hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (MD)

Complaint:
On XX/XX/2022 - I submitted a payment using my Chase app to make a payment on my XXXX Chase credit card in the amount of {$2000.00}. I usually don't use my Chase App to pay I usually use my XXXX XXXX XXXX to pay all my bills. When I submitted my payment to my card it was automatically placed on hold by Chase and my card was suspended. In talking with over 6 reps from Chase on XX/XX/2022 no one could tell me why my account was on hold accept that I was on hold for financial review that could take up to 10 days and that my card would not be available to use until then. I asked for a manager and got a call back within 24 hours - the manager apologized and said that the account was on hold because the payment came from an unknown bank. Which is when I realized that I made a mistake and paid thru the wrong app. I told the manager that but she said the payment went thru and everything was fine. I used my credit card again and everything was good then it declined again. Come to find out that payment didn't go thru and with no word from Chase they closed my account because of one mistake with a payment which I have been trying to resolve. I have had this account for years and have an excellent track record with payments, paying off the card and not going over the limit. This is completely unfair and the only reason why I use this card is because of our recent trip plans to XXXX. I even increased the XXXX premier level to earn more in rewards and XXXX dollars as this is a surprise trip for my moms birthday. So I have been using this card as my primary card to build points for XXXX. Also I am in the middle of buying a home so to close my account as closed will ruin my credit history as which is totally unfair as again I have had no prior history of credit issues with Chase - heck they even raised my credit limit last year or the year before. A company wouldn't do that if they were concerned with the consumer and especially with a consumer whom doesn't pay. I want my card reopened with Chase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-01
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc. (AL)

Complaint:
This is a collection company called diversified consultants. They are trying to collect for XXXX XXXX XXXX. Ive told them that I didnt have a remaining balance when I closed my account and when I went to turn the equipment back in I was told they like to still charge you and to hold to my receipt which I have. I tried explaining this to this collection company but theyre trying to tell me its not for an equipment charge. So I asked where is it coming from because I didnt have a balance and they couldnt give me an answer. All they keep saying is I owe {$270.00}. They have been calling for 4 months and I have blocked their number 13 times ... the balance is now on my credit report so I figured that they would stop calling because thats what they threaten you with to get to hurry up and pay, but NOPE they called me today XX/XX/XXXX from another number ... .please get the calls to stop before my phone memorys full from blocking everyone in the companys number ... ..please and thank you!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-31
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: PLATINUM HOME MORTGAGE CORPORATION (GA)

Complaint:
Unauthorized hard inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (NC)

Complaint:
XXXX is reporting a debt collection account on my report from HUNTER WARFIELD INC. This company never contacted me or reached out to me to properly verify that this debt is mine. I actually found out about the collection account when pulling my credit report. I also noticed on my report that this collection is being reported as an open account which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (FL)

Complaint:
You didn't give me a choice for what my issue is, its with Care Credit. I got the Care Credit card because I needed to have my XXXX removed and I just didn't have all the money needed. I was told oh Care Credit and as long as you make you payments in the alloted time they won't charge you interest. If you owe them money after the alloted time they will charge you 26 % interest retractive back to when you made the charge. Great I can do this, I made my payments every month, per what the bill said. I look at my statement this last month and I see over {$500.00} in interested added. I called and was told oh you didn't pay enough ( obviously ) but I paid what I was told and was under the impression that if I made my monthly payments this wouldn't happen. She tells me " Oh you needed to let us know if you wanted that evened out '' Seriously. That she would give me 1 more month to come up with over {$800.00} to even this out. If I had {$800.00} I would have paid for my XXXX. I think Care Credit was very deceptive in their practices, I'm thinking okay I'm doing the right thing, I'm making the payments when all along they were rubbing their greedy hands thinking oh she doesn't know she isn't going to have enought at the end of the year. So if anyone reads this be aware that Care Credit isn't the God send they make themselves out to be. DON'T TRUST CARE CREDIT ANY MORE THAN YOU WOULD TRUST XXXX, XXXX XXXX OR ANY OTHER CREDIT CARD. I have been working so hard to get rid of debt, I just paid off 2 credit cards with 26 % interest and now this, anymore here I feel like I'm walking uphill in quicksand.

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 2017-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IN)

Complaint:
In XX/XX/XXXX, I applied for financing through XXXX XXXX XXXX XXXX XXXX, a used car dealership, online. I got a phone call from a XXXX XXXX employee asking to send XXXX XXXX XXXX an email with my written consent to run my credit score to determine eligibility. I specified that I only authorized XXXX XXXX XXXX to run my credit. My credit score was run, and I was approved for financing, although for a different car than the one I applied for. I received a notification on my cell phone via the XXXX app stating that my credit score had dropped. After checking my report, there were XXXX other hard inquiries on my credit report from various banks/financing offices that I did not authorize to run my credit score. These reports were all run on the same day, XX/XX/XXXX. My credit score dropped about 100 points because of these hard inquiries. XXXX XXXX XXXX, in XXXX, Indiana was another car dealership that I authorized to run my credit, whom I previously applied for financing with last year and nothing like this happened. I have contacted XXXX XXXX XXXX two times with no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

Complaint:
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : " There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ". I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 
Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : " There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ". I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 
XXXXXXXX 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 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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IA)

Complaint:
I have sent them several letters stating that my information was reported to the bureaus and under federal laws they didn't have written permission to use my personal information on the reports. They were handwritten letters and i received a letter back stating that it wasn't from me and was from a firm that fixes credit, which wasn't true.

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 2017-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MN)

Complaint:
I would like to file a Formal complaint on Equifax reporting agency I receive alert on my credit file that my debt to ratio limit was Over on 2 of my credit cards ( XXXX ) / XXXX Both those cards should be at XXXX  blance. and because of Equifax and My history I will not back down. I have filed Mulit complaint about this company with the cfpd and The Minnesota attorney generals office on this company I believe that it someone at that company is tempering in my credit file. the reason I have proof that I know that they are is XXXX And XXXX  reported on the same account info on the same day and Guess what their were reporting correctly. But just so happen MR Equifax had to go and report false information about me it is against the law for a reporting company to report false info. That is grounds for lawsuit each time I call there XXXX number they are very rude and nasty to me placing me on very long hold Guess What I will go toe to toe with you believe me. I have asked you to investigate credit inquires that I did n't authorize guess what you did n't send any of the information about that. PER THE FCRA IF YOU CAN NOT PROPLY VERIFY THE ACCOUNT IT MUST ME DELETE. CORRECT MY CREDIT BLANCE ON THE CARDS LISTED ABOVE OR ELSE I WILL BE FLYING DOWN TO YOUR OFFICE IN GEORGIA AND WO N'T LEAVE UNTIL SOMEBODY FIX THIS XXXX PROBLM!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
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. (NJ)

Complaint:
These companies all have not properly verified an existing problematic account reporting on my credit report. I have contacted them since XXXX. They never sent any documents from the letters I sent that properly verified this auto car loan that is reporting on my credit report which shouldnt be on there. All I keep receiving is letters from these bureaus stating " this was verified '' or " this was updated '' and never any documentation from the actual company. I am distressed that this issue has been going on for 6 MONTHS. This is ridiculous. This account needs to be removed from my credit report. There are laws that protect me as a consumer and they are going against ALL OF THEM. NO proper response and false validation or verification on their end.

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 2022-11-29
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those 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 caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
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. (NC)

Complaint:
I am a natural person, I am a living human being, I have right under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have right to privacy and I did not give Equifax written permission to furnish these accounts * XXXXl XXXX * XXXX XXXX  * XXXXXXXX XXXX * XXXX XXXX XXXX XXXX Collections Account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Complaint:
Complaint against : Bank of America XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, NC XXXX Victim : XXXX XXXX and XXXX XXXX email : XXXX XXXX XXXX ACCT NO. XXXX XXXX XXXX {$25000.00} XXXX XXXX ACCT NO. XXXX XXXX XXXX {$78000.00} ACCT NO. XXXX XXXX XXXX {$43000.00} TOTAL {$150000.00} On or about XX/XX/XXXX , Bank of America closed all 5 of my accounts, without giving cause or reason. as best I can conclude in XX/XX/XXXX I asked them to reopen a fraud complaint regarding {$10000.00} that they erroneously cashed for a person. I speculate that Bank of America 's fraud alert system triggered my account to be closed, as they did XXXX other customers who are in an EDD card class action lawsuit. 

The judge in that case has ordered a preliminary injunction dated XX/XX/XXXX that Bank of America was to return all funds and reopen all accounts closed due to fraud complaints within 45 days. Although I am not part of this lawsuit and the principal class I do fall under injunctive relief actions. The injunction states that the bank is also to give written notice and reason for their findings after they investigate, but to release the funds and not hold the funds hostage. 

Now, in XX/XX/XXXX Bank of America advised that they had completed their investigation regarding the account where the {$10000.00} was removed from and they sent me two checks totaling around {$3000.00}. However, as of today, three accounts only related because I am the principal remain closed with the funds in their possession. as of XX/XX/XXXX they advise that the funds in the amount of {$140000.00} are being held in some unit called their Hold Harmless unit. I have this week sent them a letter instructing them to return my almost {$140000.00} plus interest and I would hold them harmless from anyone who has no claims to this fund and who might make a claim, other than me. 

Now, when I attempt to call or go into a bank they read a note that they are not supposed to tell me anything or answer any questions and that I should mail anything and put it in writing. They have taken the position of not resolving the matter and maximizing damages. 

This has been 5 months and Bank of America has not given any reasons, except they said in XXXX that they could take 90 days to resolve the issue as per banking regulations. It has been over 150 days. Also, the judge gave them 45 days. They have caused my business to be shut down and all my employees to be laid off and they were the bank that our government chose to assist in unemployment EDD funds distribution. It is a joke and not just me, but over 350,000 people are suffering.

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 2020-06-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Brown’s New Credit Bureau Inc. (GA)

Complaint:
My medical debt was transferred from XXXX XXXX XXXX to Browns Collection Service in XX/XX/XXXX. In XXXX of XXXX I explained that I did not have the funds to pay in full and could realistically pay {$200.00}. They told me the minimum was {$280.00} and that it was a courtesy they didn't need to offer. I sent 3 payments, only 2 were received. They are now threatening me with a lawsuit if I do not pay in full. During a global pandemic. I do not have the funds to pay {$3600.00}. When I was trying to work out an arrangement, XXXX XXXX was rude the entire time. Told me I was " lucky '' to even be getting a payment arrangement, and that the lawsuit would take care of dealing with me if I couldn't. XXXX has yelled at me numerous times, told me I was poor with money management, alleged that my husband should take care of it if I couldn't, and said my inability to pay was " luxury items '' she told me I had no reason why I couldn't take care of it, didn't ask if I was struggling with employment, or other life events, and said that she was the expert after 20 years of doing this and that my account isn't special. XXXX. Unreasonable torment for someone that's just trying to do the right thing and pay their bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (MS)

Complaint:
This debt is not mine, I never lived in the state or the address that the account was opened. The debt is for {$400.00} and I have contacted the CBE GROUP and has not received a response to my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
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. (IL)

Complaint:
I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. NONE OF THE DISPUTED ITEMS WAS AUTHORIZED BY ME AND I HAVE NO IDEA AS TO HOW THEY GOT ON MY CREDIT FILE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE NEGATIVE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.

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 2022-03-30
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: Experian Information Solutions Inc. (GA)

Complaint:
Inquiries/ Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In according to FCRA ( 1970 ) 15 U.S.C.1681 and CFPB. My latest credit inquiries are showing excessive amount of inquiries that I did not authorize.

15 U.S.C. 1681 section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written consent.

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 2020-10-27
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. (OH)

Complaint:
Equifax is stating I have " XXXX '' that is effecting my credit score and I have not collections in the " collections sections '' Please see attachments with dates. Please correct the error.

Company response to consumer: Closed with explanation