hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-01-16
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. (NJ)

Complaint:
I wanted to dispute a transaction which I purchased with a credit card issued by Chase Bank ( I was unsatisfied with the service I received from merchandise ). However Chase didn't treat my request well and didn't even try to protect customer 's right or investigate more into the case I met. 

Some details for the transaction- I purchased four tickets for XXXX XXXX XXXX XXXX XXXX  for the XXXX candlelight concert held by XXXX. However, the experience didn't reach my expectations and I would like to request a refund for the XXXX tickets. 

1. We purchased tickets for XXXX XXXX XXXXeats but when we arrived, the only seats remaining for us were the last rows of XXXX XXXX ( We can't even see XXXX 's face from there ), which should had a lower price than XXXX XXXX  tickets. We complained this to the staff but we were told the seats were first-come-first-serve. That totally didn't make sense. XXXX XXXX has different price than XXXX XXXX, how can all seats be fcfs? 

2. The scheduled firework was canceled. Firework was the most expected part we were looking forward to but it was canceld. We also communicated with the merchant for the cancelation, but they didn't give any feedback for this and didn't provider solutions. 

3. The performers played several wrong notes, especially in XXXX XXXX XXXX XXXX XXXX XXXX 

Unfortuantely, the experience didn't reach our expectations- especially the expeirence with the seating, we felt really being offensed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

Complaint:
In or around  XXXX   XXXX , I purchased a vehicle and informed Equifax,   XXXX   and   XXXX    that they are incorrectly reporting a judgment on my report.   XXXX   and  XXXX  have since removed it. I purchased another vehicle  (   XXXX / XXXX / XXXX   ), and was shocked that Equifax did not remove this derogatory remark which increased my monthly paym ent due to the interest rate. I gave proof to Equifax in  XXXX  that there was not a judgment entered in favor of a prior Landlord in  XXXX  against me. In  XXXX  I called the clerk 's office of the jurisdiction of whom recorded it. They advised that they do not report, emailed the pla intiff 's attorney he advised that they do not report, or the creditor ( in this matter being the " Landlord ''.  I settled this matter before it even went to litigation, because I did not want my credit reflecting a judgment, and have been penalized for the last 6 years. I emailed the attorney again on  XXXX / XXXX / XXXX  and he advised that I need to co ntact the CBR agency b ecause he nor his clients can do anything about it.     Judgment recorded  XXXX  for {$4200.00} against another party

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Upgrade, Inc. (TX)

Complaint:
Upgrade credit line company took an extra {$2900.00} from my account over three weeks ago and refuse to refund the money. My account is paid in full, and this is a double payment which should not have occurred. 

When I call and speak to customer service, including a supervisor, they refuse to give me any information and keep saying its a process. After multiple attempts to get a resolution, they still have not refunded my money, and they keep saying they are waiting for management approval, which never comes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (CA)

Complaint:
CONVERGENT OUTSOURCING, INC. is refusing to remove a collections report from my file. I do not owe Convergent Outsourcing any money. I never paid Convergent Outsourcing any money. I have been trying since the XX/XX/XXXX to get this collection removed from my credit reports. I have filed two disputes. Convergent blocked the disputes because they keep telling the credit report companies that I paid them money when I did not. My account with XXXX XXXX is closed. XXXX said that I don't have a file with them and that I need to clear the matter with Convergent. Convergent says I need to clear the matter with XXXX. Convergent lied and says that I communicated with them about this account two days ago ( XX/XX/XXXX ), which is impossible as that was a Sunday, and I never called them anyway. Today ( XX/XX/XXXX ) is the first day I have ever contacted Convergent because I was told to do so by the credit bureaus and 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 2017-10-15
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. (TX)

Complaint:
I was on deferment with thin long and in the process of being on deferred loan I Fort was applying for XXXX through XXXX XXXX and during this time that the the customer representative told me that I can get on deferred where I can suspend my payment until they decide if I 'm going to get the XXXX or not both companies were aware that I was applying for this during this time while I 'm waiting they put this on my credit I asked him to put this on I asked them to pull the tape so we could listen to the conversation of what the representative told me. I do n't believe that there are true and correct I have went back and forth with them and that 's what the representative told me and they knew that I was in the process of getting a XXXX and the representative told me that everything would be okay and it would not show A payment

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (WI)

Complaint:
I have a credit card through Wells Fargo that I had reported for fraudulent activity. The card was closed and another account was open ( as expected. ) However, I was never notified of the new account and it did not appear on my Wells Fargo account, thereby removing the option of paying my card through my Wells Fargo account. This is a direct violation of their written contract which states, " pay in mail or through your Wells Fargo account. '' I did not receive any mail notices until late XXXX, when my account had already been closed due to missed payments, which I again, were never notified about. I literally found out the account was closed due to my credit score dropping dramatically. I need help, as one man, to fight this giant, too big to fail corporation. I just want to repair my credit score, I will pay the principle and interest payments I have accrued. This is what I agreed to and I will abide by what I agreed to, unlike Wells Fargo.

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 monetary relief
Consumer complaint received 2021-02-24
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: EQUIFAX, INC. (SC)

Complaint:
I recently check my credit reports and seen I had over 230 inquiries. There's no way I obtained all these inquiries and some of the dates, addresses, and places of inquiries don't even add up. I've requested to have these removed immediately from the bureaus due to possible fraud and nothing has been done. XXXX  was the only credit bureau to actually look into this. I want these off my credit NOW!!! I know my rights when it comes to fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
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 appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 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 2022-01-27
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2020-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Complaint:
Bank of America withdrew more than {$1000.00} from my bank account despite having a {$0.00} credit card balance. Bank of America then gave my {$1000.00} plus dollars to the State of New Jersey. Bank of America refuses to withdraw monies from my account when there is a balance and simply cancelled my credit card.

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 2023-08-16
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: Experian Information Solutions Inc. (NV)

Complaint:
My credit report is showing late payments to XXXX XXXX XXXX, XXXX  XXXX BANK NA XXXX, and XXXX  ACCOUNT SER XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.

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 2022-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Complaint:
no known knowledge of any account, i do not have an account contract or agreement with this company Account details Account status Over 120 days past due Account type Revolving Account number XXXX XXXX Date opened XX/XX/XXXX Date closed XX/XX/XXXX Past due {$590.00} Responsibility Undesignated Times XX/XX/XXXX Days Late 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 2022-08-09
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: BARCLAYS BANK DELAWARE (TX)

Complaint:
Recapping compliant to file with XXXX. 
See attached PDF of confirmations XXXX, XXXX, XXXX. 

I made online reservations with XXXX XXXX 3 times staring Tuesday XX/XX/2022 using my XXXX XXXXXXXX XXXX # XXXX and it was denied each time. 

XX/XX/2022 -Reservation # XXXX was denied and when I called XXXX XXXX Customer Service, no valid reason other than it looked like XXXX. I was told the charge was denied and to rebook the stay, the customer service representation had spoken to their security department. I also called the hotel directly to confirm the reservation could not and would not go thru, the cjharge had been denied. 

XX/XX/2022 -Reservation # XXXX was denied again and when I called XXXX XXXX Customer Service and spoke to a XXXX, no valid reason other than it looked like XXXX being charged to my account. I was told the charge was denied and to rebook the stay, the customer service representation had again spoken to their security department. I also called the hotel directly to confirm the reservation could not and would not go thru, the cjharge had been denied. 

XX/XX/2022 -Reservation # XXXX was denied again and when I called XXXX XXXX Customer Service, no valid reason other than it looked like XXXX. I was told the charge was denied and to rebook the stay, the customer service representation had again spoken to their security department. I also called the hotel directly to confirm the reservation could not and would not go thru, the cjharge had been denied. 

XXXX time I used another credit card and booked the hotel successfully. 

I have logged on several times to check my account to make sure the charges did not show up, but today 5 days later the charges showed up on my XXXX XXXX XXXX  # XXXX and the hotel will not refund these charges. I am not paying for this, I should have had good customer service the first time I called. I called 4 times and was told all 4 times, once the charges were denied they would not and could not go thru on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
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. (NC)

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2018-05-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Colony Brands, Inc. (FL)

Complaint:
I have observed that XXXX has been reporting an account on my credit report for the last seven months that doesn't belong to me. I disputed the account on several occasions with the credit bureau and they stated that XXXX verified the debt as mine. I then contacted XXXX asking them to verify this debt but to no avail., they have failed to verify but continue to report the fake account. I will now ask one last time for them to send me the contract I signed that contractually obligates me to pay this fraudulent debt. I know my rights have been violated and I will contact a consumer attorney if this account can not be resolved amicably. The account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
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. (GA)

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance Corp. (PA)

Complaint:
On XX/XX/2018 I tried to refinance car again. The credit union denied my application again. She said the reason is the car XXXX more than it is worth. My credit is not good enough it need to be XXXX mine is XXXX. My ratio is XXXX meaning that they think that I wouldn't be able to make the monthly payments. I co-signed a car loan for my daughter and her credit is worst than mine. I was trying to see if they would approve it without her this time but it was still a no. We brought the car from XXXX XXXX they said that after 6 months to a year we could refinance the car with a credit union and build our credit up together. My daughter has not missed a payment and never a late payment. I didn't think that we would even be approved because my credit is a maybe and her credit is bad. We were financed through Exerter Finance. I called them and explained that the interest rate was too high could they lower it since were in good standing and never late. The interest rate is XXXX. They said go to a credit union, I said we tried that several times and XXXX XXXX said the same thing the car payoff amount is too much higher than the car is worth. Exerter said they don't refinance. Why is it legal for them to give us a Predatory Loan. How did we even get approved, if a person credit is not good enough to Refinance a car then they should not be approved for a car loan. I would like Exerter to lower the interest rate since we have proven that we can pay the car loan on time. Most of the money is going to the interest and not the principal. Can we sue them for Predatory Loan? What are our rights as a consumer?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
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. (AR)

Complaint:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX, Account # XXXX XXXX XXXXXXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Account XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXXXXXX Account # XXXX XXXXXXXX Account # ( Original Creditor ) XXXX Account # ( Original Creditor ) XXXX Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXXXXXX Account # XXXX XXXXXXXX Account # XXXX  XXXX Account # XXXX XXXXXXXX Account # XXXX XXXXXXXX Account # 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. The alleged obligation must be referred to the United States for collection of said obligation [ per 18 USC 8 ], not to me. 2. This reporting has not been permitted or ordered by any court, and is consequently being done in violation of [ 15 USC 1681b ]. Any agreements alleging to give permission to report or furnish a report are hereby rescinded for reason of a mistake being made under duress. 3. The debt collector has no wet ink signature of mine showing any agreement to any obligation to engage with me for any reason. They do not have permission to have acquired my location information or any other pieces of Personal Identification Information. Any alleged permission obtained by my signature is hereby rescinded for reason of a mistake being made under duress.

Company response to consumer: Closed with explanation