hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (NY)

Complaint:
In XXXX of XXXX, I was the victim of financial fraud facilitated primarily through my Apple card linked to my XXXX. Someone gained access to my card and rung up $ XXXX in charges. 

Upon reporting fraud to apple, they locked down my XXXX account, which blocked me from accessing the Apple card, as the only way to see the card balance or make payments is through the apple wallet app, associated with the XXXX account. 

I reported this fraud to Goldman Sachs, who services the account for Apple, and they were able to reverse the charges. Goldman Sachs then advised me in a call a few days later ( on a recorded line ) that the account balance was {$0.00} and the account was closed and there was nothing more I needed to do. My credit report was updated in XXXX to reflect this and the account is still showing as closed. 

Now however, Goldman Sachs reporting a balance to the credit report and is continuing to charge interest on it, in contrast to what they already advised me and what they previously reported to the credit agencies. 

I am now left in a situation where Goldman is trying to collect on a balance they previously told me was gone, charging me interest on that balance, and not providing normal avenues for payment. Goldman Sachs has been unwilling to provide me an account number, or any information on how I can access the account, and has left me with no way of resolving the issue. 

As of now, in the month of XXXX, they have reported an increase to the balance of the account that is supposed to be closed and it is now negatively impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Company (CT)

Complaint:
This complaint is about XXXX  XXXX  not telling me in advance how much my prescription of XXXX  was going to be in advance before shipping out.  (According to my physicians office no other specialty mail order company ever ships an expensive drug to the patient with out getting a payment from the patient first) and also not going over with me how the co pay card that XXXX  gave me to use so that I could afford the drug to begin with.    XXXX   XXXX  had made an agreement with my husbands employer to not allow the co pay card to go towards our deductible.  I never saw this new rule nor was it ever explained to me when I started using the drug and the co pay card.  I was told that by using this co pay card it would take care of all of my out of pocket expense for being able to afford XXXX. 
	
So I started using XXXX  going through XXXX  XXXX I believe in XX/XX/XXXX.  I’m not exactly sure when I started seeing a bill, but I didn’t really pay attention to it because I was told that my co pay card would cover my bill.  I never was told that I couldn’t receive XXXX  until I paid for it.  The drug was always mailed to me.  I never gave it a thought until I started receiving statements saying “Due upon Receipt”  That prompted me to call.  Then to my surprise, I was told that I actually did have a balance a rather large balance of $XXXX this bill was from XX/XX/XXXX, I called them on XX/XX/XXXX.   Up until this point I was still being sent the XXXX  without a phone call or interruption of my medication until I tried to order it again on XX/XX/XXXX.  Then I received a text saying “The copay for your medication has changed.  Tap the link to confirm the new amount so we can ship: 

When I called I was told my account was sent to collections and I would not be able to receive my prescription until I had a reference number from the collection agency.  I had to stop taking my medication cold turkey.  I was so upset by this news that I actually got a XXXX   and wasn’t feeling well for a couple of days.

XXXX is needed for my condition that is so bad that I actually XXXX  the XXXX  in my XXXX (XXXX) XXXX.  Which is the reason I needed to go on the XXXX  XXXX.  I had to have XXXX   on XX/XX/XXXX to repair the XX/XX/XXXX after which I needed XXXX XXXX  to learn how to use my XX/XX/XXXX again.  I was told I needed a XX/XX/XXXXto keep this from happening again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

Complaint:
In XX/XX/2017, Chase suddenly closed all of my credit card accounts after applying and receiving a new credit card ( My fourth, and I suppose one too many ). At  the same time on XX/XX/2017 my Chase XXXX XXXX card posted its annual fee of {$450.00} and on XX/XX/XXXX my accounts were all shut down. I subsequently contacted Chase phone support to find out more information about the shut down, which they couldnt tell me more about, and what would happen to my annual fee that posted. Phone support told me I would be refunded my annual fee. A month later, the fee wasnt refunded, and I called again. I was told again to be patient, and it would be refunded. Another 2 months later, I called again and was told to be patient again. Six months after the fee, I called the fourth time, where at that point I was told my entire account history has been erased from Chase and there was no longer any information for my past accounts. 

I was told I should fax a letter to a number, which I did. The response after a month was : We understand that you would like to receive a credit for the annual fee of {$450.00} assessed on the account. Our records show that your credit card account was closed with a XXXX balance. We are unable to credit the annual fee since the account has been inactive for several months and can no longer be accessed. 

Fantastic. 

My next step was to go to Chase XXXX support, which was quite friendly and excited to help me out further. After a month of back and forth writing Chase support they told me I would receive a full refund of my fees of my fees. It would take 6-8 weeks to receive. 

After 2 months I received a cashiers cheque for {$95.00} for an entirely different credit card that has been closed for five years. 

So at this point, Ive been in communication again with Chase support for the last two months, and they tell me they will write me when they have more information. At this point its been over 9 months since this dilemma started, and I frankly dont know what to do anymore. 

Can they just take my money? 

I do not have copies of the statement of my credit card, because Chase made my statements unavailable as soon as they closed my accounts. I only have copies on XXXX where I see the fee and the time my account was closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-25
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. (FL)

Complaint:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 2023-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (PA)

Complaint:
On Monday morning XX/XX/2022 I returned to my car to see that it had been ransacked and my wallet was robbed. The last time my wallet was in my physical possession was XX/XX/2022. I had received messages on my phone saying that there were charges made on my card, these charges occurred while I was asleep and didnt see the messages until i woke up. I immediately talked to Ally support to let them know and made reports that all the charges that occurred on XXXX  and afterwards were fraudulent. I also told them to not let any more charges through and froze my card. A couple months later they locked my account and I received a letter saying that I was responsible for the charges because it was " in the same geographical area ''. Of course it was, they had stolen my physical wallet. Now I have received a letter threatening to take me to collections for the amount these people stole. I did everything to inform them that these charges weren't me and ordered a new card the same day and still they do this. It is not legal, I am not responsible for the charges some theives made on my card as I did nothing wrong and immediately reported it to Ally. I am not even able to access the account to attach screenshots because they have locked me out.

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 2022-11-28
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: SYNCHRONY FINANCIAL (NY)

Complaint:
Personal identity theft regarding opening credit cards using my social security number and personal information. 
XXXX. XX/XX/XXXXXXXX SYNCB/AMAZON ( bank ) 2. XX/XX/XXXX SYNCHRONY ( bank ) XXXX. XX/XX/XXXX XXXX XXXX ( finance ) XXXX. XX/XX/XXXX SYNCHRONY ( bank ) XXXX. XX/XX/XXXX XXXX ( finance ) XXXX. XX/XX/XXXX XXXX XXXX ( finance )

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 2023-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (GA)

Complaint:
On XX/XX/2023 around XXXX XXXX I tried to deposit cash into a Navy Federal ATM. 

This was at an offsite Navy Federal ATM. 
{$540.00} was deposited into the machine and the matched stopped working. It went down and displayed an error message. The money did not come back out and no receipt was printed. 

Navy Federal manager XXXX said they ran an audit and do not show any such deposits made at this machine and no discrepancies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-06
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: JPMORGAN CHASE & CO. (NY)

Complaint:
On XX/XX/2022, I used my Chase XXXX ( Presidential Plus ) to pay for a XXXX taxi ride from a restaurant to an airbnb. In XXXX taxi drivers are required to provide receipts for rides over XXXX. When I returned to XXXX XXXX  on XX/XX/XXXX, I saw a charge on my card for {$1600.00}. I called Chase to dispute the charge. They told me to file the complaint online, which I did. I documented the actual journey of the ride, which was about XXXX minutes. XXXX was the company that processed the charge. They provided me with the name of the business " XXXX and XXXX '' after numerous requests and filing a complaint with the XXXX banking regulator. I have provided Chase with all of this information. I will sign a notarized affidavit stating the facts. 

I sent multiple updates to Chase, with no response. I called today, and the agent said that without the receipt showing XXXX which I do not have, there is nothing they can do. There is no protection whatsoever. 

Furthermore, they said, " Don't worry about payment in the meantimethe amount disputed and any interest or fees won't be included in your balance while your dispute remains open. '' There was never any acknowledgment of the dispute and no hold on the amount. I had to pay it. 

I have had this card for over 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
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: FIRST PORTFOLIO SERVICING INC (CA)

Complaint:
Hello this application was withdrawn please have this removed! I also have proof if needed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates (NJ)

Complaint:
I explained this debt is reappearing after on or about XX/XX/2022 I provided a police report and confirmed my address during the time the account was active. The representative told me I was mentally unwell ( XXXX ) and I'll pay this bill after they report it to the credit agencies. These charges were a result of identity theft.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
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. (TX)

Complaint:
XX/XX/XXXX I sent the credit bureaus a request to investigate the inaccurate items reported on my credit. I pulled a new credit report today XX/XX/XXXX and there were no updates changes, or response sent to me. It has been more than 30 days from the last dispute and I still have accounts with balance that should not have a balance. accounts outdated still reported and even accounts that are not mine. I am loosing patience and need 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 2022-09-27
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. (CA)

Complaint:
This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.

This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX Opened Date XX/XX/2015 Balance {$23000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
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. (OH)

Complaint:
Per my most recent credit report ( XX/XX/XXXX ) shows a charge of for a company XXXX XXXX XXXX, this company has continuously been reporting incomplete, inaccurate, and unverified information on my credit report. it also shows that this company have sold my info to numerous 3rd parties. I have attempted to dispute this charge in XXXX XXXX and XXXX and no action has been taken.

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: Experian Information Solutions Inc. (TX)

Complaint:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$7200.00} XXXX  XXXX Balance : {$7500.00} XXXX XXXX XXXX Balance XXXX {$25000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$210.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

Complaint:
On XX/XX/2021 I sent a letter to capital one request copies of all records relating to the accounts. I also sent an identity theft affidavit and a copy of my FTC Report. I sent this letter out certified for {$4.00}. With copies of my ID and social security number as well. Capital One responded with a letter stating I didnt send in enough information and they werent taking any action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

Complaint:
Someone at a XXXX XXXX  store stole my information and opened an account fraudulently and for some reason applied and created all kinds of inquiries under my personal information ... ..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2016-06-02
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: California Business Bureau, Inc. (CA)

Complaint:
In 2013 I was hospitalized on an emergency basis. When I was admitted, I signed XXXX financial responsibility document. I was uninsured and my hospital expenses exceeded {$100000.00}, and reflected on XXXX BILL, and assigned XXXX ACCOUNT NUMBER. 

The hospital assigned the debt to CALIFORNIA BUSINESS BUREAU, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

Rather than report XXXX debt to the credit reporting agencies, CALIFORNIA BUSINESS BUREAU has listed the debt FOUR times as XXXX SEPARATE ACCOUNTS with XXXX, FOURTEEN TIMES as XXXX SEPARATE ACCOUNTS with XXXX, and EIGHTEEN times as XXXX SEPARATE ACCOUNTS with XXXX. 

There is and was only XXXX ACCOUNT with the original creditor. 

CALIFORNIA BUSINESS BUREAU is falsely and fraudulently reporting XXXX debt as several as an intentional act to damage my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Allied Collection Services, Inc. (Nevada) (NY)

Complaint:
Over a year ago, XXXX, I received an email from a police officer in XXXX saying that XXXX ( a XXXX company ) was pressing criminal charges against me alleging fraud over a {$600.00} transaction. I attended the court date, and neither the officer who filed the complaint nor a representative from XXXX payments was there. The judge informed me that I would be notified of a second court date appearance where the case would be settled, however I was never contacted again regarding this matter from the court or the company, and I assumed it had been thrown out by the judge. 

Today I come to find my credit score is lower than it usually is and see that there is a collection claim out against me from XXXX through Allied Collection Service , Inc. of XXXX for the same disputed amount that I had previously attempted to settle in court. 

So, 2 years now after the disputed transaction has occurred I 've had criminal charges and a civil suit taken out against me. Is n't this barred by the Constitution ( 5th Amendment )? Also, if XXXX would have just sent me a bill in the mail as soon as they realized they were not paid for the disputed transaction, I would have gladly paid it and had this done with. 

At no time have I even been able to defend myself to the company or in the court. And now, over a year later, they are targeting me through a collection agency. 

This just does n't seem right, especially since I have received no emails, letters, or phone calls regarding this matter besides the one notice that said I had to appear in court, which I did.

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