vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XXXX XXXX, XXXX I was sued by XXXX XXXX XXXX for the amount of XXXX from a company called XXXX. The bank holder for that company is " The XXXX XXXX XXXX XXXX XXXX ''. For a debt that I did not owe and never owned. I proved in court that I was a victim of identity theft. The account was opened in XXXX XXXX, XXXX and I filed a police report on XXXX XXXX, XXXX. The case was dismissed on XXXX XXXX, XXXX. Well XXXX XXXX XXXX never took this debt off my credit report. Instead they sold it months later to a company called Resurgent Capital Services. And Resurgent Capital Services has repeatedly called my home and threatened me with lawsuits, judgements and said that they will continue to contact me, and keep this bill in collections until paid. Resurgent Capital Services also stated that the information that I sent them was not sufficient enough. I have sent them court dismissal documents from the last time XXXX XXXX XXXX took me to court, police reports stating that I was a victim of forgery and counterfeiting ring in XXXX, Texas. I even listed some of the items that was stolen out of my home but Resurgent Capital Services says the documents that I sent is still not enough. I have been dealing with these two debt collectors coming up on 2 years they have kept this debt that they claim that I owe in collections for almost 2 years. And have ruined my credit, I have tried in so many ways to resolve this and I 'm frustrated please help me if you can with this situation. I have listed the companies involved in this complaint please get back in touch with me. 

XXXX XXXX, XXXX. Resurgent Capital Services L.P . 
XXXX XXXX, XXXX. Attention : Correspondence Dept. 
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CO. XXXX XXXX, SC. XXXX Thanks in Advance,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10 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: PA

Complaint narrative:
Dear CFPB : I have been a longtime user of Chase banking service. On XXXX XXXX, XXXX, I had decided to close a Chase XXXX credit card account as it was redundant with other accounts I had with Chase. 

Two months after this event on XXXX XXXX, XXXX, I realized I am missing more than XXXX of Chase Ultimate Rewards ( UR ) points. Ive earned these cash equivalent loyalty program points of Chase by opening up a new credit card account, paying a large amount of annual membership fee, and spending of specified dollar amount during given time period. What I did not realize was that these points were individually synced to each card, not collectively to my Chase bank profile. Moreover, without informing me, the points I earned through the card disappeared 30 days after I closed the account. 

I had a phone conversation with the Chase customer service center as soon as I realized this incident on XXXX/XXXX/XXXX. The customer service representative tersely replied to me that the points were discarded per their company policy. Though she confirmed that the amount of discarded points still could be seen on their electronic system, she said she would not do anything. I further emailed the Chase customer service through their message system to see if I could recover my point. They repeated simply telling me per their company policy, they will not help me recover the point. I contacted several other customer representatives to discuss the unreasonableness of the incident, however, the attempts were futile. 

The amount of points I lost due to this incident is a little greater than XXXX. What particularly disappointed me was that Chase bank did not try to actively inform or warn me about the less known rules of their loyalty program. It was merely mentioned in fine print in the middle of long documentation I received from them through Chase online message system. Absolutely no further notifications were given until and after they completely discarded my hard earned points. They never notified me further about this before discarding my points. As I have multiple other accounts with Chase, had I simply been more promptly notified, I would be able to keep these UR points by transferring them to another card account. What kind of a banking service volunteers to discard what is equivalent to {$1500.00} that belong to me without even making some attempt to tell me about this?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Gurstel Law Firm, P.C.
State: MN

Complaint narrative:
Collector XXXX XXXX in MN continues to try to call and collect on a loan involved in a lawsuit with XXXX XXXX XXXX ... collection is suppose to cease until further notice on loans with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XXXX XXXX, XXXX, my card did not work and I called to find out why. I learned that my account had been flagged for fraud. After work that day, I called again and kept a representative on the line while I XXXX out my account. Account was XXXX out at XXXX XXXX. I was told my account was closed and my card could no longer be used. I was told not to use my card and that I would be getting a new card in the mail. I did not use the card from that point forward ; however, my employer did send my XXXX XXXX pay to the account. 

Since I was told the account/card was closed and could n't be used, I do not understand how someone was able to fraudulently charge/debit {$520.00} to the account ; nor, do I understand how the card was swiped when it has never left my possession. 

As I have discussed with Bank of America in numerous telephone calls from XXXX XXXX XXXX XXXX, XXXX ( see communication log below ), I am disputing the following fraudulent charges/debits on my account. 
XXXX XXXX, XXXX {$160.00} XXXX ( XXXX, PA ) XXXX XXXX, XXXX {$200.00} XXXX XXXX XXXX XXXX, PA ) XXXX XXXX, XXXX {$150.00} XXXX ( XXXX XXXX, PA ) Not sure of the time of transaction but I was at work, in XXXX, PA, from XXXX XXXX to XXXX XXXX this day. 

I can honestly say that I do n't believe I have ever even stepped foot in either the XXXX XXXX or the XXXX XXXX XXXX. Furthermore, I had my young sons the weekend of XXXX XXXX. If I go shopping when I have them, it is only for necessities, mainly food, for while they are at my house. I certainly would n't have such a large order, nor would I be traveling to approximately an hour to XXXX XXXX to shop. 

I have been disputing these charges for nearly two months and do n't seem to be any closer to a resolution. Since they now claim they have another 45 days to make a ruling regarding the dispute, I would appreciate any assistance the CFPB could provide.

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 2017-12-10 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I own several personal and business cards from American Express. Generally, I am quite satisfied with the level of service and professionalism that the bank provides and we share a mutually beneficial relationship. I spend a lot of money annually between all of my cards and for that I am awarded a mix of cash back, and reward points. Our relationship spans many years. 

This complaint is regarding my reward points. Sometime in XXXX of this year, I tried using some of my points and was unable to do so. It seems that American Express had placed my account under review and during that period the rewards are inaccessible. I was not notified in writing or otherwise, prior to this review being done. I was not warned. As far back as I can remember I have always been notified of any changes done to my account. This would be the first time that this was not done. 

I have called in quite a few times regarding this, and each time I am told something else. A request to have this concern escalated and resolved was placed, with a promise of a call back or response within 5 business day, but I never heard back.

Most agents do not seem to understand what is going on, and no one can provide me with an explanation. As of today, it seems that my account is still under review.

The most that one agent was able to advise me was that the review is due to some minor refunds I made on my business card. I do n't understand how that may be related to this issue. Another agent advised me that it may take 6-8 weeks from the initial date to hear back, while another told me it could take up to 10-12 weeks. Each agent advised me of a different start date as well so that the completion date varied. I was also told I would receive a call or letter, but none has been received to date. 

I requested to speak with the individual or department handling my account so that this matter could be resolved once and for all. No one was able to provide me with a contact number or name, and there was n't an option to be transferred to them by the agent answering my call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Santander Bank, XXXX XXXX, New york There was an promotion going on in the month of XXXX when I visited the bank and an Checking account was opened which declared a new account opener will be provided with {$250.00} cash if the direct deposit of {$500.00} will be made in the next 3 months and the account will stay opened for 90 days. Also it should be new customer. 
I opened the account on XXXX/XXXX/XXXX BRANCH TRANSACTION AT XXXX XXXX - CASH DEPOSIT. {$110.00} {$110.00} All the conditions were fulfilled and still they have not deposited the money even after several efforts made by me on phone and in person visiting the branch. 
1st direct deposit was made for XXXX/XXXX/XXXX XXXX XXXX PR PAYMENT XXXX {$850.00} {$910.00} which should have fulfilled the criteria but even then a next deposit was made for XXXX/XXXX/XXXX XXXX XXXX PR PAYMENT XXXX {$1000.00} {$1100.00} and if we see as per the conditions 90days are done a long ago but still the company is not paying what they agreed. Its a kind of misleading practice to the consumer just to get more bank accounts. 

I called them twice spoke with the representative one month ago and they said they gon na deposit the money but no joy, then I went to the branch twice, same answer, no practical solution. 

I want the money which they told me they will pay also the compensation for the harrasement and waste of my time by calling them again and again, also visiting them to the branch. 

So annoying.

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 2017-12-10 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian has my XXXX 's account showing negative until 2023 and there is no late payment showing for over 21 months. But Experian has me showing 2023 before the account goes positive.

There has been a {$0.00} balance for over 6 months so how is the account in the Negative.

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 2017-12-10 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
A week before my scheduled airline flight, I realized that Chase had not sent me a renewed XXXX XXXX card ( XXXX XXXX is a perk that comes with the credit card and includes airport lounge access ). On the week of XXXX XXXX, I called the customer service number on the back of my Chase XXXX XXXX credit card. The customer service representative told me that if I did not receive my XXXX XXXX card before my trip I would be able to access any lounge and any fees would be reimbursed as part of the agreement. 

On XXXX XXXX before my scheduled flight, I did not receive my XXXX XXXX card and therefore I accessed a XXXX lounge and I charged my Chase XXXX XXXX credit card with the understanding that I would be reimbursed for the lounge access, per the customer representative recommended action. 

On the week of XXXX XXXX, I called Chase customer service to make sure that they were processing my reimbursement, however they stated that they could not reimburse my lounge access because the lounge that I accessed was not part of the XXXX XXXX umbrella. However, during my initial call on the week of XXXX XXXX, customer service did not state that the airport lounge had to be within the XXXX XXXX umbrella and only stated that any lounge access would be reimbursed. 

For my call on the week of XXXX XXXX, I asked for my case to be escalated and for my call to be reviewed. I called the following day and asked the status of my request and customer service stated that my case for reimbursement had continued to be denied. I feel that Chase is going against their word and is ducking their responsibility to, me, a lifelong customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
This is not a duplicate complaint. In XX/XX/XXXX, i filed a complaint with cfpb ( Complaint # XXXX ) regarding my unsuccessful attempts to get PayPal to close my XXXX husband 's account and send me a check for the balance left in the account ( {$690.00} ). PayPal did respond to that complaint with a letter and a check. The check was made out to XXXX XXXX and the bank refuses to cash a check made out to a XXXX person. In a letter dated XX/XX/XXXX from XXXX XXXX XXXX, Operations Counsel, he noted PayPal had received my letter of XX/XX/XXXX,  requesting closure of the account and a check for the balance. He stated PayPal never received documents required to close the account. He seems to have missed the paragraphs in my letter in which I wrote of my repeated unsuccessful attempts to forward the documents by the FAX number given, and request for assistance in getting the documents to PayPal. 

In XX/XX/XXXX and XX/XX/XXXX, I made repeated attempts to reach XXXX XXXX. I left messages on his phone ( XXXX ) and his cell ( XXXX ) asking for assistance in getting a check issued in my name. I go no response. I wrote a letter on XX/XX/XXXX. Again -- -no response. See attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
Received a letter from credit reporting agency that there was a change in my credit file. Do not know this company or why they appear on 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 2017-12-10 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian shows my account Negative until 2022 which is 4 years from now and this account has not been late for 2 years and Experian has it Negative. 

this account should not take 4 years to go positive considering it has not been late for 2 years. Experian seems to say on my credit report its in the negative standing. I do n't no how it is when nothing has been late for over 2 years. 

I 'm also filing with the FTC on his issue

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 2017-12-10 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: NY

Complaint narrative:
A Chapter XXXX Bankruptcy Dismissal is being reported on my credit file. Ref # XXXX I 've reached out to the bureaus to ask them to remove this reporting because it 's affecting me severely. I 've even express to them that because of the reporting It 's preventing me from receiving a promotion that was offered and I really need. The bankruptcy was filed in XXXX but was withdrawn shortly after. I did not go through with the procedure. I instead borrowed money from friends and family to pay off my outstanding debts. 
I 've send numerous rounds of letters asking for it to be removed. XXXX not only refuses to remove it but refuse to send me their method of verification and documents from the courts they claim they got the information from. I 've informed them that I spoke to some one within the court/ and department of records who notified me that XXXX did not verified with them and will not because they do not give out or report any such information. each time they claim to have verified, I asked them for proof and they refuse to send it. I 've asked them to please delete the negative Item if they will not honor my request and they still refuse to. The last letter that was sent out to them was dated on XXXX XXXX. That letter came back verified and they still did not honor my request.

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 2017-12-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX has my Capital one account showing negative until 2022 and there has not been a late payment in over 2 years. 

There is nothing showing late nor is my account negative for 24 months I 'm also filing with the FTC on XXXX for there reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10 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: PA

Complaint narrative:
Experian has my XXXX XXXX account showing negative until 2022 and there has not been a late payment in over 2 years. 

There is nothing showing late nor is my account negative for 24 months I 'm also filing with the FTC on Experian for there reporting practices.

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 2017-12-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One XXXX shows my account negative on the report until 2022 and there has not been no late payment in 24 months. there should be no late negative for that long before the account goes positive considering its been paid on time for the past 24 months Will with the FTC on ongoing incorrect information and why its 4 years to go Positive

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10 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: TX

Complaint narrative:
On XXXX XXXX, XXXX, Equifax added a collection account to my credit report for a medical bill resulting in a drop in my credit score. The only way I knew the collection account had been added to my report was when I applied for a mortgage loan on XXXX/XXXX/XXXX and the loan officer informed me. The only information provided to the officer in their report was the claimed collection amount. The collection account did not include a collection agency name, it literally says N/A, it did not include contact information or any information regarding the account. Equifax made no attempt to validate the collection or collection agency information prior to adding it to my credit report. When I contacted Equifax, I was informed that my personal data was compromised in the XXXX XXXX data breach. The customer service representative I spoke to " strongly encouraged '' purchasing additional security monitoring from Equifax to avoid future fraudulent activity. When I declined, the representative informed me that there had been no validation attempts by Equifax, that it was most likely the result of the breach, but that nothing could be done and the collection would remain on my credit report for 7 years even if paid off. I informed the representative that I had attempted to request a credit report online and the system refused to allow me access to review the account for other signs of fraud. I also informed the representative that I had filed a dispute on XXXX/XXXX/XXXX and my credit report was not reflecting that the item was in dispute. The representative provided me with a confirmation number and informed me that I would possibly have a response in 30 days. I have attempted to check status on the dispute using the provided confirmation number and can not find any information on it. My loan officer advised me that my current credit report does not reflect said dispute. The collection agency information provided by Equifax does not include a phone number to request more information. The collection is a scam.

Company response to consumer: Closed with non-monetary relief