hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-05-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (FL)

Complaint:
In the last week of XX/XX/2023, I was unable to log into my Chase Online Banking account, which I subsequently found out was due to it being locked. Upon contacting customer service, I was informed that my account was being terminated and my checking account would be closed. It was also stated that I would receive a check for the balance in my account via mail. I was assured that my other accounts ( credit card and IRA ) would remain open, but this assurance was short-lived. 

Despite my repeated attempts to understand the reason behind this sudden and abrupt termination, I was not provided with any valid explanation. Worse still, I was met with rude behavior, which I believe is unprofessional and out of place in a customer service environment. 

My XXXX XXXX, who I hoped would be able to clarify the situation, chose to ignore my concerns. Calls to the XXXX XXXX customer service line were fruitless, as they demanded validation with my closed debit account number and then dismissed me, claiming I no longer held a relationship with them. 

A visit to the Chase branch in XXXX, XXXX, MA, only confirmed the closure of my checking account and the 14-day process to complete this. While they reassured me that my credit card and IRA would remain open, my IRA was also closed without any prior notice. 

Adding to my woes, I was informed that my funds would be mailed to me by XX/XX/2023. However, it has now been over a month since this date and I am yet to receive my funds. The delay is causing me financial distress as I am losing money due to credit card interest and the inability to access my own funds. 

Furthermore, while my checking account was closed, Chase continued to accept my paychecks from my employer. These funds, amounting to over {$19000.00}, have yet to be returned to me. I have contacted customer service weekly, only to be repeatedly told that the check is pending approval with no further updates. 

This chain of events has left me in a precarious financial position, caused me undue stress, and undermined my trust in Chase. I kindly demand immediate action to rectify this situation, including an explanation for my account closures, and most importantly, the immediate release and delivery of my funds. 

I hope for a swift resolution to this matter. Thank you in advance for your attention and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DC)

Complaint:
I'm XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2022-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Please remove these items : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX PA ) XXXX Balance : {$170.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$110.00} Medical XXXX Balance : {$300.00} Medical XXXX Balance : {$230.00} Medical XXXX Balance : {$420.00} Medical XXXX Balance : {$420.00} Medical XXXX Balance : {$420.00} Medical XXXX Balance : {$420.00} Medical XXXX Balance : {$100.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$230.00} Medical XXXX Balance : {$230.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$600.00} Medical XXXX Balance : {$490.00} Medical XXXX Balance : {$850.00} Medical XXXX Balance : {$2100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BSI Financial Holdings, Inc. (CA)

Complaint:
BSI Financial apparently bought our mortgage loan from our previous mortgage servicer. When the transaction ended, XX/XX/2020. The account was closed. The account closing was reported to XXXX   and XXXX. It caused an immediate drop in credit rating 55 points and 77 points for my co-borrower. We did not close the accounts ( we didn't even know what was going on ). The accounts also are not credit card accounts but mortgage loans. The hit has been immediate and dramatic. I called our previous mortgage servicer and they directed me to BSI Financial. I called and the customer service representative said they did receive new loans but that I wasn't even in the computer. My home address wasn't either. So she couldn't help me and told me to call back on Wed., XX/XX/2020. At this time I don't even have any paperwork from BSI Financial. I don't even know who they are really, only through XXXX. I also don't know whom to pay and it is XX/XX/XXXX. I feel that we should have had this paperwork and a letter long ago. My immediate request is to correct the credit ratings as it also impacts job hunting which I am doing now. We didn't ask for our loan to be bought so it is unfair that we suffer an immediate negative hit in credit rating and possibly missed loan payment at this point, without a way to fix immediately. I also would like to know how to pay our mortgage. I feel, through no fault of our own, we are being set up to fail. I will call in again on Wed., XXXX. I'd appreciate any help that can be offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (PA)

Complaint:
Reached out to the company asked them to provide me proof of original contract bearing my signature asked for the address of the original creditor Also asked For proof from this debt collector That they Have proof that they own or have been assigned this debt to collect failed to send me any validation

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 2021-01-05
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. (NC)

Complaint:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept it!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
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. (CA)

Complaint:
XXXX XXXX XXXX ACCOUNT # XXXX THIS COMPANY FAILED TO VALID THE DEBT. THE DEBT IS UNVERIFIED ACCOUNT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
I sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX CT XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL 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 2021-03-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MA)

Complaint:
Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the three credit bureaus. 

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CO)

Complaint:
I have called this company now twice on a Recorded line and asked them to provide by law the permissible purpose for their inquiry and they say they can not do that and would remove it. That was back in XXXX and then again today. This company accessed my credit without written consent and are refusing to remove the inquiry. This is the last chance to do it before a complaint with the State Attorney Generals office is filed. ON A RECORDED LINE TODAY THE REP SAID THAT THEY HAD ME GOING IN AND APPLYING FOR A LOAN WITH A BRANCH HERE IN XXXX XXXX THAT IS 100 % FALSE, I HAVE NEVER DONE SO. I AM DEMANDING THAT A SIGNED AUTHORIZATION BEARING MY SIGNATURE SHOWING THAT I DID SO TO BE SENT TO ME IMMEDIATELY IF YOU WISH TO KEEP THIS INQUIRY ON MY CREDIT REPORT. IF YOU REFUSE I WILL HAVE NO CHOICE BUT TO FILE A COMPLAINT WITH THE STATE ATTORNEY GENERALS OFFICE HERE IN COLORADO.
Account name XXXX Date of request XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Address identification number XXXX Comments Unspecified. This inquiry is scheduled to continue on record until 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 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Credit Karma, LLC (ME)

Complaint:
Credit Karma , Inc. refuses to update my legal name after over 60 days since XXXX  provessed my legal name change on XXXX XXXX. After requesting an account closure, Credit Karma , Inc. issued a check payable to my old name that can not be legally cashed to due to the name discrepancy. I have been unable to access {$10000.00} of tax return funds. Credit Karma support informed me that they could only write the check out to the name they have on file, which they refuse to update after I have submitted all related documents to prove the legality of my name change and repeatedly requested for investigation and clarification.

In my most recent communication with Credit Karma support, Credit Karma disregarded my most credit reports from XXXX  and XXXX dated XX/XX/2021 that I provided and insisted that I contact XXXX  to resolve the issue. From multiple calls with XXXX  and XXXX, both bureaus stated that my credit reports have reflected my new legal name for several months and that the problem is on Credit Karma 's side. However Credit Karma support continues to disagree with this assessment and again insists that I contact credit bureaus for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc. (VA)

Complaint:
I have told this company CBE Group multiple times that they have a wrong number and the will not stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (VA)

Complaint:
XXXX XXXX/JCPENNEY CARD ... closed my account without any noticed, this is the second time they have taken action on my account with out personal notification to me. I found out when I went to use my card. I paid my card off in full in XX/XX/XXXX. 

HIghly disappointed ... they MAKE NUMEROUS INQUIRIES on all of CREDIT REPORTS since the account was open with out my knowledge

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 2018-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Complaint:
XX/XX/2018 I called them caus I feel i like They are changing too high on interest. 24.15 % is ridiculously high. No XXXX and XXXX card just got in big trouble for that. I call asking them to lower it into the teens they told me the lowest I can go is 20.99 %. Still too high if you ask me. I told them I would be reporting them to you and as soon as I pay it off in a few months I will be deactivating my card and no longer using them due to their crookedness of a high interest-rates

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC (MD)

Complaint:
Incorrect information was found on my consumer report. I then sent a 1692g request to American Credit Acceptance. The company received the request on XX/XX/2018, at XXXX XXXX. The company failed to reply to the 1692g request and continues to report inaccurate information to the consumer reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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. (NC)

Complaint:
My name XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Complaint:
Capital One was in the process of opening a new credit card fraudulently applied for in my name. I spoke to their Fraud Department who stated " we would have called you ''. At the time I spoke to them, it had already been a week since the application had been submitted online. The reason I was aware of the issue is that XXXX had emailed me to let me know there was a hit to my credit score. I asked Capital One to flag my information & deny any new applications that were submitted. The stated they could not do this. That is a lie, as they will flag people with bad credit & deny them a new account. Furthermore, this was the second attempt to open a new card in my name this year. After the first attempt in XXXX, I had placed a Fraud Alert with all three credit companies ( XXXX XXXX,  and XXXX XXXX XXXX. The Fraud Alert is still active and Capital One ignored the Fraud Alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
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: Credit Plus Inc (GA)

Complaint:
XXXX is reporting the following 4 inquiries that I do not recognize or authorize and would like removed XXXX XX/XX/2020 XXXX XX/XX/2020 Credit Plus XX/XX/2020 XXXX XXXX XXXXXXXX XX/XX/2020 Also I have improper collection reporting from XXXX XXXX XXXX on XXXX XXXX and XXXX that I would like removed from all of these bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: WELLS FARGO & COMPANY (NY)

Complaint:
On XX/XX/2021 I received a letter from XXXX XXXX XXXX XXXX in regards to my unemployment funds that were not deposited into my bank account. That letter stated that the funds were deposited into an account that belongs to Wells Fargo Bank NA, and that the NYS DOL is unable to retrieve payments once they have been received by a bank. I was to present this letter to the bank as confirmation that those payments were meant for me. The total amount of funds that were deposited into the fraudulent account are {$2400.00}. That same day I went to the only local Wells Fargo Bank and met with the branch manager, XXXX XXXX. I presented him with the letter and documents to prove my identity. I also have an auto loan through Wells Fargo which he also used to help identify me. Upon review of my information and the account listed in the letter from NYS DOL, he felt comfortable enough to write me a letter stating that the account listed in the NYS DOL letter does not belong to me. I also went to my local police department and filed a police report in regards to the funds that were deposited into a fraudulent account. 

After over a year of going back and forth with Wells Fargo and them opening complaint after complaint ( at least XXXX by now ) and them closing each complaint stating that I did not submit enough or failure to provide new information proving that the funds are mine I've decided to stop paying my car loan which I owe around {$6600.00} on. Wells Fargo is extremely uncooperating and unwilling to help me retrieve my funds.

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 2022-09-20
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. (MD)

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2018-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TN)

Complaint:
I made an on-line payment to by Paypal Credit Card issued by XXXX XXXX on XX/XX/XXXX. as of XX/XX/2018 payment was still pending eventhough it had cleared my bank on XX/XX/XXXX. Now, XX/XX/2018 Paypal has received payment,, posted under payments received, BUT THEY HAVE NOT posted it to by account balance They say it is a " computer glitch '' ..When i called on XX/XX/2018 they said it would be fixed the next day,,, now it is going to take upto another week. 

I have a late fee attached to by account because of their " computer glitch ''.

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