hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2019-07-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: STERLING JEWELERS, INC. (IL)

Complaint:
I was contacted by a company called XXXX XXXX XXXX. I was told that there was a court case against me for larceny of property for a XXXX XXXX credit card account that has been closed since XXXX. I was told I needed to send {$500.00} by XXXX on XX/XX/XXXX or there would be a warrant placed for my arrest. I had not received any communication by mail prior to this phone call nor did I receive any other phone calls prior except for a phone call that was placed to me on XX/XX/XXXX which I thought was fraudulent. I also received a call coming from my county courthouse and was told I would need to contact this creditor or I could have a felony charge on my background.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY ()

Complaint:
I have filed numerous complaints about Wells-Fargo starting with XXXX  complaints ~9 years ago to CFPB complaints ~2 years ago, then OCC complaints ~1.5 years ago. Wells-Fargo shut access to my account repeatedly for no reason during an 8 year period against my instructions. Wells never answers XXXX  complaints, despite ~8 years of filings. What I never expected is the CFPB would refuse 4/5 's of my complaints against Wells, especially when I submitted Wells documents outlining fraudulent practices againt my account, whithout my knowledge nor permission. So, this complaint references many against Wells, but it really specifically is about the CFPB 's failure to take appropriate action, rather than just roll-over and collude with Wells. More specifically, in XX/XX/2019 Wells again shut down my account access, in complete frustration that they AGAIN refused instruction to keep my account open, I sent XXXX XXXX letter stating : 1. charge me costa as needed, 2. wire my account balance, 3. inform me of your progress via email, 4. close my account. I received after months of complaints the single answer ever via the CFPB, they failed me completely on 4 or 5 complaints. As part of the Well 's reply to my CFPB complaint, I received 2 Wells letters, adressed to me in past months but never received, outlining totally fraudulent action taken against my instructions, and without my knowledge nor consent.

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 2015-10-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Mid-Atlantic Consumer Services (OH)

Complaint:
Mi-Atlantic Consumer Services keeps contacting me and family members to collect debt on which I have paid already. They have threatened to contact my human resource department as well. Even when I talked to them on the phone and told them I do not feel comfortable sharing information over the phone, they seemed to get mad at me. I even double checked my credit to make sure this was not on my credit and that I indeed paid it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Complaint:
I, XXXX XXXX XXXX XXXX XXXX am a consumer pursuant to 15 USC 1692a ( 3 ), 12 CFR 1006.2 ( e ), 12 CFR 1026.2 ( a ) ( 11 ), 16 CFR 433.1 ( b ) and 12 CFR 1005.2 ( b ) ( e ).

I have been scammed for {$10000.00} that was transferred via Bank of America zelle to the scammer, the scammer stopped answering my phone calls and text after receiving the funds. I have filed Claim # XXXX, XXXX and XXXX with Bank Of America to help me recover the funds. 

Bank of America shortly after, closed my claim that told me that they are unable to help me. Bank of America is XXXX of the founders of XXXX. I am really on my last dime, I need that money. 
I need help recovering those funds. The XXXX XXXX XXXX is protecting electronic transfer

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 2017-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (NY)

Complaint:
Navient and   XXXX   XXXX   list the same  XXXX  loans multiple times on my credit report. Some of these loans have been re-aged to appear 10 years newer than they actually are and some of these loans are incorrectly statused. This is causing a massive credit hit which in the past has cost me potential employment ( denial letter had specifically cited credit score as the primary reason during pre-screening for employment with   XXXX   ), increased car insurance rates, and now it is making the ability to secure a mortgage impossible and a rental agreement extremely difficult. These loans are also moving from Navient to   XXXX   XXXX   in an attempt to incur greater credit impact for the purpose of penalizing and shaming the borrower as there is no difference between the 2 companies since Navient runs   XXXX   XXXX    and also provides all support for them if you try to contact   XXXX   XXXX  . The defaulted loans in question also have been forced into forbearance multiple times each as I was told that even when unemployed, I was simply not allowed the option to qualify for a deferment or any other plan ( this stems from when   XXXX   XXXX   was the name of the company ). Basically I have been cheated, lied to, penalized, and treated like garbage at every turn by this company an will be forced to sue before ever making another voluntary payment due to the extreme harassment and hardships they have imposed on my from early on and the life altering consequences that has made for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

Complaint:
On XXXX XXXX, 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

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

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

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 2023-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Genesis FS Card Services, Inc. (NV)

Complaint:
I opened an Indigo credit card from a XXXX XXXX suggestion back in early XXXX, I believe XX/XX/XXXX. They shipped my card and I received it around the XXXX of XXXX of XXXX. 

I read the terms in the envelope and there is a provision stating that I can pay off the balance after using the card and cancel it prior to my first statement closing and avoid the annual fee of {$75.00} on a card with a {$300.00} limit. Understanding that I activated the card around XX/XX/XXXX so it would be reasonable for the first statement to cycle on or around XX/XX/XXXX right? ... Nope. The closed my first statement within FOUR days of activating the account/opening the card. 

So as of XX/XX/XXXX my " first statement was issued '' circumventing the terms we agreed to and nullifying that provision locking me into being responsible for the {$75.00} annual fee. I didn't want the card and was planning to pay it off and cancel it prior to being opened for 30 days, but of course these subprime credit cards that should be illegal have figured out back-doors to the law and started with this type of unfair and potentially fraudulent behavior. These actions for them to do this is exactly why the Dodd-Frank Act was passed. 

I wish for Indigo to close my account, refund the {$75.00} annual fee along with any other fees or interest charged and of course delete the record from all bureaus. They are intentionally closing statements as soon as the card is activated to avoid consumers exercising their rights. 

PLEASE CFPB see what they are doing and hold them accountable. This is no different than many bank behaviors that led to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
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. (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 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 explanation
Consumer complaint received 2022-01-24
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. (IL)

Complaint:
I filed a dispute with Equifax and XXXX beginning XX/XX/XXXX. I mailed out dispute letters XX/XX/XXXX concerning a XXXX card debt, XXXX card debt and XXXX XXXX debt. I mailed out letters via certified mail but never received a response back from either Equifax or XXXX. I called both companies earlier this month to ask about these accounts that are not mine and they told me over the phone that the accounts had been verified by the creditors. So I asked XXXX why didn't receive a returned signature receipt from my certified letter or even a response letter about the dispute? They told me that they sent the update to my email on my XXXX account. I told them I don't have a XXXX  account and I specifically requested that my response be sent via mail to my home address anyways. They still refused to send it out. I also spoke with Equifax and they said that it was verified and they don't know why the dispute response letter hadn't been sent out yet and that they would send it out in 3-5 days. So on XX/XX/XXXX I sent out another certified mail dispute to both Equifax and XXXX and stiill have not gotten a return receipt signature from either company. After 10 days of return receipt signature this should be deemed a no response from both of these bureaus. I didn't have these issues with XXXX as they complied and removed all fraudulent accounts off their report. Equifax and XXXX are not in compliance with Metro-2 as I also stated in my dispute letters. Their failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with these bureaus for the purpose of filing a complaint with the FTC should they continue in non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  ), they may be liable for their willful non-compliance. I have phone recordings and receipts of each certified letter sent out and I am hoping to solve this issue before I have to take further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A. (MA)

Complaint:
This account is being reported. I see repetitive CO marks and invalid date of last activity, XXXX shows XX/XX/XXXX, XXXX   XX/XX/XXXX and XXXX XX/XX/XXXX. This is a clear violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
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 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 2017-05-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (GA)

Complaint:
Certified letter was received by the company on  XXXX   XXXX . I had questioned some entries on my credit report. The company failed to respond or report it as disputed on my reports within the 30 day time period. Violating the FDCPA and FCRA. I believe this is up to a {$2000.00} violation now.

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 2021-09-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Smith, Rouchon & Associates, Inc. (MS)

Complaint:
To Whom It May Concern, I have been the victim of identify fraud, and I believe this debt is one of the debts which resulted from my identity theft and was falsely taken out in my name. Under the Fair Debt Collections Practices Act, I have the right request validation of the debt you say l owe. I am requisition proof that l am indeed the party you are asking to pay this debated there is some contractual obligation which is binding on me to pay this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
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: CITIBANK, N.A. (NC)

Complaint:
These account are fraudulent inquiries XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Citibank XX/XX/XXXX CBNA XX/XX/XXXX XXXX XXXX XX/XX/XXXX CBNA 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 2023-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Complaint:
In accordance with the fair credit reporting act. This creditor has violated my rights under 15 USC 1681 sections 602, which states i have a right to privacy.15 USC 1681 section 604a section 2 it also states that consumer reporting agencies can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
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. (GA)

Complaint:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2020-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mediation Recovery Center (TX)

Complaint:
The aforementioned credit collection agency representing whomever XXXX is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and XXXX. This business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX XXXX does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pay ) they need to retract this from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
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: EQUIFAX, INC. (NV)

Complaint:
There is inaccurate information on my credit file. I requested this information to be removed and they were never removed. I will like this information investigated and removed ASAP. 
1. Bankruptcy XXXX  XXXX is listed against me. I contacted the said court and they told me there is no bankruptcy listed against my name and social security number. 
1. XXXX listed missed payment to my account I do not have any such account ever in my life and I have asked the said institution and they do not have an account with my name on it but still credit agencies will not remove it. 
3. XXXX XXXX listed a missed payment I had an account with them but I did not missed payment for 30 days but they reported me to the credit agency they told me they have corrected the record but agencies still holding it against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

Complaint:
Thank you for taking the time to review my complaint. In XX/XX/2016 I was granted a car loan with assistance from my mother. With my mother as co-signer, the vehicle had high payment with a high-interest rate. Understanding the laws of unfair sales practices, a co-signer shouldn't be a liability. When there's a transfer of risk, according to laws, being placed in a financial burden is illegal. Being young at the time, the first vehicle, payments were made according to term agreement. Within the second year of the contract, the vehicle experienced a major decline with issues. Vehicle costs increased within the second year of the contract. Unable to maintain both costs of maintaining the vehicle ; our decision was to return the risk which was placed with us.

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 2021-08-20
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: EQUIFAX, INC. (OH)

Complaint:
This account was reported collection/charge-off and is affecting my score negatively. The reporting of this account is incorrect as I still see a balance after it was chargeoff. I urge your agency to reinvestigate and provide all the missing information. Also, please explain why there is a past due to balance reporting while the report show as a chargeoff? I'm pretty sure you know that it is a violation.

Company response to consumer: Closed with explanation