vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On XX/XX/2019 I was in the process of purchasing a vehicle. I had done my homework and had a pre approved credit approval from XXXX XXXX XXXX XXXX, when I went to the dealer I explicitly told them not to run my credit through their system ( min of 6 times ) that I had secured financing and gave the dealer the letter from XXXX XXXX. Approx 45 days later I get an Online alert that a hard inquiry from XXXX XXXX had been run for travel and entertainment, I had no clue so what that was so called XXXX XXXX and asked who and what authorized this inquiry, they replied the auto dealer had and that I should dispute the inquiry if I didn't authorize. I traveled to the auto dealer ( twice ) and asked why my credit was run other than to speak directly to XXXX XXXX which I did authorize but at that time I re emphasized NOT to run my credit through their system and I was assured and re assured it would not happen. The dealer said XXXX was their " captive '' finance co and that is why it was run..but should not have been run and they would see what they can do to fix it, so far, nothing. 
My issue is XXXX XXXX  is blaming dealer, XXXX XXXX XXXX ( dealer ) is blaming XXXX, their system and XXXX XXXX. I want this Hard Inquiry removed, it was fraudulent and has damaged my 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 2019-10-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paul Michael Marketing Service
State: NY

Complaint narrative:
I have sent two verification letters to collector requesting verify the debt. Fair Debt Collection Practices Act ( section 1692c ) and Rules of the City of New York ( section 5-77 ) require that you honor this request. Your cooperation will be appreciated.The first time was in XX/XX/2019. The collection did not respond. The second time was in XX/XX/2019 and I have not gotten an answer yet. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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: MI

Complaint narrative:
On XX/XX/2019 Trans Union dropped my credit score by XXXX points and refused to tell me why unless I paid them for it. No other credit reporting company has dropped my score.

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 2019-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have disputed the accounts that are appearing on my credit report. First off the name of the credit is completely different from the same account that was appearing on XXXX. Furthermore the account was showing a past due amount which I had stated in my previous dispute was not a 100 percent accurate which it must be per the FCRA since the account was closed the past due amount must state {$0.00} or the account must be removed. Following the date closed was in accurate, it was appearing the account was opened however the status of date closed was completely different. They refuse to remove the accounts due to their negligence on correcting their mistakes. I had another account which shows a different name on other bureaus again causing me to believe it was in accurate. Monthly payment was again showing and the date closed was inaccurate. Furthermore the second account XXXX did not state anywhere that the account was EVEN DISPUTED. They completely disregarded the fact that I disputed the account and did not acknowledge their mistakes. I have done my research and I am able to confirm my report must be 100 percent accurate and if their are violations on my report that I am able to confirm the account must be removed. They are negligent and I am demanding the removal of the two accounts on my report showing 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 2019-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XX/XX/2019, I requested TransUnion XXXX XXXX. XXXX XXXX   XXXX XXXX XXXX to remove an inaccurate consumer name reported on my credit report. The report indicates a name XXXX XXXX XXXX. It is an incorrect name. Also listed is XXXX XXXX, XXXX XXXX XXXX XXXX ... these name are inaccurate and TransUnion has failed to remove the  inaccurate names as I properly included verification of my identity, I have not received any updated credit report. This is hindering me from establishing credit. The dispute has gone over 90 days without an update and still remains reported on my credit file. 

Thank you XXXX 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 2019-10-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This incorrect reporting of lates is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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: IN

Complaint narrative:
I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see iterns ; that aren't mine. I got in contact with the police and FTC. I don't understand what's going on but these items are not mine and they all need to be deleted from my credit report XXXXXXXX, XXXX ( acnt # XXXX, ) XXXX ( accnt : # XXXX ), XXXX & XXXX ( accnt # XXXX ),  XXXX & XXXX ( accnt XXXX ), and these inquiries are not mine either XXXX/XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXXI , XXXX XXXX. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
To Whom It May Concern, On XX/XX/XXXX I was on my XXXX XXXX  noticed my score had dropped from an account I was an authorized user on a XXXX XXXX which was opened XX/XX/XXXX. Total credit Limit was {$7400.00} on said card. This was probably a cousin of mines account who forgot to remove me as an authorized user as I haven't seen that card In years. I called XXXX to remove myself from the account they told me I needed the last 4 digits of the card # which I do not know.

All I want to do Is either be told the last 4 digits so I can take the right steps to have myself removed as an authorized user through XXXX XXXX. This was reported from Equifax. I can be reached on my personal cell if any questions. My number is XXXX or XXXX. 

When I gave my social to XXXX XXXX they only had my actual cards on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX  account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This incorrect reporting of lates is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2019-10-10 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:
XXXX ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This incorrect reporting of lates is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2019-10-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Have called Sychrony Bank several times regarding my account was issued a bank card in XX/XX/XXXX that I applied for was issued the card was not able to use the card because I was told I had to prove my identity 4 days after applying for the account it was reported on my XXXX   then XXXX  and XXXX credit report so I mailed out ID and prof of address by priority mail. I keep calling to ask have they received mail and I get no answer XXXX from the fraud department says the process can take up to 30 days to be resolved so my question is why report this to my credit report if I can not use the card or if you did not think I was the person that applied for cards. As big as this bank is i think there should be a safer way to identify a person which they sent a text message to my phone number on my credit report I also have locks and pay for credit monitoring on all 3 of my reports but that was good enough so they asked me to MAIL my identify to them which i think is unsafe and puts me at risk for identity theft. Who sent it ... 
XXXX XXXX ( Sender 's street address omitted intentionally from this email ) XXXX, GA XXXX Who will receive it ... 
SYNCHRONY BANK XXXX XXXX ( Recipient XXXX XXXX address omitted intentionally from this email ) XXXX, OH XXXX US Sat XX/XX/2019 XXXX XXXX Who is carrying it ... 
The XXXX XXXX # XXXX XXXX Carrier detail ... 
USPS Priority Mail Tracking details ... 
Tracking No. : XXXX Shipment ID : XXXX Order / Item # : -- Reference # : -- Ship date Wednesday, XX/XX/2019 Delivery date ... 
Sat XX/XX/2019 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 2019-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK
State: TX

Complaint narrative:
Made a payment through XXXX and later disputed it with Discover. On XXXX, the claim is showing as CLOSED IN MY FAVOUR but on Discover, the claim is showing as ruled in merchant 's favor. I've shown Discover all of the necessary documentation and they are still refusing to give back the disputed amount ( > {$300.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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: GA

Complaint narrative:
I opened amex gold card because of XXXX welcome bonus advertisements. 
when I received it, I confirmed XXXX welcome bonus and all requirements. 
I spent more than {$3000.00} as required. and amex said I am not eligible to get welcome bonus. 
if they gon na give or not situation, they should not advertised for welcome bonus. 
their advertisements shows anyone who can get this card will get welcome bonus as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
They are contacting family members when they have my contact information and no that I do not live and reside at that address and phone number. The person calling is XXXX XXXX, acts specialist from Chase Pk services. Phone:XXXX XXXX XXXX, ext XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-10 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: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
My XXXX credit report incorrectly lists an open auto loan with a balance from American Honda Finance. I sent a dispute with XXXX who contacted American Honda Finance who informed them the information was correct and no changes were completed. I contacted American Honda and they told me that that account was closed with XXXX balance. I contacted XXXX and they told me that American Honda reported the account was still open and there is a balance. Both companies are blaming the other for the mistake yet no one will remove this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I purchased an item on XX/XX/XXXX, and used paypal 's services to purchase the item. The seller cancelled the sale, however, Paypal hasn't release the refund. I have reached out to Paypals customer service on mulitiple occasions and also filed a dispute. I received confirmation that the funds can be withdrawn, see attachments ; however, they still have not released the funds back to my paypal account to be released. It has been longer than the release date anticipated. 

Amount {$630.00} Paypal Transaction ID XXXX The cancellation number XXXX. Order cancelled on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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: CITIBANK, N.A.
State: WA

Complaint narrative:
On XX/XX/2019 I purchased a plane ticket for 2 friends and myself with my citi card. 
The amounts totaled {$2200.00} ( 3 tickets ), and {$210.00} ( 3 seat assignment ). 
On XX/XX/2019, the airline I purchased from ( XXXX XXXX XXXX ), went " insolvent '' and bankrupt. All XXXX XXXX flights were cancelled and the website immediately went down, there was no customer service available. 

I called Citi credit card services XX/XX/2019 to let them know what happened and to find out what my options were. I was told, even though the airline I purchased from went bankrupt, that because my flights were through a sister airline ( XXXX  ) that I shouldn't do a dispute until my flight/booking was cancelled. 
I have spent the last 3 weeks struggling to get verification that my booking was cancelled, and was finally informed XX/XX/2019 that it was and that I no longer had a flight. 
I can not request a refund through XXXX XXXX because they no longer exist and my flight was not " ATOL Protected ''. 

I started the dispute process with Citi yesterday XX/XX/2019, only to be told that it could take up to 45 days for an answer, and there was no guarantee I'd get any money back from anyone. 
The rest of my holiday is booked and set to begin XX/XX/2019, so I have 62 days to purchase a new flight for 3 people, when I've already spent {$2500.00} that I may never get back through no fault of my own. 

I should have started it as soon as the airline I purchased from went insolvent, but my card company told me not to. Now I am 3 weeks further behind. 
I have been a Citi customer in good standing for years. 
This situation is a very unique reason for a dispute ( Airline bankruptcy ). I have also never filed a dispute over any charges and use my Citi card daily.

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 2019-10-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
To Whom It May Concern, On XX/XX/XXXX I was on my XXXX XXXX noticed my score had dropped from an account I was an authorized user on a citi card which was opened XX/XX/XXXX. Total credit Limit was {$7400.00} on said card. This was probably a cousin of mines account who forgot to remove me as an authorized user as I haven't seen that card In years. I called citi to remove myself from the account they told me I needed the last 4 digits of the card # which I do not know.

All I want to do Is either be told the last 4 digits so I can take the right steps to have myself removed as an authorized user through citi cards. This was reported from XXXX. I can be reached on my personal cell if any questions. My number is XXXX or XXXX. 

When I gave my social to citi cards they only had my actual cards on file.

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 2019-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
I have sent two verification letters to collector requesting verify the debt. Fair Debt Collection Practices Act ( section 1692c ) and Rules of the City of New York ( section 5-77 ) require that you honor this request. Your cooperation will be appreciated.The first time was in XX/XX/2019. The collection did not respond, only updated my credit report withthe remark : " Account information disputed by consumer ''. The second time was in XX/XX/2019 and I have not gotten an answer yet. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.

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 2019-10-10 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: VA

Complaint narrative:
I recently had 4 30-day late payments on my credit report. I have email confirmation when payment was sent but yet XXXX still wont correct said error. Each email contains a tracking number to track when payment was sent. In fact, I had one for the month of XXXX and payment was submitted ON TIME. XXXX reports XXXX payment as on time and payment is not due yet.

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