hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (WA)

Complaint:
I disputed a charge on my debit card that occurred in XXXX, XXXX on XX/XX/22. I began my dispute process on XX/XX/22. The only way I could send my supporting documents to them was by fax. I faxed them my supporting documents and they said they never got them. They closed my dispute without reviewing any of my supporting documents. Then I went to my personal banker and asked her to help me so I had a witness to the documents that were being sent in. And again Wells Fargo Card Claim department said they didn't receive the fax. They closed the case and took the money out of my account again while I was out of State and they left me stranded with no money and without receipt of notification that they again closed the case without reviewing any of my supporting documents. I then started a 3rd case and this time I could email the supporting documents, which I did immediately. I just received notification that " too much time has passed '' and they won't reconsider my dispute, and I will have to contact the merchant directly. The merchant in this case is XXXX XXXX and they are connected to a cartel in XXXX and Wells Fargo is telling me that I need to contact them myself to get the matter resolved. This is dangerous!!! I was not provided ANY opportunity to have my supporting documents reviewed by Wells Fargo! It is wrong that they promise fraud protection when they don't review the documentation from the customer they promise to protect. They are supposed to protect the customer, not the fraudulent merchant! Customers of Wells Fargo Visa Debit Cards should know that Wells Fargo has poor dispute resolution practices. They will not review your documents and they will ask you to reach out to the merchant yourself, no matter how dangerous that is. This is wrong!

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 2023-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP (KY)

Complaint:
In XXXX of XXXX, I got a new USBank Kroger card. The first day I used it once and then when I tried to use it a second time, the fraud department called and put me on hold for more than 45 minutes. By the time they answered, I was driving and unable to receive a text message, so they reported the card as being used fraudulently. They did not tell me this, and I spent more than 6 hours on the phone over the next several days trying to resolve the issue. I was billed for the first charge, so they clearly know it wasnt fraud, but they still shut down my card. I was very inconvenienced, my credit was affected, I wasted many hours, and I was treated very poorly by the staff.

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 2021-08-19
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: WELLS FARGO & COMPANY (FL)

Complaint:
Some one is using my SSN to pull credit/credit card. I have a lot of inquiries and have not been removed.

This inquiries need to be remove, if they can not show proved of contracts etc. I also have freezed all 3 bureau.

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 2020-03-07
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. (IA)

Complaint:
The credit bureaus ( TransUnion, XXXX and XXXX  XXXX have been provided Satisfaction Letters with regard to a creditor 's tradeline XXXX XXXX XXXX XXXX XXXX XXXX  yet they refuse to update the tradeline to accurately reflect " paid in settlement. The original credit grantor ( XXXX XXXX  ) has referred to me the assignee ( XXXX XXXX XXXX ) and XXXX XXXX  has referred me to their debt collector XXXX XXXX XXXX XXXX to correct the problem who in turn redirected me back to XXXX XXXX XXXX. A letter will be forwarded to all parties today. Thank you

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 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2021-05-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
Two new accounts were opened. Credit score was reduced from XXXX to XXXX indicating the use of new credit lowered my score. I am retired and have a {$42000.00} personal annual income. The credit I am using is {$2700.00} which is 0.0644 % of my annual income. I have no mortgage, auto loan payments other than monthly credit card debt which is paid in full each month. The two new loans were for the purchase of {$320.00} and {$1100.00} items on a vendor promotion. Payments are {$28.00} and {$99.00} respectively and are debited from my checking account automatically on a monthly scheduled payment schedule until each item is paid in full over 12 months. See results below. 
On XX/XX/XXXX your score decreased by 8 points.

Credit Used The percentage of available credit that you're using increased, from 2 % to 3 %. 
Total Debt The amount that you owe on loans and credit accounts increased, from {$1600.00} to {$2700.00}. Examples of loans include student loans, personal loans, and mortgages. Examples of credit accounts include credit cards and lines of credit. 
Available Credit Your available credit increased, from {$83000.00} to {$84000.00}. 

TransUnion Credit Report Check your credit report for signs of theft, fraud, or error. 
Updated : XX/XX/XXXX Accounts & Balances You have a total of 26 accounts, 9 of them are open, and 17 of them are closed. 

1 New 1 Negative 0 Disputed Balance Breakdown Credit Cards {$2700.00} Real Estate {$0.00} Auto Loans {$0.00} Personal Loans {$0.00} Other {$0.00} {$2700.00} Total Balance Owed Inquiries Number of times that lenders have reviewed your credit report. 
2 Total Public Records Number of records provided by county, state, and federal courts.

0 Total Personal Information Information that you've supplied to lenders. 
XXXX XXXX XXXX Birth Date XX/XX/XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX Ct XXXX, FL XXXX Employer Name 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 2020-10-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc (IN)

Complaint:
PayPal asked me for a photo ID, I have used my PayPal account for 20 + years already. PayPal put a limited access tag on my account, I received ZERO NOTICE of this. PayPal is asking me for receipts of items from a distributor I sell on EBay but I do not have receipts as all  these items were bought by me on XXXX over the past 20 years. I am simply unloading/selling a collection of rock patches that average about {$9.00} a piece. I do not operate a business on XXXX. I have perfect 100 % + positive feedback on XXXX too, so there should be no need for PayPal to limit my account. By limiting my account, PayPal will not allow me to withdraw that funds I have in my PayPal account. I tried calling PayPal but when you hear the automated system state there is a wait time of 1 hour to 2 hours and they are going to transfer you to put you in line to wait for a customer service agent, PayPal then drops the call or in other words PayPal hangs up on you. There is zero way to resolve the matter online or over the phone then.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-01
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. (CA)

Complaint:
EQUIFAX, I did not authorize the following companies to run my credit in XX/XX/2022. I have requested the inquiries items be removed from my credit. Please have the following inquires removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
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. (FL)

Complaint:
Beginning in XX/XX/2016 I began the process of fixing errors present on my credit report with XXXX, XXXX, and Experian. 

Each of these companies has sent back correspondents and has corrected some of the errors and has left a majority of them stating the same 2 responses : 1 ) We verified that this item belongs to you. 

or 2 ) Information on this item has been updated. 

Here are all the creditors that are reporting inaccurately on this credit report : Creditor : XXXX, XXXX. 

Creditor : XXXX XXXX Creditor : XXXX/XXXX XXXX XXXX XXXX Creditor : XXXX/XXXX Creditor : XXXX XXXX *In reference to above XXXX XXXX XXXX XXXX , account name and date opened is incorrect. 
Creditor : XXXX XXXX XXXX Creditor : XXXX XXXX Creditor : 10 XXXX XXXX XXXX Creditor : 12 XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXXXXXX XXXX Creditor : XXXX XXXX XXXX XXXX  Creditor : 07 XXXX UNIVERSITY Creditor : XXXX/XXXX *In reference to XXXX/XXXX/XXXX  XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 12 XXXX XXXX XXXX, 10XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX account status, balance, and date opened, balance is not 100 % accurate. 
Creditor : XXXX/XXXX *In reference to XXXX/XXXX, account past 7 yrs. and balance is in error. 
Creditor : XXXX XXXX XXXX/XXXX XXXX has deleted XXXX/XXXX Experian has deleted XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has deleted XXXX 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 non-monetary relief
Consumer complaint received 2019-08-26
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: EQUIFAX, INC. (PA)

Complaint:
I DISCOVERED NUMEROUS ACCOUNTS REPORTING ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. I ADVISED THE BUREAUS. I DID NOT OPEN ANY OF THESE ACCOUNTS LISTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (KS)

Complaint:
I noticed that there is an interest mistake on the billing statement on XXXX. Balance subject to interest rate ( {$760.00} ) is {$230.00} more than the new balance ( ( XXXX ). Regularly balance subject to interest amount is matched with the new balance.In such way interest ) {$14.00} ) will be overrated {$5.00} or more. So I called chase company to request explaining. The chase credit card department supervisor ( XXXX  rudely hung out my phone call at the beginning. Then I called again to ask for refund the overrated charged interest. She said No and she started to laugh about CFPB. She said consumer bureau can do nothing to make her change. She refused to change the wrong interest amount and declined my refund request. Chase company made Balance subject to interest rate big so they could suck more interest with no sense. She responds nothing about COVID-19 assistance. Chase company tried to suck peoples interest as much they could. Since they declined my kind request and disrespected consumer bureau, I would like to get the refund for the recent three month interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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 2020-12-14
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. (IL)

Complaint:
Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN XXXX BUSINESS DAYS!!

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 2020-11-22
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance Corp. (FL)

Complaint:
XXXX XXXX XXXX Act. # XXXX {$6700.00} There is also a collection agency by the name of " XXXX XXXX XXXX '' that is also trying to collect a debit at different amount. There are big discrepancies There is a soft pull on my credit file please delete this account from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

Complaint:
On XX/XX/2022 the amount of {$690.00} was last reported on my credit. I was previously getting spam call attempting to collect a debt from a company I have no knowledge of. Pursuant to 18 USC 8, I owe no debt. This company is violating my customer rights to privacy pursuant to 15 USC 1681b 2. This company also has NO permission to report ANYTHING using my information pursuant 15 USC 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
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: Experian Information Solutions Inc. (IN)

Complaint:
Complaint is against Experian for credit report errors and for they are still billing me for closed Experian account : 1. XXXX XXXX shows corrected balance dispute resolution on the dispute request page, yet still shows the XX/XX/2020 balance of over {$5000.00} on the credit report. This must be corrected and correct the FICO score.

2. XXXX XXXX detail on the dispute request page shows not late per previous dispute resolution yet still shows late on the credit report, and summary shows one late account payment - XXXX was the only one showing a late payment. This has led to at least 8 auto loan refusals and a higher interest rate when a creditor approved the loan.

3. I am still getting billed every month even though Experian account was canceled. Only available phone number does not allow correction no matter what number I press, all go to reset password or hang up each time on each of many attempts. They need to stop billing me. 
4. There are many creditors that are closed and paid accounts are showing on my account. I know I had requested those over 7 years old be removed several times.

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 2021-11-17
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: CAPITAL ONE FINANCIAL CORPORATION (CO)

Complaint:
I disputed a charge of {$100.00} with Capital One on a service that was canceled within the time period. The case was closed in my favor. Now, they rebilled me without warning. There service is no longer available to me that was paid for and I'm charged for it thru my credit card company. So the company made Capital One recharge me without the service available. That's fraud. And Capital One will not refund the amount I'm out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

Complaint:
I called Experian on XX/XX/20 because my FICO score dropped 41 points. I spoke with a supervisor named XXXX. He and I agreed that the only thing that changed on my credit report from the previous month was that I had a {$0.00} balance on my credit card because I don't usually carry a balance on my account if I can help it. I DID NOT close the account. I just try to not keep a {$0.00} balance because the interest rates are so high and there is {$0.00} interest if I do not carry a balance. 

Supervisor XXXX told me that an algorithm made the change and that is not disputable unless I hired a licensed credit repair specialist to investigate my " dispute ''. I don't know why I would have to hire this person and I was NOT disputing anything. I just wanted to know why my score dropped and XXXX refused to assist me. 41 points is a huge drop and I need this fixed promptly.

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 2015-04-13
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC (TX)

Complaint:
5 AND A HALF YEARS AGO I HAD A CREDIT CARD ACCOUNT WITH XXXX XXXX XXXX. DURING THAT TIME MY INTEREST RATE WAS 2.9 %. MY HOME WENT TO SHORT SALE AND UNFORTUNATELY WHEN THAT OCCURED DUE TO DIVORCE, ALL OF MY VARIABLE INTEREST DEBT SKY ROCKETED OVER NIGHT FROM XXXX TO 30 %! MY BALANCE AT THAT TIME WAS {$2300.00}. SINCE THEN I AM TOLD THAT XXXX XXXX XXXX HAS SOLD MY DEBT AND IT IS NOW A CHARGE OFF. I CONTACTED XXXX XXXX XXXX AND THEY WERE UNABLE TO VERIFY WHO IN FACT BOUGHT MY JUNK DEBT. SINCE THEN SEVERAL COLLECTION AGENCIES HAVE CLAIMED THIS ACCOUNT WITH VARIOUS AMOUNTS OWED. MOST RECENTLY CALVARY PORTFOLIO HAS POPPED UP ON MY CREDIT REPORT CLAIMING I OWE THEM A WHOPPING {$19000.00} FOR SAID DEBT WITH XXXX.I HAVE SENT SEVERAL DEBT VALIDATION LETTERS TO CALVARY WITH NO RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
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. (CA)

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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