hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-04-13
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: EQUIFAX, INC. (CO)

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CHECK INTO CASH INC. (AZ)

Complaint:
I received a phone call from a company named XXXX XXXX. When I answered the call there was a man asking to speak with my wife. I explained that I was her husband and asked how I could help him as my wife was not home. He told me that there was a check written in 2012 to check into cash for the amount of {$500.00} plus dollars and they where trying to collect. He said we had to pay this money or they would be filing charges on my wife for defrauding a financial institution. I explained that I do n't recall this debt however I do recall having a debt for {$300.00} to check into cash however I have never received any notice about this debt. I asked him to send me proof of this debt and he said no we have been sending letters for the last few years to a prior address. He then said the do n't have to send anything as they have made several attempts to contact. I then told him we do n't have the funds. He said he was transfing me to a supervisor. The supervisor said he would give us two weeks to pay and asked for my credit card info. I gave him the info and he said I would be receiving a XXXX via email and had to sign it and ended the call. I received the XXXX  and signed it. However after the fact I noticed that the email at the top was to a personal XXXX address and became suspicious that this was a scam. I called check into cash and they said our debt was with a collection institution and the amount was for {$300.00} plus dollars. I then called my local law enforcement. They told me to put a stop payment on my card and if they did take any money then they could go after them. So I did. On the day they where to charge. I received a call again from XXXX XXXX they said they tried to collect the payment but where unsuccessful and asked me why. I told them what I had done and the man who never gave me any name said ok we are going to make sure your wife goes to prison and that I was being an XXXX XXXX and hung up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CO)

Complaint:
I opened a checking and a saving account with citibank.com for a XXXX $ bonus. The webpage states How To Earn Your {$600.00} Bonus You must open a new eligible consumer checking and savings account in The Citi Priority Account Package until XX/XX/2018. 
Within 30 days of opening your account deposit {$50000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$5000.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 
Maintain a minimum balance of {$50000.00} in your eligible linked checking and savings account for 60 days. 
Upon completion of the requirements, the {$600.00} bonus will be credited to your new checking account within 90 calendar days. 

I opened the accounts on XX/XX/XXXX and deposited XXXX $ to the saving account and another XXXX $ to the checking account. The money has been with citibank for over six months. I met all the requirements and citi customer service acknowledge that. However, they just kicked the balls and promised dates for me, but never really deposit the bonus.

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 2022-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (OH)

Complaint:
On XX/XX/XXXX, I made my monthly payment for my Chase credit card for roughly {$3500.00}. After making that payment, I enrolled in automatic monthly payments. Chase then deducted XXXX payments from my Checking account for a total of about {$7000.00}. Chase argues this was my liability because I signed up for automatic payments after making my monthly payment. I did not have the funds for XXXX payments at the time, and my bank charged me an Insufficient Funds Fee. 

After contacting Chase, they refused to reimburse me for the Insufficient Funds Fee from my Checking account. Instead they said they would send me a check for the now negative negative balance on my credit card. Therefore, the XXXX payments that posted can not be rectified for their system mistakingly posting multiple withdrawals to my Checking account and the Insufficient Funds Fee is my liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

Complaint:
XXXX XXXX incorrectly reported to the credit bureaus that my loan payments were late from XXXX through XX/XX/2020. The loan was in forbearance, but the loan was still reported as late. I have called and written XXXX  many times disputing this reporting. They state that it wasn't reported as late, but I've sent a copy of my credit report to XXXX showing this as late. This has caused severe hardships and prevented me from buying a home. 

I have attached the formal dispute letter which was sent to 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 2018-04-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (MD)

Complaint:
On XX/XX/XXXX, I utilized my debit card for several purchases. At the beginning of the day I had {$180.00} in my account of available funds. On XX/XX/XXXX, I utilized {$180.00} in funds which did take me to a negative balance of $ XXXX which I agree to 1 overdraft fee in this case. However, I also had a chiropracter appointment which was sitting in my pending withdraws for {$40.00} which still has not posted today on the XX/XX/XXXX. Because the account is holding those funds they are also overdrafting me for another {$36.00} for a charge that is not posted yet. On top of this, my direct deposit is pending as well for over {$1500.00} between both of my accounts. I do not see how a bank can charge me for an additional overdraft fee when their system has the withdraw still pending and not posted to the account yet. This seem like a scam to get easy money from clients. I tried calling the bank to work this out but because of a dispute earlier in the year which caused due to an unauthorized withdraw which the investigation was in my favor and two other refunds within a 12 month rolling period due to the same situation I am facing today, they will not refund any further funds. Again if the funds are pending withdraw but not posted, how can a bank charge me for this when a deposit is also pending for the same day. I agree to one overdraft charge but not two of them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-16
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. (SC)

Complaint:
This is my XXXX 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 alleged fraud or extortion. 
XXXX XXXX XXXX : {$100.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$690.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Complaint:
I want to dispute a check that wrote to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. That is check # XXXX in the amount of {$95.00} that just cleared. This Complaint involves a switch and bait tactic by this merchant. 
================================= This complaint falls under compliance issues with the Magnuson-warranty Act of 1975 c/o the Federal Trade commission ============================= XXXX XXXX I bought a incinerator garbage disposal from XXXX XXXX for {$94.00} each On XXXX XXXX I called an authorized company to service an Incinerator garbage disposal which i bought from XXXX XXXX on XXXX because of performance issues and poor quality of Galvanized metal at the bottom oft he disposal which accumulated an abnormal quality of rust. Normally, because they are coated with Zinc Oxide this should not have happened. The service rep came out and spend 15 minutes servicing the unit adjusting the bolts. etc. with pliers. The day before, one of their consumer specialists told me that there would be no Problem possible replacing/servicing the unit. 
When the service rep was finished he said he had to charge me {$95.00}. I followed up with the merchant to no avail. If I refused to pay him it would have possible ended up in collections. affecting my credit. 

I just Called my bank- XXXX Bank of America dispute department and spoke with a XXXX. He told me that I could not dispute this because it was a check. However, the day before, i talked with a consumer specialist and was told that the Bank would back me up. It was annotated on my account. 

Could you please escalate this issue for me with Bank of America as soon as possible. 
I feel that this whole episode with the warranty and my Bank has been a bad experience.

BOFA- They were very nasty and abrupt when i followed up and hung up in my face. 
My current contact information is Phone 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 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Complaint:
Date updated inaccurate fcra violation delete account XXXX Date updated inaccurate fcra violation delete account XXXX XXXX  XXXX Date updated inaccurate fcra violation delete account XXXX XXXX XXXX Date updated inaccurate fcra violation delete account XXXX XXXX Date updated inaccurate fcra violation delete account XXXX XXXX Date updated inaccurate fcra violation delete account XXXX XXXX  Date updated inaccurate fcra violation delete account XXXX XXXX Date updated inaccurate fcra violation delete account XXXX XXXX XXXX XXXX  Date updated inaccurate fcra violation delete account XXXX XXXX XXXX Date updated inaccurate fcra violation delete account XXXXXXXX XXXX, XXXX XXXX Date updated inaccurate fcra violation delete account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
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. (FL)

Complaint:
THE ATTACHED INQUIRIES WERE REPORTED AS FRAUDULENT AND ALL 2 REPORTING BUREAUS REFUSE TO REMOVE THEM FROM MY 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 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WV)

Complaint:
Experian is showing that I have a balance on my XXXX credit card, my XXXX credit card, and my XXXX XXXX credit card when in reality all three have been paid off. The XXXX  and XXXX credit cards have been reported as delinquent, but h paid both of them off before they were even reported as delinquent. Im not sure why experian is showing this inaccurate information, but I was never late on either one of those cards.

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 2018-11-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC (WA)

Complaint:
The following company RPM, with provided address XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Washington XXXX with listed phone number ( XXXX ) XXXX has lodged an adverse entry with multiple Credit Report Agencies in the month of XX/XX/2018 regarding disputed bill for {$300.00} by XXXX XXXX XXXX. Even though I have sent a registered letter to RPM during the 30 days of the original notification requesting a detailed statement with the charged expenses, RPM has submitted an adverse filing to all credit bureaus. RPM has  violated my rights by the adverse filing of unvalidated debt with the credit reporting agencies. I am providing all the supporting documents for review, including validation letter request and the registered email receipt, post office notification of delivery and original RPM letter.

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 2022-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Complaint:
On XX/XX/XXXX I submitted a claim with XXXX XXXX XXXX, a partnership with my Bank of America Visa Credit Card. 

I filed a product warranty extension claim with their online site, XXXX ( XXXX ) regarding the defective XXXX XXXX I had purchased in XX/XX/XXXX. The watch was out of the manufacturers initial warranty, however my credit card offered warranty protection/extension. 

I submitted all required documentation and explained my situation to XXXX however they have unfairly denied my claim. The case manager believes that XXXX would not have covered this malfunction with my watch under their normal 1-year warranty. I also called them recently when I received the news my claim was being denied and they said specifically that the claim does not cover water damage. 

XXXX never stated the there was water damage or personal negligence on my part when using the device. 

In fact a major selling point for said device is its water-proofing abilities. It is used to swim, workout, under wet conditions, etc. 

So essentially the claims adjuster is stating they they wont reimburse me the {$370.00} I had to pay XXXX out of warranty, because XXXX believes that the product was water damaged. 

1- XXXX made no claims that the product was water damaged, only that it had malfunctioned and they could not duplicate the issue. 

2- Even if water was the leading culprit for why the watch was malfunctioning, it is still within the scope of XXXX XXXX 1-year warranty. 

Today, XX/XX/XXXX, I have submitted a formal appeal with their company, and emailed it to their main line, XXXX. I have proof that they opened the email as I use software to track whether or not it was opened. 

I am doubtful that they will even respond in a timely manner given the near two months it has taken to form a decision on the first appeal, and have since spent countless hours over the phone with their representatives to further discuss the matter. 

XXXX has unfairly denied my claim, and taken far too long to process the initial claim to begin with. They are discriminating my claim based on an assumption of the facts, and not the facts themselves. 

If a credit card is to offer these sorts of benefits, then they need to be held responsible when their use is requested by the consumer. 

It is is an unfair financial practice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
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: ONEMAIN FINANCE CORPORATION (TX)

Complaint:
XX/XX/2020 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX : XXXX To XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. Per the credit reporting, it states XXXX  account type as derogatory, XXXX   account status as paid, and XXXX  account status as paid, which you are reporting different information between agencies, which makes this account invalid, delete per violation. Secondly, XXXX reporting payment status as collection/charge off, XXXX payment status reporting current, and XXXX  payment status as current, you are reporting different information, which makes this account invalid, delete per violation. Per reporting, you claim this account was paid, by who? what payment type? and where is the original copy of the payment? Please note, do not submit copies of credit card statements or payment history as proof, which is not valid proof and will not hold up in court. 

Per violation, you are reporting different account status and payment status between credit agencies, which is hurting my financial situation and causing me pain and suffering. As a result, I will seek legal action for defamation and according to your reporting, it stats the debt is still showing unpaid, which has hurt my financial situation., which as caused denial for of current and future funding. In addition, if the account was paid, then you have no legal right to still collect on this account. 

Please note, I have enclosed a screenshot of my current credit report as proof. Please review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MI)

Complaint:
Starting in XXXX of XXXX, my now ex-boyfriend stopped paying on our XXXX XXXX credit card, when we broke up in XX/XX/XXXX he said that he was continuing to pay on the card ( he was not ) in XXXX of XXXX, I received a notice that he had filed bankruptcy and went to dig into the status of this account. 

That is when I discovered that it had not been paid on, as he was the primary account holder, XXXX XXXX/Citi Bank never made an attempt to contact me. 

Once I found out, got account access to the account I was able to make the burdensome payment of {$290.00} a month, since XXXX of XXXX. 

Despite that, I have made no progress on the balance. I am being charged a onerous and abusive interest rate of 26.49 %, on top of overlimit charges and late fees. 

Attempts to contact them to find a resolution have been useless, and so I have no choice but to file a complaint with the CFPB. 

This has caused me to be declined for other loans and financial resources that I otherwise would have qualified for, as my other obligations are met on time.

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 2018-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Complaint:
After checking my credit report around XX/XX/XXXX, I found multiple fraudulent credit cards opened in my name, which Capital One was one. I immediately contacted them and was told that they will close the account and start an investigation. After waiting about 2 months they did not mail me anything and I have still not received any correspondence from them since XX/XX/XXXX. 
I then was told to file a FTC Identity Theft report, which I did and mailed them a letter and a copy of the report and the FCRA Notice to Furnishers of Information on XX/XX/XXXX. Capital One did receive the mail on XX/XX/XXXX as I sent it USPS Certified Mail, a copy will be attached here. I have still not received any documentation or anything from Capital One Bank and they are still reporting a negative fraudulent account on my credit report with a balance of {$480.00}.

Company response to consumer: Closed with explanation