vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-20 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: FL

Complaint narrative:
My Chase Bank online statement lists balances for checking, savings, and three credit cards ( old and new ). On XX/XX/XXXX I saw balance for card ending XXXX was {$0.00}. But I had XXXX reward points ( equivalent to {$540.00} ) and the statement showed 0 points. 
I called Chase and said I wanted to claim points but they were not on my statement. 
XXXX said they would follow up and get back to me. 

Chase letter of XX/XX/XXXX said the card ending in XXXX was closed by the bank on XX/XX/XXXX. As per terms and conditions of the reward program, if the account is closed for any reason the reward points is forfeited. 

I protested an unfair situation on the phone and visited my Chase Branch and received no satisfaction. Called again by Chase on XX/XX/XXXX and told they would not give me my points ( money ). 


I have a very active checking, savings account and a very frequently use my preferred Chase credit card for which I pay an annual fee of {$95.00}. 


I had no reason to believe Chase would close card XXXX and CONFISCATE my XXXX points since I am an active Chase client always in good standing. 

I never have been provided a copy of rewards terms and conditions. 

Chase never told me that my reward points were to be confiscated. They never offered to send me a check. They never offered to transfer my reward points to my very active Chase Sapphire Preferred card. 

Chase has policies that are self serving and lack adequate protection for clients in my situation. 

Chase had ample opportunity to notify me so that I could protect my reward points. I receive statements every month and I call the card center on various occasions. Chase was there to confiscate my {$540.00} but not to responsibly give me the opportunity to collect the reward I earned. 


My statements did not clearly show reward point status for card XXXX and online reward points are not show except buried on subsequent screens. 


Please get Chase to restore my CONFISCATED points ( {$540.00} ) on the card they closed for no valid reason. 


Please get Chase to initiate policies that also protect the client and not only them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cypress Financial Recoveries, L.L.C., OCALA, FL Branch
State: CA

Complaint narrative:
I currently owe a small debt ( {$400.00} ) to Cypress Financial LLC.

I managed to reach out to them to pay off this debt at one point, but they refused to send me any sort of documentation for proof of debt/debt being paid. Instead, they insisted I simply " just send the money in ''. When I asked for some sort of written documentation they refused. 

Now I try to call them to pay off debt and again see if I can just get some documentation on the debt itself, and no one ever picks up nor returns my calls/emails. 

I'm fully willing and more than capable to pay off this debt, I just want it done with as it's doing harm to my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
I had told Nissan Motor Acceptance in the middle of XXXX that the company that I was working for might close down or I might be starting a new position and that my car payments would potentially be late so I had told the representative that and they assured me I would not continue to get calls after that I have received 8 calls in one day 10 calls in one day six calls in one day as well as repeated voicemails in the same day that  there was nobody 's voice on it and I've told them to stop calling me I understand I owe it and it always gets paid and they didn't really seem to care I ask for their corporate number I got the corporate number and I just want them to stop calling me repeatedly because they are violating the fdcpa with abusive phone calls. I constantly hear my phone go off from several numbers linked to nissan throughout my work day. Its very distracting

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am having issues with inaccurate information showing on my credit report my name should be listed as XXXX XXXX XXXX. Please remove any other variations of my name. My only address is XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX please delete the following addresses they are not mine!!! 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I purchased a round trip airfare ticket online through XXXX on XX/XX/XXXX. The flight is scheduled for XX/XX/2018 and returning XX/XX/2018. I have explained to both American Express Serve and XXXX, there is no way I can use the tickets for this time frame as I have just started a new job. Neither of them are willing to assist me with a refund and I dont have {$270.00} to just give away. I was hung up on by both companies after they explained their policies and told there will be no resolve. Which does not make any sense to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hi there, Citicards has increased the interest on my citi preferred credit card to 29.99 % without a notification to opt out or anything, When I have noticed, I have contacted citi several times to resolve this, however they largely ignored my requests bouncing me from one person to another endlessly, telling me different story each time I would call to request to lower the interest and have my account credited back for all the extra money they have charged me so far. Their excuses for the increase were, that I was late with one payment for one day, back in XXXX, 2017. Next time I called, they told me that my interest is so high because for the most time i pay only the minimum due on my account and not the entire balance, which were news to me, with this card I never heard that before. The citi, told me that they don't have to send the opt out notices and that the charges are valid, which i dispute, being tired to be bullied by this guys into paying such ridiculous interest rates. 

My credit standing is good and I am in good standing with the Citi bank too so far. Because, today when this issue was only resolved partially, and only because i have told them that I will be paying next monthly bill when they address this. They have lowered the interest to start next billing period to 17.99 %, but absolutely refused to honor or negotiate my request to credit my account for all the extra interest that was charged so far and the monthly payment adjusted as of today, so I could pay the bill with my old interest. 

I would really appreciate your help with this. 

Thank you, 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 2018-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX , XXXX with the address of XXXX XXXX XXXX Suite XXXX, XXXX XXXX, CA XXXX, phone # XXXX is attempting to collect a debt from an account that does not exist. The letter is in reference to a XXXX XXXX credit card account, which does not exist. I only have a membership with the XXXX XXXX, and have no credit account with them. The collection amount is {$280.00}, charge-off date XX/XX/2018. Letter was received XX/XX/18.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management
State: PA

Complaint narrative:
I recently noticed an account listed on my credit report by a company XXXX XXXX for the amount of {$680.00} for service in 2015. There are several issues with this account, the first being that I was unaware of the account, and secondly the amount of the account did not make any sense as the bill clearly did not take into account health insurance. At the time that the service was to have taken place in 2015 ( I am unsure of the exact date as I have no correspondence with the company ), I was covered under the military XXXX XXXX plan as a dependent ( military spouse ). This is why this is completely confusing regarding the amount sought. Also, the account was not on my credit report prior, it was only listed recently and no correspondence was sent to me. This company is attempting to make me pay a medical bill in full as if I did not have medical coverage, but I did in fact have medical coverage. I have tried to contact the company with the number listed on my credit report, but every day the company is closed and only have a voicemail for customers to leave messages on. There is no company hours listed on their website, which conveniently only has the option to make payments. This company has two numbers listed on XXXX, but neither one works. I am confused and frustrated and trying to resolve an issue but I can not seem to get in contact with the party in question to do so. I am not trying to get out of paying the debt if it was for my service, I am simply asking for it to be the correct amount that it should and not my being charged as someone without insurance as I am not. This company has history of incorrectly billing people who have insurance and I do not want to be added to the long list of unhappy consumers. Check XXXX for proof of that.

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 2018-08-21 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: LEXISNEXIS
State: MD

Complaint narrative:
I reached out to Lexis Nexis on XX/XX/2017, and requested an full file disclosure report. After I received said report I immediately reached out to Lexis Nexis and dispute inaccurate information of my credit report and request correction and a new full file disclosure report to verify all infomation was corrected within their 50 plus page file.. 

I have contacted Lexis Nexis ten times and requested a copy of the full file disclosure consumer report and to date Lexis Nexis has refsued to the follow the FCRA and provide the consumer with a complete copy of their reports including reports for their subsidaries companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I currently owe a small debt ( {$400.00} ) to XXXX XXXX XXXX. 

I managed to reach out to them to pay off this debt at one point, but they refused to send me any sort of documentation for proof of debt/debt being paid. Instead, they insisted I simply " just send the money in ''. When I asked for some sort of written documentation they refused. 

Now I try to call them to pay off debt and again see if I can just get some documentation on the debt itself, and no one ever picks up nor returns my calls/emails. 

I'm fully willing and more than capable to pay off this debt, I just want it done with as it's doing harm to my credit.

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 2018-08-21 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: Great American Finance Co
State: IL

Complaint narrative:
On XX/XX/2018 I redhead out to XXXX XXXX XXXX XXXX to inform them that I am a victim of identity theft and that the account they have reporting on my credit file is not mine. They still have not removed the account.

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 2018-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I been a chase customer for almost 10years and they all of a sudden restricted my account without notifying me and they wont release my funds to me or completely close my account. I am late on my rent due to this issue and every time i call them about my issue they are all rude and give me different false dates of when they will release my funds to me. i requested to close my account and they refuse to do so.What a nightmare!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been working with XXXX XXXX for the past 3 months trying to figure out why the loan I have with them has not been reporting on my credit as promised and included in the contract I signed with them it says so. This entire time I've had this loan since XXXX of last year it has not reported properly. Now -- this Wednesday is my last payment and every payment has been made on time and it's not on my credit! Before it was and the balance was high and not reporting payments made. This impacted me getting credit and that's why I asked them to fix it but they have NOT fixed it. I have reached out to the district manager -- -and even asked her if I could talk to corporate. NO one has called me back. I keep hearing it'll be on there in two weeks but still nothing.

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 2018-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have been working with XXXX XXXX for the past 3 months trying to figure out why the loan I have with them has not been reporting on my credit as promised and included in the contract I signed with them it says so. This entire time I've had this loan since XXXX of last year it has not reported properly. Now -- this Wednesday is my last payment and every payment has been made on time and it's not on my credit! Before it was and the balance was high and not reporting payments made. This impacted me getting credit and that's why I asked them to fix it but they have NOT fixed it. I have reached out to the district manager -- -and even asked her if I could talk to corporate. NO one has called me back. I keep hearing it'll be on there in two weeks but still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have been working with XXXX XXXX for the past 3 months trying to figure out why the loan I have with them has not been reporting on my credit as promised and included in the contract I signed with them it says so. This entire time I've had this loan since XXXX of last year it has not reported properly. Now -- this Wednesday is my last payment and every payment has been made on time and it's not on my credit! Before it was and the balance was high and not reporting payments made. This impacted me getting credit and that's why I asked them to fix it but they have NOT fixed it. I have reached out to the district manager -- -and even asked her if I could talk to corporate. NO one has called me back. I keep hearing it'll be on there in two weeks but still nothing.

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 2018-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Terrill Outsourcing Group
State: NY

Complaint narrative:
I keep receiving calls after calls all times of the day and evening from " XXXX XXXX '' which is a collection company claiming that I owe some type of money 's " which I don't owe ''! I've asked this company to stop calling and contacting me, however, they don't stop and continue to yell at me over the phone using foul language and keeps making false statements as to me verifying myself when I never gave my name or SS #.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Once again Capital One is trying to run circles around me by admitting they debited my account of {$630.00} because they issued me a check for {$630.00}. I assume they want me to just give up on my {$630.00}, but I can not do that. Right is right, and they are wrong. How in the heck can they say they are justified in sending me a refund of my own money {$630.00} and then turn around and charge me that same {$630.00} again? It is even clearly spelled out in their letter to me dated XX/XX/2018. They admit that they sent me {$630.00} ( which I did cash ), and then turned around and charged me {$630.00}. In my second grade math class I learned that {$630.00} minus {$630.00} is {$0.00}. That means I am still out {$630.00}. They returned my money and then promptly turned around and charged me that same amount. Unbelievable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have had my ID compromised 3 times in the last 15 years. Through data breach and my wallet stolen. Once while working at XXXX in Pennsylvania. All my cash and CC were stolen. I called them all and cancelled info and cards. 
XXXX insists I have a CC through XXXX I do not/never did XXXX had me as having a card- I do not/never did The reporting agencies have me down for something from a place called XXXX no idea. 
XXXX card- I have never had one. 
There are also a tone of credit inquiries on my report that I have not initiated. From California, Arizona, XXXX XXXX and other weird inquiries. 
One of the agencies has my name as XXXX XXXX XXXX Wrong/ It is XXXX XXXX XXXX XXXX 
At one point I was listed as living in Montana AND a P, O, Box in Maryland at the same time. They have me once residing at an address in XXXX that I have never lived at. 
A collection agency keeps reporting me for a XXXX doctor  from over 10 years ago that my insurance paid and my husband paid the difference by check. 
I have contacted the agencies and they send a letter to my home telling me they can not verify me. I dispute over and over again to no avail. I have lived at my current address for over 14 years. There was a loan co signed for my dead Mother who passed 13 years ago still on there.

I have only three active credit cards and they are in good standing. XXXX, XXXX and a XXXX XXXX mastercard. That's it. No mortgage, student loan or anything. 
These errors are killing me. I had hired a '' fix the errors '' company years ago but they were socking me {$89.00} dolloars a month and were only able to make a slight headway after 8 months.

Company response to consumer: Closed with non-monetary relief