vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-19 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
On XX/XX/XXXX I purchased 6 tickets from XXXX XXXX XXXX XXXX on my American Express XXXX card. The flights were subsequently cancelled. Per law when goods or services are not delivered as contracted, and an acceptable alternative is not offered, the consumer is due a refund of the monies paid for said service. As that was the case in this circumstance, I contacted the airline to attempt to get a refund. After many months of fruitless attempts, I felt I had no choice but to dispute the charges with American Express. 
The merchant replied to American Express that they will be issuing a voucher for future use. As I am due a refund by law, I was not willing to accept this. If I purchase an item or service, and it is not delivered, I deserve a refund, not a future credit for a service that at the time was not being offered ( XXXX XXXX  Was not operating flights at the time ). Nevertheless American Express insisted on taking the merchants ' side. Their chat reps explicitly advised me that they have different sets of rules for large XXXX dollar corporations and small businesses. And while I would have won the dispute against a small business, American Express was allowing large corporations to change the terms of the sale post facto. 
With no further recourse, I relented and contacted the merchant for future credit. After months of back and forth with the merchant, the merchant thoroughly investigated their books, and claims they never received the disputed funds back from American Express, and therefore is unable to provide the future credit. 
On XX/XX/XXXX after exhausting all options with the merchant, I finally went ahead and reopened the dispute with American Express, however to my dismay, American Express refused to reopen the dispute, claiming that the funds were returned. However if that is in fact true, why not reopen the dispute? It is a clear case of goods or services not being delivered as contracted. I did not receive the service purchased, not the future travel credit. Shouldnt XXXX be able to recover my funds? I must therefore conclude that American Express is indeed holding the funds unlawfully, or is otherwise complicit in this fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-19 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: GA

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 

This is unacceptable. I will file a lawsuit ASAP!

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 2021-01-19 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: PA

Complaint narrative:
All three credit report agency is reporting false things and its not me .Please removed things off my credit .My credit score is very low and I need this removed asap .These companies is putting information on my credit that's false.

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 2021-01-19 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: TX

Complaint narrative:
I want to dispute all credit inquiries on XXXX  trans union and XXXX 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 explanation
Consumer complaint received 2021-01-19 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: TX

Complaint narrative:
XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit fcra violations XXXX XXXX  Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit fcra violations see cfpb XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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:
XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit fcra violations XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit fcra violations see cfpb XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
THESE COLLECTION/CHARGE-OFF ACCOUNTS ARE IN VIOLATION AND NEEDS TO BE REMOVED IMMEDIATELY BECAUSE THERE ARE LATE PAYMENTS AFTER ACCOUNT WAS CLOSED. 
COLLECTION IS CLOSED-ENDED ACCOUNT AND CAN NOT HAVE LATE PAYMENTS. THESE ACCOUNTS SHOULDN'T BE REPORTING OPEN, NO LIMITS, NO PAST DUE AND NO PAYMENT STATUS. WHEN IN VIOLATION SHOULD BE REMOVED IMMEDIATELY!!!! INACCURATE REPORTING ON DATE OF LAST PAYMENT, DATE LAST ACTIVE 1.XXXX XXXX 2. XXXX 3. ORIGINAL CREDITOR WHICH IS A VIOLATION OF THE HIPAA LAW

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: Convergent Resources, Inc.
State: AL

Complaint narrative:
While reviewing my credit report on XX/XX/2020, I discovered that there are inaccuracies on all three credit bureaus. I have filed a report with the federal bureau and the company, but it has not been resolved.

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 2021-01-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: DE

Complaint narrative:
New Rez LLC in Pennsylvania acquired a mortgage from XXXX. Mortgage is in good standing with no break in payment history. In XXXX 2020, I called New Rez to refinance mortgage at a lower interest rate. Property was appraised in XX/XX/ 2020, found in good conditions and appraised at nearly double the amount owed. I made multiples phone calls and sent emails to ascertain the status of my application and to get a closing date. As of today, the New Rez staff hasnt given me an estimated closing date. In fact, I believe this company has purposely prolonged this refinance process to keep charging me a higher interest rate. Additionally, this company lacks an understanding of the NJ laws that allow a married woman to own and maintain an investment property on her own right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: AFNI INC.
State: TX

Complaint narrative:
XXXX  had 3 different accounts under my name at 3 different addresses which i never opened. they have sold the debt to AFNI XXXX and keeps appearing on my Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: Paramount Recovery Systems, L.P.
State: AL

Complaint narrative:
Upon reviewing my credit report on XX/XX/2020, I discovered that there is an inaccuracy with the credit bureaus. I have filed a report with the federal bureau and the company. It has not been removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
on XXXX the XXXX i was in XXXX XXXX with my father on a visit. On my way to the airport we stopped to get food and the car was broken into and my bags where taken along with my fathers belongings. The police was called and a report was taken. On XXXX the XXXX i receive a text message from my father phone it said for me to deposit two checks he was sending me to replace my XXXX  watch XXXX computer and text books for school and another to pay my semester that i owed. I was surprised he had sent me over the amount i needed and i text him. He replied for me to quick pay him thorough zelle XXXX to return some of the money back which i did. After a two days the first check bounced i called my bank and they informed me it was an unauthorized check. I immediately contacted my father at my grandmothers house where he informed me he had never sent the check and that he had not recovered his phone. I was advised from zelle and my bank to file a report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
One XX/XX/XXXX I did a consumer credit transaction with Chase Auto Finance. The total amount of the transaction was for XXXX ( which includes my down payment of XXXX ). This purchase was for a used vehicle and as per the retail installment contract, the finance charge was {$2000.00}. I ended up paying an additional {$12000.00} to finance the vehicle, which means that Chase Auto is in violation of the truth in lending act, 15 usc ch.41 1601. Chase failed to comply with 15 usc 1605 ( a ) as i should have not been charged any additional fees besides the finance charge as this section states that the finance charge is the sum of all charges. Additionally they are also in violation of 15 usc 1605 ( b ) as auto my auto insurance was not included in the finance charge. Chase failed to process this transaction appropriately and is in violation of 15 USC 1640 ( a ) ( 2 ) ( A ) ( i ) and they are required by law to pay twice the amount of the finance charge. On XXXX I sent Chase an Affidavit via UPS and it was received on XXXX. Today I am contacting the cfpb to get this matter resolved as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I've been calling to get a new card as I lost mine and suddenly got a closed account alert. 
I immediately called to get it reinstated and was blown off by everyone I spoke to who did all but laugh at my predicament. I was also told by a manager that them closing my account would have no impact whatsoever on my credit score which is incorrect information.

I explained that I have called many time and to look at my records as my card was lost many months ago but no replacement was ever sent.

The manager told me that they did not need any reason and can just cancel my credit cards for any reason at any time. 
This has ruined my credit as it was my longest card. 
I had no notice at all that they were planning on closing it.

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 2021-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: NY

Complaint narrative:
I am writing today in regards to my account with Discover Bank Account # XXXX which is reporting a late in XX/XX/2020. I would like to inform you that at the time of the payment I was impacted by Covid as soon as I was able I did get that account paid and current.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I submitted a dispute to XXXX, Equifax, and XXXX well over 30 days ago. I still have not received an update or had the fraudulent and unauthorized accounts removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC
State: IL

Complaint narrative:
On XX/XX/2020, I was sent a letter from Mountain Run Solutions that I allegedly owed XXXX  {$1600.00}. I do not owe this company any money and this was my first time hearing that I allegedly owed a debt to this company. 
On XX/XX/2020, Mountian Run Solutions received a debt validation letter from me asking them to validate the debt and not simply to verify it. 
As of XXXX XXXX, I have not recieved anything from Mountain Run Solutions that validates this debt and they illegally put the collection on my XXXX  and XXXX  credit report without providing me validation of the alleged debt. 
The law states that if collection agencies fail to respond to validation requests within 30 days from receipt of the validation letter, all references to the account must be deleted and completely removed from my credit file. 
In XXXX of 2020, I disputed this alleged debt with both XXXX and XXXX  and both companies said Mountain Run Solutions said the debt was accurate, which is totally false. I am requesting that this alleged debt be removed from all of my credit files due to the illegal practices of failing to provide valididation of the debt within 30 days of receipt of validation request.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are so many inaccurate accounts reporting on my credit that I have no knowledge of and this is hurting me big time! I can't believe these companies will allow this activity and not even notify me and let it impact my score so much. I have sent multiple dispute letters over 60 days ago and I still haven't gotten a response. I don't this its fair for me to have my credit impacted by formation and accounts that I didn't authorize, I removed and this issue to be resolved asap along with at least a response from these companies. attached are my letters and pictures of my identity and address verification. please help me.

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 2021-01-19 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There are so many inaccurate accounts reporting on my credit that I have no knowledge of and this is hurting me big time! I can't believe these companies will allow this activity and not even notify me and let it impact my score so much. I have sent multiple dispute letters over 60 days ago and I still haven't gotten a response. I don't this its fair for me to have my credit impacted by formation and accounts that I didn't authorize, I removed and this issue to be resolved asap along with at least a response from these companies. attached are my letters and pictures of my identity and address verification. please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: PA

Complaint narrative:
All three credit report agency is reporting false things and its not me .Please removed things off my credit .My credit score is very low and I need this removed asap .These companies is putting information on my credit that's false.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: PA

Complaint narrative:
All three credit report agency is reporting false things and its not me .Please removed things off my credit .My credit score is very low and I need this removed asap .These companies is putting information on my credit that's false.

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 2021-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
After the bankruptcy discharge the bank that I have the mortgage at, Mr. Cooper, stated that they never received my money. I have a statement from the Office of the Chapter XXXX Trustee XXXX XXXX. XXXX, saying that the money was deposited. However, my mortgage bank Mr. Cooper says they dont have the money. 
I had called Mr. Cooper multiple times and they were not able to locate the money. I also, had my bankruptcy attorney contacted them. Unfortunately, after a year of trying I am in default, no one can locate the money I paid, no one has any answers for me. I am afraid of eviction any time. My statement shows that I still owe them money but already I paid $ XXXX, and no one knows where the money is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I submitted a dispute to Transunion, XXXX, and XXXX  well over 30 days ago. I still have not received an update or had the fraudulent and unauthorized accounts removed.

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