vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC
State: MO

Complaint narrative:
In XX/XX/XXXX we were on vacations to XXXX XXXX, XXXX XXXX, we bought a Timeshare with XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX we paid them a Downpayment of {$4000.00} and after that we started paying {$240.00} monthly. When we signed the contract they told as that we could use any week of the year with the exception of the week of Spring break, the week of XXXX XXXX XXXXXXXX and two weeks of XXXX Holidays, and they suggested make reservations with six months in advance. In XX/XX/XXXX I call them to make reservations in XXXX XXXX XXXX XXXX, they told me that they were full for the date that I was trying to get, which was at the end of XXXX, i call directly to the hotel in XXXX like a normal customer and they had rooms available that date, i tried using XXXX and there were rooms available too. I was pretty mad and call XXXX XXXX XXXX XXXX in XXXX XXXX and they told me again that they were full in XXXX for that date and they offer me to send me to XXXX XXXX, XXXX XXXX XXXX where they have Hotels too, i did not accepted his offer and I told them that I wanted to Cancel the Contract since they violated the Contract, I did not had what the offer to me. They transfer me with one of the Top Manager in XXXX XXXX XXXX XXXX XXXX XXXX, he told me that he will solve my problem, he asked to wait two weeks, I never received any answer. I call them again to let them know that I was going to stop paying my monthly payments and maintenance quotas, the threatened me with send me to Collection. I stopped doing any payment since i never received any single day of vacation and I paid them about {$8000.00}. 
Now I receive a letter from Monterey Collection SVCS trying to make pay {$11000.00} and they damaged my credit report for about 30 points down, this is ridiculous, I just want to have justice, there is no way that they could be stealing the people this way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XX/XX/2020 Citi CBNA were called in regards to confirming a Citibank Card from CBNA they submitted to collections but have no record of such account. it was stated that I only have one account. Cictibank don't understand why there are two accounts being reported. The account i have with citibank cbna is in good standings to include automatic payment on a monthly basis. why is there another card on my credit report in collections when I only have one card?

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 2020-06-12 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: AZ

Complaint narrative:
IVE BEEN A VICTIM OF IDENTITY THEFT

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 2020-06-12 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: AZ

Complaint narrative:
IVE BEEN A VICTIM OF IDENTITY THEFT

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 2020-06-12 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: OK

Complaint narrative:
Dear Sir/Madam, We traveled overseas in the mid of XXXX and were stuck due there for almost two weeks due to our flights being cancelled by the airline as a result of COVID-19 Pandemic. Our initial returning flights were cancelled by the airline on XX/XX/2020 as a result I contacted our travel issuing company which was AMEX Travel but they refused to accommodate us on the next available flight back home and wanted to charge us all kinds of fees such as fare difference fees, flight cancellation fees, etc. Which I never agreed to pay because we did not make any changes to our itinerary and our flights were cancelled by the airline. So, we ended up purchasing brand new tickets to return back home to XXXX  XXXX on XXXX. XXXX, 2020 for a approx. cost of % XXXX and we purchased travel insurance just for the piece of mind through AMEX travel insurance. That flight ended up getting cancelled as well by the Airline and once again contacted AMEX Travel and they refused to accommodate this cancellation as well. As soon as I learned about our flight cancellation I contacted AMEX travel insurance and told them that our flight was cancelled by the airline therefore, we would like to cancel our travel insurance policy and would like to get refunded for the amount of approx. {$180.00}, and they refused to do so stating that its too late to cancel our insurance policy. I was frustrated at that moment because we purchased a travel insurance for tickets that were nullified by the airline but for some reason they still want to charge us money for it. Therefore, as a last resort I decided to dispute this transaction with AMEX customer service but now they are saying as well that I have to pay for the insurance because policy was consumed, not sure how this policy was consumed when our flights ended up getting cancelled and we returned home using the U.S Government Chartered flight. We are helpless at point because we are being forced to pay for some services that were never used and were nullified by the airline. 
Please find attached supporting documents showing that our tickets were cancelled by the airline and we ended up returning home using U.S Government Chartered flight.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-12 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: Ditech Financial LLC
State: IL

Complaint narrative:
We filed a CFPB Complaint # XXXX against Ditech Financial for Account XXXX in regards to the reporting of inaccurate information concerning : a ) an outstanding balance and b ) account reporting as charge off account. A payment was made to the original creditor Greentree before merging with Ditech Financial. Some how that last payment has vanished and now Ditech is stating that they transferred the account to XXXX XXXX XXXX, XXXX. The problem with that is my credit report only shows Ditech as the company that has reported or reporting on this account. Ditech Financial seems to have made no effort to investigate before responding to the CFPB Complaint which is discouraging. The payment was made while the Greentree/Ditech merger so its on Ditech to fix this issue that is harming my credit scores with inaccurate account information.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: IN

Complaint narrative:
I purchased a car during the summer of 2019. I took a loan on the car from Hyundai Motor Finance and then paid my car off in full. Before doing so, I ensured they had updated my information in their system to my new address. They decided to send the new title to the old address anyways and I never received it. 

Since then, I have asked for a duplicate title and/or a lien of release. I have called and made this request multiple times over the past 6 months, they always claim to send it out, and it never arrives. My car registration recently expired, and now I ca n't drive it since I can't register it without my title. This means I am experiencing actual damages from the company 's inability to fulfill its final step of the contract. 

I filed a previous CFPB complaint on this matter, but it was closed after their response. They promised to send it via courier ( for a signature ) ASAP, but it still hasn't arrived, nearly a month later. Hyundai Motor Finance is not fulfilling their contract and I desperately need help.

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 2020-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: AL

Complaint narrative:
My son had an accident a few years ago. Without my authorization, he was flown by helicopter to the hospital. Afterwards I was told that I owed this helicopter company {$45000.00} for a 10 minute ride. This is ridiculous. I never gave them permission to transport him, and I was never told what the price would be before he was transported.

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 2020-06-12 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$930.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$870.00} XXXX XXXX  XXXX {$470.00} XXXX XXXX  XXXX {$850.00} XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX {$1500.00} XXXX XXXX {$870.00}

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 2020-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: OH

Complaint narrative:
PNC will not allow me to connect to XXXX app.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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:
I decided to get my credit pulled due to a couple of collection letters I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$390.00} XXXX XXXX {$2500.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$350.00} XXXX XXXX {$440.00}

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 2020-06-12 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: NJ

Complaint narrative:
I filed a dispute with Chase Bank for a charge on my credit card. 

The XXXX  " XXXX '' sold a case of 3M masks for {$350.00} on XXXX. The regular price was about {$40.00} before COVID-19. I bought this one since everyone was worried about COVID-19. However, it was price gouging. I found it out price gouging is illegal in Texas and my friend gave me some masks. 

XXXX only gave warning to this seller. 

So, I rejected the delivery. The bottom line it that I don't have the item. 

Chase bank offered refund so I stopped dispute with XXXX. Then, Chase recharge. The Notice from chase provided XXXX 's response with call me a scammer just because exposed this XXXX  's illegal price gouging. 

Chase bank doesn't have anyone answer telephone ; I couldn't speak to anyone regarding the case. 

Since rejected package used the same tracking number, so it doesnt ' update the tracking information. 

It is unfair for Chase to recharge me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: LA

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. 
XXXX {$270.00} XXXX {$930.00} XXXX {$760.00} XXXX {$420.00} XXXX {$700.00} XXXX {$630.00} 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 2020-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
When applying for a checking account at Webster Bank on XX/XX/2020, I was denied a checking account and instead had to open an " Opportunity Checking '' account that carries a significant monthly fee. 

I was given a " notice of action based on information contained in a consumer report '' that instructed me to obtain a copy of my XXXX  report and dispute any inaccurate information in that report. 

I requested my XXXX report, and when it arrived ( dated XX/XX/2020 ), there were no derogatory marks on my report ( specifically, there was " no information found '' under the " Reported Information '' section of the report ). 

I spoke to Webster Bank customer service on or around XX/XX/2020, and they informed me that my XXXX  report contained three charged-off accounts. However, they would not give me a copy of the report. 

I spoke to Webster Bank customer service on XX/XX/2020 and XX/XX/2020 to attempt to get a copy of the report that was used to deny me a checking account. The first time I called, I was told that the department that handles XXXX  reports was closed. The second time, they first tried to make me call XXXX, and subsequently put me on hold and then disconnected the call. 

As far as I can tell, Webster Bank illegally denied me a checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. 
XXXX {$270.00} XXXX {$930.00} XXXX {$760.00} XXXX {$420.00} XXXX {$700.00} XXXX {$630.00} 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 2020-06-12 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:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. 
XXXX {$270.00} XXXX {$930.00} XXXX {$760.00} XXXX {$420.00} XXXX {$700.00} XXXX {$630.00} XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my 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 2020-06-12 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: OH

Complaint narrative:
Good morning. 
I am at wits end regarding my credit. THIS IS MY 5TH FORMAL COMPLAINT WITH CFPB AND EXPERIAN. Experian continues to list wrong information on my report for my sister, XXXX XXXX. Last year it was her student loans, which prevented me from getting a Refi on my house. This month, its my sisters car payment, inquiries to purchase cars! Someone at Experian accidentally merged my sisters credit report with mine over a year ago, and I contacted the consumerfinance.gov, and filed a Complaint, now I have contacted the Ohio Attorney General since you keep closing my complaints and marked as resolved. They are not resolved. Every month, for 6 months I filed a complaint after Experian replies and indicates " no problems here '' - and " Credit is not merged '' - But every month, I get a notification from Experian telling me that my report dropped 100 points, and it shows my sisters outstanding loans. After my sister got approved for SSDI late last year, she applied to have student loans removed from her report, and for a few months its been quiet. It appears that the student loans are off of my report. No. 

In XX/XX/XXXX, she applied for a rental apartment, and that shows up as a inquiry on my report, and in XX/XX/XXXX, XXXX did an inquiry, and XXXX, an auto loan company gave her the loan for the car she purchased thru XXXX. These are now the most current companies on my report. 
My credit report has been damaged, and I have lost money because of these continual errors, and Experian has not fixed them. I am now in the process of SPENDING MORE MONEY and hiring a Consumer attorney for my monetary damages! 
I applied for a ReFi with XXXX XXXX on my house last year, and the day of closing, my sister 's student loans popped up thru Experian, but not XXXX  or XXXX, so I was denied the loan, and had to cancel my contractors who were doing a rehab on my basement, and I am further injured because my credit score drops 100 points every month, and then 2 weeks later it goes back up when they realize their mistake. But then every month at the end of the month, they put her credit info on my report, and then 2 weeks later, they take it off. This has been going on for over a year, making it impossible for me to continue to get a ReFi on my house. THIS IS MY LAST NOTIFICATION TO DOCUMENT ALL THE TIRELESS EFFORTS THAT I HAVE TRIED TO SETTLE THIS MATTER WITH EXPERIAN. NOW I AM GOING TO GET ALOT MORE THAN JUST MY ATTORNEYS FEES PAID. THEY HAVE INJURED MY FINANCES, MY CREDIT REPUTATION, AND HAS PREVENTED ME FROM NOT GETTING LOANS BECAUSE OF THEIR ERRORS. 
Complaints filed with CFPB re : Experian XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 non-monetary relief