hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-04-14
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

Complaint:
In XX/XX/2020, I received an invitation from Citi to open a money market account. It stated that if I was to open this account, and deposit {$50000.00}, I would be eligible for a {$700.00} bonus offer. After receiving this offer, I applied and opened the account. I never received any sort of confirmation that this account was opened successfully. 

I then called and spoke with various customer service representatives who all confirmed my eligibility for this promotion. To make a long story short, after I made my deposit, I received a notice stating that I wasn't eligible since I had an account with them in the past. 

I have tried multiple times to resolve this issue with Citi, even escalating it to their " executive division ''. Their last correspondence to me states that they " reviewed my telephone interaction with the agents and confirm that they confirmed eligibility '', however, they are still standing with their decision not to honor the bonus. I believe this to be a complete bait and switch. 

I have attached my last letter to them ( dated XX/XX/XXXX ) and their response to me XXXX dated 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 explanation
Consumer complaint received 2019-09-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: AES/PHEAA (PA)

Complaint:
I am in the process of refinancing my house and during the title search 5 liens have appeared on the property in the process of investigating I have found 2 that are not in my name 1 I have identified but 2 I can not identify apparently there under a company that is no longer in business or was sold and can not find where the debt is. The 2 I am concerned about is lines 1 and 3 I know my wife 's we located that and the National Collegiate Trust   has 2 names XXXX XXXX AKA XXXX XXXX XXXX on the last 2 I would like to know how to remove them since they are not in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (FL)

Complaint:
I rented a car in XXXX and the car rental agency made a fraudulent charge to my card for a fake damage claim. I provided the credit card company with a mountain of evidence about the fraudulent activities at this rental car company but they simply ignored my dispute and quietly snuck the charge back on my statement about 60 days later on XX/XX/XXXX. This is absolutely criminal fraud, there is no way I am legally responsible for it. I have provided a huge amount of evidence and even before and after pictures of the car. Online reviews show that this company is completely fraudulent, basically they charge all renters huge sums for fake damage on their old broken cars. 

It's also relevant that the company charged my card XXXX DAYS AFTER RETURNING THE CAR. This alone should not be allowed. 

I have extensive photos of the car upon return but this form doesn't allow XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-09
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. (MS)

Complaint:
XXXX, Equifax and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and there is no third party involved in the process. This complaint is for false reporting of misleading information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

Complaint:
File two complaints with Experian XX/XX/2023 XX/XX/2023 Delivered Certified mail return recite, Experian failed to start or Investagate disputes

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 2021-01-08
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

Complaint:
87th REQUEST re : account # XXXX XXXX XXXX and XXXX # XXXX emailed to XXXX, XXXX, XXXX, XXXX Good morning XXXX XXXX XXXX  : This replies to your XX/XX/XXXX, XXXX XXXX  attached email ( Nissan Owner Services, Nissan North America , One Nissan Way , XXXX, TN XXXX, ref : XXXX : ref ). Please immediately return email all duly executed legal documents Nissan used to create my ( fraudulent ) lease obligation. Furthermore : After my 18th email request for a copy of all duly executed legal documents Nissan finally emailed Fri, XX/XX/XXXX, XXXX XXXX, XXXX and later Mon, XX/XX/XXXX, XXXX XXXX  : Dear XXXX, Thank you for contacting Nissan. To discuss your Nissan Motor Acceptance Corporation account, please contact an NMAC Representative Nissan refused to email requested duly executed legal documents creating the alleged lease obligation. 
Additionally, XXXX XXXX XXXX emailed : Fri, XX/XX/XXXX, XXXX Case # XXXX, Tue XX/XX/XXXX case # XXXX @ XXXX, # XXXX @ XXXX and Case # XXXX XXXX, XXXX, XXXX : Dear XXXX XXXX, Thank you for contacting Nissan regarding the finance questions you haveplease contact Nissan Motor Acceptance Corporationso they can address all of your questions related to your private financial information. Again Nissan refused to email requested duly executed legal documents creating the alleged lease obligation. 
Please immediately email XXXX all legal agreement ( s ) you manufactured to establish your falsely alleged, account # XXXX XXXX XXXX, lease obligation. 
XXXX  on XX/XX/XXXX credit report # XXXX, having not emailed the above Nissan legal agreement ( s ) you expanded your supporting corruption with this false statement : " ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. '' I never made this statement as falsely alleged by XXXX. 
XXXX  you further obstructed with this statement " if you believe this information appears on your Credit Report as a result of identity theft ... Report # XXXX ''. 
XXXX and XXXX, please be advised of pending damages resulting from your XX/XX/XXXX false credit reports to XXXX XXXX XXXX  XXXX. 

Respectfully :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
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. (FL)

Complaint:
In accordance with the Fair Credit Report act, Equifax Credit Information Services INC, 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 an account without my written instructions. 
I have several inquiries on my credit reports that I don't recognize, and I reported them to Equifax and no action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

Complaint:
On XX/XX/2018 we purchased a piece of furniture from XXXX XXXX XXXX in XXXX, NV. We were told it could be delivered to our residence. They had us apply for a credit card through Synchrony Bank to receive 0 % financing. We have gotten notices that it would be delivered. It has not been delivered and yet we can not cancel the order or the card. We have tried to contact the store, to no avail and the corporate office with no help! Consumer Fraud! Please help. The amount for the purchase is {$1400.00}.

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 2020-12-30
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. (MI)

Complaint:
I have contacted Experian by mail about the credit card usage percentage that is incorrectly reporting. I have not received a response about the credit usage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
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: CITIBANK, N.A. (TX)

Complaint:
I called for my Home Depot Store credit card for adding my spouse as authorized user. I also asked them to increase my credit limit from {$500.00} to {$1500.00}. Why this credit limit is showing up on my spouse 's credit profile or SSN? 
Called Home depot today morning. When wanted to talk to the supervisor, the call was deliberately dropped.

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 2022-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Complaint:
I am Disputing the following account for incorrectly and inaccurately reporting 5 late payments for this account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, and due to the FCRA law and My Rights I want the following account deleted from my credit report and credit file I have also included Proof of Payments Account Name : XXXX XXXX XXXX XXXX  account number XXXX account number : XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
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:
XXXX true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity Please block this information from report XXXX Report Number : XXXX Account Name : XXXX XXXX XXXX. Account Number XXXX Date Opened XX/XX/XXXX Account Number : XXXX Date Opened XX/XX/XXXX XXXX  XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX XX/XX/XXXX Equifax : XXXX Account Name : XXXX XXXX XXXX account number # XXXX dated open XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX File NumberXXXX Account Name : XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Account Number XXXX Date Opened XX/XX/XXXX Account Name : I XXXX XXXX XXXX  ACCOUNT NUMBER # XXXX DATED XX/XX/XXXX Account Name : XXXX XXXX  XXXX ACCOUNT NUMBER # XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX XX/XX/XXXX also address listed on my report ive never lived at XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX, GA XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX , GA XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX, GA XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX, GA XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX  XXXX XXXX XXXX, GA XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX  COMPLEX XXXX XXXX XXXX XXXX, GA XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ive been attempting to clear my credit report of these fraudulent items as far back of XXXX and have not successful

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
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. (MD)

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30,60, or 90 days late in the month of XX/XX/2017. I'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Complaint:
Where do I start during the pandemic I was issued a prepared debit card for unemploymet.I in XXXX opened XXXX claims.both claims were around the same time which. One claim was honored and one was not The excuses they told me why was because to much time had passed by .and I'm responsible for the unauthorized transactions.I have a big problem with this .being that one was already honored .so they re opened the claim they requested me to fax them a copy of my driver licence, a police report, and a letter of me explaining what had happened so I did all that for them .in order to help with their investigation.it is now almost going into XXXXand I can't tell you how many times I have reopened this claim.their excuses for not honoring my claim have no merit.because the other one was honored.and let me tell you that I was unaware and unable to ever see my online account because bank of america was constantly having my account frozen.passwords were not working it was so traumatizing for me at that time I I had become XXXX  it was winter I had no heat in my rv.because I was unable to have any access to my account.to get money for gas to run my generator.my parrots almost died for days I cryed please god let them turn my money back on to survive during this dezaster .they even laughed at me on the phone explaining my sufferiing.I just get the runaround.good greef. This is so not fair sincerely 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 2023-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

Complaint:
I have been trying to get my credited amount of XXXX dollars on my account since XXXX of XXXX to no avail. 

Purchase made in XXXX of XXXX in the amount of XXXX to a credit card from Bank of America. Total balance was paid off in XXXX of XXXX. 
I was notified in XXXX that this was a fraudulent transaction and began the process of reporting this to B of A and to get it resolved. 
Received a letter on XX/XX/XXXX to let me know B of A was working on my request and to send any information that I had to support my case. That information was sent. 
Next letter came on XX/XX/XXXX that they needed my signature to continue. Signed on XX/XX/XXXX and sent back to them. 
Next letter received on XX/XX/XXXX that they were working on the claim. 
Next letter received on XX/XX/XXXX they were going to temporarily credit my account in the amount of XXXX dollars. Which they did but this went into a new account number. 
Next letter dated XX/XX/XXXX said " the pending transactions I reported as suspicious never posted to my account. '' Which it had as by the enclosed statement from XXXX XXXX XXXX XXXX and was paid off. Therefore they consider my account resolved. This now shows a XXXX dollar credit in my new account and has every statement since to date. 
I started calling customer service in the beginning of XX/XX/XXXX to get this money refunded to me. Told they would send but would take 10 to 21 days to receive. 
Called again on XX/XX/XXXX since I did not receive it. Again I was told the same thing. 
Called XX/XX/XXXX then the beginning of XXXX and spoke to XXXX and then to XXXX. At the end of XXXX I spoke to XXXX. On XX/XX/XXXX I spoke to XXXX after a few minutes I asked to speak to a manager who I was told was a XXXX XXXX. I only got relayed messages from her through XXXX. She did not allow me to speak directly to XXXX. Was told by all they would send me a check but would take 10 to 21 days. 
I am now reporting this incident to you to see if I can get this resolved.

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 2023-06-09
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. (FL)

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX, XX/XX/1986, XXXX XXXX XXXX XXXX : {$4500.00}, XXXX XXXXXXXX Balance : {$760.00}, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc (FL)

Complaint:
This account was paid in full and it is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (TN)

Complaint:
I bought a guitar on XX/XX/22 from XXXX using my PayPal Credit account. A few days later, I received a keychain in the mail and not the guitar that I ordered. 

I requested a refund from the seller but he denied my request. I tried to get in contact with XXXX for around a week via email since they have no phone support with no luck. So I ended up opening a dispute with PayPal and PayPal Credit. 

Eventually XXXX said they would issue a full refund, but I would have to close the disputes. I tried to do so, but PayPal and PayPal Credit still to this day XX/XX/22 will not close these disputes and still no refund.

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 2022-10-25
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. (NJ)

Complaint:
XXXX is my loan servicer and I have 3 active accounts and multiple closed and tranferred accounts with XXXX balances on my credit reports. I requested to have them removed and XXXX and the credit bureaus will not removed they are considered verified. I requested the closed and transferred account be removed only not the 3 current accounts.

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 2021-05-19
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. (CA)

Complaint:
There are two XXXX accounts reporting on XXXX and XXXX that are not mine. I was not liable on either account and was only an authorized user. I've sent multiple letters to dispute this item directly and they have failed to remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation