vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had over XXXX ultimate reward points which I value for over {$6000.00} and the bank took it away after closing my account. 

The whole reason the bank recently closed my account was for having an old balance with them from a write off account, I had with them in the 2008 recession. Although, it was clearly discussed while I opened the account and I even offered them to pay it which they refused. They were totally ok and fine to open the account. Therefore, I'm very concerned about why they suddenly closed it now, after again being with them for a couple of years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 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: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : l XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX/XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ACS Education Services
State: FL

Complaint narrative:
The company filed a negative credit notation on my credit for a debt from XXXX, and can not be reached. it has no valid phone number. The debt was paid off the actual collection company that has the account with XXXX. The company is re-aging this debt to show it as if it was a brand new debt. The debt was forgotten by me after a XXXX bankruptcy. As soon as I learned of it, I paid it off. This company can not be reached and it did not have the account since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 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: LA

Complaint narrative:
I was involved in a abusive on and off relationship and I walked away for good, from this relationship, years ago. And every time I would leave this person would offer money and credit cards to come back. I didn't accept them and now I find two Authorize user credit cards showing on my credit report, as bad charged off debt. I have never applied for in person, over the phone, online nor have I signed for these accounts or given permission to the these companies to have my personal information. 

I never received a credit in my name nor have I ever used a credit card from these two companies. Any debt that was acquired on these accounts have no bearing on me, as I have no knowledge of them and didn't request them or use them. There is no documentation or verbal consent from me binding me to these debt and they should have my personal information, as I never provided it to them! 

The accounts are as follows : XXXXXXXX XXXX  XXXX opened XX/XX/XXXX in the amount of {$3500.00} ( authorized user account ) XXXX XXXX XXXX opened XX/XX/XXXX in the amount of {$700.00}

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 2019-04-08 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: LA

Complaint narrative:
I was involved in a abusive on and off relationship and I walked away for good, from this relationship, years ago. And every time I would leave this person would offer money and credit cards to come back. I didn't accept them and now I find two Authorize user credit cards showing on my credit report, as bad charged off debt. I have never applied for in person, over the phone, online nor have I signed for these accounts or given permission to the these companies to have my personal information.

I never received a credit in my name nor have I ever used a credit card from these two companies. Any debt that was acquired on these accounts have no bearing on me, as I have no knowledge of them and didn't request them or use them. There is no documentation or verbal consent from me binding me to these debt and they should have my personal information, as I never provided it to them! 

The accounts are as follows : XXXX XXXX  XXXX opened XX/XX/XXXX in the amount of {$3500.00} ( authorized user account ) XXXX XXXX XXXX  opened XX/XX/XXXX in the amount of {$700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MO

Complaint narrative:
In XX/XX/XXXX, I got a loan from one main fiancial for XXXX. I had been current on this loan till XX/XX/XXXX were my wife took ill and I had too take over all our bills. The balance was just over {$1900.00} when I stopped paying the bill. One main financial had stopped contacting me about the loan. Until late XX/XX/XXXX, to where I was informed by XXXX XXXX XXXX, a collections agency that they are representing one main financial and that they were attempting to collect over 3300.00 dollars on behalf of one main financial. They had got a court date and was pursuing too attempt to collect this amount. I contacted a lawyer that specialized in these situations. He told me I didnt have to go too court that he would handle it, which I wasnt able to attend anyway because of work. I assumed he would fight for the previous amount mentioned and that I owed. He said they wouldnt move from that price so we agreed that if I made a payment bye XX/XX/XXXX the judgement order wouldnt be enforced long as I stayed concurrent. Ive been current on such loan. On XX/XX/XXXX they one main financial reported to the credit bureau that I was late on loan. If this would have been discussed in renegotiating the loan ( meaning that they would still be reporting me as late to credit bureaus ) I would not have agreed to any terms with one main financial are there lawyers XXXX XXXX XXXX. They are deceiving the consumer allowing them to think that the loan has been put back in gud standings and it would be that way as long as youre current on said loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 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: CITIBANK, N.A.
State: OR

Complaint narrative:
I opened a Citibank XXXX ( zero-interest for transfers for 15 months ) credit card three months ago. Citibank XXXX has contacted me each month claiming that the banking information I have given them is incorrect and that the payment was rejected by my bank. I have made three attempts to correct the problem, each time being assured that the information had been corrected. I then get emails and harassing phone calls ( 7-8 a day ) saying that my account payment is overdue and that my automatic payment was rejected by my bank. I have called my bank each time and have been assured that no attempt has ever been made to withdraw money from my bank account by Citibank 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 2019-04-08 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I had over a million thank you points with Citi bank which they took away upon closing my accounts. I have multiple letters from them they've sent to me stating ; that I have 60 days to redeem. However, they immediately took it away.

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 2019-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 30 120 days past due on the XXXX partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) These accounts reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank Re-opened and Closed their online portal before I could upload documents ... Claimed dispute is flagged as closed so gathered data is useless ... I have no way of getting around and no analogue phoneline to fax ... 
90 Minute Holds result in a dumped call regarding the mishandled case in which I was told one thing, but The bank performs a totally diff action. 
The Data upload situation is a Catch-22.

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 2019-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc.
State: CA

Complaint narrative:
I was insured by XXXX XXXX until XX/XX/XXXX. I paid all premiums, copays, and bills received and was paid in full at the time when I switched insurance carriers. I received a debt collection notice from a third party, XXXX XXXX, dated XX/XX/XXXX, claiming that I owe {$250.00} to XXXX XXXX and that I could settle the debt for {$62.00}. As I did not owe any premiums and had not even used XXXX 's services in months at the time when I concluded my insurance with them, and, as it was not mentioned to me on the phone with XXXX when I closed my account, this appears to be a fraudulent charge. I am wary of providing any further information to this company regarding this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
SOMEONE ORDERED A NEW XXXX XXXX  CREDIT CARD AND TRIED TO SEND It TO ANY OTHER ADDRESS THAT WAS NOT MINE. ONCE THE CARD WAS CANCELLED I WASNT ABLE TO SEE It ON MY ONLINE PROFILE ANYMORE TO MAKE SIMPLE TRANSFER PAYMENTS AND I WSNT NOTIFIED. I HAVE HAD THE CARD OPEN SINCE XX/XX/2016 AND NEVER MISSED A PAYMENT. I HAD TO GO INTO THE XXXX XXXX  BRANCH TO VERIFY MY ID AND THEY ORDERED ANOTHER REPLACEMENT CARD AND CHANGED/VERIFIED MY INFORMATION. I DIDNT HAVE A CARD AND WASNT ABLE TO USE FOR 2 MONTHS. I PULLED MY CREDIT TODAY AND ITS SHOWING UP AS A LATE PAYMENT BUT I HAD ALREADY MADE A PAYMENT AT THE BRANCH OFFICE AND THEY TOLD ME It WOULDNT SHOW UP AS LATE BECAUSE THEY DIDNT HAVE THE RIGHT ADDRESS ON FILE TO SEND THE BILLING AND THE OTHER CARD WAS ISSUED OUT OF FRAUD. ALSO BECAUSE OF ALL THE WRONG INFORMATION AND CONFUSION.

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 2019-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
I took out a loan from Santander Consumer USA Inc. 
XXXX. XXXX XXXX XXXX XXXX, TX XXXX Early in XXXX for approximately {$32000.00} to purchase a boat. This was a 15 year loan with payments of {$350.00}, the maturity date of this loan is supposed to be XX/XX/XXXX, but as of XX/XX/XXXX, Santander says I still owe {$16000.00}!! in 15 years my principal amount has dropped by almost half after paying in approximately {$64000.00}!!!!! I have read many complaints of this happening to a large amount of people doing business with this company. I have talked with individuals of this company on a few occasions and no one can or will tell me why, I get the run around from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XXXX I made my payment on time. Capital One system cut off the last 3 numbers of my bank account making the payment fail. A few days late when I found out the payment failed I contacted them asking what the problem was and after an hour of being on hold and talking to 2 or 3 different people finally I got it fixed and made payment again. This time the payment went through no problem. Even though the problem was fixed and not my falt Capital One is using this as an opportunity take away the 0.0 % APR till XXXX 2019 deal they offered me for opening the card. The moment I found out that they were trying to take this away from I told the customer service to connect me with a supervisor so I could make them give this back. The supervisor I spoke to told me they would submit a ticket to get the 0.0 % APR till XXXX 2019 reinstated. I have been all Capital One every week for a month and they still tell me that the ticket is being worked on. I have to make a payment on this card in a few days. I am asking the CFPB to stop Capital One from engaging in this deceptive business practice and make some give me back the deal I signed up for. 0.0 % APR till XXXX 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 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: IL

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 30 120 days past due on the XXXX partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) These accounts reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-04-08 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 — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
First off .... I am A-B-S-O-L-U-T-L-E-Y DISGUSTED with Barclay offshore support that further exacerbated problems when representatives that fail to grasp the English language. 
XXXX I had 2 transactions decline on XXXX for {$50.00} ... I log into my account and see I have a balance of {$290.00} of a {$500.00} credit line.. Called about XXXX XXXX to get explanation. 

The 1st level person stated there was a {$110.00} charge to XXXX, but I do not see in in my account, neither posted nor pending. Several issues turn up with her ability to address this matter ... But nonetheless, I see an error in a XXXX charge and ask to dispute.. The lady transfers me to ANOTHER person that does not fully grasp the English language. 

Long story short, I got so frustrated with this language barrier ... I cussed her out and hung up the phone ... DISGUSTED!!! 

My XXXX  charge should have been {$55.00} as shown in previous months..??

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 2019-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
There was fraudulent charges to my account and Citi card and the company is charging me for the over drawn balance.

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 2019-04-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : XXXX/XXXX, ACCOUNT # : XXXX, DATE:XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : BANK OF AMERICA, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : l XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX/XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : 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 2019-04-08 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA

Complaint narrative:
Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : XXXX/XXXX, ACCOUNT # : XXXX, DATE:XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : BANK XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : l XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX/XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX.

Company response to consumer: Closed with explanation