vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-23 00:00:00
Product: Credit 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I purchased an airline return ticket via XXXX on XX/XX/XXXX from XXXX to XXXX for {$280.00}. Flight dates were XXXX. However, I fell ill and was unable to travel. I called the airline and they advised me thats its fine I will be counted as a no show but I can rebook in the future for a {$100.00} fee. When attempting to rebook via XXXX on XX/XX/XXXX, I was told that the rebooking fee would actually be {$200.00} because they used two one way tickets for my booking, plus their service fee of {$45.00} and any difference in ticket prices. I said okay no problem. This time I was flying from XXXX  to XXXX, the ticket was roughly {$280.00}. Therefore, my total rebooking cost should have been no more than {$240.00} ( rebooking fees + difference in ticket price ). XXXX however sent me a price of {$550.00}. When I asked for a breakdown in fees, they refused to give such. They are attempting to illegally overcharge consumers blindly. 
I reached out to my bank, JP Morgan Chase to dispute this transaction and they told me the charge was valid without even requesting any documentation from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express cards do not work online. It's the year 2024 and American Express produces and distributes gift cards that can not be used on the internet. Again : it is 2024. American Express produces gift cards that can not be used on the internet. This is a massive scam. Think about how much money American Express is collecting from those who end up not using the balance on their PREPAID cards. American Express declines online purchases with their gift cards so they can keep the money their victims are unable to spend. In the year 2024. Why haven't the lawyers jumped on this yet?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: AZ

Complaint narrative:
Destroying credit reports bureaus by reporting debts past the statutory limits

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Allied Collection Services, Inc. (Nevada)
State: GA

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXXXXXX XXXX. I do not have a contract with ALLIED COLLECTION SERVICES, they did not provide me with original contract as requested. I have disputed this collection with XXXX on XX/XX/XXXX. XXXX reached a decision to have it deleted off of my credit on XX/XX/XXXX. It was mysteriously put back on my XXXX report after this date sometime within XXXX and now in XXXX. I spoke with the Fraud Department of XXXX on XX/XX/XXXX and was encouraged to file a Fraud Report as I do not recognize this debt and I have no ownership of this debt. I am also filing a Fraud report with the XXXX in regards to this debt and contacting XXXX and XXXX in regards to this fraudulent debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I submitted a payment on XX/XX/2023 to XXXX XXXX XXXX to avoid my account going into delinquency by XX/XX/XXXX and the payment was stated that it was successfully processed. It was only after they sent my payment confirmation to the credit bureaus, that they stated that they were not able to process my payment. There were funds in my account with proof that the funds were available and ready to be deducted. I have been making consistent payments without being late for over a year and a half. My credit score has taken a massive hit after rebuilding it, and should not be blamed for a clerical error conducted on the creditors end. As you can see attached, XXXX XXXX XXXX ( Account # : XXXX ) did not inform me that they were attempting to take the funds out of a wrong account until the XXXX of XXXXXXXX XXXX After sending my information to the credit bureaus on the XXXX of XXXX. This company took more than 30 days to investigate this case. Initially removed the late payment from my report and added it once more without notification.

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 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I submitted a payment on XX/XX/2023 to XXXX XXXX XXXX to avoid my account going into delinquency by XX/XX/XXXX and the payment was stated that it was successfully processed. It was only after they sent my payment confirmation to the credit bureaus, that they stated that they were not able to process my payment. There were funds in my account with proof that the funds were available and ready to be deducted. I have been making consistent payments without being late for over a year and a half. My credit score has taken a massive hit after rebuilding it, and should not be blamed for a clerical error conducted on the creditors end. As you can see attached, XXXX XXXX XXXX ( Account # : XXXX ) did not inform me that they were attempting to take the funds out of a wrong account until the XXXX of XXXXXXXX XXXX. After sending my information to the credit bureaus on the XXXX of XXXX. This company took more than 30 days to investigate this case. Initially removed the late payment from my report and added it once more without notification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I submitted a payment on XX/XX/XXXX to XXXX XXXX XXXX to avoid my account going into delinquency by XX/XX/XXXX and the payment was stated that it was successfully processed. It was only after they sent my payment confirmation to the credit bureaus, that they stated that they were not able to process my payment. There were funds in my account with proof that the funds were available and ready to be deducted. I have been making consistent payments without being late for over a year and a half. My credit score has taken a massive hit after rebuilding it, and should not be blamed for a clerical error conducted on the creditors end. As you can see attached, XXXX XXXX XXXX ( Account # : XXXX ) did not inform me that they were attempting to take the funds out of a wrong account until the XXXX of XXXXXXXX XXXX. After sending my information to the credit bureaus on the XXXX of XXXX. This company took more than 30 days to investigate this case. Initially removed the late payment from my report and added it once more without notification.

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 2024-02-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: SC

Complaint narrative:
XX/XX/XXXX I received multiple alerts my credit score dropped due to a debt collection. My score dropped by XXXX points ( normally XXXX or higher ) due to this fraudulent debt not owed. Jefferson capital added a collection for XXXX for a cellular account I pd and closed back in XXXX ( 15 plus years ago ). XXXX has been out business since XXXX and this crooked collection agency decided to falsely add a fraudulent debt 15 yrs later. This is a tactic these collection agencies use around tax time each year to unsuspecting consumers trying to collect for debts that are not owed. Fortunately I monitor my credit daily and was able to take action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
After getting a credit alert from XXXX. I preceded to look and see what it was. FCO claimes I owe over $ XXXX. So I proceeded to call and after many attempts I was bullied by XXXX XXXX who proceeded to claim I signed a lease and resided at the XXXX. This is untrue as I am a XXXX XXXX and have lived in the XXXX for 22 years. Then went on to claim I made $ XXXX a year and then I told him I have not worked since XXXX after XX/XX/XXXX. Since I have suffered with XXXX and felt safer in XXXX. Also, I told him I was there 1 day on move in and went to the office where I signed for a key with a old fashioned pen not Docusign. I have never spent 1 Night at the XXXX or even lived there. Then he mentioned co-signed which I did not. Now when I call they hang up and say it is in review. So I asked to please remove it off my credit until they sort out whatever mistakes they made. I have since try calling Managers XXXX XXXX, XXXX XXXX and XXXX XXXX. Not able to reach or do they respond. After many emails I have yet to receive any documents to prove their claims. Only they claim that the debt was reduce to $ XXXX but still they leave it at XXXX on debt collection. To date I have never had a missed payment on any debt and I find this company is a bully, unresponsive and aggressive and I cant answer a simple question or send me proof. 

Please look into this situation. 

They told me to reference a case number 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 2024-02-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mutual Management Services LLC
State: FL

Complaint narrative:
XXXX XXXX Amount {$14000.00} Dispute provided police report of identity was stolen this account doesnt belong to me I requested this company to remove this debt off my report numerous of time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian allowed a fraudulent collection agency to add a debt not owed to my credit profile without taking the proper steps to confirm the validity of this debt. I do not owe any collections and this has impacted my credit score severely by plummeting my score by XXXX points. It is their responsibility to validate and confirm the debt is actually owed. They took no steps to research they simply just added a late payment and collection which is 100 % false and illegal. I have perfect credit no late payment no past due debts, no negative factors until they allowed XXXX XXXX to add this falsified charge. This is criminal and I will be seeking legal action.

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 2024-02-23 00:00:00
Product: Credit 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: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
On XX/XX/2023, there were multiple fraudulent charges on my card from XXXX ( {$1100.00}, {$100.00}, {$25.00}, {$50.00} ). I immediately disputed the transactions with Apple Card. They walked me through security functions to help prevent further fraudulent charges and told me they would reach out to the manufacturer-sending me any information/ packet that they would have about the charge. Then on XX/XX/2023, 2 more additional fraudulent charges were made ( {$160.00} and {$50.00} ) and again, I immediately disputed these charges. I requested for them to block XXXX and was told they are not able to block merchants. Instead, I requested to put an entire hold on the card to help prevent any further fraudulent charges. On XX/XX/2023 I received an email confirming they resolved these disputes as fraudulent and removed all the charges. I then reached out to have my card reactivated because of this email. I had to reach out again on XX/XX/2023 to remove the block- this time I had to call because of my frustration. Then on XXXX XXXX I received an email saying they were reversing the dispute based on available information. I immediately reached out again and asked for this available information. I again, redisputed this charge. On XX/XX/2023, they again reversed this charge only. And again I asked for the information and reapplied the dispute and told them I will continue to fight this charge as it was fraudulent just as the other charges from XXXX were. Again on XX/XX/2023, I redisputed the charge and asked for the information regarding this charge. They then reversed the charge on XX/XX/2023 and I immediately disputed the charge. Almost a year has gone by where Apple Card is refusing to provide me any information about this fraudulent charge. They were able to remove ALL the other fraudulent charges but this one with NO EXPLANATION. This is extremely frustrating!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC
State: KY

Complaint narrative:
In 2019 I was the victim of identity theft. The company was XXXX. I contacted them. My attorney contacted them and the collections were removed. I never used XXXX ever. Someone ordered 4 phones in my name. The FCC gave me free credit monitoring due to this and all was resolved. Now the same company XXXX has reported it through Jefferson Capital Systems for the same account. It keeps appearing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: AMERICAN HONDA FINANCE CORP
State: MA

Complaint narrative:
I submitted a payment on XX/XX/year> to American Honda Finance to avoid my account going into delinquency by XX/XX/XXXX and the payment was stated that it was successfully processed. It was only after they sent my payment confirmation to the credit bureaus, that they stated that they were not able to process my payment. There were funds in my account with proof that the funds were available and ready to be deducted. I have been making consistent payments without being late for over a year and a half. My credit score has taken a massive hit after rebuilding it, and should not be blamed for a clerical error conducted on the creditors end. As you can see attached, American Honda Finance ( Account # : XXXX ) did not inform me that they were attempting to take the funds out of a wrong account until the XXXX of XXXX XXXX After sending my information to the credit bureaus on the XXXX of XXXX. This company took more than 30 days to investigate this case. Initially removed the late payment from my report and added it once more without notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: SC

Complaint narrative:
On XX/XX/2024 around XXXX a repo company that Bridgecrest used came and took possession of the vehicle. When the company did so, they damaged my property. Fast forward I called bank to see where they sent the vehicle they gave me the information to a company called XXXX I call them and spoke to them and they gave me the number to where it was and I also spoke to them about the damage that occurred when they picked the vehicle up. At the time the vehicle was about 1 hour away from me. I set up an appointment to get my personal property. On XX/XX/2024 I make arrangements to get to the location to where the vehicle was at only to get a message that the vehicle was moved days ago to another location. I called the bank again Bridgecrest and they gave me the number to where the vehicle was at. I called that company called XXXX. They are located in XXXX, FL now at this point the vehicle is now 3 hours away. I have been calling Bridgecrest for them to send over paperwork to that company so I can get my personal property back. At this point this company is purposely moving the vehicle further away so I cant get my items or file a claim against their company. This is not a way for me to be bullied into keeping the vehicle when it needs a lot of work and they are not willing to lower the price of ownership. It is now XX/XX/2024 and Im still going through this.

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 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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