hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2020-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Complaint:
On Tuesday, XX/XX/2020, I deposited at about XXXX local time the sum of {$600.00} CASH via ATM on XXXX XXXX XXXX , XXXX XXXX , CA , into my Credit Card Account ending in XXXX. 

Regrettably, on Wednesday, XX/XX/2020, Bank of America is UNLAWFULLY WITHHELD CREDITING MY ACCOUNT, in clear breach of their own Terms of Contract & Service with me-which unequivocally stipulates that Monies or Checks deposited by XXXX on a business day would be CREDITED the next business day. Accordingly, I strongly believe Bank of America 's action is not only capricious, but DISCRMINATORY as well. 
I say this because the previous week, I had tried to make a payment by XXXX for the amounts of {$77.00} and {$100.00} respectively, which was REPEATEDLY DECLINED. Bank of America sent me a Text and Email to verify these two transactions, which I promptly did. 

Indeed, on the night of XX/XX/2020, I also called Bank of America, spoke to the " Fraud Department '', and assured them AGAIN that the aforementioned XXXX transactions were made by me. I was assured that the necessary NOTES would be made on my Credit Card account, and that my Account would not be " blocked again ''. 

Despite this affirmation and confirmation by Bank of America fraud department staff on XXXX, Ms XXXX ( Employer ID # : XXXX ) of Bank of America `` Contact Center for Credit Card '' told me today that the reason why the {$600.00} deposit was being withheld for the next five days ( i.e. until next Monday, XX/XX/2020 from being credited was ostensibly because Bank of America was waiting for it " to clear '' their system. This is clearly LUDICROUS and a BLATANT LIE. I mean, it's a CASH DEPOSIT-for crying out loud. 
Against this backdrop, I strongly believe that Bank of America is hell-bent ( albeit unlawfully ) to impose a FALSE NARRATIVE upon me and my account to the effect that there must some " fraud '' going on with my credit card account. This is pernicious DISCRIMINATION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
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. (CA)

Complaint:
I sent a billing error dispute/validation of debt, affidavit of truth, opportunity to cure and notice of default letter to Macys XXXX XXXX XXXX Citi Bank N.A XXXX over the course of several months ; They have not worked with me to reconcile my account and maintain proper procedure under federal law therefore reporting several late payments and account closure on my credit report without my consent. Because of this, I have endured great anguish and turmoil as I have not been able to handle my affairs due to the hard hit my credit report has taken. Their unfair and erroneous debt collection practices need to be punished! here are a few federal laws they have broken to start with : 15 USC 1692c 15 USC 1692d 15 USC 1692j 15 USC 1666d 12 CFR 1026.13d ( 1 ) 12 CFR 1026.13d ( 2 ) 12 CFR 1002.4 ( a ) 15 USC 6802b

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 2020-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Complaint:
I submitted a formal written request to all 3 credit bureaus ( XXXX, TransUnion and XXXX  ) on/around XX/XX/2020 and a second written request was sent via certified mail on XX/XX/2020 seeking the deletion of erroneous and inaccurate information contained in my credit file. 
In my letter sent and received by XXXX, TransUnion and XXXX  on XX/XX/2020, I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 5 months from my first written request and more than 3 months since my second written request and I still have not received any responses.

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 2021-09-13
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: Santander Consumer USA Holdings Inc. (CA)

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (NC)

Complaint:
I was under the impression from Navy Federal that if I paid my old debt from XXXX plus years ago I would be able to gain membership again. I paid the XXXX dollars to the branch in XXXX sc. I then wrote a letter to the Ceo who then just passed it off to someone else who passed it on. I was then notified on Thursday XX/XX/XXXX th that since the bank took a loss the would not be reinstating my membership with. Navy Federal. I then asked for a refund of my money they then transferred me back and forth for over XXXX minutes and when I finally asked for a supervisor they hung up on me. At this point I don't want my membership back I just want my XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia (VA)

Complaint:
Original service date was XX/XX/XXXX, a bill was never sent to either of my insurance companies in which I submitted billing information while in the ER. They never sent a bill originally, then then statement they sent me was void of a CPT code. I sent the statement to my insurance company who DIRECTLY requested a BILL w/CPT. They never answered and reported it to THEIR COLLECTIONS AGENCY this Collection agency. 
Now this agency has reported to PAID BY INSURANCE ( as of XX/XX/XXXX ) bill to CREDIT BUREAUS STILL as Unpaid and has dropped my credit over XXXX points!! I have disputed it numerous times even after the XXXX contacted them showing that it was PAID by INSURANCE and a bill of {$0.00} owed they STILL REPORT IT AS DELINQUENT as of XX/XX/XXXX XXXX and XXXX Dispute Results!! AT THIS POINT THEY KNOW THEYRE LYING and deliberately reporting inaccurate information. I have sent them PROOF OF INSURANCE PAYMENT for the {$900.00}. This needs to be REMOVED from my credit and my Credit score needs to be RESTORED!! I have contacted this collections company numerous times and THEY KNOW its PAID yet they continue to DAMAGE MY CREDIT BECAUSE THEY IMPROPERLY ACTED!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (GA)

Complaint:
Reached out to CCBXXXX and they advised me that they will investigate the claim and will be in contact with the credit bureau XXXX The account is fraud and now they sold it to a debt collector without corresponding with me so I can receive the information. The account information is below : XXXX {$3200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (GA)

Complaint:
I took out a private loan in order to attend XXXX XXXX XXXX. I did not know there was a difference between private and federal loans. I graduated ; however, I have not been able to work in the culinary field as the pay was lower than I expected to receive Also, now my payment is {$700.00}. When I was on an income based repayment plan, the payment was only {$320.00}. This is hindering me from a lot of things right now. 

Also, our class went 1.5 weeks of no instruction for a 3 week course. I tried to get the class to come together and complain about it but they were not willing to. So I submitted a letter to XXXX XXXX for them to dispute it on my behalf. When I wrote my initial letter, I stated to them that I would like a refund of that portion of the tuition and that did not have time for tutoring as I worked after school. They denied the request for the reimbursement and offered me tutoring. I reminded him I stated in the letter that I had to work and did not need tutoring. They ended up giving me a store credit for the amount they owed me in tuition. Now I am stuck with a {$63000.00} private loan student loan debt at {$700.00} a month. I am unable to live in better living conditions with my family. It is the biggest bill in my house.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-20
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. (NC)

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-22
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. (NY)

Complaint:
15 U.S. CODE 1666B TIMING OF PAYMENTS 15 U.S.C 1666 CORRECTION OF BILLING ERRORS 15 U.S.C 1681 B PERMISSIBLE PURPOSE OF CONSUMER REPORTS XXXX XXXX account # XXXX reporting incorrect payment history on my credit report. All my payments been on time & should not have 30 day late payments, I want all credit bureaus to verify & update my report deleting these late payments as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC (FL)

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX XXXX FL XXXX TODAYS DATE : XX/XX/XXXX CAPIO XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 o
f this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CAPIO XXXX CAPIO XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
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. (TN)

Complaint:
ON XX/XX/2022, Sent a letter to XXXX, Equifax, and XXXX, XXXX informing them the information they are report to my consumer report is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
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: Experian Information Solutions Inc. (VA)

Complaint:
I have one second mortgage with XXXX XXXX  XXXX, the Experian credit is showing two separate mortgages with same open, balance, monthly payment and same creditor and they are reporting both negative on my credit report.

There is only one mortgage in reality, and the status is not reporting accurately, the status is showing as foreclosure proceeding started. The real property has been foreclosed in 2010. 

I need help in getting this resolved please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Complaint:
XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX is inaccurate reporting an item on my credit, XXXX TransUnion and XXXX  are allowing this to happen and have continued to disregard my request to validate this account and remove the inaccurate items from my credit report. 

1. Date Opened is listed different on multiple credit bureaus. 

2. This account XXXX Has FCRA Violation. 

3. This account is being RE-AGED FCRA Violation. Date of Last Activity is being RE-AGED every month. 

3 different dates on each credit bureau. 
- Date Open Different on credit bureaus -Date of Last Activity Different on credit bureaus -Date last reported Different on credit bureaus 4. Last reported dated inaccurate. 

5. This account was a Business Account not a Personal Account and is being paced on my credit despite my several attempts to contact XXXX XXXX XXXX and XXXXXXXX XXXX and TransUnion correct and remove this inaccurate info from my credit report. 

6. The Balance is outrageous!! {$16000.00} for 1 months rent?? This is insane!!

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 2021-01-19
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. (AZ)

Complaint:
I had a dispute on a charge on my credit card for a service I signed up for but had canceled 7 days after because of lack of communication and the difference between the paperwork and what was offered on the website to name just a couple of the reasons. 
I sent their paperwork to Chase which showed I would not be registered until I got a release from my doctor, they temporarily removed the charge because instead of the company refunding my money they let it stay on my card. The company cut off all communication. 
When I filed a dispute with Chase I gave all the contract paperwork. The company had a deadline to respond, which apparently they did, with a few of the pages ( not all ) from what I sent of the contract. I did not know until after Chase put the charge back on my card that the company had responded. Apparently, they had sent an email to me telling me to look into the docs on my account which had gone into the junk file. There was only this one notification. 
When I called Chase after seeing the charge again, I was told I missed my deadline to respond to what they sent even though Chase already had all the documents that I highlighted where it states, I would not be registered until a medical release was provided. 
Chase then told me to send them any new information I had and it would be reviewed. I immediately re-sent all the pages I had sent before plus an email from the Vice Mayor of the town where they advertised one of the properties that people would be staying at showing it was now vacant and the complaint # with the AZ Attorney General 's office I filed. 
When I called yesterday, I was told that Chase decided to allow the charge because I had missed the deadline, not because they had reviewed the documents I sent. And now in my Chase file, the notice from Chase says, " we will not respond to future correspondence from you about it. '' and they have removed all their correspondence and what they received from the company prior to this decision.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-31
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. (AR)

Complaint:
I am a victim of identity theft and I have things on my credit report that is not correct and not mines. I have made a report. 
i sent in paperwork showing it was identity theft and no response or they tell me they never received the information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (MD)

Complaint:
I settled & paid off a debt owed for my XXXX credit card back in XX/XX/XXXX with the debt collection agency at the time. The company name was XXXX XXXX XXXX, XXXX. The account was discharged and released off of my credit report. 

In XXXX, Jefferson Capital Systems acquired my information from XXXX XXXX XXXX and began harassing me about the same debt which was paid in XXXX. Jefferson Capital Systems applied a derogatory mark on my consumer report for collection of this same paid-off debt. My credit score dropped XXXX points due to this. I am currently trying to resolve the matter with them but they are not responding swiftly or with any sense of urgency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Complaint:
TransUnion is reporting a closed account that hindering me to use my credit the account is credit strong

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 2020-08-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: FORD MOTOR CREDIT CO. (FL)

Complaint:
I went to XXXX to purchase a vehicle with 0 % interest and then purchased a 2nd vehicle for the same 0 % interest as well and then it was changed not to my knowledge to 7 % interest. I have contacted the company several times and they stated that what was on the contract and now refuse to give me documentation with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (UT)

Complaint:
On XX/XX/XXXX, the same day as my complaint regarding a credit card being issue in my name from XXXX XXXX XXXX XXXXXXXX, an unauthorized transfer of {$10000.00} was debited from my business account at Wells Fargo Bank. I have contacted the Wells Fargo Fraud Department and the case has been assigned XXXX. 
Posted Transactions XX/XX/23 XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$10000.00} Category : Other Insurance/Financial We have no knowledge of this person and the vendor 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 monetary relief