hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Synovus Bank (PA)

Complaint:
I entered into a consumer credit transaction with First Progress a few months ago .They are now sending deceptive forms according to 15 U.S. Code 1692 j. I have asked for the return of monies paid to them Pursuant to 15 U.S. Code 1692 h. I do not owe such alleged debt as I am a federally protected consumer. Their statements are false alleging I owe on something when i simply entered into a consumer credit transaction with First Progress using my credit card, which means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit, pursuant to 15 U.S. Code 1602 ( L ). So if i purchased this service on credit, I do not understand why they are alleging I owe such debt. When pursuant to 15 U.S. Code 1692 a ( 5 ) debt means any obligation or alleged obligation of a consumer to pay money arsing out of a transaction in which the money, property, insurance or services which are the subject of the transaction are primarily for personal, family, or household purposes ... Being that I am the consumer, the natural person pursuant to 15 U.S. Code 1692 a ( 3 ) which explains that the term consumer means any natural person obligated or allegedly obligated to pay any debt.I didn't obtain a " loan '' I simply entered into a consumer credit transaction with First Progress. I am not for any monetary compensation, i would simply like to keep my unlimited credit open until I the consumer decide to terminate services with First Progress. I also would like for them to stop reporting to any consumer reporting agency as I did not give any written permission for them to share my information with a 3rd party. Its an infringement upon my privacy as a consumer. I have sent 2 Affidavits of truth certified return receipt as well. I do not validate the alleged debt. First Progress ran my " credit '' received the credit and they want me to pay something back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Complaint:
Hi, There was a fraudulent transaction on my Bank of America travel rewards credit  card for {$180.00} by a merchant with name of " XXXX XXXX XXXX '' on XX/XX/XXXX. I was in XXXX  at that time, but i went nowhere near the XXXX XXXXXXXX XXXX or stayed there. So this was obviously a fraudulent transaction. 
Upon noticing the charge, I contacted XXXX  XXXX XXXX and asked about this charge. I got written confirmation from the hotel that they never made this charge and don't recognize it. They also confirmed that they never have a reservation under my name. 
Since this was obviously a fraud case, i filed chargeback with Bank Of America. After investigating for a month Bank of America ruled against me quoting that " either signature or pin was used in the charge, so it is not fraud ''. There is no pin on the credit card and I am sure I never signed anything. Bank of America did not even contact me as part of the investigation. 
Upon receiving this decision, i contacted Bank of America and reopened the dispute. Again they started investigation, but after a week of not even a single contact with me, they again ruled against me saying that they stay with their original decision. 

I felt very cheated. If Bank of America is investigating a fraud, why is that they are not even contacting the customer to see what evidence I have. Plus saying that either a pin or signature was used, which could easily be investigated and found to be false, is clearly a measure taken by the bank to descredit the customer and save themselves the hazzle of recovering this money or writing it off. 

Big banks like this should not be allowed treat customers like dogs. They should be held accountable to their policies of protecting their customer from fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, *Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
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. (MO)

Complaint:
I closed an account with XXXX XXXX back in XXXX. When getting ready to return all the equipment, I inquired about equipment that they had mounted/attached to the floor joists downstairs. The representative told me that I didn't have to return it as that equipment is no longer used with the upgraded technology. 

On XX/XX/XXXX, I received a collection notice from XXXX  XXXX XXXX : # XXXX. I called them and told them I couldn't owe XXXX  anything because my account is on automatic withdrawal from my checking account and has been that way for two years. I then called XXXX  and inquired about the collection. Finally after further investigation I found out it was for a modem that was attached in the basement. On XX/XX/XXXX, I returned that equipment to XXXX Receipt # XXXX filed a resolution document with XXXX XXXX  and provided all the information to them on the return. 

On XX/XX/XXXX, I contacted the credit bureaus and disputed the collection since it hadn't been removed. XXXX removed the collection. XXXX  and Transunion have not. I think I provided enough information and justification to have this removed.

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 2019-08-01
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. (GA)

Complaint:
I am a victim of identity theft. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap .. XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX/XXXX ( reported twice and this one is reported for collection which is definitely false ), XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, DEPT OF ED/XXXX ( account reported as closed Chapter XXXX bankruptcy - this is incorrect, XXXX account is in deferment and not for bankruptcy because I did not file this for bankruptcy, and account reported 10 times ), XXXX XXXX XXXX I ( ORIG CREDITOR : XXXX UNIVERSITY ), XXXX XXXX, XXXX/XXXX ( ORIG CREDITOR : XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX   ( ORIG CREDITOR : XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (IN)

Complaint:
I have contacted Amazon Store Card / Synchrony Bank regarding multiple returns that I sent back and received confirmation of those returns via email to XXXX on Friday XX/XX/2021 and yet my Store card is not refunded. 

So they have the merchandise, acknowledged the returns but wont credit my credit card and are collecting interest. 

This is criminal. 

Called today and the response is typical, it can take a week or more .... huh?? 

I dont thing so, and if I open a dispute it can take 90 days so its like a threat not to open a dispute.

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 2022-10-15
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. (CA)

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these filesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2021-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NV)

Complaint:
On XX/XX/21, {$14000.00} was deposited to my account electronically direct deposit by a company I am doing business with. On XX/XX/21, I withdrew {$13000.00}. On XX/XX/21, I received an alert that my account was overdrawn. I logged into my account and it showed that the deposit on XX/XX/21 was attempted to be reversed. On XX/XX/21, I contacted the agent of the company that placed the {$14000.00} deposit. On XX/XX/21, the agent responded back and said that he would straighten out every thing. The same day I received an alert that my account had a positive balance. I attempted to make a purchase with my debit card and it was declined for insufficient funds. I logged into the account to verify this. I contacted the bank by phone and was told that my account is frozen. I have called the bank several times and have been told it is still frozen but the bank refuses to tell me why. On XX/XX/21, I went to the XXXX XXXX, Colorado branch and the bank officer called the person who put the freeze on my account, but that person refused to tell him the reason for the freeze. It was confirmed to me that the company who deposited the money on XX/XX/21, has NOT since XX/XX/21, attempted a second recall of the XX/XX/21 deposit. I logged into my account today and it shows an available balance of {$2500.00}, but my account is still frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Complaint:
Back in 2017, I was the victim of an auto theft in which my wallet was taken. I filed a police report about the matter and continued on with my life after walking away from the incident safe. Early this year I started noticing random accounts appear on my credit that I did not authorize nor did I apply for these fraudulent accounts. Some of my very important personal information was inside of the wallet and I have reason to believe that my social security number may have been compromised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
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: AMERICAN EXPRESS COMPANY (CA)

Complaint:
This is my complaint about AMEX. I accept that my data is being abused and detailed as wrong. In my credit report from XX/XX/2023, I discovered some slanderous things that I didn't know about. I found late installments which never occurred and account with mistaken data, like installment history, status, balances, and date of last action. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my composed directions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Public record information inaccurate
Company: BARCLAYS BANK DELAWARE (TX)

Complaint:
We have a Gap store card for years and has been on auto pay. Last year Gap moved the account from XXXX ( i think ) to Barclays. The account transfer was bungled such that we could not create a new login at Barclays to check account balances. In the meantime we used the card. In XX/XX/2022, we called on the phone and made all the payments and made balance XXXX. Somehow they charged us {$2.00} minimum fee and we never got any letter for it and we never used the card for next few months. In the meantime, that {$2.00} had a {$30.00} and {$40.00} late fees tagged on. We called and sorted it out with Barclays. But they reported us for " late payment '' to credit bureaus which adversely affected our credit while this was no fault of ours. We currently have a credit balance with Barclays gap card ( they owe us money. ) We called them to resolve the credit reporting matter but they do not have a phone number or an email to communicate with their credit reporting dept. 
Only help we're looking for it to fix the incorrect reporting to the credit dept.

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 2022-02-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION (GA)

Complaint:
On XX/XX/2022, at XXXX am, I consumer XXXX XXXX, contacted NAVY FEDERAL to obtain the form so I may exercise my right to rescind. XXXX, a supervisor at NAVY FEDERAL, whom failed to provide his employee id, failed to provide me with the form, in accordance with regulations of the Bureau. Pursuant to 15 USC 1635, it states we have the right of recession in the case of ANY consumer credit transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
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 (NY)

Complaint:
In accordance with the Fair Credit reporting Act. The list of accounts below has violated my federally protected rights to privacy, confidentiality, and my rights of being a victim of identity theft under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section 2 : 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. 1681 Section 623 ( a ) ( 6 ) If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information, 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. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Complaint:
On XX/XX/23, early morning, I activated my EDD card of my account in Bank of America sothat I would go to the bank and withdraw my money that day. By XXXX I was in the bank and when I tried to with draw the money, the teller told me that someone had already with drew {$5000.00} from my account that very morning in XXXX transactions ; XXXX {$4500.00} and later {$500.00}, and my card had also been blocked. Immediately, i called bank of America to ask them about who had withdrawn my money and what I needed to do next. 
They told me that a claim has been put in for my stolen money and that I should give them XXXXdays to work on it. At that time my account was only remaining with {$2900.00}, so I asked them whether I should with draw that balance that very day and they told me that I should wait to receive a new card because the one I had, had been blocked. In XXXXweeks, I called the bank again to know about my claim, the person I talked to said she couldn't tell me anything about my claim unless I go and call them again when am inside the bank. When I asked her why i had to call from the bank, she told me that because the bank has to request XXXX IDs from me to be sure am the real owner of the account I was calling about. The next day I went to the bank with my XXXX IDs and called again. They just told me to wait until XXXX days. Surprisingly, on XX/XX/2023 they sent me a letter, stating that their research confirmed it was me who authorized the withdraw of the {$5000.00} from my account and for that reason, they denied my claim. Its on that note that I write my claim here, seeking for justice of my {$5000.00} that was stolen from my account in Bank of America.

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 2019-08-13
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. (IL)

Complaint:
Several inquiries that I never authorized on my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
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. (FL)

Complaint:
I have disputed the attached account multiple times and have reached out to XXXX to remove this from my credit due to reporting inaccurately. I have circled all inaccuracies and attached it to this request. The account is reporting incorrect information, this account has been paid in full. I made contact with XXXX to make the correction, they said they would correct it but did not.

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 2022-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Checkr, Inc (CO)

Complaint:
Phone number is my old phone number. 
And my address needs to be updated.

Company response to consumer: Closed with explanation