vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-19 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: NY

Complaint narrative:
To whomever it may concern. 

I acquired the Chase  XXXX credit card about a year ago. The card comes with a {$45.00} annual fee which I figured is worth it for the free annual night that the card gives. 
The problem is that when I got the card, the free annual night eligible to be used at any XXXX property, but now the criteria was changed and it can only be used towards a hotel up to the value of XXXX points. 
This is very upsetting considering the fact that first of all, I was unable to use my free night yet, and I was really looking forward to having a nice vacation in an XXXX property of my choice. But now that my choices are more limited, its very frustrating because this is not what I signed up for. And second of all, To change any policy while having customers already enrolled I think is very bad customer service, and not fair at all. 

I am not sure now if I will continue my relationship with this card. 

I hope that my dissatisfaction will be taken to heart to have the policy changed back. 

Thank you for your time

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-19 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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I talked with Bank of America on XX/XX/2018 many times that day was put on hold and moved from dept to dept. I got my XXXX report and seen that they reported the amounts that i owe but then put SUSPECTED FRAUD on the report and that has stopped me from getting a checking act.. I told the agent the act was open and was never closed for Fraud i just got on hard times and could not pay the act off that i was overdrawn in. She sent me over to rick management because she said the acts where in that dept. Then risk management told me that the acts where never in that dept and they are in collections. She told me that she does not know why the acts would have been maked suspected fraud and sent me back over. The lady on the phone told me that she will call XXXX 's and tell them what happen but she just sent me over to XXXX 's and ended the call. 

I have been dealing with XXXX to get this removed off my report but have not got any info from them as to why it was reported as suspected fraud. I know i owe Bank of America money and i have offered to pay off all the acts if they will just remove the remark suspected fraud off my report. I have sent many letters and never got back to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: MA

Complaint narrative:
ON XX/XX/XXXX I received a call from XXXX XXXX stating that I owed money on a debt. Client : XXXX XXXX, XXXX Your Account Number : XXXX Original Creditor : DISCOVER CARD Original Account Number : XXXX Amount Due : {$7900.00} 1.  They stated that in XX/XX/XXXXI was making payments, but that the law firm went out of business. Man on the phone stated he used to work for that law firm and because we had a " rapport '' he was trying to help me. He also stated that a statute of limitations doesn't exist for debt. After a back and forth I gave my email address only, and hung up on them, once they tried to pressure me into calling them back and set up payments. They also told me after 5 minutes of conversation, that this call was being recorded, something they are legally supposed to do at the beginning of the call. 

2. I actually settled this debt years ago with another collector as it was passed on to someone else. It was removed from my credit report, of which I am now in good credit health. 

3. Even if this debt wasn't updated in their systems, ( even though it was settled and they are now coming back at me after 8 years have passed ) they did not tell me that it is " time-barred '' and they couldn't pursue it legally. 

People on the email they sent to me : XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 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:
On XX/XX/2018 XXXX XXXX XXXX reinserted a collection account onto my credit report for the third time. This is my THIRD complaint against this company, complaint # XXXX & XXXX both times I've stated that I did not have an account with this company and both times I've stated that this company do is NOT license to collect in Texas, in my last complaint the company stated they were licensed per the Texas Secretary of State this company is not listed as licensed. Each time this company have removed the account from my credit report and then reinserted. This is illegal and I will be pursuing legal actions for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Client Services, Inc.
State: FL

Complaint narrative:
Client Services Inc. has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC
State: GA

Complaint narrative:
On XX/XX/2018 I sent a certified letter to Credco Corelogic disputing 3 hard inquiries the company had placed on my credit report for XXXX XXXX. As I stated in the letter, I did not dispute the fact that I inquired to XXXX XXXX   on a possible mortgage loan. I was disputing that the inquiries were for pre-qualification purposes and was to only be a soft inquiry. I ask Credco to send me copies of the authorizations they had to place hard inquiries on my report. I sent them copies of the XXXX  report I had which clearly shows it was XXXX XXXX that they provided the reports to. I received a response from Credco stating they had furnished the reports to their client XXXX XXXX   and they represented they had permissible purpose. Yet they did not send me any copies of proof of authorization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please remove the following unauthorized inquiries from my Transunion credit report 1. XXXX  XX/XX/2018 2. XXXX XXXX   XX/XX/2018 3. XXXX XXXX XXXX XX/XX/2018

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-19 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: FL

Complaint narrative:
I have been battling a debt that is being reported on my credit report which I do not owe. I have always had insurance and have provided proof of that to XXXX XXXX XXXX ; as well as XXXX  XXXX XXXX  ; the collection agency who's collecting on behalf of the credit. They have not done anything about it. I have contacted XXXX XXXX XXXX via fax with proof of insurance. I have faxed it on XX/XX/XXXX with proof of delivery. They stated that it takes 21 days to investigate. I have called back on XX/XX/XXXX for a status update, and they claim that they didn't receive anything. 

These companies do not want to take ownership of their negligence to correctly bill my insurance provider ; XXXX ; after I have done everything to show proof of the error. The burden of proof and accuracy of billing is with the medical staff and not me. XXXX XXXX XXXX is equally at fault as they haven't provided any validation of how this debt is my responsibility after I have cooperated with them diligently to provide them with everything they need. 

I spoke with XXXX on multiple occasions and they have confirmed that they were billed for other services on the same date of service ; XX/XX/XXXX, however never received a request for billing for this procedure in which I'm being punished for. 

This item is not my debt to bear and something needs to be done about it. 

I have enclosed a copy of the following : 1. Proof of Insurance during the Date of Incident 2. Letter faxed to XXXX XXXX XXXX 3. Proof of fax delivery

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
BBVA closed my credit card account. I had a balance and had been paying it down. I missed one payment an oversight because I can set up auto pay. They closed my account after a week and a half. I had no idea I missed a {$16.00} payment. I had reward point that would pay that payment and more. They defaulted my points.

This happened XX/XX/2018.

I am still making payments.

They pulled my credit without permission to close my account ( they say ) this will have a negative impact on my credit score. I want to be compensated for this issue and my account reopened until it is paid off and I will let it go dormant.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 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 — Problem with personal statement of dispute
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ

Complaint narrative:
I talked with XXXX XXXX XXXX on XX/XX/2018 many times that day was put on hold and moved from dept to dept. I got my chexsystem  report and seen that they reported the amounts that i owe but then put SUSPECTED FRAUD on the report and that has stopped me from getting a checking act.. I told the agent the act was open and was never closed for Fraud i just got on hard times and could not pay the act off that i was overdrawn in. She sent me over to rick management because she said the acts where in that dept. Then  risk management told me that the acts where never in that dept and they are in collections. She told me that she does not know why the acts would have been maked suspected fraud and sent me back over. The lady on the phone told me that she will call chexsystem 's and tell them what happen but she just sent me over to chexsystem 's and ended the call. 

I have been dealing with chexsystems to get this removed off my report but have not got any info from them as to why it was reported as suspected fraud. I know i owe XXXX  XXXX XXXX money and i have offered to pay off all the acts if they will just remove the remark suspected fraud off my report. I have sent many letters and never got back to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
Loan company said they did not receive payments. They were made! I was never notified of late payments! I want to know what happened to my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: HOME FINANCE OF AMERICA
State: CO

Complaint narrative:
I reached out to XXXX XXXX NMLS # XXXX because I heard him on the radio to refinance my mortgage. I told them that since I had owned my house for two years and the market had grown so much, I wanted to refinance mortgage insurance off of my house since I was at a 80 % loan to value. There was no reason to refinance my loan into an FHA because that would mean that I would still pay mortgage insurance. I tried to meet with XXXX XXXX but he kept having his assistants meet with me, which I was fine with. We got my house appraised and it was appraised at {$160000.00}, credit score of XXXX and I only owed {$100000.00} .... so it was perfect to be put into a conventional loan with no mortgage insurance. When title came over to my house to have me sign documents I asked if this had the mortgage insurance off of it and he said that the mortgage company should have taken care of that for me. Instead they refinanced me into another FHA loan instead of a conventional loan and I am still paying mortgage insurance. The payment didn't even go down or up, it stayed the same. I feel they only did FHA because they made more money on the loan, based on what my other friends in the industry are telling me. I kept trying to call over to them after I noticed that the paperwork said FHA and not Conventional. They kept telling me that they would have XXXX reach out but he never called back. I tried to go down there and they kept blowing me off. I tried and tried, but to no avail ... .they just kept avoiding me.

Company response to consumer: Untimely response
Consumer complaint received 2018-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
National Credit Adjusters has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Please remove the following fraudulent inquiries from my Equifax credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synergetic Communication Inc
State: FL

Complaint narrative:
Synergetic Communication has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
OnXX/XX/XXXX I made a purchase with my Walmart synchrony card, at a Walmart for {$300.00}. The most recent purchase raise the balance to a little over {$1700.00}. On XX/XX/XXXX I came home to a letter from XXXX XXXX stating that they were dropping my credit limit to {$1400.00} from {$5000.00}. The credit limit decrease was based on reporting from XXXX suggesting identity fraud and non reported new address. The credit limit decrease instantly put the credit card over it's limit and reporting that I am now utilizing 100 % of my credit. Upon calling synchrony I discovered that their fraud department had no indication of fraud on my account and a supervisor could not explain what was being reported on the letter. I was advised to contact XXXX. I have been unable to reach a person at XXXX to explain what is being reported. My credit score has now also been affected by a 120 point drop due my credit limits now being maxed out. After checking my report with XXXX   on XXXX XXXX there are no indications of any kind of fraud or changes to my report. Synchrony decision to reduce my credit limit and inability to explain the reasons has adversely affected my credit score. I have a 100 % positive payment history on not only this account but every other account in my name. I have since opened a XXXX XXXX XXXX XXXX card to transfer the balance so that I may close out the synchrony card. I was granted a {$25000.00} credit limit based on the same credit score and information that synchrony used to drop my credit limit on their card. This was an unfair practice that no one has been able to explain to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BB&T CORPORATION
State: MD

Complaint narrative:
BBT Personal Acct # XXXX for XXXX XXXX XXXX. 
SSN:XXXX My account was charged off by BBT Recovery Charge off Dept.I called in I asked them whether or not I could take care of my checking account negative balance.They told me that I had til XXXX to pay it off.Which was a lie.They charged the account off about 3-5 days later.I could have gone in paid off the account and my account would be still open and available to me.They have reported me to XXXX.Which is a Fair debt practices reporting Act violation.I would like to be removed asap from XXXX XXXX.I am requesting and encouraging a full investigation by BBT and CFPB.This is a serious matter.Thank you much in advance.I really appreciate it. 

Please reference notes from the charge off/collection/recovery dept.It will tell everything that happen.When I talked to this dept.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 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: MN

Complaint narrative:
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX GA XXXX  RE : Intent to file lawsuit, HIPAA Privacy Violation Validation Letter sent to : { XXXX XXXX XXXX } Accounts # XXXX  # XXXX # XXXX  # XXXX and other accounts from the same company of XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA.

{ XXXX XXXX XXXX   } did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, MN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 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: CA

Complaint narrative:
I HAD AN OUTSTANDING BALANCE OF XXXX ON A XXXX XXXX CREDIT CARD.

I HAVE PAID OFF ANY REMAINING BALANCE, IN ONE FELL SWOOP. THUS, SHOULD MY SCORE NOT GO UP BY, AT LEAST, 34 POINTS? ( CREDIT SCORE IS BY DIVISIBLES OF 5. $ XXXX= 1 POINT. ) PLUS, AN ADDITIONAL AMOUNT.

I ALSO HAVE AN XXXX  OPEN BUT THIS SHOWS NOWHERE ON MY CREDIT REPORT.

I HAVE NEVER EVER BEEN LATE WITH A PAYMENT FOR ANY CHARGE CARD. EVER.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I applied for a can loan though one dealership and now I have 6 inquiries on my Transunion report, I called and explained the situation customer service refused to take care of it. 
I'm a victim of their inquiries issues

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