hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CO)

Complaint:
After opening a new account earlier this month, I deposited my very next paycheck via mobile upload. I was fully expecting to wait a few business days for access to my money. After 5 days, and letting my account go into withdrawal, I looked closer at my account, and was notified that on XX/XX/XXXX .... 12 days after depositing my check, my money will be available. If I had been notified beforehand, or upon completion of the upload of my check, that this would be the case, I would have decided differently. Like most people, I live from paycheck to paycheck. I am a nurse who drives to work, and must purchase gas and food for the next XXXX weeks, until my next paycheck. I can not afford this extreme surprise so early in our relationship. I went to the bank in person, and was told there was nothing they could do. No concern for how I'll live or eat or commute for the next XXXX weeks, no looking into any way of resolving this issue. No attempt to provide options. I felt like a XXXX in a new place where I hoped to save money, and grow it while making life a little bit easier. 
Quite the opposite was what i found. 
I have since had to borrow money to buy gas and food and utilities. Rent is not due for another XXXX weeks. I am so glad. This could have put me in the streets. Thank you for listening, and providing a way to be heard.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XX/XX/23 My credit report shows collections from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. 


XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only.

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. 

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately from my credit report or I will seek litigation for Monetary damages. 

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 2018-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

Complaint:
On the morning on XX/XX/2018, I called capital one several times to get information regarding increasing my line of credit or switching to a different product. I currently have one credit card with them that I pay off monthly and overpaid this month.

After getting some information, I left my phone and card in my car and went back to work. During my lunch I called Capital One again at which point I was informed that my account was closed. Thinking it may have been an accident, I reached out to a manager and inform them that this may have been an error and was told they would not re-open my account.

Confused and angry, I called again and was told that a request would be submitted to re-open my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10
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. (OK)

Complaint:
I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the XXXX and Equifax end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized remaining inquiries listed below : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (MD)

Complaint:
It's possible the representative I spoke with is out of the office, but they have been incommunicado for almost a week. I was promised a refund of the {$24.00} credit balance on my rewards card, but moreover, I was promised my account would be reviewed for reopening if I provided proof I did not request the stop payment. XXXX reviewed my call and confirmed I never asked the rep to put a stop payment on the account, only asked about an NSF fee on an old checking account. I sent over XXXX documentation where they explicitly state this, but I have not heard back. I should not have my account closed over {$44.00}, one that I have been a very good with since 2018 amounting to total amounts around {$100000.00}. This is especially true where I was not the one issuing the stop payment. I was the one actually trying to manually make payment! The bank was the one erroneously stopping payment, per their letters sent to Synchrony.

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 2020-09-04
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: Experian Information Solutions Inc. (CA)

Complaint:
I was the victim of identity theft, which resulted in some accounts being opened in my name by 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 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Complaint:
There are multiple fraudulent hard inquiries reporting on my credit report that I have filed IDTR 's on and sent to Equifax. I sent the certified mail on XX/XX/23 and XX/XX/23 to have these removed, and they are still not complying. Due to these hard inquiries, they are disabling my opportunities to receive credit, and I am unable to get help from credit agencies. They are violating 15 USC 1681, 15 USC 1681a ( e ), and 15 USC 1681b ( a ) ( 2 ).

I have provided both certified letters that were sent and signed for.

I demand compensation for the violation of my consumer rights amounting to {$10000.00} for the amount of time and opportunity that Equifax has taken from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
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. 

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 2021-12-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current (TX)

Complaint:
Somebody gained access into my XXXX account where I had my current bank card linked to. Whoever that person was sent money to an unknown receiver totaling {$1800.00}. I attempted disputing through XXXX who told me to dispute through my bank. So I filed a dispute for all these transactions XX/XX/XXXX. A couple weeks later I received a response from them declining to recover {$1400.00}. Although this is fraud, I cancelled both XXXX  and current debit cards and had replacements sent. They refuse to resolve the theft. And after the 90 days has passed, there still remains {$460.00} worth of charges waiting for resolution. I would like to dispute their determination of the first set of charges, and press charges for theft and fraud on whoever received these funds. As well as receive my response about the " unresolved '' set of transactions. I've gone through the only resources available to me to recover these unauthorized transactions. Between XXXX and current they should be able to determine the amount this money was sent to and you would think they could reverse these transactions to get my money back. How can I be denied the right to recover my money that was stolen from me by these banks that desperately need this money back. This entire situation has completely shattered my entire financial well-being. Caused me to be evicted from my house, and put me so far behind on bills that my power and water have been disconnected because of this theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
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: Allied Collection Services, Inc. (Nevada) (NV)

Complaint:
In accordance with the fair credit reporting act XXXX XXXX # XXXX, has violated my rights. 
15 usc 1618 section 602 states I have the right to privacy.

15 usc 1618 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666B : A creditor may not treat a payment on a credit card account under an open end customer credit plan as a late for any purpose.

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 2020-01-20
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. (PA)

Complaint:
My Identity was stolen and fraudulent accounts were opened in my name with my social security number. Because of the fraudulent information on my account Equifax and XXXX  will not verify my identity and won't provide me a solution to how I can access my credit report to dispute the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Business Bureau (IL)

Complaint:
I have a collection account from an emergency room physician XXXX XXXX XXXX at the time of the visit I had and still have the same health insurance company and my co-pays was paid at the time of the services. This collection is preventing me from purchasing my new home and many other things. I would like this to be investigated and removed from my credit report. I would like to see the original documents that were signed during my visit and receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
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. (TX)

Complaint:
Dear XXXX XXXX XXXX, Hello, I am contacting you to formally dispute the late payment charges levied against my account, specifically related to the late payments on my credit report for payments due in XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX for my Auto loan XXXX. I understand the importance of fulfilling financial obligations promptly, but I find it necessary to explain the circumstances surrounding the delay in payment. 

As you are well aware, the COVID-19 pandemic has had far-reaching effects on individuals, businesses, and the global economy. Unfortunately, my personal and financial situation has been significantly impacted due to the ongoing pandemic, leading to unforeseen hardships around those months.The pandemic had caused disruptions in financial stability, leaving me with limited resources to meet all my obligations in a timely manner at the time. I also called to get assistance with customer service in making payments to catch up on those obligations and those late payments were still placed on my credit report. 

I want to assure you that my intention has always been to honor my financial commitments, and this delay in payment is solely due to circumstances beyond my control. I have actively worked towards stabilizing my financial situation and have taken necessary steps to regain financial stability from that sickness, which has not caused anymore issues in my payments. 

Considering the unprecedented nature of the COVID-19 pandemic and its widespread impact and the Hero Act Section 110401, helping consumers not have adverse affects on credit reports due to the pandemic. I kindly request that you review my situation and reconsider the late payment charges on my credit report and fees. I understand the importance of maintaining a good credit standing and wish to rectify this situation as soon as possible. It would be greatly appreciated if you could waive or reduce the late payment charges and take them off credit report, which would significantly alleviate the burden I currently face.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (WI)

Complaint:
I received an offer letter to resolve a past due balance on a totaled vehicle with Santander Consimer USA. I called and paid the settlement amount on XX/XX/2021, and received an emailed receipt for that payment. Santander has refused to update my account correctly as settled and/or paid in full, and show the correct balance of {$0.00}, to any of the consumer credit agencies. I have disputed this account with all 3 major credit agencies, and Santander has refused to update and correct the incorrect information currently shown each time. They went so far as to update my XXXX report as " closed and written off '' for a second time after that dispute, causing a second major hit to my credit score that was not only completely avoidable, but seems petty and vindictive at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC (FL)

Complaint:
This company is trying to collect debt for medical bills from 2013. This debt is currently also being collected on behalf of another collection agency as well. From my understanding, 2 collection agencies can not collect for the same debt at the same time. Also, I received calls from this company 3 times within 1 hour today which I consider harassment, especially if youre not going to leave a voicemail and then when I do call back, I am hung up on by one of your representatives.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
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: LEXISNEXIS (GA)

Complaint:
LexisNexis did not receive my written consent to collect or share my nonpublic information and consumer transactions and experiences. LexisNexis continues to violate my federally protected consumer right to privacy. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
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: BARCLAYS BANK DELAWARE (CA)

Complaint:
I incurred repeated late fees for {$3.00} charge. First bill was {$7.00} in late fees, next was {$17.00} in late fees. Total balance was less than {$34.00}. They never called me to inform me my payments were late, they never sent any correspondence via US Mail or email. The only way I found out was through credit reporting agencies. 

I promptly made the payment, but now my credit score is down 50 points.

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 2021-05-28
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (CA)

Complaint:
National Credit Adjusters Confirmation # XXXX I paid my account in full and the collection company is not willing to delete my account from the bureaus. Other companies either delete after paying in full or have claimed the same that they do not delete but do in fact delete when a CFPB complaint is filed. its not right to the consumers who faithfully pay there debt in full hoping to clear their bad credit history in order to regain their life back. And the average person doesnt even know about the CFPB. So they stay stuck with the bad history. Its just not right for companies like these to not delete just because they choose not too. And we wonder why there is so much poverty and homelessness in the community. Something needs to change ... ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (CA)

Complaint:
tonight ( XX/XX/20 ) I called Equifax at XXXX to unfreeze my credit file. 
Since my credit is now unfrozen, I asked them about the status of the free credit monitoring services I was supposed to get as a result of the Equifax breach ( I choose that instead of money ). 
The 1st person ( who unfroze my credit ) didn't even know Equifax had ever been hacked. The supervisor he sent me to, tried to sell me a policy for {$13.00} and when I tried to explain that I was inquiring about the FREE service that was promised to me because my credit was accessed during the breach, he said that was handled by a Court Administrator and Equifax knew nothing about it!! I then was sent to another supervisor who said his name was XXXX ( and wouldn't give me more than that because he claimed it was Equifax 's security policy ). He told me the same thing the other supervisor did ( it sounded like the same person ). He told me to call XXXX XXXX XXXX or XXXX. XXXX. 

WHY am I getting a run around from Equifax now that my credit is unfrozen, and how can I find out what protection I have in the form of the free premier credit monitoring package I was promised after my information was compromised during the breach. What on earth are they doing over there!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CA)

Complaint:
I contacted CCS collections multiple times via phone and written letter : I made a payment in XX/XX/XXXX ( even though the collection was not mine ) to take off my credit report. The company responded by stating that if I made the payment the collection would be taken off. Currently on my XXXX report it is still showing on my report. This is affecting my ability to obtain new lines of credit and life and need to be taken off. 

Collection Agency : CCS COLLECTIONS Original Creditor Name : XXXX XXXX XXXX Date Assigned : XX/XX/XXXX Original Amount Owed : {$74.00} Amount : {$0.00} Status Date : XX/XX/XXXX Status : PAID

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation