hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2018-09-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CO)

Complaint:
Companies who issue these cards should NOT have the right to hold funds due to a failed gas pump transaction and, then, take WEEKS to return the held funds to the consumer. Consumers must be tenacious and call the card company over and over to request release of the " held '' funds. Many do not even understand what happened to the funds since NO explanation whatsoever is provided. Most consumers eventually give up out of confusion, and I am sure the card companies reap huge financial benefits from " held '' funds that are never released back to the card. This is a form of theft and should be outlawed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (WY)

Complaint:
Applied for a Business loan at Wells Fargo, Wells Fargo claims that XXXX provided information that was derogatory by reporting Serious Delinquency, Account history and too few accounts with on-time payments. 

I have excellent credit scores of XXXX - XXXX with exceptional payment history. My report shows good credit. 

I can not get a live person at XXXX to provide an explanation and Wells Fargo will not provide a copy of the report they claim to have obtained. 

It is all highly questionable and need to resolve all fraudulent or inaccurate reporting. Wells Fargo should also provide supporting documents for their 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 2019-05-05
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: Experian Information Solutions Inc. (TX)

Complaint:
I call the credit bureaus and told them i was a victim of identity theft. I was told to send all the proper docs to get these account removed. I sent in everything they ask me to and the accounts are still there.

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 2020-02-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY (CA)

Complaint:
I was never told by American Express that upon settling i would receive a 1099C that would affect my taxes. 

I looked up and it say BY LAW it is supposed to be in my mailbox no later than XX/XX/XXXX. It was in my mailbox on XX/XX/XXXX. I AM DISPUTING THIS AND WANT THIS VOID BECAUSE THEY BROKE THE LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Complaint:
They charge too much interest and they charge me a late fee when I submitted the payment on the payment due date. They didn’t want to help the consumer and I cannot afford to pay late fee of $XXXX plus their ridiculous interest charges meanwhile I do not make any purchases on this card and all I do is make 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 2017-12-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (CA)

Complaint:
1 ) I do not know CBE Group Inc {$42.00} Date Assigned XXXX/XXXX/XXXX # XXXX Retail Unpaid 2 ) I do not know XXXX XXXX XXXX Date Assigned XXXX/XXXX/XXXX {$1500.00} # XXXX Cable or Cellular Unpaid I had Identity theft before.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Complaint:
On XX/XX/2019 fraudulent charges were made on my Bank of America credit card. Several different charges and different amounts were made, all of them to XXXX XXXX. Halfway thru the charges being done it was flagged as fraud due to the large amount. I spoke with the company and confirmed it was fraudulent and they took immediate action. Unfortunately this caused further confusion on the account as some charges went thru, some did not, and then on top of it XXXX XXXX refunded some of the charges. It appeared that our account went up approximately {$4000.00} dollars before the claim was handled and credited. On XX/XX/XXXX we received correspondence from the credit card company that the merchant had credited us for {$1900.00} so they were going to reverse the credit they gave us. We then received a second correspondence on XX/XX/XXXX that they had completed their investigation and it was considered closed. On XX/XX/2019 they added {$4300.00} onto our credit card balance stating that they had double credited us in XX/XX/XXXXand added back interest as well as other fees onto our account. Since the claim was already closed how are they able to still claim we were double credited? I could not find evidence that we were double credited and even if we were why are we being punished for their mistake through the fees and interest?

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 2020-06-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (VA)

Complaint:
It is too difficult simple to link my PNC checking account to my XXXX account. I called at least 3 times and issue was not resolved, and I visit branch and it is the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Complaint:
Random credit check and find out that my score has gone down because of accounts I have no knowledge of. From places like XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, none of these places attached to them I have used ever. I've tried several times to have removed and no results.

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 2021-04-10
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: EQUIFAX, INC. (SC)

Complaint:
Equifax is reporting the account with XXXX inaccurately on my credit report. I disputed the account and requested a investigation be completed since XXXX of 2020 and sent letter after letter asking for an investigation since this account is reporting inaccurately. I never received a response or an update on the investigation. I sent another letter warning I would file a complaint and the comments was updated to show " reinvestigation in progress '' when I never received any information from the first investigation. It also has been 60 days since the comment was added and I still haven't received any information on the account. I even sent a validation letter to XXXX and never received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Complaint:
This debt has surpassed the statute of limitations. The date of last of activity was XX/XX/XXXX, the SOL is 3 years in maryland, yet it still appears on my credit report despite me contacting the company several times. This company is inaccurately reporting on my credit report a payment made in XXXX however, no activity has been made on this account since 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 2021-08-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Creditors Bureau Associates (GA)

Complaint:
Opened XX/XX/2021 ( {$2200.00} ) I reached out to both the credit bureau 's and the actual debt collectors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
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. (FL)

Complaint:
Equifax incorrectly reported that the "Current Status" of our XXXX XXXX account was "120+ DAYS PAST DUE" despite being told by us and XXXX XXXX  that it was "Paid and Closed."  This incorrect reporting that went on uncorrected for years caused irreparable harm, including being denied loans and being required to pay higher interest rates for loans and credit that was approved.  Equifax has refused to respond to our XX/XX/XXXX 2017 letter seeking a settlement.  Prior to filing suit, we are reporting this to the CFPB in hopes that your agency may assist with getting a response and settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
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: EQUIFAX, INC. (CA)

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  ( XXXX XXXX XXXX XXXX  XXXX and XXXX  XXXX XXXX XXXX XXXX ), have violated my rights. 
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 instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Complaint:
Good day! 

This narrative letter is a complain I am filing against Capital One Bank Checking Account.

I deposited two checks on XX/XX/2022 to my bank account which is the Capital One Bank. 
One check is from auto insurance ( XXXX amount is {$3600.00} ) and the second is auto insurance ( XXXX amount is {$2800.00} ) Unfortunately Capital One Bank froze my account on XX/XX/2022 that I cant able to access.For some reason that the check wasnt written under my name but under my customers name. I been trying to call them to fix my account however they mention it takes 60-90 days to fix for them and 90 days is over already. 
And now they mention that they need a HOLD HARMLESS FORM from the auto insurance company I been calling capital one bank that XXXX XXXX doesnt issue that form cause the money has go through already. 
And now I am truly mad and frustrated this kind of management they have. 
Please help me cause that was ourBREAD AND BUTTER

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
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. (TX)

Complaint:
XXXX XXXX has violated The Fair Credit Reporting Act ( FCRA ) by mistakenly reporting me as deceased to multiple credit reporting agencies. This is violation of Section 1681e ( b ) " Whenever a consumer reporting agency compiles a consumer report, it shall follow reasonable processes to ensure maximum possible accuracy of the information ''. XXXX XXXX had not conducted due diligence. They are the only active creditor reporting this incorrect status to credit agencies. 

Attached screen shots : XXXX XXXXTransunion XXXX My complaint is being filed against XXXX XXXX XXXX Their account had been listed on my credit report and closed. 

Recently they fraudulently notified multiple credit report agencies of a new status. The screen shots note that the consumer ( me ) has reported to them that I am deceased. I have not had any contact with XXXX XXXX, or any of their affiliations, since I posted my last payment. I certainly have not contacted them to advise I am deceased, and I am still living. 

Their actions have caused my XXXX XXXX to drastically reduce such that it does not register on credit agencies reporting scale. Another attached screen shot for XXXX XXXX, via XXXX XXXX shows that I can not access my credit report through XXXX XXXX XXXX. Upon speaking with XXXX XXXX, they advised this is due to being listed as deceased. 

I understand not having any XXXX XXXX will impact the possibility of getting any loan. Credit reports are also used as background checks for employment verification. I am currently applying for jobs. As such I could be impacted for employment. 

Additionally, while my account is closed, XXXX XXXX continued to charge interest. They also " reopen '' the account so the XXXX ( XXXX ) year clock to stay on my credit report would restart.

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 2021-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (GA)

Complaint:
This account is in litigation. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V Gravens ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Complaint:
Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! Account Name : XXXX XXXX XXXXXXXX XXXX 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL st to subsection ( c ) any consumer reporting agency may furnish a consumer report under lowing circumstances and no other : ( 2 ) In accordance with the WRITTEN XXXX XXXX XXXX of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed. Account Name : XXXX XXXX Original creditor : XXXXXXXX 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 2017-10-03
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. (CT)

Complaint:
on X/XX/17 I made a purchase online from XXXX for school clothes for my son which consisted of sweatshirts and athletic pants. I received the original order and was missing items. I contacted XXXX to report the missing items. I was told via ( online chat session ) that I would be refunded for the missing items. The items that I received did not fit my son ; therefore I sent them back via the prepaid return label that they sent me. I have contacted XXXX several times via phone and chat session and am told every time that " they will investigate ''. That is when I asked my credit card company CITI to help. I received a letter from them ( attached ) that they are unable to assist. I contacted XXXX again today with the same response after chatting with them for over 1/2 hour " they would look into it ''. I was charged {$220.00} for this merchandise, did not receive items and then returned the items that I received. I think it is very unfair that I should have to pay for items that I do not have. I am a single mom ; and this is very rough.

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 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Complaint:
To whom to may concern there is erroneous/ inaccurate information on XX/XX/2021. I am currently being hit with a bunch of hard inquiry 'd on the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I never gave any car dealership the right to run my credit score 6 separate times on the same day.

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 2018-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Complaint:
My Transunion report is showing that I have a delinquent account in collections from XXXX XXXX XXXX which was opened XX/XX/2014. The original creditor was XXXX XXXX XXXX in the amount of {$520.00}. This account is showing that Ive paid XXXX dollars towards this debt. This debt has been PAID IN FULL in the form of my state tax refund being held to FULLY pay this debt. 
Creditor Information XXXX XXXX XXXX XXXX   XXXX XXXX, VA 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 2023-08-13
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: AMERICAN EXPRESS COMPANY (NY)

Complaint:
provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or upated immediately. Account number XXXX, Account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (PA)

Complaint:
I have 2 Chase credit cards. One of them ( Amazon card ) is being paid automatically from outside checking account ending in XXXX but I will close that checking account. My other Chase credit card is being automatically paid from outside checking account ending in XXXX which is good. I want my Amazon Chase credit card to be automatically paid from my XXXX account like my other Chase card. But when I tried to set up autopay through Chase website, it asked me to log in to my outside bank account which I will NOT do. I messaged through Chase website on XX/XX/22 and asked them to set it up, and XXXX answered on XX/XX/22 " We need to speak with you directly to resolve this issue. Please call us at XXXX XXXX XXXX XXXX. '' So I called that number and, after a time on hold, spoke with XXXX. She refused to help me and instead transferred me to XXXX from tech support who could not help me. Since Chase already has my outside checking account that is paying my other Chase credit card, Chase knows that that is a legitimate account in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
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: CAPITAL ONE FINANCIAL CORPORATION (PR)

Complaint:
I had purchased an item on XXXX with my Capital one card, and I needed to return the item because it was the wrong size. When I had called XXXX they told me that they had sent me the return label of the item that I needed to return. Once, I tried to make the return, I couldnt because I wasnt sent the right return label from their own customer service center of XXXX and Capital One said that they could not do anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: GVA Holdings, LLC (SC)

Complaint:
I owe this company but the outragious fees became too much to bear when federal and state garnished my wages and put a levy on my home. I not afford the thousands of dollars being requested. I can pay amount originally borrowed agreed upon on a monthly basis but I truly have nothing else.

Company response to consumer: Closed with explanation