vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-23 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: AR

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. 

XXXX {$130.00} XXXX {$440.00} CHAPTERXXXXBANKRUPTCYDISCHARGEDXXXX

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 2020-06-23 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: AR

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. 

XXXX {$130.00} XXXX {$440.00} CHAPTERXXXXBANKRUPTCYDISCHARGEDXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
I have leased two Chrysler vehicles in the last few years a XXXX XXXX XXXX and a XXXX XXXX XXXX. 

- On the previous lease ( XXXX XXXX XXXX )  we were overcharged for a tax payment and ended up overpaying Chrysler Capital. I called and spent hours trying to get a mistake created on Chrysler Capital 's end sorted out over the last 18 months. 
- Because of a lot of back and forth, as well as misguidance from Chrysler Capital Allegiance Team, my account had a delayed payment on it in the amount of {$110.00}, which Chrysler Capital reported to the credit bureaus even though I did pay it right within 30 days ( we paid it once we had not heard anything back from Chrysler regarding overpayment ).

-After calling and explaining the situation ( as well as our perfect payment history ), Ive been told by Chrysler Capital Allegiance Team multiple times that this delayed payment would be removed by the credit disputes team but have yet to see this reflected on my credit report. 
- Last week, I was told previous associates " misspoke '' regarding getting the delayed payment being removed from the credit report and would be further trained and potentially let go Chrysler Capital has not only provided misinformation MULTIPLE times, which resulted in this dispute, but they have not removed this from my credit report as they have told me repeatedly they would.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I filled out an application with American Express for a new XXXX credit card because I wanted to take advantage of a promotional offer. I was emailed a status update which I had to go to a secure site to check and was notified that i was declined. I then called a phone number which informed me that was application was declined due to an account I had with American Express being closed out with a balance on it. I have never had a personal American Express card but a Corporate Card. 

I had started working for my former employer XX/XX/XXXX. Due to illness and multiple XXXX I went on sick leave from XX/XX/XXXX. I did not return to the company until XX/XX/XXXX and where I was promptly laid off from my position. During the separation meeting, I informed XXXX XXXX that there were some charges from my Corporate Card from travel that occurred at the end of XXXX and first couple of days in XXXX for a XXXX XXXX   XXXX that needs to still be expensed but I didn't get a chance to since the charges had been purged from the system by the time I returned to work so there was no way for me to expense the items. 

What incenses me about this is because Corporate Cards are not issued on individual credit but n corporate credit. Even if I had used  the card or personal purposes, eventhough I did not, it should still not reflect on my personal credit as I never used personal credit to get the card. 
Without disclosing my medical condition, I was forbidden to access any work items during my sick leave. I shouldn't have to legally do this. It is very upsetting. 

They need to remove this for my credit immediately and request the company pay them by their contract terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: PR

Complaint narrative:
On XX/XX/XXXX we bought household items at the Sears XXXX XXXX Outlet store, in XXXX. The goods were delivered by Sears on XX/XX/XXXX. They were installed later, once the installation of the kitchen furniture was completed. On XX/XX/XXXX, an attempt was made to use the oven and microwave, neither of which worked. We contacted Sears to make the appropriate warranty claim, but had no response from the store. We continue to insist, without result. During the month of XXXX, after visiting the store in person to again complain about the lack of warranty service, Sears staff visited our home to check the equipment. Sears staff indicated that they were unable to repair the equipment because they needed to order additional parts outside of XXXX XXXX. Despite insisting on the need for repair of the items even on XXXX XXXX, Sears did not respond to the claim. During the month of XX/XX/XXXX, Sears people visited our home again and took all the parts they had delivered for the repair of the equipment, indicating that they would return to collect the belongings. Subsequently, they called from Sears informing that a credit or return of the equipment was going to be granted. However, to this day, after tirelessly claiming Sears for a new equipment warranty, we still don't have an oven or microwave. The credit card was reported that Sears was going to give us the credit and nothing has happened, they continue to charge the same cost without solving this problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-23 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: GA

Complaint narrative:
I am writing this due to non-compliance with the CRA ( Experian ). I  strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. They are not following E-Oscar and Metro 2 compliance protocols that the FCRA has in place and violating the FCRA. I believe that they are being in non-compliance with the federal law. The company came back and said that the account is accurate but have not produced any documents. I have dispute this item numerous times with inaccurate information being reported. There is no way that this trade line is reporting accurately. I wrote them on XX/XX/2020, along with a copy of my credit report outlining the inaccurate information and they responded on XX/XX/2020. I do not believe that they did a proper investigation in this matter.

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 2020-06-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I purchased furniture through the XXXX website using their credit card. The original purchase date was XX/XX/19. It was a 6 month deferred interest plan. Unfortunetly, this month my interest kicked in for the first time. I didn't catch it in time, and I was charged by XXXX for interest in the amount of- {$74.00} I called XXXX to ask them to forgive me the interest this time and allow me to pay off the rest of my balance without paying interest. They refused and had no compassion for me and the current situation happening worldwide. I believe that this is taking advantage of people in this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: I.C. System, Inc.
State: CO

Complaint narrative:
An individual with the same name " XXXX XXXX '' who lives in Florida opened an account with XXXX XXXX in Florida. That account was not paid and went to a collection agency, I.C. System, Inc., who then filed a collection for that account under my name and social security number even though it did not belong to me. It is now showing on my credit report. When I called I.C. System to complain and have this removed they could not find an account with my social security number or address but they refused to remove the collection from my credit even though they had no proof it belonged to me. They then had me call XXXX XXXX and XXXX could not find an account under my social security number or address, either. 
Even though they had no proof whatsoever that I was the XXXX XXXX on the account they refused to remove the account from my credit report and informed me that I had to file a police report concerning the incident. I told them that it was not identity theft but that hey just had another client with the same name and they needed to fix their records and they did not care. I have filed the police report and am now filing with the CFPB.

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 2020-06-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Dear Sirs, I have moved abroad, to XXXX, and the over-the-phone agent can not assist me on my my Macy 's Amex credit card account affairs, since the agent asks me for cell phone or mail contact, both of which are no longer available.

At this point, the agent has informed me that she can not process the following requests : 1 ) An investigation into a transaction of {$18.00} on XX/XX/XXXX, which I was contacted about via email ( I didn't do the transaction ), and that I rejected ( I clicked " I do not recognize one or more of the above. '' on the email link. See email attached ) Despite the information " Charge Status : Declined '' on the email, apparently the charge was still processed, or additional transactions were attempted that currently amount to a {$39.00} balance. 

2 ) Once the issue above is resolved, I would like to cancel the credit card immediately. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
TransUnion refuses to remove this inaccurate account ( XXXX # XXXX ) I have sent them all the documentation as to WHY this account is reporting inaccurate I dont have this problem with XXXX  they REMOVED this account and I sent them the same Documentation What makes TransUnion so special I would really like to know? I have attached PROOF of this account being removed from XXXX. XXXX no longer owns this account and its reporting on my TransUnion report as with Past Due balance which is a clear violation

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 2020-06-23 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: CA

Complaint narrative:
i pulled my credit to myself for the first time in 6 years and seen many accounts that were not mine. i never applied nor seen any of these accounts.These accounts need

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
CASE XXXX. 

I was charged {$1200.00} for an unauthorized transaction ( Money Sent of XXXX EUROS ) in my account on XX/XX/XXXX. Same day, I reported the problem to PayPal and they came back quickly denying the case under the statement that : " After reviewing your case, we found that this transaction was not unauthorized and hence couldn't be covered under PayPal Purchase Protection '', and closed the case with no more explanations.

I contacted them requesting to re-open the case and they denied it, based on that the operation was consistent with my payment history.

There's is nothing consistent about this transaction : 1- The amount, I mostly used PayPal in transactions under {$100.00}, this operation was over {$1200.00}. 
2- I normally use PayPal to pay merchants or for XXXX operations, this was a SENT MONEY transaction. 
3- This operation was in Euros, I only did US $ operations 4- I  never did any kind of operation with the recipient of this transaction Also, after this operation, there was a try to charge me another {$890.00} but my bank denied the operation, that should turn on a red flag. 

PayPal has no reason to think this is a normal/standard operation in my account ; actually, the should've detected the fraud, denied the operation and contact me. 

Due the Coronavirus situation, it's almost impossible to contact PayPal customer service by phone, and there's only one way to do it, using their Message Center, which I contacted in several occasions, always getting the same result, nothing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-23 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XX/XX/2020 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to XXXX, Transition, and XXXX. 


I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard from these companies.

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 2020-06-23 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: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
My card was accidentally canceled by issuers, received apology, promise of new card. Now to my surprise, entire account canceled with no credible explanation. Not sure if I lose my sky miles and other perks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XXXX, I filed a dispute with Chase Visa for a charge to my account made by XXXX XXXX ( XXXX ) on XXXX. The charge was for two 1-way airline tickets from XXXX, XXXX to XXXX XXXX, XXXX, scheduled for XXXX. On XXXX, I received notice from XXXX XXXX that this flight had been canceled and that a refund " voucher '' was offered. As this flight was canceled by XXXX XXXX, not me, a full refund to my charge card is allowed by XXXX law and US law ( Fair Credit Billing Act 1974 ). 
On XXXX, Chase Visa requested additional information concerning the dispute. On XXXX, I provided copies of the XXXX XXXX email stating they canceled the flight ; copies of my attempts to contact XXXX XXXX for a refund ; a chronology of all communications with Air XXXX ; and a clearly stated summary noting that I did not cancel this flight. XXXX XXXX replied to the dispute that I canceled the flight ( no proof given, just the statement ) and this was a " non-refundable '' ticket so not eligible for a refund. Chase agreed and said the charges were valid, even though they had written proof I did not cancel this flight. 
I re-disputed these findings on XXXX providing yet more information and emails from XXXX XXXX showing I did not cancel the flight. Again, on XXXX, Chase Visa replied that, " While you may have a valid complaint with the merchant, the results of our additional review confirm that the transactions are valid and no billing error occurred on your account. '' I contacted Chase Visa Disputes department and was told that there were no " errors '' in my billings. The agent also said this was evaluated as a " billing error '' dispute, not a " merchant did not perform contracted services '' dispute. She continued to say that there was nothing more that could be done since I had re-disputed these charges, but if I wanted, i could resubmit all my data again and possibly it would be reviewed. 

I don't understand how this is a valid charge against my account and that Chase Visa has sided with a merchant that clearly has committed fraud, at their own acknowledgment. What can a consumer do in these cases where Chase Visa chooses to blatantly ignore the facts, written proof, and charged the account? Where can I get help? 
Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-23 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: CA

Complaint narrative:
i pulled my credit to myself for the first time in 6 years and seen many accounts that were not mine. i never applied nor seen any of these accounts.These accounts need

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 2020-06-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XX/XX/2020 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to Equifax, XXXX, and XXXX. 


I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard from these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XX/XX/2020 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to XXXX, XXXX, and Experian. 


I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard from these companies.

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 2020-06-23 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
This complaint is in regards to harassing phone calls that i have been receiving from Ally Financial in regards to an auto loan that i currently have with this company. I been starting to have issues beginning with XXXX of last year. I had fell slightly behind with my auto loan in XXXX because I had a financial emergency. I have called Ally and explained what was going on and how i will be addressing the situation. However this company continues to call my phone repeatedly multiple times a day and leaves multiple messages a day and even got to the point of calling family members. I have called them on a few occasions to let them know that i do not want them calling my phone multiple times a day and not calling my family members at all. They have not to my knowledge called anymore of my family however they are sending text and repeatedly calling my phone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief