hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (MI)

Complaint:
Hello, My complaint is in regards to my Apple/Goldman Sachs general credit card. I opened the account in XXXX XXXX XXXX  and have used it consistently, have never missed a payment nor have I ever been late on a payment. 

I keep my balances very low as I take my credit score very seriously and keep overall balances at approximately XXXX %. 

This particular account consistently fails to report updated, accurate information which has negatively impacted my credit score and at one point prevented me from attaining another line of credit due to inaccurate information on my credit report on my Apple/Goldman Sachs card. 

Right now, today for instance, according to my XXXX  credit report, I have a balance of {$160.00} and have a 10 % usage percentage. In reality, I have a XXXX  balance. The balance of {$160.00} was from back in XXXX. I have used my card every month and have paid off my balances three times since XXXX. 

All three credit bureaus are reporting outdated information for this credit card because Goldman Sachs has not reported correct information. XXXX  says I have a {$250.00} balance on this card! It's all wrong and it's unfairly hurting my creditworthiness in the eyes of lenders. 

All three credit reports show Apple/Goldman Sachs has not updated my account since XX/XX/2021 ( and even then, the balance was not correct. ) Not only does it incorrectly show a 10 % credit usage on XXXX and XXXX but it shows a whopping 17 % usage on my XXXX report!! Absolutely wrong and UNACCEPTABLE. 
Then to add insult to injury - XXXX  is now threatening to remove the account altogether due to *lack of reporting* which will negatively impact my score even further. 

I have spoken to three different people at Goldman Sachs at length. No one can explain why this is happening and each opens a " ticket '' that promises to look into it and I am told I must wait ( yet another ) 30 days for their investigation to be complete as to why they are not reporting correct payment and balance information. Nothing ever updates and I have never once received any confirmation that their investigation was completed. I've worked so incredibly hard to build my credit up and rely on my score for business as well as personal projects. I have a pristine payment history across all lines of credit including this card but Goldman Sachs continues to incorrectly report balances and payment history. 

Also, when I have tried to dispute the balance / payment history with XXXX they tell me I can not dispute it and that I have to just wait for Goldman Saks to update my account. Then they threaten to remove it altogether due to " lack of reporting. '' ( Insert scream here. )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (VA)

Complaint:
Received a notice by mail for a medical transportation debt. I haven't been in an ambulance or any medical transportation in over 20 years. 

Received notice XX/XX/18 from Debt Recovery Solutions LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Complaint:
I obtained my card from Capital One on XX/XX/2021. 

In violation of 15USC 1681 ( Fair Credit Reporting Act ), Capital One has daily harassed me via email and has shared my information with third parties without my permission. 

I have communicated with Capital One several times in an attempt to resolve this issue, but the only response I have received has been increased harassment ( multiple daily emails ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

Complaint:
Today XX/XX/XXXX i received a text message on my cell phone from XXXX that read FINAL NOTICE : EXPERIAN HAS FLAGGED YOUR ACCT FOR UNUSUAL ACTIVITY. REVIEW BY XX/XX/XXXX XXXX : XXXX I clicked on the link and you had to setup an acct which included giving the last 4 digits of your social security number and other info and I only half setup the account and then I called experian and was on hold forever and luckily they informed me it was not from them and it was fraudulent and they put an alert on my credit report along with my phone number and since I applied for a home equity loan once the bank pulls my credit report I have to call all 3 credit companies and put a freeze on my account.I think this fraudulent text stems from being on ourtime dating site because there are so many scammers on that site and so many dishonest people. Ourtime is a very unsafe dating site.

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 2023-08-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (NY)

Complaint:
Hello, I opened a checking account offering a {$600.00} promotion after {$10000.00} in direct deposits back in early XX/XX/2023. Promo code for bonus was XXXX and entered during application process to open account. Requirements for the bonus were met but no bonus has yet posted to account. It has been 5 months.

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 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

Complaint:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Complaint:
DEPT OF ED/XXXX Is showing up as late payments when they should in fact be up to date. Additionally, the payment dates on the loans are incorrect, and show different balances as well as dates. If the information was reported from the same company. All information Pertaining to the loans should reflect all the same information. Due to inadequate information Im asking that these items be permanently deleted from all three credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (MI)

Complaint:
It has been 30 days and the creditor ( Shell Oil-Citi bank ) has not updated the information nor has provided proof or documentation in regards to a late payment. They have not provided the information and they must delete the alleged late payments on my credit report. Under federal law they had 30 days to complete the investigation and for failing to do so. The items must be deleted from my report as soon as possible. 15 USC 1666B

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 2018-05-22
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

Complaint:
My friends and family members are regularly receiving calls from " XXXX '' stating they were contracted out by " location services '' to collect my debt on the behalf of a payday loan that has been satisfied for years. 

They tell my friends and family members that I have a pending case against me and will be going to jail. 

When I call the number they furnish, they say they make no outgoing calls but refuse to give me their full name/address/etc ... all they ask for is my credit card and checking info. then I am threatened with a lawsuit and hung up on. 

I need them to stop calling friends and family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (FL)

Complaint:
This debtor claims I opened a XXXX  account this year which i never did in Florida. Some one used my identity to open this fraudulent charge XXXX and XXXX XXXX have removed this after I told them I did not open this XXXX has refused to remove this this charge is not my charges below is the information MRS BPO , LLC. 
Dispute not available XXXX XXXX XXXX XXXX  Account owner Individual Account Original Creditor XXXX  Date reported XX/XX/2023 amount XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC (NY)

Complaint:
I sent a dispute letter to Security Credit Services and XX/XX/XXXX credit bureau regarding a collection that was opened in 2020. XX/XX/XXXXis still the only credit bureau listed on my credit report while XX/XX/XXXX and XX/XX/XXXXhas since deleted this collection from my report the first time around. It is well over 30 days and the account still has hasn't been updated or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Complaint:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

Complaint:
XXXX XXXX cards ( specifically reward cards ) uses an archaic payment system which will not allow you to schedule automatic payments out past the current billing cycle. The system is set up that way because many people forget to log on each month causing a large late payment fee, typically over {$38.00}. During Hurricane Irma we were a bit discombobulated and I forgot to log on. In the meantime they hit us with late charges and would not ever consider accommodating the circumstance. I have not paid card in full and will no longer do business with a company that is set up to hit consumers with late fees when their system is not even up to date with the industry. Other consumers need to be aware of what they are getting in to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
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: EQUIFAX, INC. (FL)

Complaint:
In Accordance With The Fair Credit Reporting Act XXXX XXXX XXXX  : XXXX *XXXX XXXXl Account : XXXX XXXX  XXXX Account : XXXX Has Violated My Rights. 

15 U.S. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( B ) Reporting information after notice and confirmation of errors Apersonshall not furnish information relating to aconsumerto anyconsumer reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
these account do not belong to me XXXX XXXX XXXX XXXX XXXX, XXXX inuuiery date XX/XX/XXXX,, XXXX XXXX XXXX XXXX XXXX, XXXX inquirer 's date, XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX date, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX inquiry XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX date XX/XX/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 2021-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (SC)

Complaint:
On XX/XX/XXXX and XXXX, I hosted a basketball tournament in which teams make payments to participate. I established a checking account with BBVA. I was sure that I set up a XXXX  account. During months leading up to the event, teams registered using XXXX XXXX as the payment processor ( XXXX XXXX ). A part of establishing the account with XXXX XXXX was verification of my XXXX  that included me sending in required documentation ( IRS letter including Tax ID #, my personal information, etc. ) The monies collected were deposited into the BBVA account. After the event, I attempted to wire funds to pay for the referees. My account was frozen due to Fraud. I contacted the Fraud and Legal department of BBVA and was advised I needed to send in an IRS letter to connect me with the XXXX  account because the account that I had with them was a personal account. The agent requested an IRS letter. On XX/XX/XXXX, I emailed the IRS letter to BBVA. I have called and left messages with the agent handling my account at XXXX. Today, XX/XX/XXXX, I spoke with an agent that advised that there was only {$96.00} in my account out of the XXXX that was previously collected. 

I have not heard from anyone at BBVA to advise as to why the monies were sent back or that they would be sent back. I still have outstanding creditors that need to be paid. This is creating undue stress as I do not know where XXXX dollars has gone. 

I am a XXXX XXXX XXXX XXXX and this was my second event. My credibility as an XXXX XXXX is being questioned amongst other things.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
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. (CO)

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (FL)

Complaint:
I am an XXXX  who files legal documents through an electronic portal called the XXXX  XXXX XXXX. If a fee is associated with a filing, then I pay that fee through the portal by a withdrawal from my professional checking account at Chase Bank. Recently, the portal informed me that it would be using a new payment processor and that I should confirm with Chase Bank that no " debit blocks '' were associated with my professional checking account. 

On XX/XX/XXXX, I entered the Chase Bank situated at XXXX XXXX XXXX XXXX in XXXX, Florida, to discuss the foregoing. However, the employees at that bank refused to discuss the matter with me and informed me that I must make an appointment for a later date to discuss the matter. 

Since I first opened an account at Chase Bank two years ago, the bank has become much less accommodating to depositors. An employee of Chase recently informed me that Chase has decided to focus on commercial transactions which I interpreted as commercial transactions of " large value ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CO)

Complaint:
On XX/XX/2019, I reported to Chase Bank that two fraudulent transactions occurred that day on my debit card. The card had been issued within the prior 2 weeks as a replacement for a card that was expiring. The claim number for the fraudulent transaction that Chase refuses to resolve appropriately is XXXX. This was supposedly researched by Chase Bank who indicated that they found that the transaction was " processed correctly or was authorized ''. I received notification of this decision via a later dated XX/XX/2019. I called Chase Bank at XXXX on XX/XX/2019 at XXXX XXXX   and spoke with XXXX until XXXX at which time the call was escalated to XXXX. At XXXX I requested further escalation, which was denied. Last names were never provided by either customer service agent. I requested that the " verification '' obtained be provided to me and was told that they can not email or fax the verification. I was told verbally that the transaction was mailed to a XXXX XXXX   in XXXX, CA which is someone I've never met. I was given a USPS shipping number of XXXX, which confirms delivery in XXXX, CA which is approximately 1,000 miles from my home. I asked XXXX how this " verifies '' that I made the purchase and she informed me that it is my responsibility to prove that it wasn't mine. She repeatedly refused to escalate my call to a superior and indicated that she will not refund my money. As such I am requesting assistance from Federal resources tasked with supervising banking activities. Given the unwillingness of Chase Bank to properly address this issue, I am requesting maximal penalties be levied against the bank and a demand notification be sent to the bank for reimbursement of my fraudulently debited resources as well as punitive damages as seen fit. Copies of this request are being transmitted to CFPB, FTC, as well as XXXX XXXX, president of Chase Bank.

Company response to consumer: Closed with monetary relief