vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-14 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: NY

Complaint narrative:
I am contacting you because TransUnion is reporting things on my credit report that do not belong to me and I have already submitted a police report and added a fraud alert on my credit report my score dropped 45 points for an account that doesnt belong to me and that was fraudulently opened. I want this fraudulent account removed at once because it does not belong to me and I had no knowledge of it being opened and it is fraud and I want it removed from my credit report at once because its fraud and does not belong to me. This is the account I want removed it is fraud and does not belong to me. XXXX XXXX XXXX XXXX Opened XX/XX/2018 + {$390.00} Original creditor : 01 XXXX XXXX XXXX XXXX XXXX Also I keep asking them to update balances on all my accounts which they refuse to do TransUnion XXXX and XXXX are purposely reporting inaccurate balances on my accounts in order to keep dropping my score these three companies have been doing this to me for sometime I have contacted XXXX XXXX news and they are following my contact with you into this matter as I am XXXX XXXX and a single mother and its time these fraudulent companies be made to treat people fairly here is a list of all the account balances that need to be updated

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I tried to log on to Transunion credit reporting bureau to lift a credit freeze. I got a message saying my password was not correct. I tried resetting my password and got a message that they could not identify me. I then tried to create a new log on and got the same message that they could not identify me, although I provided all the information about my identity they asked for. I then called the customer service number they provided to fix problems with logging on. The guy could barely understand English and was hard to understand. He would ask me a question. I would answer and then the line would go silent for 3-5 minutes before he would ask me another question and many times he would ask me the same question again after I already answered. It was like talking to an XXXX. After a half an hour of this I was getting no where so I hung up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
XX/XX/XXXX Consumer Complaint, This is a complaint against the handling of an Extended Warranty claim ( XXXX ) with XXXX  XXXX  XXXX  ( XXXX  ). My Chase Freedom Visa credit card has an Extended Warranty benefit administrated by XXXX. The magnetron on my XXXX microwave went out, so the microwave does not heat food. XXXX warranties their magnetrons for 3 years. Chase and XXXX  extends the XXXX warranty by 1 year. XXXX  denied my Extended Warranty claim refusing to pay for a valid claim. I submitted all of the paperwork : XXXX  online claim form, XXXX magnetron receipt, Chase Freedom Credit Card Statement, XXXX email, and replacement receipt for a microwave at XXXX XXXX. I was well within the 60 days notice of reporting the defective magnetron to XXXX  on XX/XX/XXXX. The date of loss was XX/XX/XXXX.  All documentation was uploaded within 90 days on XXXX  

The XXXX magnetron receipt states that the magnetron has a 3 year Replacement Warranty and shows " XXXX '' ( Chase ) for the credit card charged. The XXXX email explains that XXXX does not repair magnetrons, but only replaces them when under warranty. My XXXX warranty expired on XX/XX/XXXX. My XXXX  extended warranty covers XX/XX/XXXX to XX/XX/XXXX. I replaced the microwave at XXXX XXXX for {$330.00} on XX/XX/XXXX. XXXX  wants to ignore claims and teach consumers not to file. Chase needs to know that XXXX  is not paying out for valid Extended Warranty claims. I request that XXXX  reimburse me {$230.00} for the XXXX magnetron that was covered under their XXXX  Extended Warranty. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Tel : XXXX Policy Administrator : XXXX  XXXX  XXXX  ( XXXX  ) XXXX XXXX XXXX XXXX, XXXX XXXX, Tel : XXXX or XXXX XXXX  email : XXXX XXXX  Website : XXXX XXXX  Extended Warranty Claim # : XXXX Date of Loss : XX/XX/XXXX Filing Date of Online Claim Form with XXXX  : XX/XX/XXXX Claim Amount for XXXX Magnetron : {$230.00} ( before sales tax ), {$240.00} ( after tax ) Description of Damage : Defective magnetron in microwave makes no heat. The microwave does not function. 

Purchased Original XXXX Magnetron : XXXX XXXX Magnetron Replacement Warranty is 3 years : XX/XX/XXXX to XX/XX/XXXX XXXX  Extended Warranty is 1 year : XX/XX/XXXX to XX/XX/XXXX Replaced Defective Microwave at XXXX XXXX : XX/XX/XXXX Claimant/Policy Holder : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Tel : XXXX Chase Freedom Visa Credit Card # : XXXX XXXX XXXX XXXX Chase Freedom Visa Credit Cards : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Tel : XXXX Chase Website : www.chase.com

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
I was traveling outside the country ... At least 2 weeks before my travel date I called fifth third bank to ask them can i use my fifth third AC360 MasterCard in XXXX. They told me yes. As long as its not a country that the U.S. have sanctions against. Well on XX/XX/XXXX my card stop working and i called to see what was wrong with my card. The customer service department continued to hang up the phone on me while i was in a foreign country. they never tried to contact me back to see what the problem was. They never contacted me to tell me they put a block on my card for a transaction i attempted to make on my card while i was in XXXX. Even after returning to the United States the card would not work ... i went inside the bank to resolve the issue with customer service and they called AC360 and the fraud department and they hung up the phone on me also several times. They also charged me the foreign transactions fee for the transaction that they never approved. I feel they never tried to contact me back about the block on the card because they do not want XXXX men to travel outside the country in the first place. They never tried to contact me by phone, text or email. All they did when i tried contacting them is hang up the phone. I cant contact them because they going to hang up the phone on me because i am XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 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:
I am contacting you because XXXX is reporting things on my credit report that do not belong to me and I have already submitted a police report and added a fraud alert on my credit report my score dropped 45 points for an account that doesnt belong to me and that was fraudulently opened. I want this fraudulent account removed at once because it does not belong to me and I had no knowledge of it being opened and it is fraud and I want it removed from my credit report at once because its fraud and does not belong to me. This is the account I want removed it is fraud and does not belong to me. Resurgent Cap Srvcs Lp Opened XX/XX/2018 + {$390.00} Original creditor : 01 XXXX XXXX XXXX XXXX XXXX Also I keep asking them to update balances on all my accounts which they refuse to do XXXX XXXX and XXXX are purposely reporting inaccurate balances on my accounts in order to keep dropping my score these three companies have been doing this to me for sometime I have contacted XXXX XXXX news and they are following my contact with you into this matter as I am XXXX XXXX and a single mother and its time these fraudulent companies be made to treat people fairly here is a list of all the account balances that need to be updated

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 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: NY

Complaint narrative:
I am contacting you because XXXX is reporting things on my credit report that do not belong to me and I have already submitted a police report and added a fraud alert on my credit report my score dropped 45 points for an account that doesnt belong to me and that was fraudulently opened. I want this fraudulent account removed at once because it does not belong to me and I had no knowledge of it being opened and it is fraud and I want it removed from my credit report at once because its fraud and does not belong to me. This is the account I want removed it is fraud and does not belong to me. XXXX XXXX XXXX XXXX Opened XX/XX/2018 + {$390.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Also I keep asking them to update balances on all my accounts which they refuse to do XXXX XXXX  and experian are purposely reporting inaccurate balances on my accounts in order to keep dropping my score these three companies have been doing this to me for sometime I have contacted XXXX XXXX news and they are following my contact with you into this matter as I am XXXX XXXX and a single mother and its time these fraudulent companies be made to treat people fairly here is a list of all the account balances that need to be updated

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 2019-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
I applied and was approved for the XXXX credit card by American Express Business Card on XX/XX/XXXX. The promotion for this card offer allow applicants to earn XXXX   points after $ XXXXor more in eligible purchases are made on the credit card within the first 3 months. 

When the credit card has arrived by mail it not show that 100,000 points offer in the welcome letter. I called the customer service number showed on the back of credit card and questions about the promotion offer and she said when I made purchase {$5000.00} or more in the first 3 months, the promotion points will automatic shows on my account statement. 

In the first 3 months I made purchase over {$5000.00} with this credit card and paid off my balance on time. However, the welcome points it not show on my statement. I called the customer service and concern about it and she took my information and create the reference # XXXX. 

In the past 4 weeks I made several phone called to customer service and they keep transfer my called to different department and they keep said that I has applied the card in XX/XX/XXXX that why I can not receive new promotion. I couldn't agree with the explaintnation because if I already has a credit card why the system still approved another. 
I has escalate my complaint to XXXX XXXX XXXX with case ID XXXX. On XX/XX/XXXX, I received letter from Customer Advocate Services Team response to my complaint with the same answer that American Express refuse to offer my rewards that they offer online promotion when I applied for the credit card. 



XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: ND

Complaint narrative:
I have received notifications from Credit reporting agencies of negative remarks, balances have increased twice since I just refinanced with XXXX in XX/XX/2019, Inhave been making on time payments and my balance has increased TWICE. My current balance is less then the amounts reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
The TransUnion website is designed in a way that leads individuals attempting to dispute and/or validate information on their respective reports, to an " ORDER NOW! '' page for " TransUnion Credit Monitoring ''. 

This directly inhibits an individual 's right " to dispute incomplete or inaccurate information '' provided under the Fair Credit Reporting Act. 

Notably, " TransUnion Credit Monitoring '' is a subscription service ... So any desperate consumers opting to sign up for " TransUnion Credit Monitoring '' just to be able to dispute information ; are at risk of being blindsided by TransUnion at a later date by the associated costs. 

I have attached a number of screenshots of the TransUnion website. Note that any red in the images was added for notational purposes, and was not on the actual webpage ( s ). They should be viewed in the following order - which has also been indicated in the file names : 1 ) XXXX 2 )  XXXX 3 )  XXXX 4 ) XXXX The FIRST image ( XXXX ) is of the " Dashboard '' /landing page of the TransUnion website upon logging into a TransUnion account. Note that the " TransUnion Credit Monitoring '' advertisement is also displayed on this page. 

The SECOND image is the page reached when clicking on " Dispute Center '' ( as indicated with the red arrow in the FIRST image ). 

The THIRD image is the page reached when clicking on " START A DISPUTE '' ( as indicated with the red arrow in the SECOND image ). 

The FOURTH/FINAL image is the page reached when clicking on the " refresh your TU report '' link ( as indicated with the red arrow in the THIRD image - also note the red underlined text ; this page explicitly tells the user to follow the link before starting a dispute ). The " TransUnion Credit Monitoring '' advertisement seen here is visually the same as the one in the FIRST image ; but is displayed from a different page of the website ( " Credit Report '' as opposed to " Dashboard '' ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX is reportin a lot of innacurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to Transunion and XXXX but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely innacurate they are in violation of my rights. 

Account type is reporting as joint for transunion and individual for experian. transunion is reporting a monthly payment of {$260.00} and XXXX is reporting {$0.00}. Transunion is reporting the date opened as XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Transunion is reporting the last reported date as XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. transunion is reporting date last active as XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. As you can see this is agains the law and is hurting my ability to obtain credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX is reportin a lot of innacurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to XXXX and Experian but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely innacurate they are in violation of my rights. 

Account type is reporting as joint for XXXX and individual for experian. XXXX is reporting a monthly payment of {$260.00} and experian is reporting {$0.00}. XXXX is reporting the date opened as XXXX and experian is reporting XXXX   XXXX is reporting the last reported date as XX/XX/XXXX and experian is reporting XX/XX/XXXX. XXXX  is reporting date last active as XX/XX/XXXX and experian is reporting XX/XX/XXXX. As you can see this is agains the law and is hurting my ability to obtain credit

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 2019-04-14 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: CORELOGIC INC
State: GA

Complaint narrative:
I have 2 big charges that became open on my credit card. I want to remove because I have no knowledge of them. Nor is the info right on them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I pulled a credit card with Citibank in XXXX under a zero percent interest rate. In XX/XX/XXXX I paid the card in full over the phone to make sure I was paying the entire amount owed. This was one month prior to the interest rate accrual that would begin in XXXX. In XXXX I received no statement showing balance was paid in full. In XX/XX/XXXX I logged into the card website because I just had my identity stolen and needed to check on all my accounts. I find a $ XXXX balance on my card! I called and they explained the card was used for autopayments that I never changed. I asked the company why I never received any statements and they said I was set up for email notices. I didn't have any notices and when I log into my account I see no statement for generated for the month I paid in full. I see statements for every month since I opened the account through today but no statement for XXXX after I made the payment in full. Therefore, no proof or notice that I paid my card in full. I asked the company to make courtesy of writing off all interest charges accrued since I thought this was a closed card. They told me they could only write off half. I begrudgingly pay in full and close the account, AGAIN! I log in today and see a {$6.00} finance charge on a zero balance! I have been a credit card consumer for over 25 years and never have I received so many problems with a credit card. I needed to report this because to me something is not right with this company and/or card line. In my added photo you will see the month my statement was not generated.

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 2019-04-14 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I have been getting strange emails from the credit reporting agency saying something about a dispute from your bank Just curious if they have the wrong person could you tell me if you got any disputes from any of the reporting company for me? Just curious they have the wrong person

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 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: SC

Complaint narrative:
I previously send in a dispute that went ignored. This time I have tracking, and will submit complaint through the CFBP. 
Please remove this information from credit report. Please block any further attempt of these accounts being reported in the further or sold an being reported from another collection agency. Please remove this information within the time frame stated by law. Thanks in advance for you help and understanding. Please send me a copy of my report to the address on file. I will attached documents to support my claims.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 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: ID Analytics, Inc.
State: FL

Complaint narrative:
To Whom it may concern, I request a copy of my XXXX consumer report for freedom of information purposes since my information is involved. 

Furthermore i request a freeze to be added to my XXXX  consumer report pursuant to my fcra right as consumer. 

Attached is a copy of ID and SSN for Verification Purposes Please Send Me a letter Confirmation with My XXXX   Consumer Report Blocked To the address listed on that request Regards,

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