a very long time. The debt that is reporting incorrect and does not belong to me is listed on my report from XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. XXXX 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 2019-03-21 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: IN

Complaint narrative:
Transunion And XXXX have bothered refused to remove the information on my report that has not been properly verified, validated within the timeframe allowed per FDCPA/FCRA guidelines. I have records of the numerous letters I have sent requesting information used to prove this debt belongs to me. TRANSUNION and XXXX  HAve DONE NOTHING BUT GIVE THE INFORMATION TO ITS DATA FUNISHER AND THE COMPANY HAS USED IT TO UPDATE THE RECORDS THEY HAVE. The debt has been reporting incorrect on my report for a very long time. The debt that is reporting incorrect and does not belong to me is listed on my report from XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. XXXX   XXXX/XXXX. The credit reporting agencies transunion and XXXX both have failed to answer my request. The companies just send me a scripted reply and then tell me to reach out to the company that has given them incorrect information. Then the company will tell me I need to contact the credit reporting agency. Transunion and XXXX have meticulously and continued to report inaccurate information that I have advised them is incorrect which is a violation of federal law and my rights.

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 2019-03-21 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: FL

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 60 days past due on XXXX - partial account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. I have contacted the two bureaus to have this corrected. This inaccurate reporting is harming my credit score.

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 2019-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX I received an email from a Shellpoint Mortgage CSR of Loss and Mitigation for repayment and his emails states as below : Hello XXXX, You requested me to send you an email with the details of the repayment plan. Please see below for details. Please understand Shellpoint will draft the payments and understand it shows the payment is due on the XXXX  but we do give you the entire month to make the payment if you have any questions, please feel free to reach out to me XX/XX/XXXX - {$3000.00} XX/XX/XXXX {$5200.00} XX/XX/XXXX - {$5200.00} XX/XX/XXXX {$5200.00} Thank You, XXXX Loss Mitigation Specialist, Shellpoint Mortgage Servicing and then on XX/XX/XXXX, I reached out to Shellpoint and a XXXX finally called me, because I kept getting the run around. I asked why did they not debit my account. XXXX told me that XXXX was no longer in that department and failed to tell me I had to make those payments, Shellpoint did not set up anything. So, I sent the email to escalations and XXXX as seen below : Hi XXXX Below is the email showing that Shellpoint would be drafting the amounts from my account and it seems that only one payment was drafted. I need to get this paid, and I would like to get this up to date. When I spoke to you, you stated that there was no way that Shellpoint could set up an automatic draft from my account. I am showing you what I was advised by your previous CSR, and  I am not point fingers at anyone, but I would not like to lose my property, as I have my children there, and been there for close to 12 years. I would like to get this reinstated, and as soon as possible. I have scheduled payments through my bill pay to bring this down by the end of XXXX. I scheduled $ XXXX to be paid. Then by have it caught up by XX/XX/XXXX. 
Thank you. 
XXXX I heard nothing from anyone until late XXXX when I received a foreclosure letter, and I contacted XXXX. She did not return my call until the beginning of XX/XX/XXXX. I decided to contact XXXX, so they can help me get help on my mortgage. I provided all documents to Shellpoint online and even XXXX. Shellpoint even called me and requested additional documents and we are not XX/XX/XXXX and I have not received a call from Shellpoint at ALL. I look on their online portal to see what I uploaded and it says, nothing is completed. I have attachments showing where it is there and uploaded too. 
XXXX called them to expedite this information, and they were hung up on several times. I just found out that Shellpoint refuses to help people in saving their homes. They literally ignore you and continue with the foreclosure to resell your home for more money. Shellpoint has a few lawsuits pending already and class action too. We need more. We can't let them continue getting away it! Save my home. 
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 2019-03-21 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
i sent a letter to XXXX/XXXX XXXX XXXX dated XX/XX/2018 they never responded so i done more and more research how to go about information being reported incorrectly. They are saying i have a account in collections. This is false i've sent them multiple letters no response.

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 2019-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/2019 I opened an account with Bank of America for the purpose caring for my sister I have a Durable Power of Attorney .She was selling her home and I was going to manage her bills, food delivery and some services to keep her in her home On XX/XX/2019 her home sold and the funds from the sale were wired to Bank Of America {$130000.00} Within a day the account had a fraud alert and I was unable to use the funds After hours and numerous calls to every department the bank has, was told if I was to send the HUD and the legal transmission from the closing attorney they would lift the freeze I sent the docs and the freeze as lifted On XX/XX/XXXX my sister purchased a condo and Bank of America wired the funds to the losing attorney in the amount of {$41000.00} NO fraud that day??? 
On the XXXX of XXXX I made some purchases online with a debit card attached to this account On the XXXX this bank froze the account again I was my money released from this bank and the account closed I am responsible for my sisters life an have had nothing but grief an anxiety from this bank Please HELP 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 non-monetary relief
Consumer complaint received 2019-03-21 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: IN

Complaint narrative:
XXXX And equifax have bothered refused to remove the information on my report that has not been properly verified, validated within the timeframe allowed per FDCPA/FCRA guidelines. I have records of the numerous letters I have sent requesting information used to prove this debt belongs to me. XXXX   and equifax HAve DONE NOTHING BUT GIVE THE INFORMATION TO ITS DATA FUNISHER AND THE COMPANY HAS USED IT TO UPDATE THE RECORDS THEY HAVE. The debt has been reporting incorrect on my report for a very long time. The debt that is reporting incorrect and does not belong to me is listed on my report from XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXXXXXX. The credit reporting agencies XXXX  and equifax both have failed to answer my request. The companies just send me a scripted reply and then tell me to reach out to the company that has given them incorrect information. Then the company will tell me I need to contact the credit reporting agency. XXXX and Equifax have meticulously and continued to report inaccurate information that I have advised them is incorrect which is a violation of federal law and my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
i sent a letter to XXXX/XXXX XXXX XXXX dated XX/XX/2018 they never responded so i done more and more research how to go about information being reported incorrectly. They are saying i have a account in collections. This is false i've sent them multiple letters no response.

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 2019-03-21 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
i sent a letter to XXXX/XXXX XXXX XXXX dated XX/XX/2018 they never responded so i done more and more research how to go about information being reported incorrectly. They are saying i have a account in collections. This is false i've sent them multiple letters no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: OH

Complaint narrative:
On XX/XX/XXXX my card was fraudulently used at a XXXX. I called Citibank and reported the fraud. 

They mistakenly reversed all of my transactions from XX/XX/XXXX. 

However, when they corrected their mistake, they double billed me for the reversed items. For example : {$10.00} Charge 1 ( {$10.00} ) Reversal of Charge 1 {$10.00} Charge 1 {$10.00} Charge 1 So, instead of owing ( correctly ) {$10.00}, I now owe {$20.00}. I have sent screenshots of my statements showing this, but they insist they are correct.

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 2019-03-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GOLDEN EMPIRE MORTGAGE INCORPORATED
State: CA

Complaint narrative:
I have a buyer that upon looking for homes with his realtor he came across a property he liked and was ready to submit an offer for. Upon the realtor contacting the listing agent she was informed that in order for her clients offer to be presented to the seller " they must cross-qualify with agents lender ''. Please see below of a snippet of the XXXX listing Private Remarks : PRIVATE REMARKS : Submit all offers to : XXXX with copy of DU Approval including FICOS, Proof of Funds and copy of prequalification letter. Please call agent before submitting the offer. Buyers to get cross qualified with sellers lender : XXXX XXXX @ XXXX XXXX. Contact number is XXXX XXXX or email XXXX XXXX Buyers/Buyers agent to do their due diligence and investigations regarding property. 

Upon reviewing this my buyers agent called me to request a cross qualification with the other lender instructed on the XXXX private remarks. I advised it is illegal and a violation to share private financial information of the borrower 's to 3rd parties. Requiring buyers to submit a DU Approval, copy of credit report and proof of funds is a definite violation of consumer finance laws. I contacted the lender immediately and explained the type of loan program my borrowers were obtaining from my financial institution. ( generic information such as product description, LTV requirements, etc ) No private information of the borrower was shared. However mortgage officer, XXXX XXXX, from XXXX XXXX, still requested I send her copy of paystubs, copy of credit report and proof of funds ... " so she can do her due diligence '' To finish it off she requested all this information to be sent to her personal email address : XXXX not even a company email was used.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: Innovis
State: MA

Complaint narrative:
DEAR CFPB For the past 10 months I've been trying to dispute unverified items on my credit report. I have not got any results of verification that account belongs to me by documents such as a my signature and my social security number on it. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract Any and all accounts you Accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable proof ( an original consumer contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XX/XX/XXXX {$2200.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX {$560.00} XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My debit card and Id were stolen at hospital when visiting wife. And I was u aware for a few days until I checked my account on mobile app. I immediately called and had card stopped and a new card sent to me. I disputed over 5,000 from charges with debit card in Oklahoma at casinos, restaraunts, stores. Someone figured out or knew my pin which was also the last 4 of my phone  number. I have changed my pin since. The bank closed dispute and assumed it was me bc my pin was used. Which is complete bias and wrongful and again was not me and I am now out over 5k and have no other options on getting my earned funds back. They didnt even investigate more than 10 days and wouldnt even expedite the temporary credit and never did refund me. I could call XXXX and file a dispute and inform capital one of their mishandling and poor determination.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: NM

Complaint narrative:
Portfolio Recovery - XXXX XXXX - is reporting on my credit report erroneously for one ... They are reporting multiple times and different info on my report. 
This debt is over 7 years old and past the statute of limitations. 
For 2 this was an erroneous small interest charge that was billed when I was XXXX. And per the SSCRA they can not charge fees or interest when out on orders. 
THis was not valid in the first place and illegal ... and the debt is now so old it is past the statute of limitations. 
I served our country and this is ridiculous. Still fighting this for all these years

Company response to consumer: Closed with explanation