hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2019-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (TN)

Complaint:
I am a customer of American Express credit card since XXXX. I have never had a payment problem with Amex.My current net worth in liquid assets is more than XXXX XXXX dollars. 
In XX/XX/XXXX, I submitted an application online for a Delta Skymiles Platinum Card issued by American Express. Amex denied the application stating that there was an instance where a payment was returned to American Express by my bank. I had a typo on my account number when I set up a new bank account for payment of Balance Due on the Amex Statement. I had rectified the problem immediately. 
I called the Amex 800 number and explained the situation and pointed out that I had been member since XXXX and that until very recently I had an Amex Platinum Card. I have never had a payment problem.They said they will review and let me know. I received a regret letter by US Mail dated XX/XX/XXXX. 
I called the Amex XXXX number and talked to a woman who would only give her first name XXXX. I wanted to know who made the decision and if I could speak to the person. She said that is not possible. I informed her that I will submit a complaint with CFPB. She said some one will get back to me. No one has.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

Complaint:
TOO MANY OVERDRAFT FEES

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
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. (OH)

Complaint:
I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (TX)

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to 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 monetary relief
Consumer complaint received 2021-07-06
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 have perfect credit but a collection has showed up. I contacted the company and I didnt get much but it being a medical bill. It very much doesnt sound like 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 2019-02-26
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: Experian Information Solutions Inc. (GA)

Complaint:
I have contacted this bureau over 45 days ago to remove all unauthorized inquiries listed below. I have not heard back from them and every time I call i get a different story. They are not willing to cooperate in removing these unauthorized inquiries they are reporting that do not belong to me. This needs to be fixed because it is wrong. This is holding me back from obtaining good credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-15
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. (AL)

Complaint:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmerAssist A/R Solutions, Inc. (CA)

Complaint:
My XXXX XXXXXXXX XXXX XXXX sent me for XXXX XXXX XXXX XXXX  to one of their partner offices XXXX XXXX XXXX, I had to pay for many services like exams again. After all I paid {$45.00} for visit, {$610.00} for the job after the insurance covering {$270.00}, - of it. Now after a few weeks I received another letter from their office for {$210.00},- and at the same time I received a letter from the mentioned debt collector Amer Assist for the {$210.00}, - When I called the dental office they just said that they will ask a manager to call me. But that never happened. After contacting my insurance they gave me the numbers they paid to the XXXXl office and it clearly showed that I was over charged. So they also told me that they will send a letter to them to refund me the balance. 
Explaining all this to Amer Assist I was told that if I dont pay it will be reported to the collections. The only chance was to pay them or have the XXXX XXXX  contacting the collections to remove their request. 
First I dont understand how rude can the XXXX office be, by sending the request to me and to the debt collectors at the same. 
Second how come that Amer Assist didnt even take the effort to look at the bill and bring to their attention that their bill was sent to them immediately when it was sent to me at the same time. I didnt get a chance to pay it. Now it is forced this way. 
No problem that {$210.00} will not kill me. But Ill see them at the small claims court. 

Welcome to America, Big eats Small

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 2022-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

Complaint:
On XX/XX/XXXX I received letters from Synchrony Bank that my credit cards I possessed with them have been cancelled and closed based on activity on the accounts indicative of high risk of failure to pay. I have several years with these cards and most of these cards were issued when I did have good credit. Since 2 years ago, and during the pandemic my income did decrease as I got a divorce, my mom died during the pandemic and I lost my job and cared for my mom to take care of her. I moved in with her and cared for her as she developed XXXX XXXX and eventually died on XX/XX/XXXX. I was caring for her household and my own home which was located XXXX hours away. My income did decrease and since have gained employment and obtaining social security benefits as I will be XXXX this year. Most of my cards were in good terms and i have auto pay as I worked very hard to maintain good credit with synchrony and now they have cancelled all my cards with the company and of course my credit has hit rock bottom. I understand the terms that they have every right to cancel at any time, but it makes me upset they did it unexpectedly and while many of my cards were in good standing and it wasnt until I tried to use them that I understand they were cancelled by Synchrony. They monopolize the issuance of these cards and now I an stuck with paying them with very high interest rates. I would like to have them be reinstated if possible or offer a mutual agreement to decrease interest rate so that i can work out payment arrangements that fit my budget.

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 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Complaint:
XXXX XXXX has been violating me and has willfully continued to do so. After multiple consumer reports this item has yet to be removed or corrected. every item that's on my consumer reports suppose to be reinvestigated so how am I still recognizing inaccuracies. 

15 U.S.C. 1681n ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( a ) ANY ACTUAL DAMAGES SUBSTAINED BYT THE CONSUMER AS A RESULT OF THE FAILURE OR DAMAGES OF NOT LESS THAN {$100.00} AND NOT MORE THAN {$1000.00}, WHICH EVER IS GREATER ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Higher Level Processing (TX)

Complaint:
Ive been with the the company higher level processing for at least 7 years. I was told when I enrolled that my loan withdrew be forgiven after 5 years in a title 1 school. And yet Im still paying. They constantly change the story and plan even when I dont authorize it. Ive tried to ask to talk to a supervisor and never get to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
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: BBVA FINANCIAL CORPORATION (TX)

Complaint:
I am a victim of identity theft and have had my information compromised several times. I have submitted documentation to compass bank and XXXX XXXX credit card several times pertaining to fraud on my bank account and credit cards to which I have not received any phone calls or assistance in resolving. In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX my account was compromised as well as in XX/XX/XXXX and XX/XX/XXXX. I have completed a police report in reference to said incident in which someone gained access to my XXXX XXXX account and processed a fraudulent transaction. This has caused many issues with my checking account in which the bank acknowledge and funds were released to said creditors. Compass bank has failed act reasonably to aid in this issue and closed my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Complaint:
In contempt of my previous written requests, the unverified account listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to correct the account in my credit file. This is the inaccurate account : XXXX XXXX Balance : {$660.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SYNCHRONY FINANCIAL (PA)

Complaint:
Account was closed then did not get any notification that it was reopened and destroyed my credit in the same day I found out.

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 2023-01-24
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. (TN)

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX and associates, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Complaint:
TransUnion and XXXX are reporting medical debt that is less than {$500.00} and I have requested that this be removed. The companies have not removed the debt. 

The debt listed is {$320.00} Creditors collection service

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 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
I have repeatedly asked all 3 bureaus to remove these unauthorized inquiries, XXXX  claims that they were not reporting but as I view my credit reports they are still reporting. There is 0 proof that I authorized any of these inquiries, the burden of proof lies on the bureaus, I demand that these bureaus remove these unauthorized inquires immediately! There are no accounts attached to any of the inquiries that are listed below ... 

XXXX XXXX, XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXXXXXX XXXX XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 US SM BUS ADMIN ODA XX/XX/2020

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 2021-01-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Complaint:
I recently obtained copies of my consumer report and noticed unauthorized inaccurate items reporting. I am well educated and highly intelligent and am very well aware of my rights as a consumer. The fair credit reporting act requires that you, the credit reporting agency, report accurate and or/correct account information within my credit file. These accounts do not belong to me. This means that you are reporting inaccurate information within my credit report. It is with this in mind that I request that these listed accounts and items be removed immediately. Pursuant to the FCRA Section 1681 c ( 2 ) Block of Information resulting from identity theft, you are required to block any information in my consumer file that is a result of identity theft, not later than four ( 4 ) business days after the date of receipt by such agency.

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 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Complaint:
I paid off the account earlier in the year and put the card in my drawer because i dont use it. All of a sudden in XXXX I get a notice on my credit report that there is a 30 day late reported. I called XXXX and told them it was fraudulent charges for a subscription I didnt subscribe to but not only that my account was set up on auto pay as I have NEVER been late. They said they would look into it and remove the negative reporting. In the meantime I paid the past due balance and they actually owe me money. They never removed the negative reporting so I called again and they said it would be taken care of-which they did nothing again. I am a long time card holder and have never been late on any of my credit cards and they actually owe me money.

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 2017-06-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (IL)

Complaint:
On X/X/2017 We made a purchase at XXXX for {$9.00} We were unaware that our account had a negative balance of $ ( -XXXX ) ( which was caused by the monthly fee of {$6.00} the bank charges every month ). Even though the account was negative, US Bank approved the charge for {$9.00}, causing the account to overdrawn even more to end up with a new negative balance of ( - {$12.00} ) On X/X/2017 US Bank charged an outrageous fee of {$36.00} because the account was overdrawn and they also charged a {$25.00} for extended overdraft, leaving us with a new balance of $ ( -XXXX ). US Bank never attempted to inform the account was overdrawn. We did n't receive any emails, text, letters or calls to notify us. Then on X/XX/2017, X/XX/2017, and X/XX/2017 US Bank decided to keep charging extended overdraft fees for the amount of {$25.00} each. We ended up with a negative balance of $ ( -XXXX ) on X/XX/2017. This is the most expensive trip to XXXX I 've had, and we only buy coffee there very rarely. I wish the card had been declined at POS. Please help us solve this. It is ridiculous to get charged a total of {$130.00} in overdraft fees for a charge of {$9.00}.

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 2020-06-02
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (TX)

Complaint:
I XXXX XXXX on XXXX XXXX deposited a third party cashiers check in the amount of {$9000.00} into my Chase bank savings account. On XX/XX/2020 I checked my accounts and found XXXX balances in my savings account and my checking account. I called Chase bank and was told that they have frozen all of my funds and closed my accounts. The cashiers check was made by an XXXX XXXX to my fianc XXXX XXXX. Both XXXX XXXX and XXXX XXXX went to Chase bank with me. They showed the branch manager their ID 's and informed that everything was fine and no fraudulent activity what so ever has occurred. Chase bank has taken {$12000.00} and I have no idea when or if will be able to get it back. Also Chase bank has taken away my ability to view all of me paperless bank statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Atlanticus Services Corporation (PA)

Complaint:
Nonstop calls from different numbers, all hours, saying my credit will be damaged, Ill be held a penalty. Asked to stop contacting me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation