vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-18 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: CA

Complaint narrative:
Hello, I applied and was approved for a Chase XXXX  Credit Card on XX/XX/XXXX. There is a award of one Free Night if I meet certain spending requirement. In their terms it said : " Free Night Award After {$15000.00} in Purchases : If you, as the primary cardmember, spend at least {$15000.00} in purchases during an Anniversary Year, you will receive a Free Night Award good for one ( 1 ) night in any available standard room at any XXXX  hotel or resorts designated as Category 1 through 4 under the World of XXXX  program. This Free Night Award may be earned once each Anniversary Year regardless of the amount of purchases in such year. ( Anniversary Year means the year beginning with your account open date through the first statement date after your account open date anniversary, and the 12 monthly billing cycles after that each year. ) '' It clearly defined the Anniversary Year. My timeline is : XX/XX/XXXX card opening XX/XX/XXXX first statement XX/XX/XXXX 12 monthly billing cycles after that And my spending is : {$12000.00} until XX/XX/XXXX, {$15000.00} until XX/XX/XXXX, and {$15000.00} until XX/XX/XXXX. 

I've waited a month for the free night award before reaching out to Chase several times. Surprisingly, after thinking it was wrong and promising to investigate, eventually Chase denied their own terms and refused to give me the reward : " Please be assured that your account has been reviewed extensively and still does not qualify for the free night after {$15000.00} in purchases. Spend was not met and therefore the night was not issued ... Whether contacted by phone, in a local branch, email or letter, our decision will remain the same. '' I have actually talked to a few bankers in my local branch, they all supported my claim. But response from Chase seemed prohibiting me from further escalations inside Chase. I am only able to be relying on you to give me the justice. 

Attached are the terms ( it didn't change all the time ), and my bank statements that involves spending. 

Thank you so much and I appreciate your help. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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: U.S. BANCORP
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX us bank and My Credit Card account number is XXXX XXXX XXXX XXXX I had stolen my card and someone had swiped my card fraudulenly on XX/XX/2019{$8.00} and {$12000.00} from XXXX XXXX  which I had never authorized anyone..

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 2020-03-18 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 never received any legal contract verifying with my wet signature from me claiming I owe this debt.

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 2020-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: CA

Complaint narrative:
On XX/XX/2020, I contacted Westlake Financial by calling XXXX to ask for 2 months deferment of my payments because I have been impacted by the Covid19 virus. I even spoke to a manager explaining to her in detail that I am economically impacted by the Covid19 virus. The manager would not assist me even after I informed her that I have been impacted by the Covid19. She stated that there is nothing they can do for me. This immediately caused anxiety and caused my blood pressure to rise. How can they not assist their customers with help during this emergency situation? This is unethical and inhumane. I am not running away from my responsibility I am financially hurting due to the Covid19 virus and asking for assistance so that I can keep my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
I submitted request for Consumer Disclosure Report three times. 
First timeXX/XX/2020 by mail and on XX/XX/2020 online and XX/XX/2020 by fax. 
I have never received any report showing any negative accounts information or letter stating that I was removed from ChexSystem.They do not have a live person line and I facing the wall at this point.

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 2020-03-18 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I reached out XXXX XXXX XXXX   along with XXXX XXXX and Transunion multiple times they have not responded with any debt validation. 

I have no contract with XXXX XXXX I do not understand how they are able to report that I have a debt with them if they do not have a contract. 

There are two accounts.

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 2020-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC
State: OH

Complaint narrative:
I recieved a letter today from Capio partners in regards to an alleged debt from XXXX for my son. The letter threatened to report the alleged account to the credit bureaus of not resolved. For one, my son is covered under two insurances, XXXX failed to bill both of them ; one of the insurances is XXXX. I dont owe XXXX  any money and the my insurance companies were not billed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-18 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I recently reviewed my credit report and the accounts listed, do not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-18 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I recently reviewed my credit report and the accounts listed, do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
On or around XX/XX/2020 I apply for a XXXX XXXX  account with XXXX XXXX XXXX application number XXXX was denied because according to sagestream LLC my credit score is XXXX which is wrong information try to reach out to company but they won't resolve my issue they have inaccurate information with my score they won't let me review it or resolve it I never gave permission for sagestream LLC to have my information I got denied credit base on their incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On or around XX/XX/2020 I apply for a diamond card account with Comenity capital bank application number XXXX was denied because according to XXXX XXXX my credit score is XXXX which is wrong information try to reach out to company but they won't resolve my issue they have inaccurate information with my score they won't let me review it or resolve it I never gave permission for XXXX XXXX to have my information I got denied credit base on their incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
1 ) Last summer when I 1st opened up the account they had misspelled my name 's on my ATM cards at this Regions Bank and then the 2nd card they mailed to a false address I went quite a few days and weeks without a functioning ATM card.

2 ) Last XXXX  I had my entire bank account wiped clean from an online predator and I filed reports with the FBI and the police department and Regions Bank never refunded my money and they're supposed to be FDIC insured 3 ) And lastly and without just cause I deposited a check last Friday they're saying they're holding it for over 2 weeks and they will not give me the reason why I am in serious financial  hardship and now because of the Corona virus not being able to work are having an income it's really put a stress on my day-to-day life eating gas and my bills I have filed several complaints with multiple agencies as well as the bank but they will not do anything about it they wouldn't refuse to give me back my check and they refuse to deposit the 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 non-monetary relief
Consumer complaint received 2020-03-19 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: REVERSE MORTGAGE INVESTMENT TR
State: CA

Complaint narrative:
Reverse Mortgage Funding LLC. 
Reverse Mortgage Servicing Department Complaints Management XXXX. XXXX. XXXX XXXX  XXXX XXXX, TX, XXXX Re.. XXXX XXXX for XXXX XXXX XXXX Property address.. XXXX XXXX XXXX, XXXX XXXX XXXX CA, XXXX Loan # .. XXXX I received the company 's response ( see attached letter ) to the complaint I filed with your agency ( case # CFPB XXXX ). The only issue that was addressed, straightforward, was the dollar amount that would be given to me if all of the DIL of foreclosure requirements were met. The other questions I have were not answered directly. Again, the company decided to quote me their ( blanket ) answer ; which is to repeat policy only. 

I attempted to contact the individual who signed the response letter, using the telephone number provided. And, once again, I was placed on a lengthy hold and answered by a representative who informed me that ; the Complaints Management Dpt. is an internal department only. The customer and the representative is unable to contact them. All she could do was document my concerns. 

On XX/XX/XXXX, I telephoned your agency ( CFPB ) and spoke with an agent. It was suggested that I file another separate complaint to address the issue of not being able to not speak to the individuals in the company who could answer my questions. It should not be this difficult to get the answers I need to make decisions in this matter. 

I need a contact number and name of an individual I can speak with who can answer my questions. Straightforward. No run-runarounds. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The following account is not mine JPMCB CARD Account Number :  XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: DC

Complaint narrative:
Moved to XXXX on XXXX and notified Ally Auto about move, Ally then improperly applied 10.25 % taxes to our bill even though the lease was initiated in XXXX and per the definition of a " retail sale '' the tax does not apply to : " Sales of tangible personal property which property was purchased or acquired by a nonresident prior to coming into the District and establishing or maintaining a temporary or permanent residence in the District. As used in this subsection, the word residence means a place in which to reside and does not mean domicile. '' The sale is determined when initial possession took place at the beginning of the lease : " Sale and selling mean any transaction whereby title or possession, or both, of tangible personal property is or is to be transferred by any means whatsoever, including rental, lease, license, or right to reproduce or use, for a consideration, by a vendor to a purchaser, or any transaction whereby services subject to tax under this chapter are rendered for consideration or are sold to any purchaser by any vendor, and shall include, but not be limited to, any sale at retail as defined in this chapter. Such consideration may be either in the form of a price in money, rights, or property, or by exchange or barter, and may be payable immediately, in the future, or by installments. ''

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 2020-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SLM CORPORATION
State: CA

Complaint narrative:
The following account is not mine SALLIE MAE Account Number : XXXX**** Please remove it from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Exprian has disregarded my attempts to correct my report, ive paid off all of my credit cards in full and spoke with the company an verified that they have reported it to exprian, upon opening a dispute i called an was hastly told there is nothing i can do and that it will update when it updates, this was extremely unprofessional and rude. 
The same day i received a email saying the accounts were verified with my card company and that the reports will stay the same that is simple not yhe truth.

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 2020-03-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
Cash Net USA claims they made a loan to me and deposited to my XXXX XXXX. I never got the money on my bank which is XXXX  XXXX XXXX. Any way they have been trying to withdraw the money last week every single day and for the reason XXXX  XXXX XXXX cancel my card. I told this people to send me proof of debt verification but they haven provided and they been calling me like 3 times a day to my cellphone and including my employer number. They haven provided proof of debt verification where they have 30 days to do so because I told them I am disputing such debt. I never got such money on my XXXX XXXX bank. They have fail. I told them via text message and phone to Stop all communications and to communicate to via email to the address they have on file. They have fail. So I want you to contact them and tell to stop and XXXX   balance otherwise you may impose a fine for violating consumer laws which as debt protection laws and other regulations enforced by the Federal Government. Thank You. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am a XXXX  CREDIT CARDS NEW CUSTOMER. I opened the credit card account with CAPITAL ONE in XX/XX/2020 and now it is XX/XX/2020. I make my FIRST on time payment with the minimum amount and nicely ask for a fee waiver of {$8.00} when I realize I am being charged that amount in interest fees for not paying a much higher amount or pay in full. This is only 3 days after my payment. I say to them that this blew me off since Im a new customer and my account has not been in delinquent state. My request was DENIED, when the reason of my call was to pay my balance of {$460.00} in full. I do not understand the why CAPITAL ONE has an ESCALATION department when they dont help the customer. I mean what are they getting paid for? To make the bank loose money and customers? Clearly I am not rich and if Im taking of my time to go through all these departments is because I need those {$8.00} dollars back. I work very hard to give my money away like that. I ended up closing my account because I didnt like the way I was treated by first, associate ( who seemed to take the situation personal and almost hang up the phone on face ), then supervisor ( who lied to me, saying that there was no other department that I could seal to being the fact that I was upset ) and then the escalation department ( who also seemed to take the situation very personal when I asked to speak to someone above her ). Its crazy how the this bank handles their business. I mean they prefer their clients going into debt collections, credit history downfalls, company reputation for not issuing a refund to a customer thats asking to make payment in full to their first balance. Its crazy how some people are being hired and wont help clients build a good and healthy credit relationship and history I mean all I was trying to do was pay up my debt before more interest gets accumulated. UNBELIEVABLE the training these people are receiving up in Florida. 

Attached is a picture of of account and the interest charged right after my payment. I also have the audio of the phone calls I made to Capital One today and all the times I was told NO for an answer and I was not listened because, Why would they pay attention to me when their answer is a Default. Because according to them, they cant waive a fee that has been waived to me in the past with Capital One itself at the supervisors discretion. The typical answer that is so overrated that the their system doesnt allow them to waive a fee, when I know is a lie and I tell them that Im the audio. Capital One itself rules that fees can be waived at their discretion. 


This is the agent I spoke to from the Escalation Department. 

XXXX XXXX Florida The supervisors ID is XXXX, also located in Florida.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
I have a loan with Nationstar Mortgage LLC, d/b/a Mr. Cooper. 

On the XXXX of XXXX, 2020, I called to get my FHA MIP Insurance ( PMI ) removed since I had paid off 20 % of my loan. The PMI is {$86.00} per month. I was told that I qualified and that the process would take less than 30 days. I specifically asked for some sort of acknowledgement be sent to me that my request was received and would be acted upon. I was denied this request. I was told that the only notification I would receive would be a letter when the PMI removal was approved. 

On the XXXX of XXXX, 2020 at XXXX XXXX  EST, I called and spoke to XXXX in the PMI department. She told me that the PMI removal was not processed in XXXX, so she would submit another. She also said she would call me back Friday the XXXX of XXXX, 2020 with a follow-up status. I then also put in a complaint that nothing was done in XXXX. I asked for reimbursement of the PMI since the loan servicer did not do its job and that cost me money. 

On the XXXX of XXXX, 2020 at XXXX XXXX  EST, I called back since I never received a follow-up call from XXXX. I spoke to XXXX in the PMI department ( ticket XXXX ). He told me that the PMI removal request from the XXXX was processed, and it would be taken off the next bill. He sent me a secure email and mailed a hard-copy, both of which I received. I then inquired about my complaint. XXXX informed me that the complaint was not entered correctly, so no one else saw it. He told me he would escalate this complaint to his manager. I asked for 3 things : 1 ) reimbursement of 2 months of PMI since the loan servicer didnt process my request for 2 months, 2 ) a call back from the manager on Tuesday the XXXX, 3 ) an explanation of what went wrong on both of the prior calls. 

It is now the XXXX of XXXX, 2020 at XXXX XXXX  EST, and I have not received a call back from anyone at Mr. Cooper.

Company response to consumer: Closed with explanation