hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-05-31
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: AMERICAN EXPRESS COMPANY (NY)

Complaint:
A reservation was made for a hotel stay at XXXX XXXX in XXXX, NY on XX/XX/2023. Our American Express card was used to hold the reservation in the amount of {$1400.00}. We then cancelled the reservation the same day and received a cancellation email from XXXX XXXX. I then noticed the charge on the account days later and asked for it to be removed. American Express removed the charge, but then claimed that the vendor submitted a response so they reinstituted the charge. We called the vendor and they said it has been cancelled and we should have had the refund. I called Amex, but they would not tell me why. How do I get the refund for this?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (TX)

Complaint:
I had closed an American Express Account ending in XXXX in XX/XX/2023. The reason was they wanted {$700.00} for an annual fee to have the card. I have been paying the remaining balance off and used their Mobile App on XX/XX/2023 to pay the " Total Amount '' indicated, XXXX as confirmed in my bank register XXXX info : ORIG CO NAME : AMERICAN EXPRESS ORIG XXXX XXXX XXXX CO ENTRY XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX IND ID : XXXX IND NAME : XXXX XXXX XXXX XXXX XXXX : XXXX ACH debit - {$1600.00} AMEX promptly notified me that the account was closed via E-Mail via their credit monitoring site hosted by XXXX. I've attached a copy of that E-Mail. 

Yesterday I received a notification that a payment was due, so looking into it again with the mobile app it said I owed XXXX for the same account. I went online through my desktop and I can't even see the account anymore, it's closed. According to AMEX this was for interest I didn't pay the month before. I paid the entire Total Amount indicated by XX/XX/2023 as indicated. 

Problem # 1, I paid the " Total Amount '' due on the due date. Why did I get charged the extra bonus interest in their favor? Especially since their credit reporting site says the account is closed?!? 
Problem # 2, Mobile App says one thing, you owe us {$21.00}. Desktop Website says nothing. Would the real amount owed please stand up?!? I can't rely on their technology to tell me the truth. With more and more companies forcing " electronic statements. '' I can't trust AMEX to be honest about what's owed and why. Online on my desktop, I see one thing, and on their mobile app another. 
Problem # 3, If I hadn't paid the account off why did XXXX know the same day that I had? That makes no sense. 

I don't mind paying interest, that's part of the game but AMEX in this case is out of line charging me extra interest on a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

Complaint:
Hi, I am having a problem with RUSHMORE LOAN MANAGEMENT reporting my account late, if I am on a trial loan modification period. You shouldn't have been reported my account s being late. Borrowers who enter into the trial modification period should NOT be reported as late, according to servicer guidelines for XXXX XXXX, XXXX XXXX, as well as other loans ( " non-GSE loans '' ) being modified by HAMP-participating servicers. With that being said XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX is being reported incorrectly. With that being said this account should be deleted ASAP. With this being said please delete this account from my credit report. I have the right for an accurate credit report under FCRA. On XXXX   report you reporting my account was on time but XXXX and XXXX you report me as being late. that alone is a mistake you made it have to be deleted. see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
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. (CA)

Complaint:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT # XXXX XXXX XXXX, ACCOUNT # XXXX XXXX XXXX, ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX, HAS VIOLATED MY RIGHTS 15 USC 1681 SECTION 602 8 STATES THAT I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 2 ALSO SRATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH MY 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 non-monetary relief
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (TX)

Complaint:
XX/XX/2023 I received a letter from Citi. That they accepted the debt management proposal. However, I never enter in a debt management program. My daughter XXXX XXXX did in XX/XX/2023. Now she was only an authorized user thats it. Im the primary card holder. So the debt management must of sent a letter to Citi. However, instead of ignoring it. They cancelled my credit card but Im the primary cardholder in good standing. Also, when I called I would get to call collections when my card is in good standing. So today on XX/XX/2023 I called Citi collections and they tell me I have to call the debt management company to remove this request. But I have no account or any communication with this debt management company. This is Citi error because they should of not canceled or closed my account because an authorized user has not authority over a primary user account because it on my credit, my name and my social security. When XXXX tried to tell Citi Collections rep on their mistake. She keep referring me to call the debt management. 
I cant talk to them I have no services or account with this unknown company. Why should I fix Citi error. Now this mistake dropped ky credit scores because they closed my account and now it shows in a payment plan when I never request this. I tried to talk to a manager and the rep didnt want to connect me to one after 7 times I asked and demanded she put me on hold for 10 minutes and stated no manager wants to talk to me. That I need to fax a letter. I told the rep Citi in violation of the XXXX rules and no authorized user can canceled the primary holder credit card and Citi can not used an authorized user debt management program to override the primary card holder credit card. I tried to get this fix and explained that this is Citi error. Debt management did their part to give notice and Citi only had to do is file the letter and do nothing because it didnt pertain to the credit card primary holder. 
Citi is probably doing this error to other clients as well. I want some form of action and some investigation because my credit was affect and my credit card rights were violated Thank you, Primary Credit Card Holer

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 2021-08-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (MD)

Complaint:
On XXXX XX/XX/2021, deposited personal check to Navy Federal Credit Union Bank for the amount of {$50000.00}. The check was cleared by the XXXX XXXX  on XXXX XX/XX/2021. 
On XXXX XX/XX/2021 at XXXX hours I called Navy Federal and learned that the amount of {$50000.00} wasn't available to me. I asked Navy Federal customer representative, why my funds are not available to me? I was put on hold and no one reached out to me. 
On XXXX XXXX at XXXX hours, XXXX XXXX at XXXX hours, and XXXX XX/XX/2021 at XXXX hours called and checked with XXXX XXXX  to confirm about the check status and XXXX informed me that the check was cleared and funds was released to Navy federal. 
On XXXX XXXX at XXXX hours, XXXX XXXX at XXXX hours and XXXX XX/XX/2021 at XXXX hours, called Navy Federal and in response they informed me that they hold funds for two days and then release. 
Today is XXXX XX/XX/2021 and funds are still not available to me. 
I feel that Navy Federal is using my money illegally over two weeks and I am suffering.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (TX)

Complaint:
Enhanced Recovery Company , LLC located at XXXX XXXX XXXX, XXXX FL XXXX ( ERC ) represented XXXX XXXX XXXX on a collection matter in which I owed a small sum of money from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX. I canceled my services with XXXX XXXX XXXX in a prior time frame and had no knowledge there was a balance due after canceling. Originally I thought ERC and one other collection company were contacting for the same account. By the time I realized the account was split up and one was in collection with ERC, I contacted ERC to dispute or settle the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) portion of the outstanding bill. I promptly paid the amount requested and was told the information will be removed from my credit report once the payment has cleared. Additionally, I paid the other collection company that separately represented the Cable TV ( XXXX XXXX XXXX XXXX ) portion of my old XXXX XXXX XXXX bill and they promptly, even without me asking, removed the collection account from my credit report. However, ERC has not removed the XXXX XXXX XXXX XXXX collection account from my credit report. I have called them on at least 4 occasions regarding this matter since XX/XX/2020. On the first 3 calls, representatives from ERC told me that XXXX XXXX XXXX was responsible for removal. However, when reaching out to XXXX XXXX XXXX XXXX  Office of the President, I was told they have no control over removal. Not only did XXXX XXXX XXXX mistreat me and create confusion over splitting up the originally bundled bills between services, which made me think the collections were for the same account, ERC is still creating confusion and circular conversations on who's responsible for removal. ERC was not transparent about their policies pertaining to removing the account from my credit report prior to and after me paying them. The amount due was minuscule and does not require any additional reporting to credit bureaus. Such a small sum of money does not warrant this type of aggressive collection behavior. There is absolutely no reason for it to be there. ERC appearance on the credit report gives a false suggestion that the debt is still outstanding. I am having difficulties obtaining a mortgage because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
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. (LA)

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 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.

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 2019-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

Complaint:
XXXX XXXX Closed : XX/XX/2017 ... {$1700.00} I have never done business with 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 2019-02-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (GA)

Complaint:
Background info - I purchased a car from the local XXXX dealership in XXXX of 2018. The loan is through XXXX XXXX 
The Issue - I have made a couple of late payments and late fees were assessed. I made payments to cover the late payments and late fees. Well, I was looking at my loan account when I went to make the most recent payment and noticed all of these fees, {$130.00}. 
Before contacting the lender, I looked through all of my payments to make sure that the error was not on my end. According to my calculations, for the eleven months that I have paid the car note, it adds up to {$6000.00} plus an additional {$130.00} in the late fees. To date, I have paid {$6200.00} which was supposed to cover my car note and the accrued late fees. 
I called the finance company to ask why am I seeing {$130.00} in outstanding fees considering when I made payments according to the bills received, the late fees were apart of the monies paid. According to the agent, despite the fees showing on the bill and me sending in the payments were never applied to the late fees so the late fees are outstanding and past due. He stated that I would have had to have called and asked that the funds be applied to the late fees. 
According to the representative, the extra money was paid to the interest and not even towards the principal. I have just been shafted out of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXXXXXX 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 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 2018-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Complaint:
-XX/XX/XXXX an item was ordered by accident from XXXX  costing XXXX dollars. 
-- XX/XX/XXXX I received notice via e-mail that the item was ordered. On that same day I called XXXX and cancelled the order. 
-- XX/XX/XXXX item was delivered when I was at work. On that same day I called my credit card company and told them to hold payment because I cancelled the item and it showed up anyways. 
-- Not sure exact date but early XX/XX/XXXX I shipped item back to XXXX unopened. 
-- XX/XX/XXXX without me knowing XXXX disputed delivery because they did not receive or process return yet. 
-- XX/XX/XXXX XXXX received return. ( I have proof with attachment ) -- XX/XX/XXXX credit card company issued refund back to XXXX based on XX/XX/XXXX information. I was never told of this until I received bill in XX/XX/XXXX. 
-- Beginning of XX/XX/XXXX I received bill from credit card company with the XXXX charge on it. 
-- Early XX/XX/XXXX I have numerous calls with the credit card company and XXXX on this matter. Credit card company tells me they paid XXXX on XX/XX/XXXX and I have to pay XXXX dollars or be charged interest. When I talk to XXXX they tell me they have no record of refund on XX/XX/XXXX ( I have proof with attachment ), but they do agree that the item was returned. I call credit card company back and asked for some kind of confirmation number or proof they sent XXXX the money on XX/XX/XXXX so I can give to XXXX so they can track down the transaction. Credit card company tells me there is no proof they can give me. 

-- So the main thing I am trying to get is proof of the transaction from my credit card to XXXX on XX/XX/XXXX in the amount of XXXX so XXXX can possible track this transaction down and I can get a refund that I deserve. 

-- The credit card company is bank of America. 

-- I would greatly appreciate any help you can give me on this matter.

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 2022-07-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

Complaint:
My husband and I applied for a mortgage with XXXX XXXX XXXX XXXX XXXX XX/XX/2022. On the same day, our credit report was pulled with our permission. 

However, on XX/XX/2022, XXXX XXXX pulled our credit again WITHOUT our consent or awareness. The XXXX XXXX lender admitted to this error and agreed that it was an unauthorized pull. We were informed that they submitted a request to remove this hard inquiry on XX/XX/2022. Upon further investigation, we learned that they did not submit this request until we continued to follow-up and complain about their lack of response on XX/XX/2022 ( XXXX reference XXXX XXXX ). However, they only submitted it to Equifax ( not XXXX or XXXX ), and only for me, not for my husband. 

To date, and thanks to our own action, XXXX and Equifax have removed it from my credit history, but neither have removed it from not my husband 's. XXXX has not removed it from either of our credit histories. 

We are requesting that XXXX XXXX XXXX XXXX perform their due diligence in resolving their mistake and request removal of this hard inquiry pull from all three credit bureaus for BOTH my husband and me. 

Attached is the email communications with the XXXX representative admitting that this was in fact an UNAUTHORIZED hard inquiry pull.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
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: EQUIFAX, INC. (SC)

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed these items on XX/XX/XXXX, and XX/XX/XXXX, but the bureaus did not remove them, or prove validation. 
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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

Complaint:
I sent the credit Bureaus letters asking them to verify the debt on my report. They have sent it back stating that everything is verified correctly. My credit report is showing inaccuracies. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX Credit Unions XX/XX/2022 XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
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. (FL)

Complaint:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

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 2019-01-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MI)

Complaint:
On XX/XX/XXXX I logged into my XXXX XXXX XXXX, entered my new bank account information, and made my monthly payment that was due on the XXXX. When I received my monthly statement on the XXXX I noticed that no payment was processed. I called XXXX and was told they had no record of the transaction. I questioned how the the new banking info needed to make the payment could have changed if the payment wasn't requested, they couldn't answer the question. When i got off the phone i made a replacement payment but have yet to resolve the issue. In addition to reporting me late to the credit agencies, XXXX has also supplied account information to the credit bureau 's that doesn't match-up with the account information showing online. I'm not sure if this was just a glitch or if my acct information might be combined with another persons, regardless this is effecting my ability to obtain credit and I'm asking for the CFPB 's help in correcting this error.

Company response to consumer: Closed with explanation