hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2020-04-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Complaint:
On XX/XX/XXXX, I opened a Saks Store Card via web application. My application was pending approval until I spoke to a processing representative. The representative approved the application over the phone and read the account number to me. The credit card limit was between $ XXXX. 

I tried to make a purchase online on XX/XX/XXXX, using the account number I received ; however, the order world not process for payment. I called Saks and the representative informed me that a the card was used to make a purchase was made for {$200.00} in XXXX XXXX, NJ on XX/XX/XXXX. I live in XXXX XXXX, CA. I immediately reported the charge as fraud and the representative assured me the fraud department would contact me within 24 hours. 

I either missed or did not receive a call from the fraud department. In XX/XX/XXXX, I contacted Saks to let them know I was still receiving a bill for the disputed charge. Saks claimed I never completed an official claim through Capital One. I contacted Capital One, who completed the fraud claim and assured me the matter was handle. I repeatedly asked for the card to be closed, but the representative insisted the card remain open in order for the dispute to be completed. 

I continued to receive bills in XXXX. I called capital one again and insisted the card be closed. As of XX/XX/XXXX, Saks has been calling and harassing me twice a day for over a month. The calls start at XXXX. I have found no relief through the available channels and the behavior is predatory. I have never had access to this physical card. I was never able to make a purchase. I believe the charge was made by an employee who has access to account numbers. I have exhausted all efforts to find a resolution and the matter is impacted my credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-01
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. (NY)

Complaint:
On XX/XX/2018 I was charged XXXX by XXXX I called Citibank to tell them that the charge was fraudulent and did not receive the product as it was described. I was told that I would receive conditional credit. However, I just received a letter from Citibank stating that that my conditional credit to my account is being rebilled and any related fees and interest charges will be added. I stated to Citibank that I did not receive the items and they were described and did not agree with the charge on my credit card. Now on a letter dated XX/XX/2018 my credit card is being rebilled. This is not fair to me the consumer when goods and services were not delivered.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-07
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. (OH)

Complaint:
I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries 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 non-monetary relief
Consumer complaint received 2022-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (AZ)

Complaint:
My name is XXXX XXXX XXXX, a federally protected consumer, and beneficiary. I am making this complaint against CITIBANK N.A. for committing identity theft. I have never given CITIBANK N.A. any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe, in interest of the estate titled, XXXX XXXX XXXX. I am aware that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any documentation requesting validation from CITIBANK N.A. before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If CITIBANK N.A. can not provide me with proof, such as a tracking number, that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

According to what Ive been told, after the banking crisis banks were required to do certain things, make certain allotments to the public, and to cease and desist doing certain things regarding consumer credit transactions. I know I dont have to run it down to you verbatim what the laws say. You may glean my line of reasoning and assessment from XXXX XXXX XXXX XXXX United States XXXX XXXX. ( *Hist. ) and other similar authority dealing with corporate demands against individuals rooted in alleged debt arising on promises, pledges, guarantees, and contract/agreements. See Truth in Lending and FDCPA.

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until CITIBANK N.A. can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and CITIBANK N.A. continues its collection efforts, I will file for litigation for actual damages caused and CITIBANK N.A. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

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 2019-05-15
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: EOS Holdings, Inc. (NY)

Complaint:
The following accounts were added to my credit report fraudulently and I've never given consent to even run my credit. I need these accounts removed immediately. 

1 ) XXXX XXXX ( XXXX XXXX ) {$1100.00} 2 ) XXXX XXXX XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
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: Experian Information Solutions Inc. (NY)

Complaint:
This is my Fourth attempt to receive from you the requested original signed agreement of a disputed 8-year old account [ XXXX XXXX ],  letter dated XX/XX/2018. It is my understanding that I have a right to see the original signed documents of this accountnot statements, letters from the creditor or any other document that is not the signed agreement between me and the creditor ; only that document can prove fraud or ownership. 
In addition, I have repeatedly asked for this information to be mailed to my correct address as stated above. I have yet to receive any of what I have asked for, in previous communications I have proven my New York address of nearly 20 years. 
Based on several credit-pulls across all the bureaus, at least two creditorsit appears XXXX is oneis updating their accounts to mirror present day profiles in an effort to legitimize their claims, the second creditor has already been removed. The type of credit cards that are said to be mine are cards that earn frequent flyer miles and/or cash back. The very first card like those I applied for, received, and owned is my XXXX XXXX card 2-years ago. Any creditor claiming that I owned any such card more than two years ago and is NOT XXXX ; is creating and/or updating accounts to reflect my very recent credit profile. Creditors engaged in this type of behavior convey the fact that they did not meet the legal requirements for verification. 
As this is my fourth attempt I will be submitting another grievance to the Bureau of Consumer Financial Protection/ FTC-FCRA, to lay the groundwork for later legal actionif necessary. All I want is the original signed agreementthe signature, handwriting, and information entered can easily prove fraud or ownership. 
My next step will have to be to seek legal representation on this matter. Please attain the requested documents or remove this account and send an updated copy of my credit report and all responses to my request to the above addressthe only accurate address, 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 2018-10-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO. (PA)

Complaint:
I have a XXXX XXXX Visa Credit Card provided by XXXX XXXX, I transfer my balance {$7000.00} to three different credit card debts on XX/XX/XXXX. {$1400.00} transfer to XXXX XXXX by Chase Bank credit card, {$3000.00} transfer to XXXX XXXX, and {$2600.00} transfer to XXXX XXXX credit card by Chase Bank credit card again, and the last transfer have failed, {$2600.00} didn't go to XXXXXXXX XXXX credit card, but XXXX XXXX Visa Credit Card balance it been transfer. 
I have call four times customer representatives, first one POOr Attitude, second one very nice give me advice to apply a dispute by letter, third one she is very patience and professional, and last one she put on hold and never answer me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (TX)

Complaint:
I have a bestbuy citi visa that I applied because of zero interest promotion. I made a payment on XXXX XXXX2020 using my banking information and the banking information was stored. I made another payment XX/XX/2020 and got a return of service, because they said that the bank information was not correct even though it is the same banking information stored and used on XX/XX/XXXX. I was charged a late fee and feel like this was done intentionally, because my XX/XX/XXXX payment would not have gone through if the information was incorrect.

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 2020-02-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (NY)

Complaint:
I attempted to close my Wells Fargo checking account today. There is a bit over {$1200.00} in the account and the fees every month were {$35.00}. I had previously attempted to close the account online but was told that the address I was using to remit the funds was not acceptable because it was a Post Office Box. I was told I needed to come into a branch to close the account. This is very inconvenient but today I went to a branch in XXXX ( XXXX and XXXX ) to close the account.

I was told that they can not close an account on the last day of the month, They gave me the proceeds of the account but did not close it. They said I needed to come back on a business day that was not the last day of the month or the first two days of the month. I asked if I would still accrue fees and was not given a response. 

So the account remains open despite repeated attempts t close it.

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 2022-07-29
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: EQUIFAX, INC. (GA)

Complaint:
This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXX XXXX Balance : {$700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$6600.00} ; XXXX XXXX XXXX Balance : {$0.00} ; 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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
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:
It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the items that needs to be removed in my file : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
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. (FL)

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. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
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 (FL)

Complaint:
I have tried since XX/XX/XXXX for the bank Wells Fargo to delete the mortgage that my ex has from the credit report. This was a second home that we purchased in XX/XX/XXXX as a vacation home. This is not my ex main house. He always have lived in another home. We purchased this with XXXX XXXX in XX/XX/XXXX. I have never signed any papers with Wells Fargo and when the mortgage has defaulted several times I have attempted for Wells Fargo to take me off the property since the judge when I got divorced gave this property to my ex and it is stated in my divorce papers that I am not responsible for this place as of XX/XX/XXXX. Divorce papers filed at the court house in XXXX XXXX County ( case # XXXX ). Now in XX/XX/XXXX my ex did a modification of this mortgage and without my knowledge or consent Wells Fargo did the modification putting my name as married to XXXX XXXX. In XX/XX/XXXX XXXX XXXX was already married to somebody else not me and I am married to somebody else also and I am not responsible for this property per court papers. I have tried for several years for Wells Fargo to removed me completely without any luck. XXXX , XXXX owes me {$50000.00} alimony from the divorced date until I got remarried, so I have a lien in this property for that amount. Also is showing in my credit report that I am living in all these places where XXXX XXXX live and I do not know who is reporting that if it is Wells Fargo since it is the only thing that unfortunately still being attached to me after 15 years divorced. Wells Fargo says that I will need to find a lawyer if I want this resolved. I had a lawyer and went to court and this should have been taken care of since XX/XX/XXXX.Attached I am also including all the addresses of all the places that the consumer report has me living.

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 2020-06-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (CA)

Complaint:
As of the date of this letter you XXXX XXXX  /Target XXXX has violated FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 623 ( b ) ( 2 ) and 61 1 ( a ) ( 1 ) The CRA must give you all the relevant information within five business days, have also violated Section code 605 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (CA)

Complaint:
I opened my Chase Visa card in a predominantly XXXX zip code ( XXXX ) and since then they have charged me 30 % interest. This year alone I have paid {$2400.00} in interest. My XXXX card opened in the XXXX  XXXX zip code XXXX charges me 9.99 % interest. I asked Chase to match that and they refused. I have a total of {$10000.00} in auto debt on a 36 month loan with 30 month to go. I have {$21000.00} in revolving debt including the {$8700.00} ( most of which is interest ) owed to Chase. I paid off my mortgage early. My student loans were forgiven through PSFL and I paid off my last car loan early. Yet Chase claims the 30 % interest is justified. I think the reason is exploitation and discrimination because my house was located in a XXXX neighborhood and I would like Chase to be investigated for redlining. Since XXXX XXXX is okay with 9.99 % the only difference is the zip codes where they started.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Complaint:
I paid Bank of America {$34.00} in XX/XX/XXXX to put a permanent stop on a payday loan company, ( I made sure to clarify that there was NO WAY after I paid for a stop, that this company could take any funds from my account ), then in XX/XX/XXXX, ( 5 months later ) the bank allowed a charge for {$300.00} from the loan company to pass through my account, overdrawing my account. I called Bank of America immediately, ( while the charge was still processing ), their representative assured me that indeed the stop I had paid for was active AND COULD NOT BE REMOVED without my formal consent. She said the charge would NOT go through, and it would drop off, she made it very clear that Bank of America would not pay the charge that was processing, and that I need not worry. The next day the charge processed all the way through to PAID. I call back, Bank of America transferred me to their claims department where the representative informed me that an error had been made clear back in XXXX. She said the original representative who put the stop on the payday loan company had neglected to place the stop on both the debit card as well as the ACH. At that time I was again assured that I had paid for the stop to be put on the payday loan company, so I had nothing to worry about. She started a claim, and put a credit into my account to replace the money that was taken from me without my authorization. I thought this was a really bad experience, but people do make mistakes, so I was just glad it was resolved. Then in XX/XX/XXXX I received a letter in the mail stating that the credit they issued would be reversed and that I would have to pay {$300.00} that the bank mistakenly paid to the payday loan company. When I called claims back they ask me if I authorized the loan company to debit my account. I said no and I paid to put a stop 5months ago. And, then they wanted to know if I informed the payday loan company. I said yes, I had informed them. The representative said, o.k. I will tell the investigator assigned to the claim. Then a couple of days later the bank charged my account {$300.00}. I guess Bank of America does not take responsibility for its employees errors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Complaint:
A few months ago I Filed a dispute with XXXX  and TransUnion pertaining to invalid and inaccurate personal information being furnished onto my consumer report. This information was not authorized by myself being the consumer and the only individual able to confirm the information. All bureaus responded that the information was verified with ( Creditors ) the furnishers of MY personal information. Title 15 U.S Code 1681 a ( e ) states that to verify information there must be an investigation of my consumer report. This requires an interview of neighbors, friends, or associates of the consumer. It does not state the information can be verified with the furnisher of the information.

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 2022-08-02
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 pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation