hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2018-06-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (GA)

Complaint:
I received an offer from chase Bank for a reward of {$300.00} if I switch my checking account to them. Based on this offer I closed my account with my previous bank and opened an account with Chase Bank Bank on XX/XX/XXXX and also had my direct deposit made to this account within 60 days as part of the offer agreement. The other requirement was a minimum of {$50.00} in the account. I complied with all the requirements.

I suddenly received a letter from chase some in XX/XX/XXXX that my account was going to be closed on XX/XX/XXXX for undisclosed reasons. Note that I still had my direct deposit into this account and as at the time of closure there was a balance over {$50.00} in the account.

The account was closed unceremoniously and my balance is yet to be sent to me as should any reputable should.

This is clearly a switch and bait strategy by CHASE BANK. I therefore demand that I be compensated for the injury I have suffered from closing my previous account and then having this closed shortly after I had opened. it.

2. CHASE BANK and all other banks engaging in this unwholesome practice should be stopped from continuing this unfair strategy. If there was a problem with my account why was it opened at all? Everything was verified before it was opened by one XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
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. (NM)

Complaint:
On XX/XX/2019 I disputed with a factual error from my credit an account with XXXX  / XXXX XXXX it came back verified, how can this be if the creditor in dispute sent me a letter of which I will attach with this claim saying that they no longer have this account. So if the creditor in dispute does not have the account why it came back verified, I demand that TRANSUNION to provide me with the method of verification according to section 611 of the FCRA or delete this account immediately.

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 2023-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

Complaint:
On XX/XX/2022, I saw 3 fraudulent transactions on my banking app totaling an amount of {$360.00}. I reported them right away to my bank and they locked my card and sent out a new one. When these purchases were made, I was in possession of my physical card, but the transactions made were via XXXX XXXX and were in-person transactions. I filed a claim with the bank to get that money back since those purchases were not made by me. They denied my claim, stating that the purchases were made in my direct vicinity, using my card, and can not be disputed. I then took screen-shots of the transaction history on my XXXX XXXX showing that although the fraudulent purchases showed up on my banking app, they were not on my XXXX XXXX  transaction history because the purchases were never made using my device. Someone else added my card to their XXXX XXXX  and made in-person transactions from their phone. I re-submitted the claim after denial with supporting evidence of the screenshots of my XXXX XXXX  just to have them deny it again and tell me to get into contact with the merchants. I contacted the merchants, and was given information about the transactions such as transaction IDs and register numbers, and was advised to file a police report. Once I filed the police report, the detective in charge found XXXX footage of the exact register number and at the same time, the transactions showed up on my banking app. The suspect was a male and I am female. There is no way these purchases were made by me. As of now, the investigation is still underway to track down the suspect. I informed the bank of all of this information and was told " once we deny a claim, it is unlikely for us to look at further comments on that claim '', basically telling me to forget about the {$360.00} that I didn't spend. All of this happened over the course of 3 months, and I have made multiple phone calls to the bank, detectives, and merchants. The bank has given me the run-around since day 1 and refuses to listen. I now have to file a complaint with this bank, because this is the 3rd card that has been compromised from the same bank. I have had 2 additional credit cards, between my husband and I, from the same bank with fraudulent charges that have had to be locked and replaced and it was very inconvenient.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
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. (GA)

Complaint:
After sending information to verify myself with my disputes XX/XX/XXXX, Equifax has not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. 

ACCOUNTS XXXX XXXXXXXX never late XXXX XXXXXXXX XXXX never late XXXX XXXXXXXX never late/paid in full XXXX XXXX XXXXXXXX not mine XXXX XXXX never late XXXX XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXXXX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX  XXXX {$370.00} not mine XXXXXXXX XXXX  XXXX XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation (OH)

Complaint:
On XX/XX/XXXX I purchased a bike from XXXX XXXX XXXX in california. On XX/XX/XXXX I contacted XXXX  XXXX XXXX and requested a full refund. They told me by email that it would take 24 to 48 business hours to process. Than I got another email saying that it will be 7 to 10 days. I waited than I co tacted netspend and they informed me that they didnt receive the right information to release my funds. So I got what they needed and contacted XXXX  XXXX XXXX. They said we have sent numerous emails and faxs to the company. Finally on XX/XX/XXXX my fiance called netspend and spoke to a supervisor and did a three way call to XXXX XXXX XXXX and had a supervisor on the line ... the netspend people told XXXX  exactly what to do. XXXX said they have done this so many times and will do it one last time. Unfortantley, i received an email that says the documents we received was not an approved document. My fiance called netspend today, 3 weeks later and netspend customer service said the document is being reviewed ... .I ont understand why they just cant contact each other via phone and take care of this matter once and for all.

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 2021-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Complaint:
I have recently started facing an issue with Bank of America placing a very long hold on checks and deposits. Here is a video that goes into detail about the Bank of America Freezing Funds for Small Business Owners. 

https : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX % XXXX XXXX  XXXX 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 2023-05-26
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. (NY)

Complaint:
XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details Paid off - Balance {$270.00} Balance updated XX/XX/XXXX Original balance - Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Utility Payment summary XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX - - XXXX - - XXXX - - XXXX - - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX PAYMENT HISTORY LEGEND Status Collection account. {$270.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$270.00} Original balance - Monthly payment - Additional info Responsibility Individual Terms 1 Month Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE

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 2022-07-06
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: Early Warning Services, LLC (MD)

Complaint:
I received a copy of my consumer report and found the following item ( s ) to be in error : I have never even owned a XXXX XXXX XXXX account '' and I currently am a member of XXXX XXXX not sure why this is showing negatively on here Contributor : XXXX XXXX Contribution Ref # : XXXX Account # : XXXX Bank Routing # : XXXX Incident Date : XX/XX/XXXX Principal Loss : {$100.00} Paid/UnPaid/Settled : Paid Contribution Reason : Account Abuse Bank Routing # : XXXX Account # : XXXX Return Transactions Bank Name : XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed-Purged Previous Account Status : Closed Date of Last Status Change : XX/XX/XXXX Bank Name : XXXX XXXX XXXXXXXX XXXX  Bank Routing XXXX XXXX XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Consumer Removed Date : XX/XX/XXXX Current Account Status : Savings Closed For Cause Bank Name : XXXX XXXXXXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Savings Closed-Purged Previous Account Status : Savings Closed Date of Last Status Change : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account XXXX XXXX XXXX Open Date : XX/XX/XXXX Current Account Status : Savings Post No Debits Bank Name : XXXXXXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Consumer Removed Date : XX/XX/XXXX Current Account Status : Closed-Purged Previous Account Status : Closed Date of Last Status Change : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
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. (CA)

Complaint:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank 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 non-monetary relief
Consumer complaint received 2019-10-29
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC. (TX)

Complaint:
They call every two hours. When I answer the phone, they hang up every time. Had to call the number back to figure out who they were. The calls persist with no recourse for me to make them stop. This is my second complaint about excessively repetitive phone calls. They've been told to stop calling and they refuse.

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 2021-02-24
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. (TX)

Complaint:
I paid my mortgage in full in XX/XX/XXXX and under XXXX the account still shows open with a {$260000.00} balance it also shows a payment in XX/XX/XXXX from when I opened a dispute through XXXX against XXXX  but I have not made a payment since the payoff in XX/XX/XXXX. The Trans Union report shows closed with an outstanding balance of {$260000.00}. The XXXX report shows closed with a {$0.00} balance. When I call XXXX XXXX, also operating as XXXX XXXX, they confirm that the account was paid in full in XX/XX/XXXX and they have closed the account. I have disputed this through the credit agency and I have also called them and tried to get this resolved to no avail.

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 2017-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
i was proofing my annual credit report mail to me there was XXXX hard quiry i know nothing about or authorize i called credit bureau and tried to fix this with live rep for credit bureau live rep stated i need to call the company and ask them to contact us to remove iquirys i call companys all 6 and basically told go pound sand back and transfer till system disconnect

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 2021-05-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (LA)

Complaint:
I entered a consumer credit transaction with COMENITY BANK and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that COMENITY BANK claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. COMENITY BANK has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (TX)

Complaint:
On XX/XX/2021 I was alerted via email by American Express that my credit limit on my AMEX Hilton card had been reduced from {$25000.00} to {$8000.00} which was just above my balance. I was shocked to read the secure message from American Express stating that the adverse action was due to my FICO score being XXXX. I do not have anything negative on my credit reports. I immediately pulled my FICO scores from both XXXX  as well as XXXX. These are true FICO scores. My XXXX  fico score is XXXX. I have attached proof of this to this complaint. I contacted XXXX  and spoke with a supervisor and she also confirmed that there was nothing negative on my credit report. She also stated that XXXX  did not do a soft account review inquiry on XXXX XXXX which is the date American Express states they performed the review that resulted in the credit limit decrease. There is nothing to dispute with XXXX, as the report is 100 percent accurate, including personal information, social security number and address. 

I spoke with multiple reps at American Express and was told that if I paid {$1800.00}, they would restore my Hitlon Amex limit of {$25000.00}. I have no problem with this, however it does not address the issue of American Express stating my credit score is XXXX. 

On XX/XX/XXXX, I used my American Express XXXX XXXX card and immediately received an email from AMEX stating that they had reduced this card from {$35000.00} to {$1000.00}. Of course, the same letter was attached via secure message as with Hilton, referring to the severely inaccurate XXXX FICO score. 
I called a CSR and was told to submit my FICO score via fax and they would consider reinstating my credit limit. 

My concern goes way beyond just restoring my credit limits. I want to know why and how American Express got the false information that my credit score is so low when it is not. The only thing I can think of is that I am an additional cardholder ( authorized user ) on a family member 's AMEX card that has the same last name as mine. I have been an additional card holder for close to 20 years without an issue. This family member is in good standing with AMEX but does have credit issues. They have stated that on THEIR Amex account page, their FICO shows as XXXX. I do not believe this is a coincidence. 
It is my belief that their FICO score was updated to my individual American Express account during an account review of their account. It really is the only explanation. 

I have a job where I have to maintain a good credit score. I take clients to business meeting dinners and would be humiliated to have my credit card declined due to false credit information. I am also preparing to refinance my mortgage. I have been stressed beyond belief and appreciate your help with this. I would like to use my American Express card with confidence again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-22
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. (PA)

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items as soon XXXX possible.

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 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BSI Financial Holdings, Inc. (NJ)

Complaint:
Dear XXXX, Thank you for your attached response letter dated XX/XX/2021 to CFPB Complaint # XXXX. 

What is the basis for your advisement as to the Counsel of the Trust, XXXX XXXX XXXX XXXX being : XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Thank you for the information to the link regarding the role of the Trustee. 

The Role of XXXX XXXX XXXX XXXX XXXX XXXX has the following responsibilities : Holds an interest in the mortgage loans for the benefit of Investors Does not initiate, nor has any discretion or authority in the foreclosure process Does not have responsibility for overseeing mortgage Servicers Does not mediate between the Servicer ( s ) and Investors in securitization deals Does not manage or maintain properties in foreclosure Is not responsible for the approval of any loan modifications All Trustees for XXXX transactions, including XXXX, have no advance knowledge of when a mortgage loan has defaulted. Trustees on XXXX transactions, while named on the mortgage and on legal foreclosure documents, are not involved in the foreclosure process The Trustee does not have an economic or beneficial interest in the loans and has no authority to manage or otherwise take action on the loans, which is reserved for the XXXXervicer.

The link you provided reads as follows : The Role of the Corporate Trustee As Trustee, XXXX has the following responsibilities : Holds an interest in the mortgage loans for the benefit of Investors Does not initiate, nor has any discretion or authority in the foreclosure process Does not have responsibility for overseeing mortgage Servicers Does not mediate between the Servicer ( s ) and Investors in securitization deals Does not manage or maintain properties in foreclosure Is not responsible for the approval of any loan modifications All Trustees for XXXX transactions, including XXXX, have no advance knowledge of when a mortgage loan has defaulted. Trustees on XXXX transactions, while named on the mortgage and on legal foreclosure documents, are not involved in the foreclosure process The Trustee does not have an economic or beneficial interest in the loans and has no authority to manage or otherwise take action on the loans, which is reserved for the Servicer. 

What authority if any does XXXX, D/B/A XXXX not in its Individual Capacity But Solely as Trustee for the XXXX XXXX XXXX XXXX have under the Trust Agreement. 

Please advise. 


Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Holloway Credit Solutions (AL)

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, in fact exists.

Company response to consumer: Closed with explanation