vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-22 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Approximately 3 months ago, I applied for XXXX XXXX XXXX  Credit Card by Chase. My application was approved and an annual membership fee of {$95.00} was collected from us. On XX/XX/XXXX Chase sent us a letter notifying us that Chase would close our account effective XX/XX/XXXX. Chase did not state the reason for closing. I called in Chase customer service and talked to supervisor and asked for reason of closing since I am a long time customer of Chase. I have multiple high value residential and commercial loans with for the last 15 years. My credit is excellent. I paid my card 's balance off each cycle. So why did Chase close my XXXX  without any justification or advance notice? When I received the XXXX XXXX, I cancelled my other cards. Now that Chase just closed the account so abruptly, It did not leave me any time to apply for other credit card from other banks. The supervisor that I talked to basically did nothing other than telling me that she is following the policies. I then asked her for a refund of my {$95.00} annual card fee since Chase collected this money and then proceeded to close my account shortly after that. We would like to get our {$95.00} annual fee back.

I believe that many consumers were bullied by Chase banking practices. Few years back, Chase closed my previous Chase credit card which I had for 30 years and stole away our XXXX  point earned over the years when I forgot to pay my annual fee of {$39.00} because I signed up for online statement and missed the payment by 3 months.

Chase is contradicting itself in banking services and practicing discriminatory in services by maintain multiple commercial loans with the consumer but proceed to close his/her Chase credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
My original debt ( amount {$860.00} ) was with XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, TX XXXX ) for early termination of my lease in XX/XX/XXXX due to a job transfer.

On XX/XX/XXXX, I personally delivered a cashier 's check for the full amount amount which was signed by the Assistant Manager on duty. I also have a letter from XXXX  which they faxed to my current renters showing that I have a XXXX balance with their company ( attaching copies ).

A couple of months later ( after payment ), I started receiving call/mail from National Credit Systems in an attempt to collect this debt. I kindly explained the situation and sent them copies of the paid amount via cashier 's check. Till this day they continue to contact me me via calls and mail even after I've submitted disputes via the 3 credit bureaus and even hired a credit repair agency which also sends letters on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 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: NJ

Complaint narrative:
I applied for this credit card around two years ago when I was at a job that was paying me more than my current job. I worked more hours at that job, but I had to quit because it affected my school performance for the worse. I got a better job afterwards that accommodated my lower hours, but of course, I'm paid much less. My previous job paid me at least {$160.00} every bi-weekly paycheck and my current job now pays me around {$80.00}. I struggled to pay minimum payments for a few months because I was going through a tough situation concerning my mental health so making a monthly payment had been a problem, so of course, the minimum payment increased. It is now {$75.00}. I've been looking for other jobs that would pay me more while still balancing my full-time position at school, but it's a struggle to have such a big blow to my money since I have to pay for food and parking at school as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Century First Credit Solutions
State: NY

Complaint narrative:
It is a previous complaint # XXXX The result of that complaint was a offer from the debt settlement Company of {$800.00} they sent me a paper with the information without any explanation. I am in a fixed income having a financial hardship then I signed in XX/XX/2018 the document with the promise of receiving the money in the following 1 week and give the document back to XXXX XXXX. Since then three months has passed and I never heard back from them and all the calling attempts to ask for the money back were in vein. They always saying that the check in on their way but I have not receive it yet. 

I was looking for help with my debt and I got the information from the settlement company called XXXX XXXX XXXX. XXXX XXXX XXXX representative from the company that told me that in six months my debt will be negotiated. Total amount paid during 16 months was {$6800.00} minus two creditors that were paid total of {$2500.00}. I couldn't complete the program due to my financial hardship and they never explain my rights or options from the beginning, for instance I am a senior citizen XXXX year old with a fixed income less than {$500.00} SS, without any job or other source of income and they never told me I was protected from the creditors or collections. With the hope they gave me I was taking food from my table with the hope to clear my debt. Then after I interrupt the contract they didn't returned my money back the difference of {$4300.00}. 

I am also trying to contact the intermediary bank they use for this purposes XXXX XXXX XXXX ; I spent unsuccessfully hours on the phone waiting for a representative. I sent them letters twice and they never replied to verify the statements or detail information about the account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/18 I called Bank of America to ask for help in lowering my payment or my interest rate. I have a large amount of debt and am struggling to even make the minimum payments, which are all going to interest. I have had this debt for multiple years along with another large credit card from another company and now a car loan payment. They said that my interest rate was the lowest they could do, without even asking any questions and said there was nothing they could do to help and suggested I look into a debt consolidation company.

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 2018-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2018, I authorized XXXX XXXX XXXX to sent my credit application to XXXX only. There was a miscommunication with the sales office and finance department and my credit was obtain by lenders ( XXXX XXXX XXXX, XXXX XXXX, XXXX, etc. ) that was not authorized. The Finance Manager sent an email to correct the error on their part but the credit bureau indicated inquires can't be disputed resoluting in a decrease with all three credit scores of mine.

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 2018-03-22 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: NJ

Complaint narrative:
Bank of America set up a student checking account for my son with me, his father, also on the account. For some reason they have an overdraft mechanism on the account that if he goes over or negative, the charge goes through and he gets hit with a {$35.00} overdraft fee, which recently happened. 

So I asked if the {$35.00} could be reversed for it is a student account but they said its not a student account, it is a UGTMA, so they didn't reverse the {$35.00} charge. This is not what we set up - we thought it was a student account.. And they can't delete the overdraft mechanism. 

So it's just an account that will collect fees from a student. Kind of ridiculous. Thx

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 2018-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have tried for the last few months to cancel a recurring charge for service. Experian requires you to call them and then they have a 2 hour hold before they will take your call. There are several numbers, same result. 

It is impossible to stay on line for 2 hours. 

Last charge : XX/XX/2018 for {$12.00} recurring over last year or so. 
I understand that there must be serveral others who are trying to cancel but get discouraged by the 2 hour hold time for calls. 

I cant access them online either and there is no help available to do so.

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 2018-03-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
On XX/XX/2014 .AMOUNTS ARE $ XXXX.THIS IS PAYDAY LOAN. I DID NOT LOAN IT. IT WAS NOT MY SOCIAL SECURITY NUMBER ALSO. I DID NOT KNOW THEY WERE HAVING TO REPORT TO THREE COMPANIES CREDIT THAT I OWERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Quality Asset Recovery LLC
State: PA

Complaint narrative:
Hello, I am making a formal complaint about the Quality Asset Recovery company.

There are 2 claims. One for XXXX   and the other for XXXX. The time of service was XX/XX/2015. During that time, we had XXXX XXXX XXXX through my husband 's work. I called the hospital making the debt, they said it was a wrong code. I called the doctors office, they said it was the hospital 's fault. I called the QAR department, they never told me I could file a dispute. I also called the HR department at my husband 's work. I was told that if the QAR had told me it could be resolved earlier, it could be, but they never did.

This claim is for a XXXX XXXX XXXX XXXX I had because I XXXX XXXX XXXX. A XXXX. A necessary procedure. I had insurance. I am trying to buy a house and this is on my credit report.!

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 2018-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
student loan with XXXX XXXX reporting to my credit file that doesn't belong to me email company and send letter by mail asking proof of document have not gotten anything or hear back from them account was removed from my credit file but then 3 month later put back on

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 2018-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
student loan with fed loan reporting to my credit file that doesn't belong to me email company and send letter by mail asking proof of document have not gotten anything or hear back from them account was removed from my credit file but then 3 month later put back on

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 2018-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Io, Inc.
State: VA

Complaint narrative:
During a medicial visit in XX/XX/XXXX an incorrect address was entered into my patient information. Several months later in XX/XX/XXXX after learning that there was an issue with my payment I contacted the medical office inquiring about my bill. After learning that my bill was 60 days past due but I had not received any statements I notified them of the correct address and requested an invoice be sent immediately. I was informed that the account status would be placed on hold and a management representative would contact me. In XX/XX/XXXX I contacted the medical office again informing them that no contact was made from their office via mail or phone call. I was informed that the debt had been sent to a collector and transferred to this collector. I again varified my correct address with the collector and requested a notice of debt in order to dispute. The notice of debt was never sent and no attempts at contact were made from this collector via phone call or mail. In XX/XX/XXXX after attempting to dispute the debt on my credit report I received a letter from the collector stating that my debt would not be removed and was found to be valid since I forfitted my right to dispute. I contacted the collector and informed them that I had requested a notice of debt one year prior and provided a correct address and was never sent a notice. The representative verified the documented phone call and acknowledged my request and also acknwledged their failure to provide notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/18 I called Chase Freedom to ask for help in lowering my payment or my interest rate. I have a large amount of debt and am struggling to even make the minimum payments, which are all going to interest. I have had this debt for multiple years along with another large credit card from another company and now a car loan payment. They said that they could possibly help me. They asked me a ton of questions about my income, my monthly payments, my utilities etc. XXXX seemed to want to help and said he could get me a lower interest rate and payment and even set a date for payment. He then put me on hold and when he came back, he said he couldn't help me. He said his manager didn't give him an explanation but that he could not help. He suggested a debt consolidation company and ended the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
I notice a new collection on my credit report that I have not received validation for. Please provide me with a contract or instrument bearing my signature that says I am responsible for a debt with your company. I do not want anything sent in the mail. I prefer everything to be submitted and uploaded via the CFPB portal

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I opened an Delta Skymiles-American Express credit card clicking a prompt that came up on the delta website that said it offered XXXX bonus miles and XXXX dollars off of statement if I spent XXXX dollars in the first 3 months. After my application, I didn't receive my card. It looks like I applied for the card on XX/XX/XXXX, and didn't receive the card for months after that. Because I have a life, I forgot about it and contacted the company in XX/XX/XXXXto check the trajectory of my card. They said they sent it, I didn't receive again, in three more trials I finally got it. I started using the card as soon as it arrived and spent XXXX dollars in three months. While I was expecting to get my miles this month, they say because I didn't spend XXXX until XX/XX/XXXX, they can not give me those miles. 
I think they delayed the delivery process in purpose and did not inform me that the date of three months started the moment I applied for the card. Basically by the time I received my card, there was no point to using it already.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: CORELOGIC INC
State: WA

Complaint narrative:
Late XX/XX/XXXX " Corelogic/XXXX '' received my request for a security freeze on my consumer file and a release of my report to be mailed to me. 
They complied with half of that request, I have yet to receive my full consumer report. All I want is to have my report sent 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 2018-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX Navient tagged my credit 49 times as late on payments. I was never informed that I was late or delinquent and it is crushing my credit score. I'm a victim of predatory practices from a notoriously predatory company. I am current with my loans and have paid thousands to Navient and other private student loans, but the late payments still persist and it's hard to live my life. It's hard to get approved for car loans, credit cards, etc.. Always subject to high interest rates etc.. I just want this company, who's supposed to be the US department of Education, to remove these late payments. It is of no use to anyone to continue to bury as if I don't pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
told the company I never open a credit with them I open have a car loan told the company the that credit was not used by me and nothing was done

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 2018-03-22 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: U.S. BANCORP
State: TX

Complaint narrative:
On XX/XX/2018, I authorized XXXX XXXX XXXX to sent my credit application to XXXX only. There was a miscommunication with the sales office and XXXX department and my credit was obtain by lenders XXXX XXXX XXXX XXXX, US Bank, XXXX, etc. ) that was not authorized. The XXXX XXXX sent an email to correct the error on their part but the credit bureau indicated inquires can't be disputed resoluting in a decrease with all three credit scores of mine.

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 2018-03-22 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: AES/PHEAA
State: FL

Complaint narrative:
CALLTHE COMPANY TOLD THEY THIS ACCOUNT DOSENT BELONG TO ME EVEN EMAIL AND DISPUTE THIS ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
NAVIENT : The past due amount reported is incorrect, please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Reference ID : XXXX I received an email stating my funds are available for withdrawal, but the system isn't allowing me to add a bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES
State: NY

Complaint narrative:
i have a XXXX XXXX XXXX XXXX student loan. I just took a break from school going through financial hardship XX/XX/2016 credit report of a XXXX day missed payment for student loan debt hit my credit score. i attempted to call to see if this was true i was really unaware at the time and have speak about having this removed and lower monthly payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation