hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-02-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (IL)

Complaint:
I tried to close my bank account with chase bank. I initially tried to do it via customer service, but was told I had to speak to someone at the branch. 

Seeing that They offer remote services through their website to schedule an appointment for service due to covid-19 concerns, i scheduled my appointment. 

Upon requesting to cancel my account, i was told it was the " only '' service they don't offer over the phone. If I wanted to cancel i had to come in person. This was XX/XX/2020 at XXXX. 

When I attempted to go to the branch to cancel in person, they seemed willing to help, until I mentioned I wanted to cancel an account. Then it was by " appointment only '' with no appointments available without me taking time off work. 

Meanwhile, despite making it imposible for me to cancel my account, they will still charge me fees for it. 

By making the process so onerous they guarantee that I'll continue paying them fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
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. (FL)

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (OH)

Complaint:
XX/XX/XXXX. {$55.00} to XXXX XXXX XXXX, Ohio. I am currently living in a hotel where I pay $ XXXX. For this week, the hotel overcharged me {$55.00}. I made XXXX payments. XXXX for {$160.00}, ( XX/XX/XXXX ), and the other for {$180.00}, ( XX/XX/XXXX ), totaling my $ XXXX total. I was then charged an additional {$55.00}. I spoke with the hotel about this, and there was a new manager who did not understand the weekly rate that I was receiving. They refused to refund the charge. I disputed the charge with CashApp, and they denied the claim, despite approving another claim for the same issue in the amount of {$10.00} from XX/XX/XXXX. 
I did try attaching photos of the charges and the dispute, but the website keeps freezing and I can not attach them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: LOAN TO LEARN (CA)

Complaint:
XXXX has tried XXXX times to take me to court. 
XXXXThe XXXX time was in XXXX where the attorney for them was XXXX XXXX. XXXX XXXX hounded me and violated the FDCPA, and I sent him a cease and desist letter through an attorney. The attorney later left the case citing there was n't enough information to follow through on FDCPA claims ( I later found out I have a phone recording that verifies my statements and shows that the FDCPA was violated ). I went to the courthouse on XXXX/XXXX/XXXX at XXXX XXXX to no other parties and was told that the case was dismissed. 
XXXXThe XXXX time was in XXXX and the case number is XXXX. This was in XXXX after not following through with the lawsuit in XXXX, where I have stayed since XXXX. I was told by my father that a sherrif attempted to serve me papers at my parents house in XXXX of XXXX, my father told him that I do n't live in XXXX and the sherrif truned around and left. This time I recieved no notice in the mail about this lawsuit, aside from letters offering me representation from XXXX. When I called the letters back, I was told that since I live in XXXX, I ca n't be represented by them because they are in XXXX. 
XXXX XXXX of XXXX I recieve another letter in the mail from a lawyer offering me representation concerning a case against me. I was told a lawsuit was filed yet again by XXXX, but I had n't recieved anything in the mail. I look the case up ( again only off of information from mail that could be considered an ad ), and see the the hearing is scheduled for XXXX of XXXX. I start seeking representation to surmount a defense against this predatory lender, and while in the middle of this I recieve a letter on XXXX XXXX, XXXX saying that a judgement has been entered against me. 
1. I was n't properly served papers at my house for the most recent case, despite recieving the notice for the other case at my house from the same lender two years ago. 
2. This lender has used collectors that violate the FDCPA and have harrased me for years. 
3. The co-borrower is my mother, who passed away in XXXX. While my mother 's estate was being settled, my father and I recieved an offer from XXXX to settle the loan for {$7000.00}. When we were willing to take the offer, XXXX pulled the offer back after having adknowledged the fact that they initiated the settlement talks. This led to my father saying he will not help me with my student loans and XXXX starting these predatory tactics. 
I do not have the money to settle this matter, nor do I make enough the satisy the minimum payment. Everytime I speak to them and tell them my finances, I am told that I am lying about my finances and that I am living in poverty. If I am in poverty and I am telling you this, how am I lying? 
I do plan on paying these loans back, however I am not able to at the time. The job market is rough and dealing with these lenders are preventing me from devoting my energies on finding a job.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
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. (NY)

Complaint:
I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
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: ACIMA CREDIT, LLC (PA)

Complaint:
UPDATE TO CLAIM # XXXX ACIMA is in WILLFULL NONCOMPLAINCE AND NEGLECTION OF THEIR DUTIES AS A FINANCIAL INSTUTIONS IN ACCORDANCE WITH 15 USC 6802-6804  ACIMA has failed to perform under its obligation as a financial institution under 15 USC 6802- 15 USC 6804. Company DID NOT follow proper procedure to ensure safety of my nonpublic information and has not disclose to me and has not given me any explanation or opportunity to exercise my RIGHT under 15 USC 6802b ( B ) ( C ) and continues to report my non public information to a non affiliated party ( XXXX ) despite my instructions to cease such actions. ACIMA DID NOT PROVIDE EXPLINATION OF MY RIGHTS AND HAS DID NOT NOT GIVE ME THE OPPORTUNITY TO EXERCISE MY RIGHTS TO DIRECT MY NONPUBLIC INFORMATION BEING REPORTED AND INSTEAD LEAD ME TO BELIVE THAT MY INFORMATION MUST BE REPORTED TO THE CREDIT REPORTING AGENCIES NOT GIVING ME THE OPTION TO OPT OUT AS REQUIRED BY FCRA LAW. I am trying to resolve this matter once and for all and move on but ACIMA INSISTS TO CONTINUE IN BAD FAITH AND CONTINUES TO VIOLATE ITS OBLIGATIONS UNDER THE FCRA AND VIOLATE ME AS THE CONSUMER AND MY INSTRUCTIONS. I SIMPLY ASKMFOR MY INFORMATION TO STOP BEING REPORTED AS THEY ARE NOT OBLIGATED BY ANY LAW TO REPORT SO BUT ARE IN FACT OBLIGATED TO GIVE THE CONSUMER AWARENESS OF A CHOICE WHICH WAS NOT GIVEN IN GOOD FAITH.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
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: Orion Portfolio Services, LLC (MA)

Complaint:
The creditor ORION PORTFOLIO SERVICES has agreed to delete the account XXXX XXXX XXXX but it is still showing on my credit report. They also said that they have contacted the original creditor so that they can delete the account from my credit report. XXXX, XXXX and XXXX  have not deleted the account from my credit report. Please delete the account, I am including their response from my previous complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Complaint:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Complaint:
Several accounts on my credit report are fragluent and should be removed immediately. I have completed several documents to provide support for my claim. I provided the FTC to show that these accounts don't belong to me and then I also completed CFPB that received no response. According to the law to protect consumers, after the investigation the documents are supposed to be provided to the consumer, me. The accounts in question are XXXX XXXX and XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. First off the results of the investigation were never shared with me. Secondly the production of a wet signature was provided. 

The claims that were not responded to with document are as follows : XXXX & XXXX American thrift & finance XXXX & XXXX XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX Attached are documents to support my claim

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 2019-10-09
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. (NC)

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX To : XXXX/Experian & Attorney General/Consumer FinanceXXXX. 

RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B Again, I am in receipt of a credit file that indicates more fraudulent activity, in the form of Collection Agencies demanding that I pay them monies for accounts that I have never engaged in setting up! Also, there are credit account inquiries on my reports that shows applications for credit that I have not engaged in and should be immediately removed without prejudice! 

I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft in 2018 The affected accounts are listed below. 

XXXX XXXX XXXX IN ACCT : XXXX AMT :  {$650.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FOR XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX XXXX, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, XXXX and Experian, However, XXXX ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX and Experian all seem to gloss over my request with pleasure. 
This is again a demand to remove such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX Enclosures : XX/XX/XXXX 2019

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 2015-04-29
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Resurgence Legal Group, PC (CA)

Complaint:
I has a credit card through XXXX XXXX and I maintained payments until XXXX XXXX raised the interest rates from 6 to 19 % to no fault of my own. The bank did not want to lower the interest rate. At that time my work slow down and I could no longer made payments. 
Then I started getting calls from a collection agency and subsequently an attorney began calling to collect on the wells fargo account. The attorney filed a judgment and then levied my bank account. 
When I pulled my credit I saw that wells Fargo had charged off my collection. But the attorney 's still wants to collect. 
I do n't understand about these legal issues however I can see that the attorney is trying to collect money that is not owed to them. 
I am in desperate need of your assistance. 

Sincerely, XXXX XXXX ( XXXX ) XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Dealer Finance of Western Kentucky (TN)

Complaint:
On XX/XX/20 I called to make a payment on my car. I asked for the pay-off amount and they said XXXX. So, I made a regular monthly payment of XXXX on today. I asked why do I still owe so much. They said I was being charged 5 % after my due date which in on the 5th of each month. My loan was sold to this company two years ago without my knowing. In addition, the former loan company and the new company never bothered to let me now in writing of the change. If I was made aware I would have paid the extra fee to have my due date changed. I would have also made sure to pay by the 5th or change the due date to avoid the 5 % unknown fees they charge each day after the 5th. 

I even let Dealer of XXXX XXXX XXXX Kentucky know that I even called the company that sold my account to them to ask them why did they sale my account, because I was on time and getting the payment down. Each month for two years, I called to Dealer Finance of Western Kentucky to make a payment and they never told me about any fees or how high the fees was each month. Basically, they never informed me or made me aware that the XXXX payment was not being all included in my monthly payment. I being robbed. This company is staying in business by conducting bad business surviving off late fees that clients may not be aware of. They should be investigated. I had a remainder balance of XXXX last year and after 12 payment I owe XXXX as of today. Somebody help! 

When I asked for a copy of my account and the history they were hesitated about it. I asked the XXXX XXXX why was I never informed, isn't the goal to better inform the clients of services and products. 

I also never agreed to be contacted by their automated dialer from XXXX XXXX. This is mainly because I was never been informed my account was sold and bought. The Company never sent anything in regards to my account number, in which I am unaware of what it is. Moreso, the loan number, I am unaware of what that is also. I never received a payment book, email of any payment transaction or by mail. The company never kept me abreast in any outlet to know any account details. 

The XXXX XXXX made the comment you can contact someone about it, since I did not like the way they were doing business. I told him, I will do just that. 

I. I was never informed that my account was sold II. The new company claims they wrote me, but I never was informed of the Dealer Finance of Western Kentucky until they called me about my payment. 
III. No access to view account details online IV. They charge a $ XXXX service fee for payment over the phone ; although there is no other method to avoid the high fee. 
V. Charges a 5 % fee for each day after the 5th of the month ( which is my due date )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
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. (NY)

Complaint:
This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX  XX/XX/2022

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 2018-11-23
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (OH)

Complaint:
I disputed these medical collections XXXX and XXXX XXXX   in XX/XX/2018 and XX/XX/2018 and they came back with my personal information including my test results. I did not give the hospital permission to release my personal information such as specific treatment and etc outside or basic collecting information. Which is a HIPAA violation and a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
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: OneMain Finance Corporation (TX)

Complaint:
One Main Financial improperly used my credit information from XXXX XXXX and placed a hard inquiry on my credit report for a loan I didn't apply for. I reported this fraudulent attempt to XXXX XXXX who never contacted me. I opened a dispute with One Main Financial which hasn't been resolved. I have frozen my credit accounts and need the hard inquiries removed from my XXXX and XXXX accounts.

One Main requested additional identifying information for the fraud dispute and then used my personal information to process and decline the fraudulent loan application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-23
Product: Credit card or prepaid card — Store credit 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: Paypal Holdings, Inc (NC)

Complaint:
PayPal , Inc. does not send the refund payments that are sent to PayPal by merchants to PayPal CreditXXXX XXXX in a timely manner. 

This causes the customer/consumer to file a " dispute '' not knowing that PayPal , Inc . 
actually has received the merchant refund credit but has not forwarded the refund/credit paid by the merchant to PayPal Credit or XXXX XXXX  XXXX 

This causes a lot of headaches. I simply hate/despise using PayPal, Inc./PayPal Credit because of all of the confusion and miscommunications. It is simply horrible. 

XXXX XXXX has sent PayPal, Inc. a number of refunds/merchant credits that have not been forwarded to PayPal Credit . Not knowing this, I have had to filed disputes unnecessarily. 

XXXX refunded PayPal, Inc. the total refund for order placed on XX/XX/2023 but PayPal , Inc. has not notified PayPal Credit and a dispute was created. 

Also XXXX had refunded PayPal, Inc. almost {$120.00} on an order of {$170.00} made XX/XX/2023. I did a dispute. 

This process with PayPal , Inc. is horrible, inefficient, does not communicate with PayPal Credit, and is not worth the time, energy, and headache..

PayPal 's lack of record keeping and working with PayPal Credit causes the consumer to be upset with the merchant and PayPal Credit needle
ssly when it is the fault of PayPal , Inc. itself. 

If I was XXXX XXXX I would stop doing any business with PayPal as it causes too much conflict.

When PayPal , Inc. was simply PayPal, things were much better.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
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. (GA)

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2023-08-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc. (CA)

Complaint:
AWA CollectionsXXXX XXXX XXXX reported two separate Collections on XX/XX/ amounting to {$920.00} and {$1300.00} both of which have been reported as Identity theft to the police department and the FTC.

Company response to consumer: Closed with explanation