hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2019-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NY)

Complaint:
I had a loan car lease with J.P.Morgan Chase. I paid my final payment of {$400.00} in XX/XX/XXXX within the month that it was due, however a non payment record went on my credit report. When I realized it was on my report in XX/XX/XXXX I called Chase. They verified that the payment was made, questioned why it even made it to the report and said they would contact the credit bureau to have it removed. I also asked for a letter to be sent to my home address stating that the loan was paid for during XX/XX/XXXX in which they said they would. This was necessary as I was in the middle of purchasing a home and needed proof of clearance. XX/XX/XXXX I still didnt receive the letter so I called Chase again. They reassured me that they reported the correct info to the credit bureau, that I'd have to wait 30 days for it to update and that they would send me the letter I had been waiting for. Two weeks later I received the letter, however it did not mention anything about properly paying the loan in XX/XX/XXXX on time. It said the account was closed and paid in full. In XX/XX/XXXX not only did Chase not send me the proper letter they sent one stating that they reported the correct info to the credit bureau. During this time of calling each month and being told to wait 30 days for an update my credit report has dropped 100 points, and states that the car loan was paid in full after collections and closed the account as of XX/XX/XXXX. This is very unprofessional of them and I shouldn't have to wait another 30 days to improve my credit score for their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (AZ)

Complaint:
I have tried to ask Walmart /Synchrony bank to work with me in my credit card debt and except minimum payments and instead they want to sue me
I have changed jobs make less money now and I had to pay XXXX  and more to bury my mother I care for extra family members the past two years and I’m in hardship

I would like to work with them the customer service people don’t help my letters unanswered

XX/XX/XXXX sent letter 
XX/XX/XXXX sent letter to bank and message online
XX/XX/XXXX
XX/XX/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 explanation
Consumer complaint received 2019-05-14
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: EQUIFAX, INC. (NC)

Complaint:
Please reference the attached letter I sent to Equifax on XX/XX/XXXX. THey were supposed to respond to the letter within 30 days, but I have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Complaint:
unauthorized use of 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
Consumer complaint received 2017-11-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affiliated Acceptance Corporation (CA)

Complaint:
I do not have a signed contract with Affiliated Acceptance Corporation and I do not owe them any money. I already contacted this company in writing twice in the last two years. I keep receiving harassing collection notices and phone calls from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Complaint:
I have received the comment back from capital one. They said that they check the ssn DOB, and address belongs to me. I will assume that yes, all those information belongs to me, if not then how are they going to open an account under my name? And the address that I used is showing on my driver license. That will be making more sense. Also, they mentioned about I make the payment under my name in XXXX account, I believe that I closed the XXXX  account before I went back to XXXX. As capital one mentions, that account also open fraudulently too. ( I will double check with BOA ). I went to boot camp in XX/XX/2019, I graduated in XX/XX/2019. We cant use our phone in boot camp, how am I gon na pay in XX/XX/2019?? That is very a very interesting question. If people have my information, they can easily open my account online easily. 
I also attached my military information below. You can See I went to military basic training In XX/XX/2019. Making a payment its not possible during boot camp.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

Complaint:
This company has emailed me about this account that does not belong to me. I have asked them to REMOVE this off my credit report more than once. They sent me a credit card statement. I told them I don't recognize that. I have asked for something with my signature on it but they have failed to do so. I went to my local counts to file a suit but they told me I will have to file it where the company is registered at. I will do this once covid19 is over.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: HYUNDAI CAPITAL AMERICA (NY)

Complaint:
My concerns stem from accounts that have inconsistencies with reporting across the other 2 bureaus and with my records. I requested that HYUNDAI FINANCE performs mandatory thorough investigation under FCRAct laws. This account is reporting inaccurately and is reporting illegally. 

1. I requested the account to be investigated to see that this account is no longer reporting in XXXX. Therefore it should be removed from my credit report. 
2. Inconsistency continues to report when it comes to Dates, Payment History, number of late payments, and Months claiming that I have missed my payment. 
3. The balance reported is incorrect and inconsistent. The account has not been active since. 

If this account is not reporting 100 % accurate, I request deletion immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

Complaint:
XXXX I called Chase Bank to have a claim done for XXXX against XXXX XXXX XXXX and Chase Bank credited my checking account with a temporary credit of XXXX. I called Chase Bank in XXXX explaining that was a valid charged and they reversed the charged meaning the funds came out of my account being sent to XXXX XXXX XXXX. Well my account showed negative XXXX and XXXX XXXX XXXX Never received the funds electronically. Chase threatened to close my checking account if I don't bring it positive. I explain it was they're fault I went negative negate the third party never revived funds so I'm thinking Chase Bank is holding my money. Like what banks do. Well Chad closed my checking account and XXXX XXXX XXXX still hasn't received the money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Real Time Group, Inc. (NV)

Complaint:
Thank you for providing a copy of all the communication from XXXX until charge off date. 

I observed that XXXX provided creditor information on some letters and not on other letters. I would request that on all communication which didnot have creditor information, XXXX reveiew its record once again and provide the name of the creditor on the date that communication was sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
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:
I'm sick and tired of filing complaints on here to Equifax and they are lying to me and to the CFPB. This is the second time I file a complaint about fraudulent inquiries on my credit report and they respond that those inquiries have been removed from my credit and are still there, now because they are not fixing it they blocked my account online. I will include screenshots of everything. If this doesn't get fixed right away I will hire a lawyer to sue Equifax. The report was on XX/XX/XXXX and still shows the inquiries. 
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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
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. (MS)

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed  now.with no help.

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 2019-01-07
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: Experian Information Solutions Inc. (CA)

Complaint:
I had an XXXX XXXX that was sent to collection in error. I fought back and forth with XXXX XXXX and XXXX to make sure this error on XXXX XXXX  part did not adversely affect my credit score. I was assured it would not. Once the error was corrected I paid off my balance with XXXX. Now I am being hurt by over 50 points on my credit score because this account is showing up on my Experian and XXXX  reports. This is causing me to not be able to get my home loan that I have been working so hard to get. Currently my family is XXXX  and we are living with my in laws because we were expected to have our home loan funded by this time, but now because this account is reporting we are not able to obtain financing.

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 2022-02-02
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 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 2019-03-15
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 — Was not notified of investigation status or results
Company: Eastern Revenue, Inc. (PA)

Complaint:
I requested validation of accounts that I wasnt provided. I asked for original consumer signed contracts and all information on what services were rendered for the debt, how the debt was calculated, and proof for everything. I was not given any of that!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Complaint:
I was a victim of fraud. I had items on my credit file that are not mine. I sent copies of FRAUD AFFIDAVITS AND REPORTS AND DISPUTES to all three Credit Bureaus along with my Driver 's license and Social Security card. XXXX and XXXX XXXX removed the fraudulent erroneous items from my credit. Experian just ignores me and stalls me. This has been going on for seven months. Now I was denied two apartments because Experian refuse to do event the investigation of my dispute. I have not heard from Experian, yet they are still reporting inaccurate, fraudulent erroneous negative items on my credit. They are defaming my character and causing me harm

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 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NV)

Complaint:
On XX/XX/ I reviewed my credit report with Equifax. The following week on XX/XX/ I logged into MyEquifax.com and attempted to pull a current report, only to get an error message of XXXX asking me to contact Exquifax by phone. I reached out to Equifax using the number provided and spoke with an agent explaining the error I received when attempting to obtain a current report to ensure its accuracy. After several attempts at trying to figure out the issue, the agent explained that they would create anticket for the issue to be repaired and that they would reach out once the issue was resolved. As of today, XX/XX/ the issue is not resolved. I applied for merchandise from a creditor who reported back that there was an error obtaining my credit report from Exquifax and to reach out to Equifax regarding this issue. I immediately contacted Equifax in which they verified that they could see my report as they used it to verify me and as yet there was still no answer to the ticket submitted previously back in XXXX. At this point I have been unable to review my credit report since XX/XX/XXXX to verify its accuracy and cant obtain any credit through my credit report with Equifax due to this unresolved issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
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. (TX)

Complaint:
I am a victim of identity theft and have provided All three credit reporting agencies with copies of my identity, police report and FTC report. I have requested for a fraudulent account to be removed from my credit report. The attached Credit Reporting agency has not complied with my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
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: Experian Information Solutions Inc. (CT)

Complaint:
In accordance with fair credit reporting act convergent account XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 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 2022-11-04
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: FIRST CITIZENS BANCSHARES, INC. (PA)

Complaint:
We completed an online application at Cit Bank for a " high yield '' savings account on XXXX XXXX, XXXX. We immediately received an email stating that they needed additional information, but did not indicate what information they needed. The email indicated that they would contact us by phone or email to let us know what they needed. We didn't hear anything else from them until XX/XX/2022, when we received an email stating that they declined our request to open an account. 

I called customer service number on XX/XX/2022 to ask why they would not open the account. I was informed that they would not ( and " did not have to '' ) provide the information to me over the phone. The customer service representative said we would receive a notification in the mail. As of today, XX/XX/2022, we have not received the notification with the reason for the denial. 

In the meantime, we reviewed a copy of our XXXX reports, and there is nothing negative on the reports. I think we have a right to know the reason we were denied an account. Further, I am concerned that the high APY advertised was used as a bait and switch tactic to gain access to our personal financial information and review our credit reports for their own marketing purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (MI)

Complaint:
XXXX XXXX bank was the original creditor. XXXX XXXXXXXX bank charged my account off XX/XX/XXXX. LVNv bought the account in XX/XX/XXXX. I filed a dispute with all 3 credit bureaus in XXXX of XXXX. In response XXXX  XXXX bank was removed from all 3 credit reports. XXXXXXXX XXXX XXXX received full balance owed to them of XXXX XX/XX/XXXX. At my request the account was suppose to close. I was told once my payment processed it would close. XX/XX/XXXX I tried to log in XXXX XXXX XXXX website and couldnt. I assumed the account was fully closed. XX/XX/XXXX I checked my credit report and seen I had an outstanding balance with XXXX XXXX XXXX. I called them. Me and the representative went over the charges. I disputed 5 charges ranging from {$60.00} to XXXX dollars. XXXX  XXXXXXXX XXXX told me that it would take 60 days to investigate. I called them XX/XX/XXXX to get an update. The representative told me that no dispute was filed. He assured me he would file the dispute for me on XXXX XXXX and was told it could take up to 60 days. I called them XXXX XXXX and was told that the account was closed with XXXX balance, only to find out they sold the account with positive balance to LVNV without investigating my disputes. Now LVNV believes I owe them {$1700.00}. Ive requested statements from LVNV and they refuse to send them. They claim they only have the last months statement. Which only shows the current balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Complaint:
Over the last decade, i have sent credit card payment to capital one XXXX  days before due date. it arrived in XXXX to XXXX  days, which is same as XXXX  payment also in XXXX XXXX, ill. further verification is electrical cancellation of checks from my account. my XX/XX/2022 did not clear my account for 12 days. then my XX/XX/2022 bill was assessed a {$5.00} interest charge and {$25.00} late fee. i had postal service my track my XXXX through XXXX payments. these arrived within 3 days and was signed by a capital one employee. then i stopped tracking and my next bills were assessed additional fees.

Company response to consumer: Closed with explanation