vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-08 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/2019 I was making a flight reservation on the United Airlines website. I noticed an ad at the top of the page that told me that the price of the ticket could be {$250.00} less ( and it showed the ticket price minus the {$250.00} statement credit with the now lower price ) if I applied for the United Explorer Plus Card. So I clicked on the ad, filled out the application, got approved almost immediately, spoke with the credit card approval representative who promised that I would see the {$250.00}. off on my first statement provided I had purchased my ticket. I purchased my ticket completing my flight reservation on United immediately. When my statement arrived, i didn't see the {$250.00} statement credit and called them immediately. I was then told that I had not applied for the right offer. Since that time, I have been on the United Airlines Forum online side where I have read that many others have also been denied the offer, today I called Chase ( the Credit card company for United ) and tried to once again appeal to them, but they refused to help me. Further, I went on a credit card review site and found yet other complaints about this same offer from a few people. It seems that Chase has a habit of changing offers mid stream and not honoring what people sign up for. 
Further, I have spoken to United Airlines customer credit several times. They tell me that they have no  control over what the credit card company does and that they can't help me. Although I have spoken with United reps on their official XXXX page who have told me that if the offer for the {$250.00}. is still live, they should honor it. I have the link for the offer which was still live on XX/XX/2019 when I screen shot it and I have the conversation from XXXX United Airlines with their statement that Chase should honor offers to customers made to United Airlines Explorer customers. I would like to be able to upload these docs or send them to you. I am disgusted as I had total faith in Chase and United to stand by their word and it is obvious that they have hurt a lot of people who will not be recommending them. 
Further, the offer was not available to current card holders, which I was NOT. I have another travel card that I can use, I opened the United Chase Card that night just before completing my first purchase, just for that purpose and to start using the new card exclusively. So, I was perfectly entitled to the statement credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HOA Collections LLC
State: NV

Complaint narrative:
I own a home in XXXX XXXX in which I had tenants in. In XXXX of XXXX the tenants asked if they could park their RV on the side of the house. The HOA said yes they could. Then the HOA later said they mis informed us and the RV need be removed. They tried to fine us and we disputed the fine. The HOA dismissed ALL THE FINES. However, HOA COLLECTIONS LLC, is still trying to collect {$510.00} for the " paperwork '' that they did. Hoa Collections LLC first billed us for {$150.00} and now it is {$510.00}. XXXX at HOA collections LLC, who has emailed me, has made false allegations. When she first billed us about our RV fine, I wrote a dispute that she said she would put in front of the board. She then came back and said the board denied my dispute. Well, my husband is friends with a guy on the board and he stated that XXXX never put my dispute before them. Also, XXXX was threating me over the phone and I told her I was due to have a XXXX  in XXXX of XXXX and I could not meet with the board right away and she continued to harass us. She also told me that my emails were not composed properly and wouldn't send it to the HOA board, I was in the hospital writing the emails and later found out that there is no format that the emails have to be in. She was harassing me after I had my XXXX just to be mean and cruel. She has not stopped for now it has been over 3 years. This is ridiculous. The HOA made a mistake, we fixed it and the collections agency is continuing to harass us. XXXX yelled at me on the phone saying that I didn't make any sense when I tried to call her to explain to her what was going on. She is now just harassing us to bother us and I have had enough. We are in the clear with our HOA but somehow she is trying to collect over {$500.00} from us for nothing! I had another XXXX in XXXX of XXXX and told her that I had just had a XXXX and to stop with the harassing emails and she still hasn't. It is ridiculous. She sent us an email in XXXX of XXXX, this has gone on for over 3 years!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have never dealt with these creditors in the past. I don't know who they are nor did business with these companies.. I contacted to address the issue but all they sent is a paper trail showing the accounts and that it has been verified. Insufficient information. I requested Method of Verification - evidence such as name, address and  telephone number they contacted from the original creditor but they failed. That tells me that this is some kind of computer generated verification an XXXX. Please get rid of the accounts as soon as possible and notify me when you do this so I can go ahead and apply for the things I need to apply for.. XXXX SELF-REPORTED   XXXX, XXXX SELF-REPORTED XXXX, XXXX SELF-REPORTED XXXX, XXXX   SELF-REPORTED 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 2019-08-08 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: AZ

Complaint narrative:
I have never dealt with these creditors in the past. I don't know who they are nor did business with these companies.. I contacted to address the issue but all they sent is a paper trail showing the accounts and that it has been verified. Insufficient information. I requested Method of Verification - evidence such as name, address and telephone number they contacted from the original creditor but they failed. That tells me that this is some kind of computer generated verification an XXXX. Please get rid of the accounts as soon as possible and notify me when you do this so I can go ahead and apply for the things I need to apply for.. Remove XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I recently changed cell phone providers which caused a notification on my account to verify my phone number. The phone number itself did not change but the account would no longer allow me to make XXXX transactions untill my number was verified. I called three weeks ago to put in a manual update request. After 7 business days ( i was told processing takes 5 days ), i checked and the information was still not verified even though i recieved a confirmation email. I called back and the customer service agent put in another expedited request and the number is still not verified. I do not have access to transfer my funds untill this system error is corrected.

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 2019-08-08 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: AZ

Complaint narrative:
I have never dealt with these creditors in the past. I don't know who they are nor did business with these companies.. I contacted to address the issue but all they sent is a paper trail showing the accounts and that it has been verified. Insufficient information. I requested Method of Verification - evidence such as name, address and telephone number they contacted from the original creditor but they failed. That tells me that this is some kind of computer generated verification an XXXX. Please get rid of the accounts as soon as possible and notify me when you do this so I can go ahead and apply for the things I need to apply for.. Remove XXXX XXXX, US DEP ED 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 2019-08-08 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: NY

Complaint narrative:
I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report XXXX XXXX, XXXX XXXX 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 2019-08-08 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report XXXX XXXX, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I was wondering where did credit bureaus get this public information when the recorder of deeds, the magistrate or the court itself did not furnish any of this information to the credit bureaus. They do not provide any proof to justify their reporting. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information Chapter XXXX Bankruptcy Discharged XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I was wondering where did credit bureaus get this public information when the recorder of deeds, the magistrate or the court itself did not furnish any of this information to the credit bureaus. They do not provide any proof to justify their reporting. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information Chapter XXXX Bankruptcy Discharged 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 2019-08-08 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: AZ

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. I don't even know who they are or how they obtained my information..This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX , XXXX XXXX XXXX XXXX XXXX XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   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 2019-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. I don't even know who they are or how they obtained my information..This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights XXXX, XXXX XXXXXXXX XXXX , XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. I don't even know who they are or how they obtained my information..This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX 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 2019-08-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Ive had several problems in the past with Fraudulent things being reported on my credit. While in the XXXX I was XXXX, and my identity was stolen. Many things were opened in my name and charged off. I contacted Equifax and XXXX regarding such. Negative information was being reported, and my disputes came back for XXXX and never for equifax. There has been several fraud alerts on my credit report, and things were STILL hitting my report. Ive had ongoing problems now. Whenever something falls off- another account takes its place. My information was shared. Multiple inquiries piled up- for things I havent done or applied for. Im a XXXX XXXX XXXX employee. Ive paid for fraud protection services and received NONE. I am disappointed in the bureau and would like some attention to this matter ASAP. I assumed it would stop, and Im working with the creditors to get it removed due to it not being myself who opened the accounts. Starting From the fall of 2018 to This year, it started right back up! Ive called several times to speak with someone and the help has been minimal, or Ive gotteb hung up on. I have obtained a lawyer, and would like to file a suit for sharing of my personal information. And for allowing fraudulent activity while signed up for fraud protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Ive had several problems in the past with Fraudulent things being reported on my credit. While in the XXXX I was XXXX, and my identity was stolen. Many things were opened in my name and charged off. I contacted XXXX  and TransUnion regarding such. Negative information was being reported, and my disputes came back for TransUnion and never for XXXX. There has been several fraud alerts on my credit report, and things were STILL hitting my report. Ive had ongoing problems now. Whenever something falls off- another account takes its place. My information was shared. Multiple inquiries piled up- for things I havent done or applied for. Im a XXXX XXXX XXXX employee. Ive paid for fraud protection services and received NONE. I am disappointed in the bureau and would like some attention to this matter ASAP. I assumed it would stop, and Im working with the creditors to get it removed due to it not being myself who opened the accounts. Starting From the fall of 2018 to This year, it started right back up! Ive called several times to speak with someone and the help has been minimal, or Ive gotteb hung up on. I have obtained a lawyer, and would like to file a suit for sharing of my personal information. And for allowing fraudulent activity while signed up for fraud protection.

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 2019-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
My parents who are not in the states sent me a wire transaction of XXXX dollars XX/XX/2019 to my Chase checking account, however I provided a wrong account number but with all other information correct like my name and address etc. 
After we find out the fund didn't arrive at my account due to a wrong account number provided a week after XXXX, we filed a withdraw request to Chase bank asking for refund. Then Global solution center of Chase bank has been telling me they had been keep investigating it and they said that the fund has already went to the beneficiary 's account ( which is the wrong account ) and they were trying to get contact with that guy for the next 2-3 months during which they never updated with me even when they closed the case. After that I turned to a branch manager to ask for help and this kind manager have been helping me making a lot of calls to different department to ask about the investigating result.

Then, after ending up with no result, the manager helped me escalate it to complain department  which gave me a final decision that they won't be able to get the fund back. 
During the past 6 months, I have heard different versions from the Chase bank like the money has/has n't went to beneficiary 's account. Also Chase once said the my parents had the name that matched the wrong account number which is absolutely impossible. 
I understand that Chase should not be blamed for me providing the wrong account number, but how can they not even try to match the name for the account? Even some online purchase need to verify your billing address to approve the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I received notice electronically via ( secured message ) from Chase Bank of a rule change to my credit card ( I have two through Chase ) agreements. The new rule includes a binding arbitration agreement. The only way to opt out is by hand written letter mail. I did not read the notice in time to hand write a note and mail. I believe Chase purposely did not allow for an electronic way to opt out knowing that most people would not have the time to hand write a note, buy a stamp and mail via snail mail with no proof of delivery that Chase could also deny.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Yes, I received a letter from a new mortgage company, PHH loans Ocwen loan services bought, they are telling me that I ; m 62 DAYS in Default which is not true, Ocwen loan services cashed both checks that I was told was not payed.So now there new Company PHH loan services are saying I ; m in default.The account number is the one from ocwen loans, so tell me how is that possible that they don't know that PHH loans now part of ocwen loan services checks were cashed.I called PHH loans on XX/XX/XXXX, and was hung up on 3 times.It was when gave the account # in about 30 sec, then I was hung whats up with that? Also they have not sent any receipts.apparently the change of address a delay, I was not a notice at all a address or new company or nothing, in fact they waited two months to notify me I was 62 DAYS in default.The same thing happened 0n XX/XX/XXXX, when had changed a new address to sent the checks to.They also let 2 months go by sending a notice, by that time got to add late fee ; s everything and threatening me with foreclosure and what not, so can you help me? Thanks XXXX.

Company response to consumer: Closed with explanation