hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-05-19
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (NJ)

Complaint:
On XX/XX/2023 at XXXX XXXX, I contacted the Macy 's Credit Card Customer Service to ( 1 ) address a late charge that was charged on an account I continue to pay off in full and ( 2 ) to dispute a charge that was made on XX/XX/2023 for a transaction amount of {$47.00}. 

I did not authorize this transaction and the order did not align with my purchase history on my Macy 's account. I requested additional information about that particular charge and the representative could not explain who it was that made that charge or where the items were shipped to. The only information I was able to get was that it was an online purchase so I knew my account number had been compromised. The late charge was reversed and the dispute was filed. 

I was told that the compromised account would be closed and a new card would be issued. I received a letter that I would not be liable for the charge until the investigation was completed. However, that {$47.00} is reflected as the balance on the old account and was also transferred over to the new account. Additionally, I made a payment of {$210.00} which was the total balance at the time and the payment posted on XX/XX/XXXX. 

However, on XX/XX/XXXX that same amount was transferred on to the new account as a balance transfer. This is unfair, abusive and deceptive to double charge an amount that was already paid off the prior month. I called back on XX/XX/XXXX at XXXX XXXX and spoke to multiple representatives for a total of 1 hour and 43 minutes. 

The representative explained to me that the {$47.00} was reflected on my total balance even though the account activity shows as if it was credited. The math that was explained to me does not add up and I expect a clear, thorough, and accurate explanation as to how my current balance totals up to {$270.00}. Additional purchases/charges made on the account does not add up to that total. I am questioning Macy 's credit card accounting practices -- it is not credible.

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 2023-04-12
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. (VA)

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Complaint:
These inquires are not recognized. Have sent in several different request stating these were not authorized. Some inquiries are showing up multiple times on report These are the unauthorized inquiries : 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 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (FL)

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (SC)

Complaint:
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I wrote to Equifax requesting an investigation into items that I believed were reporting inaccurately on my credit report. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you Please delete these accounts and reply within a reasonable amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
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: Experian Information Solutions Inc. (IL)

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-11-16
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: EQUIFAX, INC. (FL)

Complaint:
XXXX XXXX co and XXXX XXXX XXXX broke law andfair debt collections practice they said i was served with court documents but i was not uneven in town i sent demand letter asking for all negative reporting and court documents to be removed they agreed. Credit bureaus have failed to remove from report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
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: Experian Information Solutions Inc. (MD)

Complaint:
XXXX XXXX DEPARTMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX DEPARTMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21
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. (VA)

Complaint:
Car loan is paid in full but showing closed wrote off as bad debt

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 2018-08-28
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (GA)

Complaint:
I have submitted all documentation as asked to Synchrony bank in regards to my XXXX benefits and they will have not applied them to any of 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
Consumer complaint received 2021-04-16
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. (TX)

Complaint:
I sent a dispute letter to Experian on XX/XX/15 regarding charges for XXXX XXXX. I was NEVER seen on the dates listed and disputed the charges. The collection company has failed to send documentation signed my ME showing this was me because AGAIN I WAS NEVER there. During the dispute Experian confirms this was verified and this continue to remain on my credit report. This is not correct and need to be 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 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2020-01-08
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Big Picture Loans, LLC (IN)

Complaint:
I received a call from a gentleman named XXXX XXXX claiming to represent XXXX  XXXX for a loan I took out 4 years ago. I told him I believed I paid back any loans I had and I did not remember this loan. He had my name, last 4 of my social and my bank account information. He told me to look thru my records and call him back. When I XXXX  his number, I discovered that it belonged to a XXXX year old woman in Illinois. I assumed it was a fake call since he never disclosed the name of his collection agency. After the holiday he began calling my work non stop. I called him back and asked him to call my cell phone. I then asked for written documentation of the debt. He emailed a XXXX   document. It was basically an acknowledgement for me to sign agreeing to the debt. When I called him back, I asked for a copy of the loan contract and application. He began yelling at me. He said he didnt have it but he didnt need it. They were going to sue me for thousands of dollars and I was going to regret acting so dishonorably. He mentioned that I just bought a house and he knew I had the money. The XXXX  document has since been deleted. I dont know what collection agency he represents, and I dont have documents to show I signed a contract for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
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. (TX)

Complaint:
XXXX XXXX XXXX been paid down with XXXX Fcra violation XXXX   refuse to correct teh amount the next step is just disputing a card thats mine b/c they look at any other way

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
XX/XX/XXXX submitted dispute regarding bankruptcy and ask the company how they verified the item. XXXX XXXX didn't have the information on file and transunion stated that's who they verified with.

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 2018-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Complaint:
I deposit a check through the mobile app on my phone for XXXX dollars and I was told that my money will be available until Thursday XXXX of XXXX and they gave me a hard time over the phone and said they need to verified the funds are legit and Im so sick of waiting and I need my money right away

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (CA)

Complaint:
Somebody opened a Chime bank account with my personal information ( name, email, social ) but used a different phone number and address. I received an email from Chime that my temp card was active and physical card in the mail. I tried to contact them to tell them I never opened this account. I reported to FTC identity theft and major credit agencies. It is physically impossible to actually reach a live person at chime though they keep emailing me telling me to call the number. None of the options on their support phone line at any point in the day will actually lead to a live person. Im stuck in a feedback loop and cant close this account. No idea what is happening in the meantime whether they are using my credit, racking up charges that will ultimately go to collections or what. Not sure what else to do at this point but somebody recommended I try this site as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (FL)

Complaint:
Transworld Systems Inc., sent a collection notice of an overpayment from FL. XXXX, ( Unemployment ). # 1, they had wrong address, ( no Apt . # ) so I received this I do n't no how late. # 2, my main complaint, I called the number on the envelope ( XXXX ). I was finally told they did n't have my account number, which was on the letter in their system and call ( XXXX ) after 10 minutes, I was told to call ( XXXX ), after a couple of sales pitches, I was again told it was n't in the system, ( mind you, I am only trying to pay a debt! ), I finally got in touch with an associate, that found it, but ... ...., was told I had to call, you got it, ( XXXX! ). I tried this circle again, and after over an hour got nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC (NY)

Complaint:
The agency is saying that this is a timeshare account that was opened up back in 2021 in XXXX. I never travel to XXXX in 2021. I never opened up any type of timeshare account. I reached out to the collections agency I provided them with my email address. The collection agency was supposed to send me a copy of a signed contract. I never received the contract. I called them several times for updates. Can not get in contact with anyone. I leave messages nobody calls me back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (MI)

Complaint:
Used debit card to pay for brother 's phone as Birthday present. Account debt is being targetted at me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
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: CAVALRY INVESTMENTS, LLC (TX)

Complaint:
I've been in contact with Cavalry Portfolio since XX/XX/XXXX they are located at XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, NY XXXX XXXX they have been reporting on my credit report for an amount of {$430.00} I don't know this company and never done any business with this company I've asked them to provide the following ; -What is the money you say i owe you is for - Explain and show me how you calculated what you say i owe -Provide me with copies of any paperwork that i agreed to pay Cavalry SPV I, LLC said debt -Prove that the statute of limitations has not expired on this account -Show me that you are license to collect debt in my state -Provide me with your license numbers and registered agent or agent service -Provide proof of my signature that i owe you this debt the only response was that they conducted an investigation and found that I owe said debt and sent false statements with my name but with no signature

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

Complaint:
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights. 

I am not liable for this debt and do not have a contract with them. They have not provided me with any of the documents I continuously ask for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28
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. (PA)

Complaint:
i have been trying for the past few months to have this issue resolved.This account has been re aged and is a violation and needs to be deleted off of my report. 

transunion is reporting date of last activity as XX/XX/XXXX date of last payment XX/XX/XXXX XXXX is reporting date of last activity as XX/XX/XXXX date of last payment XX/XX/XXXX XXXX is reporting date of last activity as XX/XX/XXXX date of last payment XX/XX/XXXX I will attach a copy of my report as proof. They are in violation i want this deleted immediately.

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 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Name : XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States that 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 instruction.

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 2018-07-31
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. (MA)

Complaint:
Equifax confirmation number XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX I had disputed the accounts above with Equifax and also included a police report, Equifax has not removed the accounts above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Complaint:
I had a Bank of America employee do a wire transfer from my checking account to another bank for XXXX to buy a truck from XXXX. That night I realized it was a fake website and not XXXX. I called BofA to cancel the transfer due to fraud. I was told I had to wait until the transaction posted. I waited a couple days. When it posted I called and BofA and was told it could take as much as 60 days for the money to be back in my account. The initial transaction was approximately XX/XX/XXXX. Since then I was told they contacted the other bank and we had to wait now. Ive called a few times and was told the same. I dont thing BofA XXXX trying very hard to get my money back.

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