hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2020-07-28
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. (DE)

Complaint:
I am reaching out to you regarding a theft of a credit card and multiple thousands of dollars of fraudulent charges that were made due to that theft. InXX/XX/XXXX I had to terminate my assistants employment due to finding her stealing from me on my security cameras, come to find out one of the items that was stolen from me was my AT & T Universal Citibank Credit Card along with my XXXX XXXX and XXXX cards. For over a year and a half I have been attempting to get the fraudulent charges along with interest accrued reversed, as anyone can see with my spending history, that these charges were not made by me. Im highly disappointed and very frustrated with how Citibank has handled this as XXXX and XXXX immediately credited back the charges, realizing they were fraudulent. Citibank has passed me around most recently speaking with XXXX, XXXX and XXXX from their security department saying that the case is denied due to the fact I had authorized my assistant to use my card. When I did authorize her to us my card it was right after I had XXXX XXXX as well as XXXX XXXX resulting in a XX/XX/XXXXso I was unable to leave the house for my medication so at the time and only that time I did ask her to pick up my medicine. However, as I mentioned before when she was terminated she STOLE several credit cards and used them WITHOUT my permission causing these charges to be accrued. I was advised by XXXX in Citi Banks security department to contact Citibanks specialty team department as they take the time to truly research fraudulent charges. About 4 months ago I sent a written letter to them with all the documentation highlighting the charges and explaining my case and I have yet to hear back from anyone. Im anxious to get this account settled as the charges as well as the interest accrued has added up to roughly {$15000.00}. I have continued to make payments on the card as I did not want this situation to effect my credit score, after a year and a half of no answers I am hopeful you will be able to help me settle this. I am attaching the statements including fraudulent charges. I also have emailed XXXX XXXX and XXXX XXXX ( both CEOS of Citibank ) with no response so again Im hopeful you are able to help me.

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 2019-04-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Complaint:
I opened a new checking and savings account with Chase. I tried to deposit money from my old account, but Chase canceled the deposit and locked my account 3 times. They are doing this to avoid paying the signup bonus and charging me low balance fees. I have been to a branch to complete this transaction and was told that they could not make the deposit. I have called in where at one point they expected me to give my social security number over a conference call. They refuse to unlock my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc. (NH)

Complaint:
Without notice and while trying to buy a house, a debt collector on behalf of my current utility company - XXXX, put an old account of mine into collections. I have autopay set up with XXXX and everytime that I call it says my balance is {$0.00}. The debt collectors name and information is : Diversified Adjustment Service , Inc. Their web address is XXXX XXXX XXXX 

I called XXXX and they refused to assist me, sending me to Diversified. I called Diversified and informed them that i never received notice or the ability to dispute and they said " it was sent via regular mail. '' They have no tracking or proof that they actually sent it - nothing other than a database entry. I informed them that I did not receive it and the response was something like " well we sent it so that's all that matters. '' I told them that although I've never seen the debt I would pay it if they would delete it from the credit bureaus. I informed them of the hardship that they have caused me and that I am buying a house. I informed them that something as little as a {$400.00} bill could cost me hundreds of thousands of dollars in loan interest rate costs. There response was that they weren't going to do anything and I could pay it or not. 

Even if I pay this debt it will traumatically affect my credit score. It has reduced it almost XXXX points. This is not in any way consumer protection, and the fact that they would put it into collections without verified notice is wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
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: EQUIFAX, INC. (GA)

Complaint:
I sent in a police report along with a dispute letter about the XXXX XXXX account thats reporting on my credit report ...

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 — Problem with personal statement of dispute
Company: Associated Credit Services, Inc. (MA)

Complaint:
This collection company made a mistake two times. 
The first time after they had put an account into collections without any notification they were kind enough to fix it when i made payment due to their mistake. 
This past XXXX they put another account into collections. They never called me or sent me any letters notifying me of the debt ( they confirmed this on a recorded call ) I paid the debt as it was legitimate and asked that they pull this from my credit. They are refusing. This is the same exact scenario in which they knowingly made a mistake and fixed it previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (GA)

Complaint:
I applied for and was approved for a American express delta sky miles card. The deal was spend XXXX XXXX dollars in three months and get XXXX delta sky miles. I have me my end of the promotion and now I am being told my card was approved but the promotional part was declined. I am furious. If they were not going to honor the promotion I never would have applied for this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
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. (MD)

Complaint:
Trans Union Consumer I send in a Dispute letter on the date of XX/XX/XXXX for a list of Inquiries did not Authorize The Inquiries are still reporting to my credit report and this not the first disputing Info on my report with XXXX  and also call in about Authorize Info on my report date of XX/XX/XXXX. I was ask about 3-7 lady on the phone was not trying to help keep on saying to me that Inquiries can not be removed and had me on hold for one hour VERY BAD CUSTOMER SERVICE Never had a chance to Dispute nothing on my report Fraudulent Inquiry Details XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Credit Union XXXX XXXX  Inquiry from XX/XX/XXXX Credit Union XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry  from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX. 

XXXX XXXX Inquiry from XX/XX/XXXX Please Remove 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 explanation
Consumer complaint received 2018-09-20
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: BARCLAYS BANK DELAWARE (PA)

Complaint:
XX/XX/XXXX- Called credit card company XXXX XXXX requesting to reverse a balance transfer that was made in error due to recent XXXX XXXX XXXX due to XXXX XXXX XXXX. Not resolved. XX/XX/XXXX- Called credit card company XXXX XXXX again requesting to reverse a balance transfer that was made in error. They stated they can not reverse the transfer but they could write a check in the amount of {$5800.00}. This was authorized by XXXX XXXX ( the card holder ). They said they would be sending the check in the mail. This would bring the balance to {$0.00} on the XXXX XXXX Credit Card.

XX/XX/XXXX- Check never arrived. Instead credit card Company reversed 2 balance transfers electronically without authorization or notification to card holder. Over the requested amount leaving a balance of XXXX XXXX14.99 % APR ( previous APR 0 % ) XX/XX/2018 PAYMENT REVERSAL {$2800.00} POSTED DATE XX/XX/2018 PURCHASED BY XXXX XXXX XX/XX/2018 INTEREST CHARGE ADJUSTME {$33.00} XX/XX/2018 PAYMENT REVERSAL {$6300.00} POSTED DATE XX/XX/2018 PURCHASED BY XXXX XXXX XX/XX/2018 PAYMENT RECV 'D CHECKFREE $ ( 2850.00 ) XX/XX/2018 PAYMENT RECV 'D CHECKFREE $ ( 6380.00 ) XX/XX/2018 PAYMENT $ ( 2892.38 ) XX/XX/XXXX 3rd call, spoke with manager. He stated they can not undue their error. But But XX/XX/XXXX will remove interest charge of XXXX XXXX.They admitted that the first case opened on XX/XX/XXXX- was in a different department than the Case on XX/XX/XXXX leading to the departments not communicating resulting in the cancellation of the authorized check of {$5800.00} along with the 2 transfers being : {$6300.00} and {$2800.00} This leaves an open balance of {$3400.00} with an 14.99 APR which previously had a 0 % APR.

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 2022-08-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

Complaint:
This account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence, I want this to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
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. (NY)

Complaint:
I am writing this letter to dispute an item on my consumer report that is inaccurate and needs to be investigated and deleted from my report. The collection account in question is XXXX XXXX XXXX XXXX 

Upon reviewing my credit report, I have noticed that Experian is reporting a last active date of XX/XX/XXXX for this account, whereas XXXX is reporting a last active date of XX/XX/XXXX. This discrepancy in the last active date is causing confusion and misleading information on my report. 

I have contacted the creditor, XXXX, and they have confirmed that the account was last active on XX/XX/XXXX, which is in line with what XXXX has reported. Therefore, I am requesting that Experian investigate this matter and correct the last active date on my report to reflect the correct date of XX/XX/XXXX. 

In addition, I am requesting that Experian delete this collection account from my credit report entirely, as it is no longer a valid debt and should not be negatively impacting 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 2022-01-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (VA)

Complaint:
XX/XX/2021, {$510.00} this account is a fraudulent open by Someone who stolen my identity, Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IL)

Complaint:
They keep calling even after I told them the person that they are looking for no longer own the phone number ask to be removed but they still keep calling at all time of hour. 
( Midland Credit Management MCM )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (OH)

Complaint:
Got a call from Midwest Recovery Systems XXXX spoke to XXXX on XX/XX/XXXX at XXXX EST about a debt that appeared on my credit report on XX/XX/XXXX. He stated it was from a loan from XXXX XXXX XXXX from XX/XX/XXXX via XXXX XXXX of XXXX Florida for {$5000.00}. Stated that I owed {$7900.00} on the loan. I live in Ohio and have never opened any accounts in Florida he stated I needed to file a police report and he would send the documentation over to me. I never received anything from him or anyone else. I monitor my credit report closely and this has never been on any reports. I found there are over 600 complaints in the last three years similar to this against this company which has resulted in the XXXX revoking their Accreditation. While I will still file a police report I also wanted to file a complaint with CFPB as I am sure there are others dealing with this same scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

Complaint:
XXXX XXXX, and Equifax received an Identity Theft Affidavit from me and refuses to remove the account. It was not blocked in era and if they believe it was Id like a senior member of their organization to sign an affidavit under the penalty of perjury stating this. They continue to play games and responded to my request asking for information already presented to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (PA)

Complaint:
LNVN Funding LLC RE : Validation Requested RE : Account # XXXX To whom is may Concern, I dispute your claim and I am requesting validation from your pursuant to the fair Debt Collection practice ACT 15 USC 1692g SEC 809 ( 8 ) FDCPA. Provide breakdown of fees including how you calculated what you claim I owe. Provide a copy my signature on a contract or document that holds me responsible for this alleged debt. Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. Send me proof that you are licensed to collect a debt in my State. Send this information to my address and accept this letter sent as my formal debt validation request which I am allowed under the FDCPA. I will await your reply with the above requested proof Upon receiving it, I will correspond back with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
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:
I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these inquiries ( A ). It is not permitted to report these inquiries as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2017-04-27
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Complaint:
On e  XX/XX/XXXX  my  wife and I received an email notice about a payment due on a  Capital One  account. The email was sent to my wife 's email address from  XXXX  XXXX  XXXX , but my wife does not have  a Capital One cr edit card. The email body indicated that it should have gone to another person with the same first name, but different last name as my wife.     On  XX/XX/XXXX  we called the support phone number for  Capital One t o be sure there was no fraud involved and the customer service rep told us that there was not and that it was most likely just a wrong email address or that the actual customer had potentially entered the wrong email address. We asked that her email address be taken off of their records so that we would not receive any further communications from  Captial One abou t payments being due.     Since then, we have received no less than  15 ema ils with varying degrees of urgency, personal information and balance information about the other person 's account and threats that they would seek legal action if the balance was not paid. We called back to customer service o n 3 sep arate occasions over the course of the next several months in  XXXX ,  XXXX  and  XXXX  and each time, the customer service representative informed us that they would resolve the issue and that we would no longer receive communications.     The last call we made was the week of  XX/XX/XXXX  and at that time, we informed the customer service rep that we would file a complaint with the CFPB if we received another email after 10 days of that call. Since then, we have receive d 2 more  emails, the most recent being sent today,  XX/XX/XXXX .     I am happy to block the sender and report the emails as spam, but I am also concerned as I want to be sure there is no fraudulent activity happening here. I have checked my wife 's credit report recently and there is no indication of any problems or accounts being opened that we are not aware of, but I think that it is irresponsible of  Capital One to  not resolve this sooner after we have given them months in which to fix the issue, and having been told several times that they would ensure we were no longer emailed.     Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (FL)

Complaint:
In XX/XX/XXXX which I believe started in XX/XX/XXXX Citi Bank was offering a new account promotion bonus online that expired in XX/XX/XXXX. The amount of the promotional XXXX, XXXX or {$1500.00} according to the amount of deposit. I open the require account on about the XX/XX/XXXX and deposit the required amount on the XX/XX/XXXX in order to qualify for the promotional bonus of $ XXXX.I initiated a call the next few days to confirm that I would qualify for the promotion, and I was told that yes, I was told at that time that after a 21day of the deposit and after 60 days of the require balance remain in my account they would deposit the {$1500.00} in my account. I have met all the requirements to qualify and have spoken to them several times about the date my funds would be deposited. My daughter and I drove XXXX miles to the XXXX XXXX and back to prove my identity so they could correct my social number. I ask again while we were there about the promotion bonus and were told it would be paid in XXXX the XXXX by the cashier. I called Citi on XXXX the XXXX and was told now it would be 21 more days and everything was in order for the amount to be deposited in my account. Now later that afternoon I receive a message from Citi telling me there was no such promotion. So basically, they have kept my funds for over 6 months and now after telling me my promotion bonus would be deposited, they never had this promotion. I was also told that I would receive a complete package with all the information and was never sent.

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 2022-10-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (SC)

Complaint:
A third party company called XXXX XXXX XXXX has posted a derogatory on my credit report and public record for a company called XXXX XXXX XXXX. It say that it was made in XXXX of XXXX but information of where and when is not accurate or related to my involvement. LVNV Funding says they are part of a collection company from XXXX XXXX XXXXXXXX XXXX XXXX XXXX for a credit card I do not own. XXXX is also for something from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX says it was opened in XX/XX/XXXX A company called XXXX XXXX says they are collecting a debt for a XXXX XXXX XXXX. This account was closed and told not to be renewed. But the companies customer service for XXXX  aggressively did not want me to stop having coverage. I wanted my service ended. I was in a lXXXX XXXX XXXX XXXX. And no longer wanted anything to do with this harsh company. My service and demand to stop service was in XX/XX/XXXX. Instead the XXXX company still charged me for another month not listening to the cancelations made from XX/XX/XXXX thru XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (SC)

Complaint:
Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX  ( Original Creditor : XXXX BANK ), Account : XXXX Reason XXXX Delete this unverified and inaccurate account

Company response to consumer: Closed with explanation