hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (CA)

Complaint:
Pressured by my dentist while in the dentist chair to apply for and use Care Credit to be able to complete my dental service. Rates jumped up and its been about 6 years and Im still struggling to make the payments.

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 2023-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

Complaint:
My name is XXXX XXXX and I am a victim of sim swap. On XX/XX/XXXX, I started getting tons of spam text. My internet was cut off 15 minutes later. Calls, texts couldn't be made or received, neither the GPS was working. I went to the XXXX store in XXXX, NY. My phone was operating after the XXXX store switched my sim card. I went to XXXX XXXX and XXXX XXXX XXXX, NY. My debit card got declined. I attempted to check my bank account in XXXX XXXX, but was not successful. I got to my car, I clicked on the forgot password on the Chase application, put the same password and got in. The amounts of {$5000.00} and {$26000.00} were unauthorized moved from one account to another. Then I had three unauthorized purchases done at two different XXXX stores in the city. The purchases were made of {$8700.00}, {$15000.00} and {$7200.00}. I never got a call to verify these transactions. I called Chase to put in the claim. I got only 1 claim number for the purchase. I did a Police report. On the XXXX, I faxed the Police report number. I called on the XXXX, my claim was denied because according to Chase the purchases were authorized. They refused to email me a denial letter. On the XXXX, I faxed the police report. On the XXXX, my claim was closed again after confirming that they had the report. The claim got reopened and I got 2 claim numbers, for unauthorized transfers and the three unauthorized purchases. An XXXX XXXX had changed my password on XX/XX/XXXX and I own an XXXX XXXX. Chase saw my phone couldn't log in to the application on XX/XX/XXXX. On the XXXX, I got credit for the unauthorized purchase and XX/XX/XXXX, the XXXX Department removed the money that was credit. On the XXXX, my case was denied because until this day I still have the debit card. On the XXXX, I filled out an Executive Complaint. On XX/XX/XXXX, I got a call from the Executive complaint. I was told that they will look into my case, but they did not think the claim was going to get approved. The complaint was denied on XX/XX/XXXX. The Executive Complaint Department refuses to provide me the information that shows that my debit card was declined in XXXX XXXX and XXXX in XXXX, NY on XX/XX/XXXX. On XX/XX/XXXX, I faxed a picture of an open email that was found asking to verify the first transaction under my All Mails. Those emails were not found under Inbox or Deleted emails. On XX/XX/XXXX, I went to the branch where I filed the Executive Complaint, I was told that there was nothing else they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
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. (CA)

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself. The Experian Credit Bureau is reporting inaccurate information on the listed accounts below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( 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 2017-11-09
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (MO)

Complaint:
Navient has used XXXX different phone numbers in attempts to contact me since XXXX XXXX. Many numbers have called repeatedly. When the numbers are called back they are reported as not in service. 
Navient has also contacted my employer after being told that is not permissable. 
They have sent fax requests for information when they were told this was not permissable. 
They have threatened legal action. 
They have offered 'solutions ' via email but refuse to provide any additional information via email when requested. They state they can only speak over the telephone. 
Viable information that Navient does in fact negotiate via email and offer deferrment and/or forebearance via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
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. (GA)

Complaint:
I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Complaint:
I contacted EQUIFAX regarding an account reported by them as late payment to correct it. Equifax never communicate back to me regarding the account. I contacted XXXX College been on record per Equifax, they report the late payment. XXXX College advised that they are not responsible for reporting to the credit bureaus, all payments and reports are handle by XXXX on behalf of all the school. The said account is a student loan reported under my social security number reported by XXXX College according to the information on file with Equifax. XXXX College is the college I graduated from. While in college I took a federal student loan and upon graduation the loan is and has been managed by XXXX on behalf of XXXX  University of XXXX XXXX   under account number XXXX, which is also on file with EQUIFAX and the status is current. There should not be two different reporting for one single account. The loan amount is {$3600.00} under the account number XXXX, and I made a payment of {$40.00} on XX/XX/19. I contacted XXXX they advised that my account is current and no negative reporting has been made. They clearly stated that XXXX college does not report or handle this account, and there should be only one single account reported to the bureaus not two different reporting and that report should come them not the college.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANCO POPULAR DE PUERTO RICO (NJ)

Complaint:
disputed this account awhile ago but still have not received anything I asked for to prove 100 % verified or validation. So I'm submitting through this site for help. This account is not mine. I want to see my signed orginal contract. I want my identity proven 100 % and for them to send me what they have and not a copy of statements. Plus this account is over 5yrs old. 



They are saying it is verified but where's my proof? What methods are you using to verify?

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 2021-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

Complaint:
There is a creditor that I have listed in my complaint in which I have no idea who it is, or how they got my information. I don't know this account whatsoever and I demand that it needs to be removed immediately. I contacted this company and I am not getting any responses from them, nor do I have a signed contract with them. This needs to be deleted asap!

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 2020-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (IL)

Complaint:
Attempted to obtain a free yearly credit report from Equifax six times today through their automated process. The process is made to be as difficult and confusing as possible and usually ends with their commercial, no further action, and a disconnection after about 10 minutes wasted on the telephone. I finally found a way to reach a live person by going through their ADA required feature. The first time I reached a live person I was told that their systems were updating and to call back, after spending over 10 minutes on the call. Please note that I was able to get a free credit report from XXXX  and XXXX   in less then three minutes. From this experience, I must deduce that either Equifax has some serious internal problems or worse, they are intentionally making it as difficult as possible to obtain a copy of your credit report as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Complaint:
I have told them to stop calling numerous times and have even written emails and they will not stop calling. When they do call they cal back to back 4-5 times and hang up right away when I answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

Complaint:
My credit card was utilized on XX/XX/2022, at XXXX in the store for a merchant, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX for {$960.00} and it was fraud. During that morning, I was at the hotel pool while my room was being cleaned. My credit card was in the room. I informed Citi Cards that my credit card may have been taken by hotel staff, used and returned OR that somehow the numbers were used. I was told today that I will be responsible for the charges because during their investigation they learned that I provided the merchant with my account information for a " series of purchases. '' This is absolutely not true. I used this credit card twice, once at the hotel and once at a medical clinic to pay for my covid test. I called the hotel and the medical clinic to verify that they were not at all connected to the merchant who charged my card {$960.00}. They verified they are not connected to that merchant. I am not willing to pay for charges I did not incur, and am willing to get an attorney. Citibank Security Services will not re-open my dispute nor credit my account.

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 2021-10-11
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. (FL)

Complaint:
PLEASE HELP ME WITH SOMTHING, IVE BEEN A VICTEM OF IDENITY THEFT.. SOME USED MY CREDIT AN GOT MEDICAL TREATMENT IN MY NAME. I ALSO HAVE AN ACCOUNT THAT WAS REMOVED DUE TO FRAUD AND IT HAS REAPAERED ON MY REPORT. THE PROMBLEM IS THE COLLECTION AGANCY DID NOT SEND ANYTHING IN WRITING SAYING THESE ACCOUNTS WERE BEING ADDED BACK TO MY REPORT.. THE FOLLOWING COMPANIES PLACED ACCOUNTS ON MY CREDIT REPORT WITH OUT PROPER NOTICE.. THIS IS A VIOLATION OF FCRA.

1. XXXX XXXX XXXX, {$1000.00} ACCOUNT NUMBER XXXX I'VE NEVER DONE BUSINESS WITH THIS COMPANY OR ENTERED INTO A WRITTEN CONTRACT WITH THIS COMPANY. THIS COMPANY PUT THIS ITEM BACK ON MY REPORT WITH OUT 5 DAY WRITTEN NOTICED..

2. XXXX XXXX XXXX, {$380.00} ACCOUNT NUMBER XXXX I'VE NEVER DONE BUSINESS WITH THIS COMPANY OR ENTERED INTO A WRITTEN CONTRACT WITH THIS COMPANY. THIS COMPANY PUT THIS ITEM BACK ON MY REPORT WITH OUT 5 DAY WRITTEN NOTICED..

THE FOLLOWING ACCOUNTS BELOW, ARE FRAUDULENT, IVE NEVER DONE BUSINESS WITH THE FOLLOWING COMPAINES, IVE NEVER ENTERED INTO A WRITTEN CONTRACT WITH THE FOLLOWING COMPANIES. 

1.PHOENIX XXXX {$1900.00} 2..XXXX FINANCIAL {$1300.00}

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 explanation
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

Complaint:
XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX This letter is a formal complaint that this Company has reported inaccurate, unverified, unproven and untrue credit Information to the credit bureaus. Federal laws require furnisher 's of Information to report accurate credit Information to the Credit bureaus and in this case you have failed to do so. Every step must be taken to assure the Information reported is completely accurate, proven verified and correct. I have been disputing the below account for the last 8 Months, and never ever have I received any proof from Lending club regarding this alleged debt below : XXXX  XXXX XXXX Account number XXXX - UNVERIFIED, UNPROVEN, UNTRUE AND NOT MINE. 
THE ADDRESS ASSOCIATED WITH THIS ACCOUNT IS NOT MINE AND DOES NOT MATCH ANY PERSONAL ADDRESS INFORMATION ON ANY OF MY CREDIT REPORTS. 
This inaccurate Information must be deleted from my credit file immediately, please contact the credit agencies you have reported it to and remove this misleading information from my credit file, because I never received a copy of any contract from your Company bearing my personal signature, and because the Address you are reporting associated with this account does not match any of my personal addresses on my credit report. I reserve the right to sue your Company for violations of my Consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted. Kind regards, 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 non-monetary relief
Consumer complaint received 2023-05-05
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 not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$100000.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}. Please delete these ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-18
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: DISCOVER BANK (VA)

Complaint:
In XX/XX/2020 I disputed an error on my credit report with all of XXXX, XXXX  and XXXX  in regards to a Discover account showing in collections and at times as a open account on my credit file. On XX/XX/XXXX XXXX  and/or Discover confirmed this was an error and removed the account completely. I assumed this would follow suit with the other bureaus and did not look much into it until now. The Discover account is still reporting open and changing sometimes to a closed collection account massively affecting my XXXX  and XXXX  scores ( over 100 points! ). Although I have disputed with the bureaus I am unsure if this is an error made by Discover or an error made by the bureaus. I have attached screenshots from XXXX XXXX, XXXX and XXXX all confirming removals and inaccuracies. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

Complaint:
I had a HSBC credit card taken few months back and used it for making purchases and also paid the amount in time for the initial statements. I don't know that my card is been blocked for security reasons and even I'm blocked from paying payments towards the amount used in the credit card. Its been almost 60 days by now that my card is been blocked and tried to reach them for 32 times waiting each time for 1 hr and my issue is still not resolved. 

Every time I make a call to them they say that this is not the concerned department and transfer the call to some other department and make you to go around making you to wait for almost a day if you want to stay on the call. The longest wait time I had on call is around 3hrs and this is one of the worst customer service you will come across.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Complaint:
I've tried to remove the incorrect address 's off my credit report for quite a while but they are still showing. There's address 's that are a result of identity theft.

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 2018-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: General Information Services, Inc (NY)

Complaint:
On XX/XX/2018 i applied for a job at XXXX XXXX as an XXXX XXXX XXXX out of XXXX TX. On XX/XX/XXXX, i was given a verbal job offer from a hiring manager on condition of passing a XXXX screening and background check. I received an email from General Information Services asking that I provide my driver license number and social security number. A week later, I received an email from General Information Services requesting I sent a copy of my foreign passport from XXXX. I then received a form asking for my consent to run an international background check. The form asked for me to provide my XXXX National ID number. It is unclear what led GIS to believe i was in possession of a foreign passport and national ID number ( other than for discriminatory reasons ). I provided all requested documents and was told it would be investigated. I called several times to check on the status of my report, as international background checks are known to take some time. Each time I was told they had no information and were not required to provide me what they had. Eventually, on XX/XX/XXXX, I called the office of GIS and requested that I receive a copy of my report as it had taken more than 30 days and I was no longer interested in employment at XXXX because I was told I could not start if the background check was not finished. I was told a report would be sent to me and subsequently one was never sent, This is a violation of the FCRA and it is my fervent belief that I was discriminated against because of my religion and ethnic origin that I was forced to provide extra documents.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

Complaint:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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