hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2018-01-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Global Credit & Collection Corporation (TX)

Complaint:
This call was from XXXX XXXX XXXX. They would not tell me what they were calling about unless I identified myself. My comment to them was " you called me, you must know my name ''. Their phone number is XXXX. My credit score is XXXX with one service and XXXX with anther. Why do you think they called me? I can answer that one - it is skip-tracing. I though that was made illegal in Texas during the last Legislative session.

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: 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. (FL)

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23
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 (TN)

Complaint:
A different address was added Also a personal loan has reported delinquent XXXX  times Ive paid them in small payments but they are still reporting

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 2023-06-12
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

Complaint:
I've now filed with you the CFPB ABOUT THIS SITUATION MORE THAN SEVERAL TIMES TO NO AVAIL! IT APPEARS THAT THE CFPB IS COMPLICIT WITH THE FACT THAT JPMORGAN CHASE HAS INFACT STOLEN MY ENTIRE SAVINGS ACCOUNT! 

*** ON XXXX XXXX I AWOKE TO EMAILS STATING MY BANK ACCOUNT AT XXXX XXXX  ( OWNED BY JPMORGAN CHASE BANK ) WAS BEING CLOSED! NO REASONS WERE GIVEN OR FOUND TO BE OF ANY FAULT OF MY OWN IN REGARDS TO SAID CLOSURE! I HAVE SCREENSHOTS OF MY BALANCES AND IN ONE DAY IT WENT FTOM OVER XXXX XXXX DOWN TO XXXX XXXX THEN TOO XXXX! I ONLY RECEIVED A CHECK FOR A LITTLE OVER {$800.00} AND JPMORGAN ACTUALLY BLOCKED ME FROM CASHING IT OR DEPOSITING IT INTO MY XXXX BANK ACCOUNT! I HAD TO CALL AND YELL AT THEM AS THEY WERENT MY BANK THAT I KNEW OF AS I HAD MY ACCOUNTS AT XXXX XXXX! UNBEKNOWNST TOO ME JPMORGAN CHASE OWNS XXXX XXXX  WHICH IS WHY THE FINAL CHECK ( THEY STATED IT WAS THE FINAL CHECK ) WAS DRAWN BY JPMORGAN CHASE. IVE REPEATEDLY ASKED THEM WHERE MY SAVINGS IS, THEYVE REPEATEDLY LIED AS THEY DID ABOUT THE FRAUD ON MY ACCOUNT! THEY KEPT TELLING ME ALL LAST SUMMER THAT THEY COULDNT SEE THE MESSAGES THAT THE COMPUTER WAS SENDING ME IN THE APP ON MY PHONE,? MAKES NO SENSE BECAUSE THOSE MSGS LISTED TRANSACTIONS AND SHOWED THE BALANCES AFTER SAID TRANSACTIONS! HOW CAN ANY BANK STATE THAT THEY DONT SEE THE MONEY? THEN HOW ARE THEY A BANK!??? THEYRE LIARS! THEY CLOSED THE ACCOUNTS BECAUSE AS THEY ALSO STATED TO ME : " IF THIS ACCOUNT GETS CLOSED, WE DONT HAVE TO REPAY YOU FOR ANY FRAUD OR THEFT ON OR IN YOUR ACCOUNTS!!! THEN LAUGHED AND HUNG UP, THEN BLOCKED MY NUMBER SO I COULDNT CALL THEM! THE MONEY THEY STOLE WAS FOT MY FIRST HOME! ID LIKE IT BACK WITH INTEREST AND FEES FOR THE THEFT OF IT IN THE FIRST PLACE! THANK YOU! *** SO WE'RE CLEAR HERE AND THERES NO MORE PROBLENS*** I WANT CHARGES BROUGHT AGAINST JPMORGAN CHASE BANK ! *** THEYRE THE ONES WHO ISSUED THE CHECK FOR THE CLOSURE OF ACCOUNTS SO THEYRE RESPONSIBLE FOR IT!!!! ....

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Advance America, Cash Advance Centers, Inc. (CA)

Complaint:
Dear Sirs I would truly like your help. In the year XX/XX/XXXX I filed for Bankruptcy. The judge told me in my first hearing that I was not to pay any bills going forward. The court, trustee and attorney fees took priority etc. I had a check from a PAY DAY loan and I asked about that as well and was told that NOTHING was to be paid. 

I was discharged in Bankruptcy Court on XX/XX/XXXX. From the beginning I notified every creditor that I had filed Bankruptcy including the Pay Day Loan people. 

XXXX XXXX continues to try to debit the money from the check the last being this week causing me overdraft fees of almost {$30.00} I am the sole support for my XXXX XXXX   daughter and XXXX grandchildren under the age of XXXX years old. The fees are devastating and should XXXX XXXX be able to take that {$300.00} now after almost two years it would be devastating and put me in a homeless situation. 

Please advise me as to what I can do to stop this terrorizing from this VENDOR. 

Best regards, XXXX ( XXXX ) XXXX Each time a man stands up for an ideal, or acts to improve the lot of others, or strikes out against injustice, he sends forth a tiny ripple of hope, and those ripples build a current which can sweep down the mightiest walls of oppression and resistance. XXXX XXXX -- -- - Forwarded Message -- -- - From : XXXX XXXX <XXXX> To : XXXX <XXXX> Sent : Wednesday, XX/XX/XXXX, XXXX XXXX PDT Subject : XXXX XXXX Fw : Important ACH Notice Good evening, I just sent an email to your company concerning my account. I filed for BANKRUPCTY mid to late XX/XX/XXXX and my BANKRUPTCY was cleared in XX/XX/XXXX. It included the checks written to your company however you are still trying to take the money out of my account which is causing me overdraft fees as you can this is the latest. I never EVER authorized auto deduction from my account. Why are you continuing to try to ROB my account of monies cleared through my BANKRUPTCY almost two years later and causing me stress, anguish and money I do not have. 

XX/XX/XXXX IMPORTANT ACH Overdraft Notice PHONE INQUIRIES TO : XXXX XXXX ( XXXX ) Account : XXXX Transactions posted on : XX/XX/XXXX Dear XXXX XXXX XXXX , The following ACH debit items were returned : Description Item # Amount Reason XXXX XXXX ( EDI PYMNTS ) XXXX {$300.00} NSF The following fees were charged to your account : Amount Type {$29.00} RETURNS 1 @ {$29.00}

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 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (NY)

Complaint:
I have settled and/or paid off accounts and they continue to report long after the stature of limitations.

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 2020-04-06
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. (NY)

Complaint:
Application for new credit card was submitted but credit bureaus ( all 3 ) had wrong phone number for me. Hard inquiry was submitted 3 times. Once problem was corrected credit card company agreed to submit request to remove the first two hard inquires. The only credit bureau refusing to remove the mistakes was Equifax, The other two credit bureau have successfully removed those inquires. I have even sent a copy of the letter from the credit card company which was furnished to me to Equifax by certified mail with return receipt. They are still refusing to remove those hard inquires. Inquires were from XXXX XXXX XXXX  dated XX/XX/2019 and XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
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. (NY)

Complaint:
I checked my personal credit report, which I acquired from your organization on XX/XX/2017 date of report ] and I noticed an unauthorized inquiry had been made. 

I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into [ XXXX XXXX ] inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.

Thank you for your assistance in this matter XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Renton Collections Inc. (LA)

Complaint:
I called Renton Collections today to pay a debt in collections from an ambulance ride I was given after having a XXXX XXXX shortly after Hurricane XXXX forced me to relocate from XXXX XXXX to the XXXX area. 

My credit report showed the debt as {$1000.00}. But when I gave my credit card information to the woman ( XXXX XXXX ) assisting me over the phone, she charged me {$1600.00}. She explained that the nearly XXXX additional dollars were due to interest. I agreed to pay that amount in full, but requested an itemized breakdown of the accrued interest showing how we got to that number today. 

She refused, and instead emailed me a proof of payment showing the total amount charged, but without explaining how that amount was arrived at. She told me that information would be available if I made a request in writing. I asked to speak with someone else in the organization who may be able to help. XXXX first refused to transfer me, explaining that she was the manager, but eventually transferred me to XXXX XXXX. 

XXXX also refused to provide me with any sort of written breakdown of the figure I had just paid. At one point he suggested that I was a criminal for " not paying to good doctors who provided me with such good service ''. 

XXXX transfered me back to XXXX. XXXX continued to refuse to provide me with the information I was requesting, showing how the debt increased. Both XXXX and XXXX told me multiple times to go to " XXXX and use the calculator to figure out how interest works. '' When I reminded XXXX that she had earlier offered to send me this information if I made a formal request, she backtracked and said that Renton Collections would forward my request to their lawyers and then decide if they could share anything with me. 

XXXX told me at the end of my call that I was a special case and that they were wiping my collection notice off of my credit report because they had never called me to tell me about the debt. She said that records showed they had mailed me once at a XXXX address that I do not actually live at. 

XXXX also suggested that she could put the debt collection notice back onto my credit report " if I wanted her to ''. 

I have an email from XXXXXXXXXXXX showing I paid {$1600.00} today, but have been refused an itemized breakdown of the debt, or even proof that the debt was owned by Renton Collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
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: Experian Information Solutions Inc. (FL)

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 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 XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (MI)

Complaint:
Discover Credit Card currently lists a charged off account on all three of my credit bureaus in the amount of {$1900.00}. This account does not belong to me and should be immediately deleted. I am a victim of identity theft, please see FTC Report. I have attempted to contact Discover ; however, I have yet to receive a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect (NJ)

Complaint:
Not my account. Company lacks any legal obligation or contract. I've never done business with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
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. (MS)

Complaint:
I have been trying to get a new car and when I was turned down I pulled my credit report, and I was furious! I have no knowledge of the debt that is listed and I have become very upset! Please help me, These accounts are not mine, I have tried to get all these accounts removed and have been unsuccessful! Please help me!! Remove these accounts please! XXXX XXXX is not my debt, I have no knowledge of this account! XXXX XXXX XXXX, I have no knowledge of this debt, it is not mine! There are two student loans reporting from XXXX XXXX XXXX XXXX XXXX. These are not mine, I have never been to or attended a college!. XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX are also reporting on my account and they are not mine either! There are 4 accounts that are closed! They are XXXX XXXX XXXX ( which is reporting twice! ) XXXX/ XXXX, and XXXX XXXX !! Remove these accounts! It should not be legal to report these accounts and I have informed these companies that these accounts are not mine! I have a load of inquiries that need to be removed as well, because they are in authorized! XXXX XXXX XXXX unauthorized XXXX XXXX XXXX- unauthorized XXXX- unauthorized XXXXunauthorized XXXX XXXX XXXX- unauthorized XXXX unauthorized XXXX unauthorized XXXX XXXX XXXX- unauthorized XXXX- unauthorized XXXX XXXX- unauthorized XXXX unauthorized XXXX XXXX XXXX unauthorized XXXX XXXX- unauthorized Please remove these accounts!! I am furious and ready to take action because these accounts are reporting and do not belong to me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
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. (AZ)

Complaint:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use it. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
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. (GA)

Complaint:
Fraudulent inquiries on my credit report attached is documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Complaint:
Experian continues to report late payment history for XXXX acct XXXX thru and including XX/XX/XXXX regardless that the account was forgiven in full with a zero balance with a XXXX inXX/XX/XXXX. 

Experian also continues to report late payment history for the XXXX XXXX/XXXX acct XXXX for the months of XX/XX/XXXX& XX/XX/XXXX regardless that the account was settled in XX/XX/XXXX. 

Both of these constitute false reporting by Experian since the account was fully resolved, the balance is XXXX and there is XXXX past due amount. Both XXXX and XXXX have correctly stopped reporting delinquent payment history following the dates the two accounts were resolved ( see attached credit report ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (PA)

Complaint:
On XX/XX/XXXX XXXX XXXX I received an email from XXXX that they received my online payment of {$21.00}, confirmation number XXXX. XX/XX/XXXX was the due date and made my payment on the due date. Since then I have received countless emails indicating my monthly payment was past due and this morning I received a computerized phone call from Citibank ( I guess they handle XXXX credit cards ) indicating my payment is past due and that is not accurate, my payment was made on time. I eventually got to speak to a representative during the computerized phone call but the call was quickly disconnected. I called the toll-free number provided, spoke to a representative from Citibank, gave him the confirmation number of my payment and he said the payment takes a few days to process but he would update the records, but I don't want to be continually harrassed every month when making my monthly payment on a timely basis because XXXX XXXX system takes a few days to process the payment. This harassment has to stop, the emails and phone calls are not necessary.

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 2019-03-05
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. (FL)

Complaint:
On my Equifax credit report they still have a inquiry from XXXX XXXX XXXX XXXX  XXXX XXXX this inquiry was done due to identity theft your company took off XXXX XXXX XXXX  so why not this one too? XXXX XXXX still has XXXX? Still one here on my credit report after 90 days. Still have not taken this inquiry off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (CA)

Complaint:
I am in a homeless shelter in XXXX XXXX and need medication I have an emergency. My debit card number is : XXXX. My name is XXXX XXXX XXXX. My email is XXXX. My phone is XXXX. I need medication and need to reach someone immediately. Preferably a supervisor. There must be someone in charge even though it is XXXX XXXX weekend and there is limited contact because of the virus. But there must be someone in charge for emergencies. My account was closed because I had a negative balance of {$290.00}. Which is fine. I don't want to bank with a bank that won't give a customer time to cover a negative balance. I am homeless and living in a shelter but was XXXX. A charity deposited {$5000.00} for me. I called to get the money from the deposited check released but they told me the check was no good. This is ridiculous. It is a reputable charity and credit union and the check is perfectly good. The validity of the check that was deposited can be easily checked with the head of the charity or the credit union it came from. Of course, the negative balance can be deducted. 
I need emergency access to the funds. I have called many different Chase numbers. At first, it's 24-hour customer service line answered. I called 3 times and explained the situation and to please get  me in touch with whoever was in charge of emergencies. I was switched to a department that was closed every time and got a recording and a disconnect. I called every other number I could find for Chase and they all had recordings saying they were closed. 
I don't know if there is a specific rule requiring banks to have someone on call at all times for emergencies, but there should be. Especially a bank as large as Chase. I posted what was going on on the XXXX  XXXX account by mistake and they responded within an hour. 
I do know there are many rules and policies requiring banks to make funds available from deposited checks. The FDIC policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. 
Under TheExpedited Funds Availability Act there are time limits too. 
I don't know what Chase used to determine that the deposit in question was suspicious for fraud, but whatever they did was obviously deficient. The supervisor I talked to only took less than 5 minutes to check. At least as a practical matter, banks should be required to be sure they have in place a reliable system.

Company response to consumer: Closed with explanation