hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Complaint:
On XX/XX/2021, I was pending the credit for account ending on XXXX for {$16000.00}, same issue that happened with the purchased for the card ending in XXXX which was resolved and I received the credit. After I called I was transferred to the dispute department, which was not the correct department, because the dispute department was not handling the fraud purchases, after explaining the situation to the representative she said that she was taking away the credit for the {$16000.00} on credit card ending on XXXX, this credit was given to me by the Fraud department. I was very surprise that this representative did not know anything about the matter that was revolved by the fraud department, so I asked for the supervisor, which immediately said that they were giving me the credit back and closed the case. Later I learned that was not the case, she did not give me the credit. Since it was late, I called the Fraud department and told them what had happened the night before, and the representative said to call the dispute department and tell them to close anything they had opened regarding the fraud charges, he also said that since the credit was given to me already that he was going to honor that and close the case. The representative also said that the claim department and fraud department are not connected, one department does not know what the other is doing and they have this happen in regular basis. I waited few days and the credit was never given back to me for the {$16000.00} on card ending on XXXX, and also the representative never re-opened the case for the {$16000.00} for the card ending on XXXX. I am very frustrated with Bank of America and their employees, I have been dealing with this for ten month and something that was resolved and should be resolved long ago is a completely mess now. Bank of America representatives are so unprofessional and have not knowledge of their business, these people are put there to answer the phone without any proper training. Their representatives are misleading, altering and changing the information provided to avoid doing the work.

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 2019-02-06
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Associated Credit Services, Inc. (GA)

Complaint:
Contacted around XXXX XX/XX/XXXX from Associated Credit Services . The person I spoke to was incredibly rude and condescending. He told me that if I did not pay my XXXX XXXX  balance in full he would sue me. He also appeared to be looking at my credit report and told me if I did not pay my balance in full today he would get an account number from my report and attempt to run it on that. He said I had a XXXX XXXX card that had {$300.00} in available credit which is not my card. I'm simply an authorized user on it. When I told him that was my father 's card he told me to use that card today or he would call my father and inform him of my bad debts. I immediately hung up the phone. He then called me back on a blocked number and said if I do not pay in full today he would contact my place of employment and inform them of my bad debt. 

Account is for {$1600.00} from XXXX XXXX XXXX. I offered to pay him in {$25.00} installments since I am in XXXX  and he said I need {$350.00} minimum today or we go to court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

Complaint:
Tried to resolve issue with XXXX debt reported on my credit. They advised that I would have to speak with the original credit about reporting the incorrect amount. I forwarded them emails to correct the amount and they refused to correct the balance. They read me notes that they received a call from an employee of the property that I was not responsible for the debt, but they said that they said that they needed to get paperwork from the property. I forwarded emails to the collection company from the property showing that I did not have a balance, but they said all they can do is forward it to their accounting department. I am just trying to understand why they are trying to collect on an account that shows that I have a zero balance.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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. (TX)

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-06
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (FL)

Complaint:
Last year as the result of the XXXX hacking, someone tried to get a credit card through XXXX and Chase, I received a letter denying the cc which I am glad it happened since I have bad credit and I filed a complain through this agency ( see your files ). I got a response from Chase Bank informing me the problem had been addressed and it would not happen again. Guess what it is the same time this year and I got exactly the same letter denying the cc and the three common denominators are XXXX, Chase Bank and XXXX  ( same as last year ). 

I WANT THIS AGENCY NOT ONLY TO RELAY THIS COMPLAIN BUT TO GET INVOLVED AS WELL TO MAKE SURE THAT ME AND THOUSAND OTHERS DON'T HAVE TO GO THROUGH THIS IN THE FUTURE. 

THE GOVERNMENT ( YOUR AGENCY CHARTER ) IS TO PROTECT THE PUBLIC OF SITUATIONS SUCH AS THIS AND NOT TO TAKE THE FINANCIAL INSTITUTIONS ' WORD. 

I HOPE THIS TIME AROUND I GET MORE THAN JUST A COMPUTER PRINTED PROFORMA LETTER.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
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. (FL)

Complaint:
im a victim of identity theft and have contacted all 3 bureaus about this issue to no avail! i even filed a police report at my local sherrifs office and yet still nothjing has been done! beeen dealing with these issues for years and its holding me back from acquiring the things i need in life! 
experian XXXX and 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 2018-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NE)

Complaint:
Recently my wife, XXXX XXXX XXXX had dental work completed at the XXXX XXXX Nebraska XXXX XXXX. Most of the fees were paid directly to the XXXX XXXX including XXXX ( {$790.00} ) of the total charge. This left a balance of {$1300.00}. When we inquired about how we could settle this debt other than a cash payment we were advised that we could apply for an interest free 6 month credit card from a company by the name of CareCredit. We applied for the card and were insured that so long as we paid the full balance prior to six months from the approval date of the card it would satisfy the {$1300.00} debt in full. 

We received the first billing statement from the Synchrony XXXX which apparently collect for CareCredit. We made a payment of {$220.00} to the " Bank '' although the statement showed a minimum payment due of {$44.00}. Our {$220.00} payment was made to insure we could complete payments within the expressed 6 month interest fee due date. 

Subsequently we received a second billing now showing a promotional charge of {$1100.00}. Wondering why the payment of {$220.00} did not reflect the correct balance due which should have been {$1000.00} ( {$1300.00} minus {$220.00} ) we inquired by telephone call to the Synchrony XXXX in XXXX, FL who were listed as account holder on our statements. We were told by XXXX at the Synchrony XXXX that we were being charged a monthly maintenance charges of {$21.00} in XXXX and {$18.00} in XXXX XXXX. These almost 1.7 % charges based on the original payment were made without any knowledge on our part or notification of any charges or interest. " XXXX '' advised me that this was a type of charge made to ( protect our card ). When I pointed out that we had no knowledge of buying any sort of card protection XXXX said that they ( the Bank ) would cancel the maintenance fee charge for future payments and would refund the charge only for the XXXX {$18.00} charge and that it would probably take 2 or 3 billing cycles before any refund could be made. 

This just seems to me that the CareCredit card was just a way to make us open a CareCredit credit card account and that the maintenance charge was no more than a substitution for interest. We feel that we are entitled to both XXXX and XXXX charges in a timely manner and should no longer be subject to these unfair unsolicited charges.

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 2015-03-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (CA)

Complaint:
Basically, the call does n't state whom they want to speak to. They only stated the following : They are from Municipal Services BureauThe phone call is not a Sales or Solicitationtopic is an Important matter - call XXXXSince I do n't owe any money and they think it is important, they should - specify whom they want to speak to and what the subject is about.and sent a certified letter to my address if they know. 

I have been living in the same address now for over 5 or more years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every Experian, XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXXXXXX Date Opened XX/XX/2014 Balance {$0.00}.

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 2023-04-05
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. (SC)

Complaint:
I sent a letter on XX/XX/2023 to Experian. Here is my tracking number ... ... ... .. XXXX However the credit bureaus said they completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 
The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who did they talk to? 
How did they complete this investigation?

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 2021-07-28
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. (NJ)

Complaint:
I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX : XX/XX/XXXX : {$320.00} - XXXX : XX/XX/XXXX : {$320.00} - XXXX XXXX XXXX XXXX : XX/XX/XXXX : {$440.00} - XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX : {$940.00} - XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX : {$940.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (IL)

Complaint:
XX/XX/21 - my chime bank account was fraudulently charged more that {$500.00} in charges at an XXXX in XXXX. I called bank right away and informed them the charges we not mine and they automatically deactivated the debit card and issued a new one stating that they could not dispute the charges until they had actually posted onto my account instead of just in the pending status. They assured me that they would do everything they could to help me and I transferred out what little bit of money I had from my spending account into my chime credit builder account which was {$380.00}. I changed my passwords and everything I could to try to protect my account once more. 
XX/XX/21 - I receive a email from Chime saying that they have closed all of my accounts and no reason why besides they didnt like the activity that was on my account. I tried calling the one 800 service number and the service number said since my account was closed I had to email chain support. Email try support and Chime support said I need to call the one 800 number. I emailed back and said I couldnt call the number because I couldnt past the your account is closed please email XXXX I tried hitting all kinds of other prompts but I still got the same response. I emailed the child support back back-and-forth for five times asking them to please call me I wanted to know where my money was why my account was closed and what was going on with the fraudulent charges I need to be reimbursed for those those were not my doing. 
The very last email I got stated Thanks for reaching out to Chime Member Services. XXXX here again, I apologize for the inconvenience of this situation. Unfortunately, for security reasons, Chime is unable to disclose further information about the closure of your account. 

Please let me know if I can assist you with anything else. 

Thanks, Chime Member Services And I can not get a response since then so not only did chime close my accounts they also have all of my money and wont communicate with me about it at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
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. (NJ)

Complaint:
I had a recent mortgage modification where it was completed roughly 45 days ago and they are still reporting the old mortgage balance and that I was late with my mortgage payments. Neither of which are accurate. I provided them with a current statement of my mortgage showing it is current and that their balances are incorrect and they refused to recognize that 3rd party documentation as proof that I am correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Complaint:
Experian and XXXX  credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts are not mine.

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 2020-07-09
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. (AR)

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXXXXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
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: DriveTime (FL)

Complaint:
Inquiry appears on my credit report and have reached out to DT Credit by mail on XX/XX/XXXX where they never responded. 

Called ON XX/XX/XXXX DT CREDIT and they stated they can not remove the inquiry that only XXXX Called ON XX/XX/XXXX XXXX and they stated they can not remove the inquiry that only DT CREDIT CAN. 

Inquiry XX/XX/XXXX I have no idea what DT Credit is and they do not provide me with anything and would like this inaccurate inquiry removed

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 2018-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NC)

Complaint:
I have my checking account with Wells Fargo bank for about seventeen years, but I notice in the year XX/XX/XXXX that Wells Fargo had opened about four lines of credit on my name and only one of them had my consent. The problem started when the bank without authorization was doing automatic draft from my personal account and at the same time I was paying my obligation by check as a result the bank has an amount of {$45000.00} taken from my account between the years XX/XX/XXXX and XX/XX/XXXX.the reason because I am complaint at this time is because was to hard to get the bank information even though I visit the branch frequently and I have been in contact with personnel of the bank but I do not see the wiliness of Wells Fargo in dealing with the problem instead they address me to a third party that has nothing to do with the case. I am tired to visit Wells Fargo other locations with not result. in the present I do not have sufficient availability to hire a lawyer, I hope the laws and regulation to provide me protection on issues like the one I am facing now.

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