vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I had called Chase Ultimate Rewards ( XXXX XXXX XXXX ) to cancel my round trip flight to XXXX and re-book a one way ticket. I was told that there was a residual value of {$120.00}, and that that I could call Chase Ultimate Rewards to redeem for future airlines ( my boyfriend had a value of ~ {$450.00} leftover as well but this is connected to a different card ). The representative stated that I had until XX/XX/XXXX to use the credit with any XXXX flight and provided me with the customer service number to call when I was ready to redeem. 

I spoke with a representative on XX/XX/XXXX in regards to booking a flight using my residual value of {$120.00}. She said I could not use the value to book any future flights ; when she could not help me any further, she filed a complaint for me. She was very rushed and did not explain anything to me. She said someone would contact me within 5 business days.

It had been 6 business days so I contacted Chase Ultimate Rewards again on XX/XX/XXXX. I spoke with XXXX ( who was very helpful ). At first she had difficulty finding my itinerary, however found it in the Chase system using my confirmation code. XXXX contacted XXXX to book my flight using the residual {$120.00}. A supervisor at XXXX said it is their policy that they don't accept residual values as credit towards future flights, and that the leftover money can not be used for any future flights. XXXX told me there was nothing else that I could do and that my {$120.00} and my boyfriends ~ {$450.00} were unable to be redeemed. 

I feel that as a consumer, I was misled by the representative that I spoke with on XX/XX/XXXX. As a result of her lack of knowledge regarding XXXX XXXX booking policies, my boyfriend and I lost ~ {$570.00}. As a customer service representative for travel booking, one should have adequate knowledge of different airline policies when advising the customer. If we had been provided the correct information, it may have affected our decision to change our original flights ( thus, we would not have lost the " residual money '' aka NCO ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-31 00:00:00
Product: Student loan — Federal student loan servicing
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: FL

Complaint narrative:
I disputed this alleged student loan account. I've previously requested to see a copy of original documents with my signature for this loan. I didn't receive the documents in 30 days any of the three credit bureaus. As I further investigated all three credit reports. I noticed the creditor reported different account balances for this account. Innovis never provided me with original loan documents with my signature for any loans or source. Im still requesting same documents or remove loans. My next remedy would be to file a law suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WRJ Holdings, LLC
State: GA

Complaint narrative:
I got a loan from XXXX XXXX XXXX for {$5000.00} to aid me in opening a business. For the next 15 months I had beeen making payments of XXXX XXXX monthly. Three weeks ago the vehicle was totaled by another driver so I called to get the payoff amount and I was told it was {$6400.00}, I asked why the payoff balance was so high after making payments for 15 months and I was told that none of the payments or add it to the principal and they were only interest when I asked how they calculated the final payoff I was told it was 100 % of the principal +2 additional months of interest. I did not think this is fair because I have been diligent about making the monthly payments I was under the impression that a portion of the payments would be applied to the principal.

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 2019-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX pulled my credit and I was pre approved. They pulled three credits at different times bringing down my 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 2019-05-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
Saturday XX/XX/2019, I tried to deposit money into the OUTSIDE Regions ATM where the machine proceeded to snatch {$300.00} of my money and spit it out. I then tried to straighten out the bills and reinserted the {$300.00}. The ATM screen then turned Black and said shutting down. The atm machine still had both my card and the {$300.00}. It rebooted and kept both my card and the {$300.00}. No one knows how to fix this and I want my money. We are now on the verge of losing of losing things

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 2019-05-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
In 2005, I opened a Best Buy credit card and purchased a computer. I remember it well, as it was my first credit card and a very large purchase at the time. I was careful to review everything I was signing. However, I recently learned that, at that time, a monthly recurring charge was added to my account. I never authorized or wanted this " debt protection '' service, as I already have insurance. Nevertheless, I have been charged every month for the past 14 years. When I learned about it, I called, cancelled, and disputed the charges. However, Best Buy reviewed my account and determined that I had signed up for the service at the time of my purchase and have had the coverage since. So, according to them, I legitimately signed up and they will not refund my money. I now believe that the employee at Best Buy who sold me the computer may have used my information to purchase the debt protection in order to receive a bonus or something like that. I can only say that I am certain I did not.

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 2019-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
We purchased our home on XX/XX/2019, two weeks after purchasing our home and getting a loan through XXXX our home was transferred to LoanCare, A XXXX Company Attn : Mortgage Resolution ( XXXX. XXXX XXXX XXXX  XXXX, VA XXXX ). We have never received a statement or any documentation stating the account was going to this new company. We have never received a loan number, payment amount or any information stating what date our mortgage was even due. I contacted XXXX whom gave me the companies information. I then called LoanCare, A XXXX Company Attn : Mortgage Resolution ( XXXX. XXXX XXXX XXXX XXXX, VA XXXX ) and the rep. stated she would mail me a statement which never happened. I called again today XX/XX/2019 for them to tell me our loan is one month delinquent and the next payment is due tomorrow. I requested a supervisor and let her know that they never sent me anything and I can not make a payment until I have the paper documentation. She read me the address they have which is the correct street address but incorrect city and zip code. I t hen requested my past due payment be moved to the end of my home loan since this is NOT my mistake.. the woman said they will not do this. I requested her supervisor and have not heard back.

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 2019-05-31 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: MI

Complaint narrative:
Trying to get the Fraud Alert turned off.

XXXX No Problem.

XXXX no problem.

Experian has been impossible. I have tried the Experian Internet site and when I submit my information the process is stopped. I have called Experian many times. When the computer asks me for my birth date, I type it in, then the computer simply says " Good Bye '' and hangs up. know my birth date. I type it in as MM/DD/YYYY

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 2019-05-31 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: EQUIFAX, INC.
State: GA

Complaint narrative:
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 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. 

XXXX  XXXX ( Original Creditor : 11 XXXX ) XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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:
TransUnion stated they verified bankruptcies on my credit report. Ive attached a letter from U.S. Bankruptcy court stating they dont supply collection agencies information. Im requesting evidence such as the name, address and telephone number of anyone from the original creditor they contacted, to escalate this investigation. If Transunion obtained this information from a third party its illegal.

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 2019-05-31 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: HABITAT FOR HUMANITY INTERNATIONAL, INC.
State: TX

Complaint narrative:
Habitat for Humanity XXXX  XXXX County has listed my account balance the same since XX/XX/2019. I submitted information and documentation to XXXX to resolve submitted dispute for incorrect payment history, continues to report back verified and accurate. 
Habitat for Humanity XXXX XXXX County, I am requesting statement balance as of close of business date XX/XX/2019 to include my payoff balance. I also am requesting the estimated date that my payment made XX/XX/2019 will be submitted and processed. I also would like a written response as to why I I have to contact the CFPB in order to get responses to written request sent certified mail with no answer.

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 2019-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RGS Financial, Inc.
State: IL

Complaint narrative:
My name is XXXX XXXX. During the year XXXX, an account was opened with XXXX XXXX in Florida   reported with my social security number under the name XXXX XXXX from address XXXX XXXX XXXX XXXX, XXXX, FL  XXXX. The account eventually became overdrawn and was subsequently sent to a collection agency RGS Services. In XXXX, I, XXXX XXXX, opened an account with XXXX XXXX in XXXX Wisconsin  from XXXX XXXX XXXX XXXX, XXXX, WI   XXXX. The negative account balance from the previously opened account was transferred to my new account and subsequently went into collections. In XXXX, a payment was made by my bankruptcy trustee to XXXX XXXX for the account opened in Florida which was previously being reported. That payment closed the account, however because the balance was transferred, it appeared as two separate accounts to the collection agency. In essence, the collection bureau, RGS is double reporting the XXXX accounts, adversely affecting my quality of life. When I called to get the information, the representative refused to listen and insisted that because it has a separate account number, it must be a different account. Nonetheless, I dont have a debt with XXXX and currently have an open account with them. XXXX has updated their accounting, however, RGS refuses to comply with the FDCPA and consumer protection laws and have not verified the debts they are reporting. This account is paid in full, and it was not even mine in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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: TX

Complaint narrative:
I have disputed over and over and over again to the tradeline to ATTORNEY GENERAL-XXXX. They are reporting wrong information on my credit report for child support. I have NEVER been late on my XXXX XXXX payments. My XXXX XXXX payments come out my paycheck automatically every two weeks. There is not way I have ever been late. Im asking for the last time to have my credit report to reflect no latenesses and if you can not do that remove that negative tradeline from my credit report. I also need the name of the person who is reporting this to Equifax. Equifax need to get on the phone and call the attorney general office and get this straighten out. This is the last time I will request this to be fixed or my next course of action is to file a lawsuit. I have had enough of this. It seems the only way to get this right is to file a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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: DISCOVER BANK
State: NY

Complaint narrative:
i am XXXX XXXX and i was member with DISCOVER card company from XXXX to XXXX and i do remember calling discover people in XX/XX/XXXX and telling them to turn off my account after i made all rest of my payments. and after few months they starting sending me bills again when XXXX XXXX people were charging my {$100.00}, {$200.00} all the time like they probably charged me 10 times same amount when i closed my account with discover people and while i was never ever using my XXXX   so they were charging me without reason. then i called discover people and explained to them that it was not me but they never made any move they always use to say we'll look into this and then they will put interest on that and send new bill with more money then i got another bill which shows someone was using my card with thier XXXX XXXX because i called discover people again and told them this is not me either then they said someone using your card with XXXX XXXX nd with your mobile phone number on and i was so shocked at that time nd i requested then to close my account again but like always they never did and always put interest on my card and send more bill so this is been happening so i didn't make any payments because i wasn't using thier card so why would i make payments but then my credit score starting going really bad nd now i have to take some steps. i really need justice and your help please look into this. please and apple pay transaction is not me either it's hacked or something because this is just so insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I file a dispute with Capital One regarding a charge on my account in XX/XX/2019. 
Upon filing the dispute, I was advised that I may or may not receive a provisional credit on my account. After filing dispute with Capital One, the company that I originally had issue with, offered a full refund. They advised me of the time frame that it would take to receive refund. I called Capital One and advised them that the dispute had been resolved, and was advised not to close out the claim, wait until the refund was actually received and that Capital One would close the claim themselves. 

I received the refund from the original vendor I received a letter on XX/XX/XXXX from Capital One that I would be re-billed ( credit removed ) That same day, Capital One did a re-bill on my account. However, the representative gave me a credit rather than re-bill. 
I had also been told that I would automatically be eligible for credit limit increase in XX/XX/XXXX. 

I was never advised of any error, mistake, correction etc. 

On XXXX XXXX, 19XXXX, XX/XX/2019 I checked my account, I was preparing to pay account down. I made a substantial payment on my account XX/XX/XXXX. 

On XX/XX/XXXX, upon checking my account to verify the payment had posted, I was shocked to see Capital One had re-billed my account twice to correct the error made by Capital One ( human error ). Upon speaking with Capital One, I was told this action also done on XX/XX/XXXX, the same day my statement closed. However this action did not show up on app or capitalone.com. These actions caused my account to now be close to 300 % over credit limit and close to 100 point drop in credit score. 

I still have yet to receive any written correspondence from Capital One. 

I was in the funding process for my business. Unfortunately, Capital One 's error and has cause my business to not be able to qualify to the funding at this time. 

To and insult to injury ... .my has approx. 7-8 accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
I cancelled my service to XXXX and they said thank you and i thought we were done. Subsequently i received a bill from Waypoint telling me i owed {$310.00} for equipment. I was not informed that i needed to turn in equipment and I did not get any notification that i was being put into collections until it was already on my credit report. When i called Waypoint they said if i paid they would remove it from my credit, i said it needed to be deleted and they said it would be taken care of, so i paid to make sure my credit got cleared, still they did not tell me i needed to turn in my equipment. flash forward a few months it is on my credit still, says paid, but it was not deleted. They said they would not delete it after they inferred they would unless XXXX ( XXXX ) gave them the OK.I called XXXX and they said they would research it and get back to me. I had to call them weeks later for them to tell me they would not help and if i turned in my equipment the would refund the money i paid to the collection company. So now i am stuck with a collection on my credit because of lack of communication by the company and their error to notify 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 2019-05-31 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
Hello, my complaint is with Titlema x in XXXX, GA. My husband and I took out a title loan around XX/XX/XXXX/XX/XX/XXXX.. In XX/XX/XXXX my mother in law passed and we received an insurance settlement in XX/XX/XXXX. In XX/XX/XXXX I called XXXX  to get a payoff and they told me it was around {$2100.00}. I don't recall the exact amount but I went in personally and paid this amount to avoid the {$80.00} electronic fee. I waited for my title for several months. In XX/XX/XXXX I contacted them about my title and was told that I needed to pay for the transfer of names on the title. I paid that fee and still continued to wait for the title to be mailed to me.

Around mid XX/XX/XXXX I received a text that Titlemax was looking for a payment or the car would be repo 'd. We were stunned to say the least. After paying off the vehicle and making a separate payment for the title transfer, Titlemax was claiming they never received any such payment on last year. I can't find the receipt of payment but I know they're establishment is video recorded, 24hrs. They could have at least pulled the tape to confirm this act of me coming in and paying the vehicle off. Why would they ask for a title transfer fee if the vehicle wasn't paid off anyway?

At the end of it all, they repo 'd my car 3 weeks ago. They took my money, my car and have greatly disrupted my home financially. My husband is a XXXX XXXX XXXX with an injured XXXX  and has been catching the bus & train on a 3 hr commute to work ever since. This is just wrong. If I had the money to sue, I would. This company must answer for this. Please help us.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX

Company response to consumer: Closed with explanation