vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2021-12-01 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: DC

Complaint narrative:
On XXXX XXXX, 2021, I purchase on Amex Travel using my Amex credit card an airline ticket for {$98.00}. Due to reasons associated with the pandemic, I was unable to travel so I decided to call Amex Travel and cancel this flight. Amex Travel said that they will give me a credit of {$98.00} to use for another ticket with XXXX XXXX. However, yesterday when calling Amex Travel to use this credit, they are telling me they can only find a divided credit, XXXX for {$51.00} and another for {$46.00} and that I can only use XXXX at a time to book a new ticket. Therefore, if I want to use the full {$98.00} that I paid for on my credit card, now I have to buy with Amex Travel XXXX airline tickets, which is a total scam that I never agreed to. 

I never paid for XXXX tickets, I was only charged {$98.00} on my Amex credit card, in this sense, I am requesting the use of the full {$98.00} credit to buy a new ticket, however, this has been denied repeatedly by Amex Travel even after speaking with a supervisor. 
I tried contacting Amex credit card to initiate a dispute since the service is not been provided as described and not what was agreed upon, that I will have a future credit of {$98.00} to use to buy a new ticket, however Amex credit card refused to open a dispute on the basis that since it was the same company I can't open a dispute with them but I could only speak with Amex Travel agents, I told them I already talk with their agents which keep on refusing to honor the full {$98.00} credit. 

This has left me with a charge of {$98.00} for a flight I never took, and which I will never be able to use as a credit unless I am pressured to accept Amex Travel policy scam, of using partial credit, or buying XXXX tickets, which I never agreed to since I was charged a full {$98.00}. On the other hand, I can't dispute the charge with my credit card just because they are the same company, so I am being forced to accept what was never agreed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-01 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: CITIBANK, N.A.
State: NY

Complaint narrative:
There are some negative items in my credit report and dont belong to me XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 


XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX MACYS Account Number : XXXX XXXX XXXX XXXX XXXX XXXX A Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account 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 2021-12-01 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
There are some negative items in my credit report and dont belong to me XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 


XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: AL

Complaint narrative:
hi transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old XXXXr and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2021-12-01 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: AL

Complaint narrative:
hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I saw an advertisement on the REGIONS website offering a {$200.00} sign up bonus by doing a deposit of {$500.00} and XXXX debit card transactions. I had XXXX days to complete these requirements. Very simple to do, however it took nearly XXXX weeks for me to receive my debit card and when I did I activated it the same day and used it XXXX times the very same day. They have not honored their advertisement and they are still running the promotion right now. I do not understand why they are not honoring the bonus when I did the deposit and used the debit card. They seem to be trying to get out of paying the promised money by using a technicality but that is in bad faith because I did what was required and it was REGIONS that did not use a fast delivery service when everybody knows the XXXX has been delayed for over a year now.

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 2021-12-01 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: TX

Complaint narrative:
I contacted XXXX XXXX XXXX XXXX on XX/XX/XXXX regarding an XXXX dollar charge off on my credit report from an auto loan I had with them years ago. Account was considered paid in full on XXXX, XXXX, XXXX. I was told by the representative to send in disputes to Experian and XXXX. I sent in disputes through the mail with Experian and XXXX. XXXX has not responded yet. Experian responded that they could no dispute the charge since the account was paid in full and is considered " closed '' On my credit report, it shows a XXXX dollar " charge-off '' amount putting a negative impact on my XXXX XXXX. 

To go into detail, I was in a car accident in XXXX and the amount that insurance did not cover for the rest of the loan was on us. XXXX XXXX XXXX XXXX agreed with a payment-plan to get the rest of the amount owed paid off, which was {$1300.00}. There was never a late payment recorded either. 
My credit and ability to go get a new car is impacted by a {$0.00} charge off, which is ridiculous. Dealerships automatically think I had my car repossed with this on here.

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 2021-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: NJ

Complaint narrative:
I purchased a vehicle from XXXX, my first payment was due on XX/XX/2021, on XX/XX/2021 I called to let them know that I mailed out a payment. On XX/XX/2021 they came and picked up the car because they said I defaulted on my first payment. I tried to explain to them that I did mail the payment, no want wanted to listen to me. All they are saying is that I need to pay the full balance of the loan, in order to get my car back. They are not even trying to let me explain what happened, the lady said they tried to reach me and I explained to her that I was not available due to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: CA

Complaint narrative:
Purchased a XXXX miner system on XX/XX/XXXX of 2021 for {$460.00}. Item was never shipped. Company eventually sent email offering refunds but they now tell me they can not process refund as they have a problem with their credit card processor. PLENTY of similar complaints about company on XXXX, XXXX, XXXX, etc. 

Contacted Chase, they gave a temporary credit but are now reversing that because they say XXXX has XXXX day limit. Company committed fraud by taking money for an item they never had, but XXXXVisa is refusing to do a chargeback even though evidence was submitted showing that the charge was fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: IL

Complaint narrative:
hi transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX  its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX  remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX XXXX and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe depression and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2021-12-01 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: Nelnet, Inc.
State: GA

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: JTM Capital Management, LLC
State: CA

Complaint narrative:
While looking over my credit report I have 3 collection accounts as follows XXXX. XXXX account number # XXXX XXXX. XXXX XXXX account number # XXXX XXXX. XXXX Credit account number # XXXX I contacted the first XXXX XXXX and they tell me they are only the bank and have nothing to do with reporting to the credit bureaus, even though they are listed on my credit report. They told me to call XXXX XXXX because they are the ones who own all THREE  of these SAME accounts, keep in mind this negative account is reporting 3 times on my credit report, it's all the same account, this is a clear violation. After calling XXXX XXXX they tell me they have no information on this account because it was sold to JTM Capital Management , LLC whom once again are not listed on my credit report. I called this company JTM and they don't answer their phone and DO NOT return my calls/messages. I have written letters to all three credit bureaus as well disputing this account reported 3 times and they did not help either. my goal is to have these 3 eroniuos and violations removed at once, before filing a law suit.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: GA

Complaint narrative:
TRANSUNION refuses to update XXXX paid charge-off accounts. On XX/XX/2021, I recorded Transunion XXXX XXXX on a recorded line verifying that the XXXX and XXXX accounts both have a " XXXX '' balance. After nearly XXXX minutes of conversing, Transunion agent refused to process my dispute or give me a confirmation number ( XXXX ) for my dispute. 

Transunion refuses to update the statuses correctly and has really caused my credit scores to suffer and credit denials to rise. 

In XX/XX/2021, I voluntarily paid XXXX chargeoff account XXXX XXXX and XXXX chargeoff account XXXX, in full. Since then, I have contacted XXXX & XXXX in vain on numerous occasions requesting that they either update their inaccurate data ( chargeoff status still remains ) or delete the account ( it is now paid in full ) that is currently reporting to the credit bureaus. 

Both companies have sent information that they are indeed reporting the status correctly.

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 2021-12-01 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: DISCOVER BANK
State: AL

Complaint narrative:
I was on a flight to Colorado ( with XXXX family members ) when the second leg of our flight was cancelled & we were unable to rebook another flight. As soon as we were off the plane & able to, we called to cancel the hotel we had booked in Colorado, since we were not going to make it there. After explaining the situation to the person at the hotel, as well as a person at XXXX, they refused to refund our money. I immediately filed a dispute with Discover for the flight and hotel. After a short period of time, they gave us provisional credit for the flight and hotel. While the flight dispute was found in our favor, the hotel dispute was not and over XXXX days later, the charge was put back on my account. I contacted Discover & received an automated response & no one ever bothered to get back to me. I tried again and after XXXX minutes I was connected with a customer service rep. She asked for documentation of cancellation, which I obviously didn't have because we had to call to cancel and got the run around from both the hotel and XXXX, hence the dispute. I was told that I would need documentation & when I told the representative that I had the name of the person I spoke with at the hotel & the phone records showing that I had called, she then said that I would need written documentation, which I had already told her I didn't have because I called to cancel. During the time I was on the chat with the representative, I was XXXX logged off & received automated responses when I logged back on. I was eventually able to chat with a person again, but the time I wasted waiting was unacceptable. I will be making complaints against both the hotel and XXXX as well..

Company response to consumer: Closed with explanation