hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2020-08-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (NJ)

Complaint:
On XX/XX/XXXX, after a direct deposit of approximately {$580.00}, I had approximately {$580.00} in my Chase checking account ending in XXXX. On XX/XX/XXXX I paid the approximately {$370.00} minimum payment on my Chase Freedom credit card online via my checking account. After processing the minimum payment, Chase on the same day ( XX/XX/XXXX ) held {$150.00} in funds and deducted a {$75.00} legal processing fee bringing the account balance to {$0.00}. When I reached out to Chase, I received a copy of a levy notice that I had been unaware of. The levy expires in XX/XX/XXXX according to the notice allegedly from the Court, but in Chase 's system it fraudulently shows as expiring in XXXX. In addition, the Court Officer XXXX XXXX filed a fraudulent certification for this levy, but more importantly no money was to be taken from my account due to the NJ statute listed below which exempts the first {$1000.00}. Since I maintained less than {$1000.00} no money was to be held from my account. In addition, I submitted a request in writing to Chase to request the money they are holding and the related fee be returned. I also asked to close the checking account since I am no longer able to meet the requirements to avoid a monthly service fee of {$12.00}, but Chase 's Customer Service said they were unable to assist with these requests. XXXX. Amount ; exceptions Goods and chattels, shares of stock or interests in any corporation and personal property of every kind, not exceeding in value, exclusive of wearing apparel, {$1000.00}, and all wearing apparel, the property of a debtor shall be reserved, both before and after his death, for his use or that of his family or his estate, and shall not be liable to be seized or taken by virtue of any execution or civil process whatever, issued out of any court of this State. Nothing herein contained shall be deemed or held to protect from sale under execution or other process any goods, chattels or property, for the purchase whereof the debt or demand for which the judgment on which such execution or process was issued, shall have been contracted, or to apply to process issued for the collection of taxes or assessments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Choice Recovery, Inc. (FL)

Complaint:
Please remove the collection of my credit reporting agencies XXXX, XXXX, and XXXX for the {$46.00} amount, its already paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
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. (MO)

Complaint:
I have negative remarks that have been disputed with said companies and 30 days has passed and no updates to the request to remove the accounts that violate FCRA guidelines, and this is my second request for removal of these incorrectly listed items, the items are not reporting accurately to the credit bureaus. I have requested these entities remove these inaccurate ratings against my credit report causing severe hardship against my credit score that is in direct violation of FCRA guidelines.

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 2021-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Complaint:
On two separate occasions in 2020, I contacted Capital One to discuss payment options as I was needing Covid assistance. Capital One customer service set me up on two payment plans. In these payment plans, Capital One provided specific dates and amounts due as per the payment plan. I followed these payment plans. However, Capital One, unbeknownst to me, continued to mark my payments as late on my credit report. I feel lied to. What was the point of the payment plans?! If it wasn't for Capital One offering the payment plan, I would have made the payments on time. Seems engineered to get more fees from customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
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: Navient Solutions, LLC. (CA)

Complaint:
This is XXXX XXXX who is submitting this CFPB complaint myself. I sent letter to DEPT OF ED/NAVIENT the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means they have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE 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, NAVIENT XXXX XXXX XXXX XXXX XXXX, NAVIENT XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC (GA)

Complaint:
To whom it may concern : I'm writing in to state that the XXXX XXXX XXXX XXXX I was never authorize my signature to sign I was in a XXXX XXXX XXXX marriage.I have tried to contact the Apt . but their Management Personnel has change and they could not give me any info. can you please help me with this. 
I never gave authorization to have this XXXX bill I was divorced and I had to leave with a XXXX situation the apartments knew exactly what was going on can you please have them check and resolve this for me. 
I've been writing in for years pleading with them and they Under New Management so they have no record of what's going on this should not be on my credit can someone please help me and resolve this thank you. 

Here Is My Ex Husband Info that i have XXXX XXXX his name was on the lease. 

Please my information disclosed my information of my whereabouts to my ex-husband I was in a XXXX XXXX XXXX relationship and I'm XXXX XXXX XXXX XXXX I just don't want nothing tied with this man at all but I will give you the information to try to track him down so you guys can get what you need from him but please do not include my information or disclose any information where I live to this person. 

You Can Contact me At : XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
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. (TX)

Complaint:
XXXX XXXX XXXX has recently added a collection account to my credit report. After finding out about this account I reached out to XXXX and was informed this was a delinquent account attached to a business. When asked how much was the debt amount they told me they were not sure, but on my credit report it stated {$130.00}. I then asked what did they need from me to show I was not responsible for this debt and it was not mine, they stated they would call me back. I called the next day and at this point I was told the debt was actually $ XXXX and it was based on charge backs from a contracting business. At this point I again asked them what they need to prove this was not my debt, they stated they would not accept anything other than payment or payment plan.

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 2021-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Complaint:
i noticed that i was a victim of identity theft and information was used to gain medical services and personal financial gain

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 2023-05-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION (TX)

Complaint:
I followed an online promotion from Truist for a {$400.00} bonus for opening a personal checking account. I completed this online and then set up online access. Their system submitted trial deposits to my current bank, which we submitted successfully. 

One day later, I attempted to verify the trial deposit amounts and was told my account was blocked for fraud. There are zero transactions, not even an opening deposit on this account. I was on the phone several times speaking to overseas reps who continued to say either the account was blocked or closed, but I never got a consistent answer. 

The six phone transfers were always to the wrong department ; at one point, I was sent to the XXXX XXXX XXXX. ( Please see recordings attached ) Accordingly to other individual comments/reviews online, Truist is doing this to combat paying the {$400.00} account opening bonus.

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 2023-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX # : XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # : XXXX, # XXXX, # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX # : XXXX Account name : XXXX XXXX # : XXXX Account name : XXXX XXXX XXXX # : XXXX, Account name : XXXX XXXX XXXX # : XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # : XXXX, Account name : US DEPT # XXXX, XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX  # : XXXX, Account name : DPT ED/ XXXX # XXXX Account XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX / XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX, Account name : XXXX, Account name XXXX XXXX XXXX, Account name : XXXX XXXX, Account name XXXX XXXX XXXX, 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A. (MS)

Complaint:
On or about XX/XX/XXXX, XXXX Bank started the transfer of their loans to PNC Bank, with PNC Bank taking over on XXXX XXXX. We had an auto loan with BBVA, with our payments on automatic draft. We were unaware and not notified of this change. Our drafts stopped, so we mailed checks to BBVA, with all of them being returned. We did our own research and found out what change had taken place, so we asked for the correct mailing address for payments, PNC could not give me any info on my loan, including payoff, payment or loan balance. I sent payments, and they were also returned. In XX/XX/XXXX, PNC Bank reported our account as a charge off, after PNC sent a repossession company to pick my vehicle up and receiving money over the phone from my checking account, along with XXXX mths of payments setup for draft, to catch up the payments we had tried to so desperately send to both banks for several months. We were also unaware the reported a charge off on this account until we called for a payoff on XXXX XXXX and the dealership said they couldnt pay a charge off account and PNC would not give them a payoff amount or why it was charged off. I want this charge off removed from all credit report agencies immediately, as I feel as if PNC Bank and BBVA Bank failed to notify us of such a drastic change, leaving us in the dark of where payments needed to be sent, or that our loan had even been transferred to them. PNC Bank did not have our correct address in their system either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MI)

Complaint:
Several certified letters were sent to this company over a 60 day timespan requesting debt verification documentation and removal of the debt from all 3 credit bureaus. The company has not responded to any of the letters nor has this company removed the debt.

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 2018-08-15
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: ENOVA INTERNATIONAL, INC. (OH)

Complaint:
Unauthorized hard inquiries from XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, and XXXX Interactive IN all occurring on XX/XX/2018. 

Subsequently I was contacted by XXXX XXXX XXXX on XX/XX/XXXX claiming I owed money on a loan that I never took out with them. This has been documented in complaint # XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 and I am filing this complaint about 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 2017-08-15
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. (TX)

Complaint:
I have called Equifax 18 times each person puts me on hold or transfer me over and over they lie and now they have told me to break the law by calling my creditors and asking them to remove items off my report I have a split file and they are refusing to combine my report because they say it 's to long they have 52 lines so they are refusing me and my creditors access to my file which is against the law I am seeking legal counsel but until then I will use the platform as well as the BBB This is the worst company I have ever dealt with please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

Complaint:
I am sorry to report that I am again writing you about unauthorized funds taken from my Chase checking account. ( I previously wrote about incidents in late XXXX which you have advised Chase has yet to investigate and respond to - complaint # XXXX XXXX. 

This most recent problem occurred on XX/XX/XXXX, when I noticed three unauthorized debit card withdrawals from my checking account, each for {$200.00}, made from the Chase branch at XXXX XXXX XXXX in XXXX. A total of {$600.00}. I called Chase and they temporarily restored the funds while they investigated. Today, XX/XX/XXXX, they sent a letter to say that the withdrawals were authorized and entailed using my chip card. However, I have never lost my card or had it out of my possession. I live alone with a child and no one can even visit our home during this pandemic. I have a clean banking record and manage my money carefully. And my card was replaced after the XXXX incident. I asked if they were up to speed with sophisticated cyber crime that might enable a thief to replicate a chip card. They say that they are. This has to stop and clearly my money is not safe at Chase. I will keep this account open ( with minimal funds ) for the purposes of an investigation, but I believe I need a new bank, one that can manage accounts safely and has a longstanding customer 's needs and protection in mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

Complaint:
I sent original cfpb complaints # 's : XXXX XXXX XXXX concerning inaccurate and incomplete items on my credit report. That was XX/XX/XXXX, I also sent a follow up letter XX/XX/XXXX asking for physical verification of the following accounts. 
Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
XXXX XXXX XXXX {$840.00} XXXX XXXXXXXX XXXX {$3300.00} XXXX XXXX XXXX XXXX XXXX {$3100.00} XXXX Bank XXXX {$1500.00} XXXX XXXX XXXX {$15000.00} XXXX XXXX Bank XXXX Inaccurate Late Payments It's been more than 30 days, attached is the original letter sent to the bureas.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Complaint:
In accordance with the Fair Debt Reporting Act. 

Bank of America is violating my rights. I have NOT given them any written consent permission. They did HARD INQUIRIES on XX/XX/XXXX, XX/XX/XXXX on XXXX, XXXX credit profile, lowering my credit score by XXXX points. Without my permissionand there was NO purpose. 

After speaking with Bank of America representative : XXXX XXXX XX/XX/XXXX, she stated " there was NO new application from me asking for credit or services. '' I asked for a copy of my signature on Bank of America application. 
She stated " she could NOT send me a copy of my signature due to Bank of America NOT having a new signature on file. '' The HARD INQUIRIES remains on my profile.

According to : 15 U.S.C 1681a ( 2 ) Permissible Purpose of consumer report. My rights are being violated.

15 U.S.C 1681 Section 604A Section 2 Also states : A consumer reporting agency can not furnish an account without my written instruction.

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 2023-04-12
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. (NV)

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX  XXXX XXXX, NV XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4400.00} ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022.

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 2015-03-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HW Holding, Inc (HI)

Complaint:
I have informed credit reporting agencies about my issue and waiting for the answer from them, Mean while I heard about CFPB and thought To file an complaint. I used in XXXX 2013 a company call freight center in XXXX to ship household items to XXXX, there was XXXX pallets, as per my knowledge weight was under XXXXlb on each pallet and paid in advance some of {$2800.00} to freight center, they over charged me as per the quote so I called them and they gave me credit for an amount {$85.00} same day. After 4 weeks from delivery of my house hold goods they are coming back with additional {$1000.00} for additional cost which I did not get it, there fore I refuse to pay them an hidden cost and know I see they have hired collection company called XXXX, is showing on my credit report, I am going to attached a proof of documents to prove the payment was maid thru credit card. There fore I request CFPB to investigate and help me to remove this negative item from my credit report, which is affecting me on my business and raised up my family. I am also attaching my credit report to show CFPB I have very good payment history, Thank you. 
SincerelyXXXX XXXX XXXX

Company response to consumer: Closed with explanation