vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-09 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: FL

Complaint narrative:
I received an unsolicited offer from American Express Company ( " Amex '' ) to apply for a new Gold   Delta SkyMiles credit card ( Delta card ). The terms of the offer provided that 60,000 Bonus Miles were to be earned after making {$2000.00} in purchases on the new Card within the first 3 months, and a {$50.00} statement credit after making a Delta purchase with the new Card within first 3 months. The offer was valid until XX/XX/2019. 

I submitted an on-line application for this Delta card, which was promptly approved given my excellent credit rating and an impeccable payment history with Amex for the last several decades. I was notified of the approval by a letter dated XX/XX/2019 from Amex ( copy attached ) on the basis that I applied.

As I timely fulfilled all the requirements for the Bonus Miles and the {$50.00} statement credit, I contacted Amex on XX/XX/19, about the status of reflecting these miles and the credit on my account. I was advised that the advertised bonus offer was not being honored by AMEX in spite of my having met all the offer requirements, but that the matter would be investigated further ( case # XXXX ). In a subsequent chat with an Amex representative on XX/XX/2019 ( reference # XXXX ), I was informed that I was ineligible for this promotion even though I was never previously so notified or advised. The stated reason for this decision, notwithstanding the fact that the new credit card was already approved, was the reported existence of my other Amex credit cards, which limitation was never previously disclosed to me. 

This is a classic example of a bait-and-switch perpetrated by Amex.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Community Health Investment Company, LLC.
State: AK

Complaint narrative:
two things. 

1. I have made approximately 800.00 in payments towards a medical bill yet the balance has only gone down by XXXX. ( the bills barely a year old and has only been being handled by this firm for 8 months, the interest on XXXX USD does not come anywhere close to explaining this ). 

2. ) I've made payment arrangements with the hospital for XXXX per month, yet on two occasions now, when I log in ant attempt to make payment, they refuse payment and demand 2 - 3 times as much as a " minimum payment required ''. They refuse to accept the previously agreed upon amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am reporting a violation of the F.T.C. Fair Debt Reporting Act.title 616.this collection agency is reporting information of Debt of $ XXXX.with the knowledge of it beening false. Lvnv Funding account # ending inXXXX has as of XX/XX/2019.has re-reported this 3 years old Internal Revenue Service filed as of XX/XX/XXXX XXXX.1099-c form was sent by certified mail to Lvnv Funding, copys was sent to C.F.P.B.with complaint ID # XXXX on XXXX for reporting this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09 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: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX two items showed up on my credit report that were the same alleged debt, with the same amounts and from the same company. The items were from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, PA XXXX, with the account number XXXX. I Disputed this item as soon as it arrived on my credit on XX/XX/XXXX with both the debt collection agency and XXXX XXXX XXXX ( the original creditor ), however the company put in the entry that the start date was XX/XX/XXXX. This item did not show up until XX/XX/XXXX on my credit report ( XXXX ). XXXX then removed one of the duplicate entries but did not remove the second one. I disputed the second one through XXXX  directly, and also disputed it through XXXX as it shows up on that bureau as well. They stated this alleged debt was shown to be valid, although the original creditor had a false address attached to it and I disputed it based on not obtaining services through the original creditor, which I did not receive services from. Furthermore, this alleged debt originated in XX/XX/XXXX and is time barred. Despite all of this, XXXX and XXXX  upheld the entry and allowed it to remain on my credit report. I have already disputed this debt through the proper channels, and one of the entries was already removed. I am requesting this other entry be removed from my credit report and to not be contacted in any way about this alleged debt from anyone. To be clear, I dispute this alleged debt and I do not owe this debt. I have not obtained services from XXXX XXXX XXXX, and attempted to prove that by the fact they had an address on file I never resided in. Furthermore, this is time barred. Please correct this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I was looking for tickets to a sold out show to see XXXX XXXX and I posted in the event 's page that I was looking for tickets. I got approached by this " girl '' named XXXX XXXX, which I dont even know if thats her/his real name, telling me that she got 5 tickets, seats 6,7,8,9,10 and she was selling them for {$70.00} a piece and I told her I needed 2 tickets and I asked her if she had proof of purchase which she provided, but i don't think it was real, however, I gave her the benefit of the doubt and proceeded to send her the {$140.00}, then she made up an excuse that she needed to drive and she was going to do it as soon as she got home but nothing ever happened and she got away with my {$140.00}. She told me to make the payment via family and friends, which I didnt seem to know the difference and that It wasnt covered by the paypal protection. 

I immediately notified paypal that I the transaction was a scam but they denied my case and that's what they said : Hello ____________, We received the case ( s )  you filed on XX/XX/2019. 

We have reviewed this transaction ( s ) and are denying your case ( s ). This decision was made because this transaction was not unauthorized.

If you'd like a copy of the documentation we used in the investigation of your case, send a letter including the Case ID to the following address :

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
On XX/XX/ I submitted a debt validation request to Convergent Outsourcing XXXX : XXXX. By certified mail. In the amount of {$1400.00} I requested written confirmation of the following information. Amount owed, Detailed calculation of the balance owed, Copies of the signed agreement showing this account is my obligation, Proof of the time/statue of limitations pertaining to this debt, Proof of company license to collect debt in my state, as well as licensing numbers and Registering agent, Verification of original creditor and original bill of sale. On XX/XX/ Convergent Outsourcing only provided me with XXXX billing statements. I submitted a 2nd debt validation letter on XX/XX/ by certified mail requesting the above information for debt validation. Once again Convergent Outsourcing sent XXXX billing statements.No copies of contract agreement, proof of payment history, etc. I sent a 3rd letter on XX/XX/2019 by certified mail stating that this does not meet the Federal Trade Commission XXXX of what constitutes proper debt validation. I received no response and Convergent Outsourcing is still reporting to the credit bureau

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 2019-06-09 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: CA

Complaint narrative:
Upon checking my credit report for updates, I found 6 accounts that were listed as in dispute by consumer. The previous report weeks before did not show this. The accounts listed in dispute were NEVER disputed. The accounts are also duplicate accounts. 
I have disputed other errors on other accounts but NEVER these listed accounts. The accounts in error are XXXX XXXX/XXXX duplicate reporting XXXXxxx Never disputed and always in " Good Standing ''. XXXX XXXX XXXX  XXXX Same as above. XXXX XXXX XXXXxxx- Never disputed Always in good standing. These accounts are also beyond the legal statute for reporting. 

Last month these accounts reported positive! 
I have started the legal process seeking damages.

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 2019-06-09 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 — Their investigation did not fix an error on your report
Company: Penn Credit Corporation
State: PA

Complaint narrative:
It was reported on XX/XX/2019 and its def inaccurate because I have spoken to XXXX XXXX and they verified that this info is not accurate at all because the accounts that I have with them is up to date and def not that much money please if something is not done in removing this account from credit I will most def take further action and if i have to it will not be good thanks again

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Bureau Collection Services, Inc.
State: MD

Complaint narrative:
I have a complaint with CBCS. I was looking on my credit report ( earlier this year ), seeing that I had a outstanding balance from them of XXXX. My first attempt on XX/XX/2019, sending them a certified validation letter which they recieved on XX/XX/2019. I have not recieved a responce back from this company and its been more than 30 to 40 days. I never lived at the address they are saying I lived at, in XXXX. I have never had electric in my name and dont know where this company came from on my reports. I would like to see this removed off my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
With zero notice, Chase Bank closed my account. I called them, but they refused to tell me why my account was closed. Further, they couldn't tell me when my money would be returned to me. Very shady. 

I feel like they are very discriminatory perhaps because of my ethnicity, my age or my gender. 

They didn't even attempt to reach me before closing the account. They didn't want to discuss it. They made an arbitrary decision based on some unknown factors. 

There was nothing strange going on with my account. I had just funded it a week earlier. It was in good standing. In fact, I had set up a transfer of money to give them even more money. 

Chase Bank 's actions clearly caused me to not have access to my money. And not having access to my money is currently causing extreme financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: DE

Complaint narrative:
My phone service was canceled with XXXX XXXX XXXX in XX/XX/XXXX. XXXX XXXX XXXX continued to bill me for canceled lines. I called in XX/XX/XXXX and found they were billing me for an ancillary line. I canceled that line and they continued to bill me. I received another bill in XX/XX/XXXX and I again called XXXX XXXX XXXX. I explained that the line was canceled in XX/XX/XXXXand I called again in XX/XX/XXXX to cancel it. They deny having record of the phone calls. I filed a complaint against XXXX XXXX XXXX and their Office of the president called and left me a voice mail. I returned the call to the number they gave me and was unable to reach anyone. I then XXXX a number. When I reached a representative I was told they couldn't help me because they were not the rep assigned to the case. I explained the problem and was told I had to talk to the rep assigned to the case. After multiple phone calls I was never able to contact the rep assigned to the case. She was always out of the office for the day. Approximately XX/XX/XXXXor XX/XX/XXXX I received a collection notice from Sunrise Credit services. I responded to them in writing that the debt was not valid because it was the result of XXXX XXXX XXXX continuing to bill me for canceled service. They did not respond to my written statement. XX/XX/XXXX I got an alert for a change to my credit report. I checked to find that it is that fraudulent bill from XXXX XXXX XXXX. They are trying to force me to pay a bill that I do not owe and damaging my credit in the process. XXXX XXXX XXXX refused to deal with the issue by giving me a non-existent representative from their office of the president to deal with then sent it to collections knowing the debt is not valid. This is why I switched carriers in the first place. I was tired of XXXX XXXX XXXX 's shady billing 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 2019-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I need for the items on the letter to be deleted from my credit report as they are innacurate

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 2019-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
The following fraudulent accounts has reappeared on my Equifax credit report : XXXX XXXX XXXX : {$2000.00}, XXXX XXXX XXXX, {$19000.00}, XXXX XXXX XXXX, {$4800.00}, XXXX XXXX, {$1700.00}, XXXX XXXX XXXX, {$22000.00}, XXXX XXXX XXXX XXXX, {$8600.00}, XXXX XXXX XXXX XXXX, {$950.00}, XXXX XXXX XXXX XXXX, {$30000.00} and XXXX XXXX XXXX XXXX, {$370.00}, these fraudulent accounts has been previously deleted countless times by Equifax, but keep reappearing on my credit report. The accounts are all fraudulent, unauthorized, not mine and dont belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-09 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:
I have one account that is under a different name DEPT OF ED/XXXX i have disputed it before and it needs to be removed. 
I also have an account XXXX XXXX XXXX that I have disputed as having unauthorized charges on it but it comes back resolved but there is no way that could be as equifax does not show me any charges they have verified with signed receipts with my name on them. 
There is a fraudulent lent account XXXX , XXXX that i have disputed before and comes back verified but it is not my account. 
And there is XXXX XXXX A account that was disputed with unauthorized charges on it and equifax is not properly investigating it. and instead just says it's verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-09 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: CA

Complaint narrative:
A late payment shows on my credit report with XXXX XXXX. The error was XXXX   fault and I have a letter from them stating the same. Upon showing this letter to the credit reporting agencies, nothing has been corrected. The correction has held me back from refinancing as well as other damages. 
Another item was also the error of the creditor The statement was mailed to the wrong address. This also caused a late payment which is not accurate.

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 2019-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Reported my debit card ( XXXX XXXX ) lost at XXXX XXXX Friday XXXX XXXX. Today on XX/XX/XXXX my card is still active, and can be used online. Bank failed to deactivate it like it was supposed to. On XX/XX/XXXX. 

Didn't actually lose it, was more of juggling bills and not allowing a large bill to go through as I just got a loan from my boss to help me pay up my car payment which I now can't pay, cause those funds went to my extremely large phone bill ( XXXX XXXX ) which I was process of talking to my phone company about lowering the bill when, when my boss 's loan to me elsewhere. 

Might not be the right way to juggle bills, but everyone else 's opinion on the matter irrelevant because they did not deactivate a card that was reported lost, still on 3 days later. Insulate disgusting it's either company the problem I was having, XXXX XXXX is the most outrageously expensive phone company I've ever seen in my life. If you use a lot of data, don't you ever go to that company. {$400.00} for what XXXX charges {$60.00} for. Which is hilarious because that's the network XXXX XXXX  uses most of the time in XXXX Arizona so I noticed.

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 2019-06-09 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: CA

Complaint narrative:
Upon checking my credit report for updates, I found 6 accounts that were listed as in dispute by consumer. The previous report weeks before did not show this. The accounts listed in dispute were NEVER disputed. The accounts are also duplicate accounts. 
I have disputed other errors on other accounts but NEVER these listed accounts. The accounts in error are XXXX XXXX duplicate reporting XXXX Never disputed and always in " Good Standing ''. XXXX XXXX XXXX  XXXX Same as above. XXXX XXXX XXXX Never disputed Always in good standing. These accounts are also beyond the legal statute for reporting. 

Last month these accounts reported positive! 
I have started the legal process seeking damages.

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 2019-06-09 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: CA

Complaint narrative:
Upon checking my credit report for updates, I found 6 accounts that were listed as in dispute by consumer. The previous report weeks before did not show this. The accounts listed in dispute were NEVER disputed. The accounts are also duplicate accounts. 
I have disputed other errors on other accounts but NEVER these listed accounts. The accounts in error are XXXX XXXX/XXXX duplicate reporting XXXX Never disputed and always in " Good Standing ''. XXXX XXXX XXXX XXXX Same as above. XXXX XXXX XXXX Never disputed Always in good standing. These accounts are also beyond the legal statute for reporting. 

Last month these accounts reported positive! 
I have started the legal process seeking damages.

Company response to consumer: Closed with non-monetary relief