hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-10-21
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: Experian Information Solutions Inc. (IL)

Complaint:
I have been requesting that any information on my credit report be verified by the collection agency that has placed the collection on my credit report. 
This collection of {$760.00} has been on my report through a collection agency name XXXX. I sent request to all 3 bureaus, and it was removed because it was not verified. Now 2 years later, A new collection agency XXXX XXXX XXXX  has put this collection on my credit report. I have written all 3 credit bureaus again XXXX removed it, but XXXX and Experian have not removed it. I informed them that any automated response, or e-oscar verification is unacceptable. 
I have requested that they provide me with the description of the procedure used to determine the accuracy and completeness of the information is hereby requested Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. They have not complied with the request.

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 2018-11-07
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. (FL)

Complaint:
Hi, On my credit report, there are 4 negative accounts which show incorrect account numbers, balance and charge off. These accounts do not belong to me. Please delete the accounts as these are hurting my ability to obtain financing. 

These accounts do not appear on XXXX  or XXXX. 

I have highlighted the areas in question. If you can not VERIFY that the information belongs to me you MUST remove the items within 15 Days of this notice. If they are not removed we will take your company to court and sue you for defamation and damages. 

Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (FL)

Complaint:
I made a payment to American Express on my Personal Loans account. The payment did not initially clear as my employer was late releasing reimbursements to me because of COVID related staffing issues. Amex immediately re-presented the check and it was then cleared by my bank. I have called Amex multiple times and even did a conference call with our bank with AMEX who confirmed that the funds were released from our account to Amex via ACH on XX/XX/XXXX. Our account with AMEX still reflects that the payment was returned and we have not been credited for the funds they received on XX/XX/XXXX. Amex has also advised that we have 'one profile ' and they have retricted our ability to utilize the XXXX XXXX  because they still show the payment as not being honored. We have been AMEX cardholders since XXXX. My credit line or in Amex speak purchasing capability has essentially been eliminated and now all payments require a five day hold! I called this morning and after an extended hold got a recording that their systems were not working and they could not help us. I am very dissapointed in AMEX, so much for showing any empathy or understanding during COVID, I have literally spent hours on the phone with AMEX to resolve this to no avail. Everytime I call I get routed to collections ( even though the account is current ) and then get emails after the fact that I have made a " promise '' to make future payments. Something is very wrong here. I suspect the customer service agents I am talking to are in fact collection agents and instead of resolving the issue they get paid incentives to get reflect on my account that a " promise '' has been extracted even though that is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A. (MD)

Complaint:
On Friday, XX/XX/XXXX my XXXXyear-old child received a promotional flyer from Citibank advertising a generous cash bonus if s/he opened a new checking or savings account and maintained a balance of {$50000.00} or {$15000.00} for 30 or 60 days, respectively. 

The flyer was addressed to my XXXX-year-old with the exact spelling of his/her name and exact address. 

Neither my spouse nor I have a current Citibank account. I had a XXXX credit card but that account was closed approximately 5 years ago and I have a different last name than my child. 

My child does not have a savings or checking account with any bank, does not have a college savings plan, or any other financial products. S/he does not have an email address or any online presence. 

When I called Citibank to get information about why my XXXX-year-old was receiving promotional material, I was told by someone in " Client Relations '' that my complaint was being " forwarded to a 'back-office team '. '' They could not give me an estimate on how long the investigation would take or when I should expect to hear back. They could not or would not give me a number I could call to follow up except for the general customer relations number. 

When I emphasized that it is illegal for minors to open checking or savings accounts without the consent of a parent and asked for more specific information on what Citibank was going to do to resolve my complaint, they stated they could not do anything else. 

I restated what I had been told. That my complaint was forwarded to a " back-office team '' who would investigate it and get back to me in an unspecified timeframe and that the only possible way to follow up was to call the general customer relations number. The response to that was " that is the proper expectation. '' I demand to know how Citibank got my XXXX-year-old child 's information and why they are sending promotional material to a minor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
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. (CA)

Complaint:
I DID NOT AUTORIZED NOR CONSENT TO ANY OF THE FOLLOWING ACCOUNTS OR INQUIRIES BEING ON MY CREDIT REPORT. I AM AWARE OF MY CONSUMER LAWS AS YOU ARE ABLE TO SEE BASED ON THE DOCUMENTS ATTACHED. I DEMAND THAT ALL ACCOUNTS THAT ARE NEGATIVELY AFFECTING MY CREDIT RATING AND VIOLATING MY CONSUMER RIGHTS BE REMOVED OR BLOCKED FROM MY CREDIT REPORT. 
I WILL PURSUE DAMAGES FOR EACH ACCOUNT THAT IS IN VIOLATION IF NOT UPDATED.

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 2021-06-28
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: Marlette Funding, LLC (CA)

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
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. (FL)

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-02
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. (SC)

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Complaint:
In accordance with the fair credit reporting act Capital One Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have a right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
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:
On XX/XX/XXXX, I sent a letter regarding the misleading inaccurate items on my credit report. To this day I have not received a response. This is causing me a lot of stress. These inaccurate accounts are hindering me from obtaining credit. Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
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:
Ive contacted the company numerous times with no resolution on a XXXX XXXX account. This account is fraudulent. I have also Contacted all Three credit bureaus and only experian has responded and stated to me to contact the company. 

I have yet to receive a response from XXXX  and XXXX  on this matter

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 2017-11-30
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: HCFS Health Care Financial Services, Inc. (FL)

Complaint:
I have disputed this account several times, asking for verification of the information that XXXX XXXX XXXX is reporting to the 3 credit bureaus. The only thing I was told was that it will not be deleted. They never verified my information or showed me any proof of this account. I have no idea what this account is for. I see that the balance owed is XXXX dated XXXX XXXX 2014, However I have yet to receive a copy of an Agreement that I signed, or what the contract was for.

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 2022-03-31
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. (OH)

Complaint:
I recently contacted Transuion to request that they remove thr dispute information off my credit file. Instead of removing the dispute information, the representative reported two accounts as charged off when actually the accounts are paid in full and closed. The accounts are XXXX XXXX XXXX XXXX XXXX. These accounts are paid in full... the documents were sent to them that showed they were paid in full and they had updated them accordingly. This representative that I spoke with recently changed them back to charged off instead of deleting the dispute statements as I requested.

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 2017-08-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (VA)

Complaint:
My identity was stolen in 2012 to open a utility account. Penn Credit Corporation ( debt collection agency ) stated that they needed a copy of my license, proof of residence ( lease ), and XXXX Police Report in order to have the account removed from my credit report. I provided them with everything that they needed and they still have not removed the item. I have already disputed the items with the credit bureaus. I will attach the documentation they requested to this form if allowed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-08-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (TN)

Complaint:
I had 2 accounts with wells fargo for years and over the years they drew down my account for fees and didn't pay any interest despite telling me when I created these accounts they would be interest bearing.

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 2021-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Complaint:
Capital One decided that I did not qualify for PART of the 2nd PPP disbursement I received. While they are saying I didnt qualify for the funds, they did release over {$1600.00} to me out of the funds. I do not understand how my business could qualify for some but not all. I have been attempting to resolve this issue since XX/XX/XXXX. Capital One advised me in XX/XX/XXXX that the funds were finally being sent back to where they came from. However, as of this day, no lenders or other companys/organizations/agencies involved in my PPP loan approval and funding have received these funds. Capital one has refused to give me documentation as to where the funds went, and it only shows as a deduction from my account stating capital one 360. As of today, I am still responsible for funds that I never received, because capital one has continued to handle this situation with horrible processes & customer service. Whenever I contact the company to discuss this issue, I am sent to a voicemail and never called back. This issue has been going on since XX/XX/XXXX & needs to be resolved immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (OH)

Complaint:
I submitted for a deferment with Navient which was approved. I was not made aware that the deferment did not cover all accounts through Navient. XXXX loan accounts went past due without any notification to the submitted contact information causing my credit score to be reduced XXXX points. The past due amount was quickly remedied but Navient refuses to take any blame for the miscommunication and remove the credit reporting. On attempts to call Navient, they claim that their credit reporting department has " no phones and you can not discuss this situation with a live person '' which I believe is a serious offense to not even be able to speak to anyone regarding the situation. I have taken the necessary steps to dispute through XXXX and by mail but I get the same canned, automated denial. I am taking the necessary steps to remedy this situation and just want the negative credit reporting removed. I do not want to move to litigation because I feel I have been wronged and violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (PA)

Complaint:
I was charged {$41.00} as interest. 
When I talked to amex they said it was a late fee. Bill was due XX/XX/2023. I never received bill. I received bill XX/XX/XXXX after talking to XXXX at amex. The bill was sent in one envelope and a duplicate bill in another envelope... both received XX/XX/XXXX. I paid the total bill ( including the XXXX ) on XX/XX/XXXX. I asked XXXX to send me a check for the XXXX. He said he would ask ..... 
I don't think I owe amex {$41.00} as I never received a bill

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

Complaint:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (CA)

Complaint:
Southwest Credit Systems called ( XXXX XXXX 2015 XXXX ) and refusing to state the reason for the call, while phishing for information regarding my identity. I had to research the incoming phone number to identify the company, then called back and find out Southwest Credit Systems is attempting to collect an unvalidated account with XXXX. I advised Southwest Credit Systems to make no further contact by phone, and mailed a Cease and Desist Notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692c ( c ) on XXXX XXXX 2015 warning that further contact of any kind would be considered harassment and that any unsubstantiated mark made by Southwest Credit Systems on my credit reports would be considered Defamation of Character and violation of the Fair Credit Reporting Act. Southwest Credit Systems placed a derogatory remark on my credit reports on XXXX XXXX 2015 in reference to this unvalidated account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
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. (PA)

Complaint:
Ive tried again contact with XXXX  XXXX XXXX and Experian Ive submitted documentation along with the police reports and complaints still no response at the 30 days I need this immediately resolved I have a family Im trying to take care of them trying to get my credit out of the hole this is hurting my future Please remove the inaccurate information That can not be verified that I apply for Here is the list as follows as result in identity theft DeptedXXXX  Installment Closed Date reported XX/XX/XXXX Date opened XX/XX/XXXX Account type Installment Not mine never applied for student loan Us Dept Ed Installment Closed Date reported XX/XX/XXXX Date opened XX/XX/XXXX These are inquiries that are fraudulent I never used I never applied I would like these investigated and removed I waited 30 days already still no response Inquiries Name Type XXXXXXXX XXXX XXXX XXXX  Individual XX/XX/XXXX XXXX-XXXX  Individual XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Individual XX/XX/XXXX XXXX Individual 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 non-monetary relief