hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Complaint:
XX/XX/XXXX my fees they are not wave if I go under a 100 I can't go under a 100 dollars an I do direct deposit An they charge for money orders XXXX dollars

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 2021-08-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CO)

Complaint:
not owed. Attempting to collect a debt that not owed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (MN)

Complaint:
Had identity theft in XX/XX/2017. Reported to police. Thief caught and charged. 
Now, 3 years later, I'm getting debt collection on one of the illegally opened fraudulent accounts. The amount is {$590.00}. 
The original company was XXXX XXXX XXXX XXXX, the debt collector is 'Jefferson Capital Systems ' . 
I recall speaking to XXXX, asked them to send me evidence and i.d . of credit applicant and to cease and desist. I did not receive any legal identity documents/furnishings, but it was taken off my credit report. 
Now, years later they are sending me collection notices, without any proof of my i.d . 
I had and still have a fraud alert active, and one caveat is that they need to call my personal phone for any credit applications. Which, clearly, they did not, but still approval the fraudulent application. 
Between myself and the authorities, we quelled 38 such credit applications. 
Now this one has appeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

Complaint:
I purchased a new XXXX XXXX XXXX with a 60-month 0.9 % loan from Toyota Financial Services ( TFS ) at the dealership. I purchased an extended warranty at the same time. I then called my auto insurance company and realized that the extended warranty duplicated existing coverage. I terminated the extended warranty 48 hours after purchase, as permitted in the contract. The total amount of the auto loan was reduced accordingly. However, TFS says that the monthly payment amount on the loan will not be reduced. Instead the term of the loan will be reduced. 

I signed up for a 0.9 percent loan for 60 months. At the current monthly repayment amount, the loan will be repaid in 56 months. Shouldn't the 60 month term of the loan in the contract be honored? I was allowed to cancel the extended warranty without penalty. Requiring me to pay back the loan 4 months earlier seems to constitute a penalty. 

I have said this to TFS by phone and letter and they say that what they are doing is " standard practice. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
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:
I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 explanation
Consumer complaint received 2021-03-19
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. (NY)

Complaint:
I recently pull my credit and noticed that there was numerous inquiries on my credit report. I reached out to all 3 of the credit bureaus to get them removed. They explained that i need a file a police report or get an identity theft report.I have the FTC report along with my drivers license. I am requesting to have these items removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: National Credit Adjusters, LLC (TX)

Complaint:
A woman by the name of XXXX XXXX called my daughter XXXX on her phone and got hostile n began making threatening comments about me. The comments consisted of a payday loan I had taken out with XXXX XXXX and got behind on payments due to getting COVID XXXX in 7 months XXXX a XXXX XXXX and XXXX XXXX  due to long XXXX. XXXX XXXX proceeded to make threatening comments of going after my XXXX check n holding it until the court was concluded along with me being sued. My daughter believing it was real gave me the number n I called XXXX XXXX back at which time she became hostile and threatening with me saying they were filing in XXXX county against me and she hung up. 

My daughter 's believing this was a true company and seamed real wanted me to call back. I did! I then spoke with a girl who said her name was XXXX at ext. XXXX and began to explain things in a somewhat calmer manner. I still was in my mind questioning this call XXXX began asking the name of the Company. At that time they told me XXXX XXXX XXXX. I then said what's your address and was rudely told they couldn't give that out do to safety reasons. When I questioned them about this XXXX XXXX became irritated. I continued on with setting up this payment plan even though I felt something was off. That's when I gave my debit card number and made a payment of {$180.00} and a schedule of payments of {$160.00} a month for 10 months. This was on XX/XX/2022. With a confirmation number of XXXX on acct. XXXX payment to XXXX XXXX. After I hung up I immediately called XXXX XXXX n found out that they had not sold my debt to anyone n no payment plan was set up. Embarrassed, I called my bank n cancelled my bank card n spoke to bookkeeping to file a fraud complaint on my account. I am set to do that on XX/XX/2022 @ XXXX. I've been embarrassed n called stupid by the people at this fake company n this should not happen to anyone ever. Please help me with this complaint so they don't get to any one else. They had my daughter 's phone numbers n XXXX only knows what else they have. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
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: SYNCHRONY FINANCIAL (LA)

Complaint:
The card was originally a credit building card in which I placed a {$100.00} deposit. In XXXX of 2022, I called the company requesting that the deposit be sent back to me as the card had since been closed. The company informed me that a check had already been sent out, but I never received it, and the company stated the check had never been cashed. The company voided the check and reissued it. At some point during that action, a {$100.00} charge was posted to my account by the company for this. 

I was only informed of the charge when I began accruing interest on it. I called the company several times over the course of the next eight months trying to resolve this charge. Each time I called, I was informed in no uncertain terms that the charge was going to be removed from my account and to disregard further communications as it would take time for systems to update. The charge was not removed, and has since accrued over {$200.00} of interest. This has been harming my credit score over the last eight months as well, preventing applications to other credit institutions. 

I have spent several hours on the phone with the company in attempts to resolve this. Each time I call, representatives make promises about the removal of the charge, and the next representative informs me that there was no action taken and the charges continue accruing. I have spoken with supervisors, I have spoken with various departments, I have done all due diligence possible, and the company continues giving me the run around and refusing to remove the superfluous charges. 

This has become an extended scam where the company promises resolution while letting interest charges rack up on the card, holding my credit hostage to force me to pay charges I never accrued.

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 2019-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Complaint:
Yesterday on XX/XX/XXXX of 2018 capital one closed my credit card due to 3 return payments. After the first two retired payments in XXXX I called caplital one to see why the payments werent goin mg through. I talk to a supervisor she checked my account routing and transit number and made a suggestion that we check for accuracy on the number and it would be best to reset the account and routing number from my bank account. She then advised me to try the payment again and if it fails to call back. On XX/XX/XXXX I tried to make a payment of {$200.00} which also was returned. yesterday on XX/XX/XXXX I called Capital One to see what the issue was upon calling them I found out my account was restricted and then closed the same day. When I talk to the fraud department they said that my account was closed due to the THREE return payments and it was a violation of their policy .When I spoke to the supervisor from Capital One about the first to return payments she advised me to make another payment and if it returns to call capital One back I dont understand how my account was closed if I supervisor from Capital One are representative of Capital One advise me to make a third payment which led to the closure of my count I called capital One yesterday on XX/XX/XXXX to which they were not helpful at all they said that theres nothing they can do even though the supervisor from a previous phone call advise me to make a third transaction with my bank account. when I spoke to the supervisor from Capital One about the first to return payments she advised me to make another payment and if it returns to call capital one back I dont understand how my account was closed if I supervisor from Capital One are representative of capital one advised me to make a third payment which led to the closure of my account I called Capital One yesterday on XX/XX/XXXX to which they were not helpful at all they said that theres nothing they could do even though the supervisor from a previous phone call advise me to make a third transaction with my bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2017-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Complaint:
On  XXXX   XXXX ,  XXXX  I entered into a 24 month lease for a new  XXXX   XXXX   XXXX  with creditor  XXXX   XXXX   XXXX   XXXX   XXXX   (   XXXX   ).  Note, that the contract did not asses s a Disposition Fee upon return of the vehicle ( see attached contract ). The first lease payment of {$100.00} was due upon signing the lease ( see attached contract ). The subsequent 23 lease payments were paid in one lump sum, totaling {$2400.00}, and was receive d by  XXXX  on  XXXX / XXXX / XXXX  ( see attached   XXXX    statement ). At the end of the lease the vehicle underwent a Lease Termination Inspection and there were no charges as sessed for either Normal Wear & Use or Excess Wear & Use ( see attached inspection report ). T he vehicle was returned to the dealership where it was purchased in  XXXX  of  XXXX . There was not a problem with this account until  XXXX   XXXX .  XXXX  fraudulently reported to the  XXXX  major crredit bureaus that I still owed a lease payment of {$100.00} in addition to a {$5.00} late charge thus totaling {$110.00}. I 've disputed this with the credit bureaus supplying them with the proof attached hereto but they have not removed this fraudulent charge because  XXXX  's electronic response to the credit bureaus is " this account is being reported correctly. '' On a recorded line with   XXXX   on  XXXX / XXXX / XXXX  a  XXXX  representative stated that the {$110.00} charge is NOT owed but still on my account because they have not y et received a " signed odometer statement from the dealership. '' Whether or not   XXXX   ever receives a signed odometer statement from the dealership, that has since changed ownership, does not give this creditor the authority to commit fraud against my credit history causing an unjust, significant decrease in my credit score due to thier fraudulence.

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 2021-10-07
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: ROBINHOOD MARKETS INC. (NJ)

Complaint:
Robinhood lied to Congress about their lack of support system and that has not changed. Trying to deactivate your account is hard coded to fail and sends you to an email form. I have demanded multiple times that I no longer authorize this account and they refuse to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
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:
It's not my accounts and inquiries.I never applied for it. I never sign anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2019-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Complaint:
Card Issuer : Bank of America Credit Card, XXXX XXXX  : Unapproved merchant declaration of charges. Fees were not reimbursed. 

The point when charged were constructed I was in ownership about card. 

Another Witness : Any voicemail demonstrating all transactions associated with it. 

Suspect fraudulently utilizing my card : XXXX XXXX  I have not utilized alternately authorized whatever one to utilize my charge card//credit card. Attachments : Copies of company policies and procedures. Bank record copies. Act-related copies of invoices. Exactly voicemail speaking to every one related transactions. Record audits to determine the amount of loss. 

Discrepancies also surprising transactions on invoice. 

The vendor 's expressions alternately regulate activities about starting with the following impacts of the individuals ' condition. 

Listed persons are in custody and control of the originals.

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 2021-01-19
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:
After carefully reviewing my credit report and disputing inaccurate reporting from the alleged account XXXX XXXX XXXX  ; Experian continues to violate my rights. no proper and accurate investigation has been completed on my behalf as requested. XXXX XXXX XXXX continues to damage my Character and has caused a great amount of discreditability to my name. XXXX  and Experian continue to report errors such as different dates of last active on account and have not provided proof of investigation for accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
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. (NY)

Complaint:
My personal information was stolen in XXXX, since then Ive been seeing unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my Experian, XXXX and XXXX consumer credit bureaus. I would like the following fraudulent accounts and inquiries removed from my credit report immediately. 

XXXX XXXX XXXX Account number : XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX : XX/XX/XXXX US SM BUS ADMIN ODA Inquiry XXXX XX/XX/XXXX 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 an account without my handwritten instructions.

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 2021-02-23
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. (IL)

Complaint:
Accounts that are not mine are being reported on my credit report XXXX there is no balance but this account does not belong to me. 
XXXX XXXX balance {$750.00} being reported but account is not mine. 
XXXX account does not belong to me. 

Paid for deletion and is still being reported : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) {$180.00} XXXX XXXX was included in bankruptcy but still being reported negatively. 
XXXX XXXX XXXX  payment history being reported inaccurately. 30 day late payment. Account was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
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: ALLY FINANCIAL INC. (TX)

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute certain information on my credit report based on my rights under the Fair Credit Reporting Act ( FCRA ). The specific sections I am referencing include : 15 USC 1681 Section 602 - This section establishes my right to privacy. The information being reported violates this right as it inaccurately represents my financial behaviors. 

1

5 USC 1681 Section 604 - According to this section, a consumer reporting agency may not furnish a report without my written instruction. I have not provided such instruction for the items I am disputing. 15 USC 1666B - This section states that a creditor may not treat a payment on a credit card account under an open-end consumer credit report for any reason. The items I am disputing seem to violate this provision. 

The following items on my credit report are inaccurate and need to be addressed : ALLY FINANCIAL - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX I ask that they be removed or corrected on my credit report. If these items are verified, I request written documentation that confirms their accuracy. 

Thank you for your attention to this serious matter. I trust that the CFPB will ensure my rights under the FCRA are upheld and that this dispute will be handled with the urgency and seriousness it deserves.

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