hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2017-09-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (TX)

Complaint:
I am a victim of identity theft. This dispute is about a checking and savings account at Chase. I have two previous complaints against JPMorgan Chase bank. These complaints were in reference to a credit card opened as a result of fraud. XXXX from the Chase executive office reached out to me and told me that Chase was holding me liable for the credit card because I had been inside of a branch of showed ID. Upon disputing that with XXXX I asked him to get me the location of the branch and the name of the branch manager so that I may visit that branch and show ID and prove that it was not me that went inside this branch. XXXX called me back and told me that upon doing further research Chase found that I had not been inside of a branch after all and they they were opening up the investigation again. XXXX told me that Chase opened a checking and savings account in my name and that I needed to dispute the checking and savings account before the credit card account could be removed. I submitted the documents Chase asked for. Please note that I have attached the police report number but I was not given a copy of the report so I am attaching what I was given. In addition to the affidavit from Chase I am attaching a copy of the FTC affidavit of identity theft, a copy of my photo ID and a copy of the lease from the apartment I was living in during the entire life cycle of this account which is not the address Chase sent credit/debit cards and or checks to. XXXX told me on the phone that he asked the credit bureau department at Chase to update my credit report to temporarily remove the negative reporting while the investigation was completed, however as of XXXX that has not been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Reliant Capital Solutions, LLC (AZ)

Complaint:
I have student loans with XXXX State University that somehow went to collections when the rest of my loans didn't. I've tried numerous times to contact and speak to someone from XXXX but have had no luck. 

They have sent a balance of {$8500.00} to collections twice. Once with XXXX XXXX XXXX, which I was able to delete off XXXX   and XXXX with the help of XXXX XXXX, but now they sent it to another collections agency Reliant Capital Solutions almost a year later. 

Reliant Capital Solutions has been constantly contacting me over this amount and already sent it to XXXX which dropped my credit score 84 points and causing a huge disruption in my life when i'm trying to buy a house.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-02
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: GOLDMAN SACHS BANK USA (CA)

Complaint:
In XXXX of 2020, my husband lost his job. I called Goldman Sachs in XXXX, to let them know I could not make the payment, and the situation. First point of failure was their operator not offering me protection under CARES ACT for XXXX, since that when the hardship occurred. Instead she let me know I was approved and to call next month if needed. She also failed to let me know, that XXXX payment was still due during this call due to NSF ( again knowing my situation I explained, she failed twice ). I called in XXXX again to ask for deferment of XXXX payment- again they failed to let me know XXXX was due, and was approved for XXXX deferment. In XXXX I noticed I was reported 30 days late for XXXX payment, I was confused as I had called them directly to ask for help under CARE ACT, I called twice in XXXX to specifically asked for BOTH my calls to be reviewed as I let them know under CRA they are required to let me know I was past due for March- and I was not notified. Also, if I miss a payment y 1 day, I start getting calls and e-mails, I didn't receive any and I have phone records to prove this. Both time they " investigated '' they failed to let me know outcome of call review, and let me know they reported me correctly. 2 issues here, I was misled to think I was on time and approved on payment under cares ACT when in fact XXXX was not approved hence the calls and emails should been sent to me for XXXX. Also, since I explained my situation occurred in XXXX, why was protection not offered to me for XXXX as well? I have immaculate payment history with them, and given the current environment we are in, they have not impacted my credit and ability to refinance my home for a lower rate to help pay my mortgage. This has placed me in immense financial hardship, and they failed to properly guide me, and notify me and further provide me with the opportunity to make XXXX payment. Im requesting frothy review of their process as it pertain to those asking for protection under CARES ACT and not mislead other consumers into thinking they are up to date on payment and/or approved for deferent when they are not, and it happened to me. I also formally request for this 30 day late to be removed as it was done so unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
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: KEYSTONE EQUIPMENT FINANCE CORP. (GA)

Complaint:
On XX/XX/2022, I received an alert of a hard inquiry pull on my credit report from Keystone Equipment Finance Corp . I called the company number, and I spoke to their XXXX XXXX, XXXX XXXX, who notified me that my ex-husband reached out to them asking if he can apply for financing for a truck for his logistics business. Previously, when we were married, my ex-husband financed a truck through the company and used me as a guarantor. He has since paid that truck off. General counsel explained to me that since the company had his previous application on file, they could expedite the financing process. The company nor my my ex-husband asked for my consent to be a guarantor again and ran my credit without my permission. Our divorce has been finalized since XX/XX/2022, so there should have been no reason for my name to be on this new application. Additionally, XXXX XXXX also informed me that my ex-husband forged my signature on the new application. I am requesting an investigation into this matter and the removal of this hard inquiry from my credit report. XXXX told me that he removed me as a guarantor on the new application and made a note in the file. I have also asked him several times for a copy of the application with my forged signature, which I have yet to receive.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (VA)

Complaint:
I had a XXXX credit card with a promotion to pay no interest for a year. In XXXX I decided to pay it off, so I paid the account off in full, based on the statement balance on XX/XX/21. 

I had a {$29.00} returned check fee and a {$2.00} charge for interest on XX/XX/21, that didnt appear until my XXXX statement, because I thought it was paid off, so I did not look at the statement since it would have been XXXX. That statement had the returned check fee from XXXX. They then sent another statement for XXXX, and I opened that because I wondered why I was still being sent statements with a XXXX balance. That is when I realized that when I changed bank accounts, the timing must have conflicted with the auto-draft, and that is why the returned check happened. 

I paid well in advance of the total balance on XX/XX/21 that is due in XXXX to fulfill the advertised promotion of no interest for a year, so I feel I was taken advantage of by confusing advertising and then XXXX late charge showing up in a XXXX statement, so I called to see if they would reverse it and they would not. Trying to establish credit with banks that prey on younger customers that are not as financially savvy. I escalated the call twice and they kept quoting policy instead of working with me since I paid so much off early. I feel this bank is only concerned about their profits and not doing the right thing. I am learning the interest free advertising is deceptive, not fair and an easy trap with loopholes so they can make a lot of money in fees, even when the customer is trying to do the right thing. This bank obviously built this product to prey on customers through multiple ways to get more fees and interest through the lifecycle of the promotion. It is not designed to help customers finances, but is designed to charge extra fees. I called XXXX XXXX when a payment did not go through when I changed bank accounts ( same time as the above ), and they gladly refunded me the fees without any hassle. 

Although I will hit many feedback sites with my warning about XXXX and Comenity based on their confusing and deceptive advertising and non-caring customer service, I am asking the Bureau to investigate this product and the amount of fees that customers are being charged to determine if this is a legitimate product to help consumers, of if it is a deception that preys on lower FICO customers in order to charge extra fees and that only put lower-income folks in financial trouble especially when job losses due to COVID probably cause most of the issues with repayment, like in my situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-27
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. (SC)

Complaint:
Some of these accounts I did not open, I'm not sure how they were opened without my consent. Some of these accounts need to be validated ; I believe they are not accurate. 

These are the accounts that's listed on my credit report. XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX Bank XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX. 

These are all the hard inquiries I didn't authorize to be ran 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 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 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 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 I did some research and found out that all credit reporting bureaus must be accurate with reporting on all 3 bureaus. In accordance with Fair Credit Act these companies listed has violated my rights. 15 U.S.C. 1681 Section 602 A states I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2. It also states a consumer reporting Agency can not furnish an account without my written consent. These are the hard inquiries listed. Not enough room on report to list all inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Some of the accounts have different reporting information on different bureaus, meaning all information across all XXXX bureaus must match. Numerous error'sI have found on these accounts. I have attached a complete copy of my most recent updated credit 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 non-monetary relief
Consumer complaint received 2021-02-06
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. (IL)

Complaint:
There are a number of inaccuracies on my credit report as a result of fraud. I have filed 2 different FTC Identity Theft reports and have forwarded them to all 3 credit bureaus, but the information remains on my credit report. My brother 's name, XXXX XXXX, is/was also listed on my credit report ( s ) at some point, though it seems to have been removed at this point. The fraudulent accounts listed are : XXXX XXXX ( {$2300.00} ) and XXXX ( {$180.00} ). The fraudulent inquiries are : XXXX, XXXX XXXX, XXXX/XXXX, XXXX, XXXXXXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXXXXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP (CA)

Complaint:
There is a missing payroll check that the IRS is seeking-I am wondering if I cashed it because it's not on a statement. I get no response to calls and emails. My contact is 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 2022-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NJ)

Complaint:
On XX/XX/XXXX, I paid off my entire credit card balance. This was XXXX day before the due date. XX/XX/XXXX is the due date for the balance. On XX/XX/XXXX, Comenity Bank charged me {$19.00} for a finance charge. I don't think this makes sense because I had already paid my entire balance on XX/XX/XXXX. How can they charge me interest on a {$0.00} balance?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
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. (NV)

Complaint:
I received the outcome of my investigation. XXXX could not validate any findings with XXXX XXXX and XXXX XXXX so the accounts were deleted off my consumer report, however XXXX has verified it without a FCRA investigation according to the law. If XXXX can not verify how is it possible that XXXX can. This account is not being reported XXXX percent accurate therefore needs to be removed. I have requested a method of verification and in return I received nothing,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Complaint:
After 10 months of having my accounts with bank of america, they have decided to close all of my accounts and not give me any reason at all for the closures, nor are they willing to let me speak to anyone regarding the reason for my closure. My personal accounts are all with a positive balance and are in good standing at the time that the bank has made a decision to close my accounts. I feel like I am being discriminated against because I am of XXXX decent and the fact that nobody will tell me why this is happening in the first place is completely unfair to me. I have done everything I can to keep my accounts with a positive balance and in good standing and all of a sudden today, I go to make a cash deposit to my account to find out that my cards were all blocked. 

The only thing I can think of would be because I have made several claims on my accounts over the last 10 months for people double charging my account or taking money out without my authorization, but yet it seems like I am to blame for their actions. In fact I have won all of my claims that the bank has reviewed because i was correct with filing those claims at the time they were done. The last claim that was filed under my business account was an ach claim for XXXX prematurely taking out monthly service charges from my account without my authorization because my application with them was never completed. A third party had pushed the application through to them without my final approval and so I started to get billed by them without even knowing it. How is that my fault? It is not, which is why I had filed that claim in the first place. Also XXXX agreed to refund my money for these transactions and they never did, so I filed a claim. Does this warrant a closure of all of my accounts with BofA I think not? Does this mean that I am a risky client because of other people 's actions on my account? I think not as well. So, why would you just decide, out of the blue and when all of my accounts are in good standing with normal day to day transactions, for you to just decide to close all of my accounts? Also, I am 3000 miles away visiting family in Virginia and now I can not have any access to any of my money due to this closure. I have been placed in a very bad situation now because of this and I am clear across the United States with no access to any of my money because of this decision to close my accounts with you. And the simple fact that you can't even give me the courtesy of telling why is yet another issue here. Therefore, I am led to believe that you are discriminating against me due to this premature decision to close and lock my accounts up when I have been doing nothing wrong with my accounts for you to come to this decision in the first place.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-29
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: EQUIFAX, INC. (VA)

Complaint:
XXXX XX/XX/XXXX - XXXX XX/XX/XXXX XXXX XXXX have inquiried hard pull in from my credit report with out my authorization and it's affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
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. (OR)

Complaint:
To whom this may concern, I contacted XXXX XXXX XXXX XXXX over 60 days ago when I noted a suspicious mark on my credit report. I tried to communicate with the collection company and asked for written verification of the debt. There are two major issues. One, the debt does not exist. Two, I have a recorded phone call the day I cancelled my account. The company who sent my account to collections continued to collect weeks after my account was closed. A search on both here and XXXX would show numerous complaints similar to mine. No written verification was ever sent to me. Under FCRA this debt is now listed illegally and unverified. My records also show this debt as invalid. Since I've received no remedy from Transunion, XXXX  or XXXX and no willing participation from the company collecting this debt, I will be filing in small claims to resolve this matter. I will be collecting under the governing laws you have broken. 

This letter is a last attempt to correct this matter before taking this matter further. 

Sincerely, 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 2021-04-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (NY)

Complaint:
I had a collections account opened under my name for XXXX car insurance that I never had. Also there was previous debt in collections with XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (TX)

Complaint:
XXXX XXXX purchased " debt '' without my permission from XXXX XXXX TX. I did not give permission for the company to do so. I have requested they they cease communication, alongside XXXX XXXX ( which was very abusive and harassing ). They continue to call and email me. 

I did not give permission for XXXX XXXX to purchase any " debt '' or represent me. I am the consumer and original creditor and do not owe. They have also been trying to pursue this for more than 180 days, and should cease trying to do so. 

In violation of USC 15 1602. I could list more if needed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
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. (GA)

Complaint:
I have disputed inquiries on my credit report, however the companies and credit bureau continue to report these unauthorized inquiries

Company response to consumer: Closed with explanation