hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-01-22
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: SYNCHRONY FINANCIAL (WA)

Complaint:
Today, I opened a Master Credit Card with Synchrony Bank via TJMAXX, the advertisement informed me that if approved, I'm eligible to receive 10 % off my purchase and I can use the card TODAY ; however, when I attempted to use the card to complete me transaction, I was denied. I contacted the bank 's customer service ; however, I was informed that the temp generated number, expiration date, and security code are fake. I was also informed that I would lose my 10 % off. I applied and got my credit score lowered for months or year, only to find out that the bank scammed/tricked me into opening a credit card only to meet their quota. 

Congratulations, XXXX XXXX! 
Your application has been approved for the TJX Rewards Platinum Mastercard! 

TJX Rewards & reg ; Platinum XXXX & reg ; Temporary Account Number XXXX Valid Thru XX/XX/22 Security Code XXXX Temporary Credit Limit $ Use your new TJX Rewards credit card in-store or online today! 

See below for instructions and how to use your 10 % coupon either in-store or online. Both coupons void after either one is used. 
Shop Online Now! 

Use the account information above to make a purchase on tjmaxx.com.

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 2020-07-22
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. (NY)

Complaint:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NC)

Complaint:
I have attempted for the past 2 years ( XXXX present day in 2022 ) to obtain a copy of my XXXX credit report by either submitting ( 1 ) several formal written requests via XXXX, ( 2 ) several formal written requests directly to XXXX, and ( 3 ) even signing up for the XXXX XXXX XXXX XXXX XXXX all to no avail. Each and every time I attempt to obtain a copy of my credit report or otherwise attempt to access my credit report online, the XXXX website renders an error message that my report can not be obtained via the online request. Regarding my written request, XXXX has either remained wholly unresponsive or has otherwise sent me a letter stating that my report can not be provided, and this is despite the express fact that I have provided all necessary documentation to verify my identity. I have had only minimal access to my report through third party credit monitoring apps like XXXX XXXX and XXXX XXXX, but they are not complete files. XXXX has even suspended my credit monitoring service altogether. I suspect that XXXX is engaging this pattern and practice of fraud and bad faith business practices because I have filed complaints against them before. Their conduct is unlawfully retaliatory. I have also not had access to manage my freeze that I added prior to the pandemic.

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 2022-08-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (AL)

Complaint:
I had XXXX charges made that I I did not approve was not notified about debited from my account. The amounts were XXXX on XX/XX/XXXX at XXXX pm and one for XXXX on XX/XX/XXXX at XXXX. Both were from XXXX.Not only did I not approve these charges but cash app denied my dispute and the only reason they offered me was a email wich just showed the time and date of the transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
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. (CO)

Complaint:
I am XXXX and I am writing this on my own behalf. After reviewing the credit report/file, I noticed inaccurate, false and fraudulent information being reported. 

XXXX, Equifax, and XXXX are all reporting inaccurate information regarding fraudulent accounts. The XXXX and XXXX XXXX account delinquencies are inaccurate across all credit reporting agencies and have discrepancies across their reports. Not only are the delinquencies reporting different values but they are also reporting on a fraudulent account. 

This information is to be removed completely from the credit report. The derogatory marks and the whole account as it is causing me harm and is tarnishing my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (DE)

Complaint:
Citibank closed my checking and savings accounts because I received the PPP funds into a personal account. 

I am an independent XXXX and do not have a registered business. Citibank accepted and released my fund a while ago, only for them to freeze my accounts 3 months later. 
Back in XX/XX/2021, the Biden administration set new regulations that made independent XXXX  and XXXX  employed people eligible and therefore banks should not expect independent to provide a registered business documents. 

I sent Citibank copies of contract agreements, W-9 form . When I applied for PPP, I never claimed to have a registered business. I used my name, social security number, XXXX XXXX  and XXXX  C. 

Im delinquent on all of my bills because of this

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 2023-03-22
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: Experian Information Solutions Inc. (FL)

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct or delete these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2018-10-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Municipal Collections of America Inc. (IL)

Complaint:
Last year in XX/XX/2017 I accumulated 5 unpaid red light tickets. MCOA ( collection agency for the municipality filed to suspend my drivers license. I paid them XXXX toward my 5 unpaid tickets which were XXXX each. Left me owing XXXX + their fees. Now again this year they have submitted to the Secretary of State to suspend my drivers license, but I dont have 5 or more unpaid tickets. They are illegally applying the law here. I only owe XXXX XXXX unpaid ticket plus fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

Complaint:
On XX/XX/2020, I was alerted to a change in my credit score. I saw Capital One checked my credit report, without me contacting them prior. On XX/XX/2020, I called the company 's ' support line ; however, the company would not accept my calls, since I wasn't a customer. Basically, all options from the robotic call center were for customers, and I could not get in contact with anyone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-21
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. (TX)

Complaint:
I contacted XXXX about medical bills and informing them of HIPPA VIOLATIONS in the amount of {$1700.00} and {$250.00} asking both them and the company to provide me with a signed document with my signature showing that this medical bill belongs to me and XXXX informed me they have the right not to investigate which means its okay to update incorrect information.

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 2023-04-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Complaint:
I have had a consistent issue with credit reporting agencies. For one Transunion won't allow me to get a free credit report unless I pay their subscription fee I have tried to get one through free credit report.com and it will not allow me to pull one. Also, my XXXX XXXX XXXX account is constantly reported as inaccurate. Just recently after a dispute they have reopened my account on my credit report which is a flagrant violation of the FCRA as they are attempting to re-age/keep the account open longer and change factual information related to the dates. I have submitted a 609 and 611 letters to XXXX and XXXX they both ignored the 609 letter requesting sources of information used and to provide those to me. ALSO I submitted a 611 letter just recently demanding they provide me the sources of contact etc used for their investigation XXXX no longer lets me submit disputes on the account and tries to prevent me from disputing it at all. The account in question has repeatedly opened and closed the account attempted to re-age and reports incorrect balances on all bureaus resulting in financial hardship resulting in denial of Mortgages loans etc when I would otherwise be able to attain these loans. I understand the account is on their for a reason BUT they flagrantly try to ruin and destroy my credit through shifty and shady means and the credit bureaus illegally are allowing this to happen. Also, I have tried a credit repair companies several to say the least to fix the issue and they flat out told me they will not process disputes because I use a thrid party and they believe the disputes are fraudulent as it is not me. Whereas under the FCRA it is my right to use a third-party credit repair company at my leisure and I am well within my legal right to as well. Please look into and charge/fine the 3 bureaus for failure to follow federal law under the FCRA as they refuse to help consumers and only strive to help creditors ruin and damage a person 's credit report to try and force them to pay a time-barred debt. ALso clarifying that Transunion will not allow me to access a credit report and or allow me to dispute any items except through XXXX XXXX unless I pay their XXXX monthly fee or they have illegally locked me out due to the fact I did use a third party credit repair agent to try and fix items under my behalf such as 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 2023-08-13
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 (FL)

Complaint:
XXXX XXXX XXXX is holding {$4100.00} XXXX Dollars on case number XXXX. The merchant is XXXX XXXX merchant number XXXX. I made the payment using Bank of America Visa credit card on XX/XX/2023. I have opened a dispute with BOA claim ID is XXXX on XX/XX/2023. USD amount is {$3000.00}. The payment is for the rental of a condominium in XXXX XXXX. XXXX arbitrarily decided to cancel and close the merchant account without reason and demanded and received back their credit card machine. They have refused to pass the payment to the merchant, and have told the merchant they were going to hold all funds in the account for 6 months. They instructed merchant to tell me to request a refund from my CC, which I did. I have contacted BOA 4 additional times and they have not issued a credit and are taking no action to resolve the dispute. They have indicated we will need to wait 90 days to see if the merchant will not dispute the charge back. The merchant has already contacted XXXX and sent them written instructions that they will not dispute the charge back, and requested they refund the money to BOA, but they have taken no action. REQUESTED ACTION : XXXX needs to refund the credit to BOA so I can pay for the rental and access it on XX/XX/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 2017-11-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC (OH)

Complaint:
National Credit Adjusters or whatever name they claim to be now, leaves a voicemail. Im deaf so I read the transcript. They dont tell me what its about. From what Ive read online about these XXXX XXXX is that they contact you and anyone they think you know. A couple relatives have gotten strange phone calls and Im guessing its them. So, Im putting this in writing now ... 

It is NOT okay to contact me. It is NOT okay to contact anyone else about me. I dont even know what you think I owe you. Send me a letter if you have to, but DO NOT ever call me again!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stanislaus Credit Control Service, Inc. (CA)

Complaint:
They never billed my insurance. They never even sent me a bill. Now they are trying to list as a collection and damage my credit. XXXX Stanislaus credit cntrl.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-14
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (NV)

Complaint:
I have done nothing but pay my account on time, and show no late payments of any kind on my credit report. synchrony lowered my available credit just to affectionately lower my credit score and now showing the card maxed out. This was an underhanded move on their part, and I would like it looked at further.

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 2018-06-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Army and Air Force Exchange Service (TX)

Complaint:
Around XX/XX/XXXX I opened a credit account with the Army & Force Exchange Service ( XXXX XXXX XXXX ). The account was initially in good standing but was eventually charged off. Of course I was aware of the debt but was unable to pay due to my financial circumstances. I never received any debt collection notices from AAFES. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX veteran and I receive benefits from the VA and social security benefits. When I began receiving social security XXXX benefits in XX/XX/XXXX, AAFES began garnishing {$140.00} a month from my pay and never sent me any notice or statement. I had to contact them to receive a statement. Since XX/XX/XXXX, I have not received any correspondence from AAFES. According to the only statement I received my initial balance was {$2700.00}. Between the date of the initial balance and XX/XX/XXXX AAFES has charged me close to {$3300.00} in interest charges. 
I contacted AAFES to attempt to settle this account on XX/XX/XXXX and was told by the representative to email back on XX/XX/XXXX to see what can be offered. I explained the desperate situation I was in with my family and finances and that it was urgent that this account be settled. I waited as instructed and then was told by the initial representative and a member of management that they will not offer a settlement on my account because they are receiving treasury offset payments ( that guarantees collection of the total balance ). As stated previously, I am a XXXX veteran on a fixed income and the unfair collection of this debt is creating a hardship on me and my family. It is also absurd to be collecting over {$3000.00} interest charges which will continue to accrue while collecting my treasury payments. I made several attempts to contact this company and they refused any resolution.

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 2023-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Nathan & Nathan, P.C. (TN)

Complaint:
see attached

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
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. (AL)

Complaint:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: FIRST CITIZENS BANCSHARES, INC. (MO)

Complaint:
Attempting to open online account with CIT Bank ( XXXX ). Input basic data ( name, address, employer, SSN, US Citizen ) and webite immediately responses with " Thank you for your recent application for a CIT Bank account. We regret to inform you that after a thorough review of your application, we have elected to not open a bank account for you at this time. Thank you for considering CIT Bank. '' No info is provided. 

Contacted bank and they advised to try resumbitting from different location. Done multiple times over multple dates from XXXX to XX/XX/21. All result in same immediate automated response. 

Contacted bank for more specific information. They advised that the automated system has checks to attempt to identify fraud and think that maybe IP address or computer I applied from may be issue. Explained have done from multiple PCs and a phone all with same response. They can provide no additional info. 

Advised them per federal law, they are required to tell you why you are denied a bank account ( wife XXXX XXXX XXXX 25 years ). They advised they don't send any letter or email explaining and could provide no additional info. Only option was to write to corporate office. 

I have an excellent credit score, no charge offs, bankruptcies, or unpaid accounts, and as the response was immediate, I suspect there is some other issue such as IP location, etc. The bank should be required to disclose specifics however.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
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. (MN)

Complaint:
Not my accounts

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