hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-07-16
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. (GA)

Complaint:
I received my credit report on XX/XX/XXXX and notice there were hard inquires that have no permissible purpose to be on here. These hard inquires are hurting me from getting approved. I already reached out to the credit bears multiple times and they keep violating my rights under 15 USC 1681B. I have also attached the hard inquires that don't have purpose to be on my credit report. 

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 2021-04-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Complaint:
On XX/XX/XXXX at approximately XXXX XXXX, I received a phone call from XXXX XXXX, who said he was an independent process server. He said he wanted to serve me with a complaint tomorrow at my address. I ask what the complaint was about, then he gave me the phone number XXXX to call and a Case No : XXXX. 

When I called the number, XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX, answered the phone. After giving him my name and case number, he said I owed Capitol One {$1800.00}, the account was opened on XX/XX/XXXX and that the last payment was XXXX of XXXX. At no time during our conversation did he say, " He was attempting to collect a debt and that any information obtained would be used for the purpose of collecting a debt. '' in violation of " FDCPA ''. 

Additionally, he lied about the dates and amounts of the debt in violation of " FDCPA. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (IA)

Complaint:
I received the attached notice in the mail. It is directed to : [ My name ] XXXX XXXX XXXX XXXX Ohio [ My address ] My personal name and  address are correct on the included document, but I don't know who " XXXX  XXXX  XXXX Ohio '' is, and I also don't have an account with Truist. 
I called Truist and was forwarded to the answering machine in their fraud department. I was supposed to receive a call back within 48 hours but didn't.

I am now abroad and saw on their web site that for fraud cases, the procedure is to report the fraud to the FTC. 
That is why I am submitting this report.

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 2019-05-31
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: Experian Information Solutions Inc. (GA)

Complaint:
Hi, I wanted to reach out to let you know about some things on my credit that I know nothin about. I was buying to buy a house for my family and couldnt because of the things on there not mine. Please remove them from my credit. I contacted the police and file a report with the FTC. I'm doing this on my own behalf. The accounts are XXXX XXXX, Dpt EdXXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and some account that dint have a name but the account XXXX. Thanks for you help with this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-11
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CURO Intermediate Holdings (VA)

Complaint:
This is the first time I am hearing about a debt that I owed for Speedy Cash. 
I emailed them disputing this transaction and requested proof of debt.

Listed below is what was included in first email : SPEEDY CASH SERVICE Attention, Lawsuit Court Case # XXXX LAWSUIT COST- {$1800.00} ( INCLUDING ATTORNEY FEE/ACCOUNT VALUE/LATE PAYMENT COSTS/INTEREST COSTS/COURT FEES ) Attorney : XXXX Rector XXXX XXXX, CA, XXXX. 

SETTLEMENT AMOUNT - {$880.00} For settlement reply on : - XXXX SUBJECT : LOAN Settlement AMOUNT- {$880.00} One Time Settlement Amount : - XXXX Received another email from XXXX XXXX XXXX Senior Investigator aXXXX XXXX XXXX XXXX stating the following : Hello XXXX Case No : XXXX After receiving this email we will issue a legal warrant on your name within next couple of hours so before you do anything read this email very carefully and respond back early as possible. 

You are hereby notified that a lawsuit has been filed against you for three serious allegations. Speedy Cash is a client of ours, and we are going to be representing them in future legal proceedings. 

The charges with Speedy Cash pressed on you are : XXXX ) Violation of Federal Banking Regulation 2 ) Collateral Check Fraud 3 ) Theft by Deception

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Complaint:
I use Bank of america ATM to withdraw some money from my account, my bank account is a foreign institution name XXXX, on XX/XX/XXXX I used the ATM and tried to withdraw $ XXXXUSD, but the ATM automatically denied my transaction with the message " Exceed limits '' to withdraw. Due that I decide to take just {$200.00} and come back the next day. on XX/XX/XXXX I tried to get my remaining funds to complete the $ XXXXusd but this time the ATM said I didn't have the funds to dispense the money. 
I contact my bank and they said that a transaction of {$540.00} was approved on a ATM, I dispute that charge since that day but my bank ( XXXX ) initiate the investigation and a result bank of america did approved the transaction but the ATM no/no release the money. I been trying to resolve this matter with bank of america but they just don't help at all, many phone calls and visits to the branch were the ATM is located but they saying they don't have any record of my transaction and they don't give the money back is already been almost 2 months and I have not resolve this issue with Bank of America. My bank already make a dictamen saying that bank of america approved the transaction they will not do anything else. Bank of America ATM or someone in that branch keep the money and now they dont release to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
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: Capio Partners, LLC (GA)

Complaint:
On XX/XX/2022 a report was made in the amount {$1400.00}. Due to consumer reporting law 15 US 1681 ( a ) ( 3 ) this action has been deemed unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Automated Accounts Management Services (IA)

Complaint:
XXXX was my aunt she stole allmy identity stuff. .id birth certificate social security card everything..i caught her n pressed fraud on her for falsely impersonate me to get dentures ... Please my mom destroyed my credit i was rebuilding n now she doing tbis my aunt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

Complaint:
Hello, I was in the process of obtaining credit a few months ago and was made aware of several inaccuracies on my credit report. I reached out to Macy 's via direct mail several times to verify the information reported. The first couple of responses they refused to look into any information, and recently I received a Cancellation of Debt 1099-C form from them in regards to the account. If there is no proof of the account, and they have admitted cancellation of the debt, the account needs to be removed from the credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

Complaint:
Hi I am writing this complaint against XXXX  and Equifax. XXXX  and Equifax both said they verified a Fraudulent XXXX XXXX collection account on my credit report. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 


I have also attached the correspondence I have rec-ivied from XXXX   and XXXX. 
I have also attached my ID so XXXX  cant falsely say I hired someone to dispute these for me. 

I also want XXXX  to know I have filed a complaint with the Attorney General Office and my next step is litigation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

Complaint:
The XXXX  XXXX  in XXXX Illinois illegally used my credit card to charge for rooms that wasn't mine but my sister who paid for them on XXXX My bank denied the claim because the hotel apparently recreated documents with my name on them... 

They have inserted me in this transaction and I wasn't staying there.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
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. (CA)

Complaint:
Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
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: Experian Information Solutions Inc. (NY)

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 explanation
Consumer complaint received 2020-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Complaint:
I am a consumer in pursuant to 15 USC1692A3 Experian, XXXX, and is in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from Experian XXXX  nor XXXX  nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a { {$1000.00} } violation. In pursuant to Title 31 U.S.C. Sec. 3123 ALL DEBTS ARE UNITED STATES OBLIGATIONS! XXXX XXXX XXXX {$18000.00} IS IN VIOLATION of federal law in attempt to collect a debt they are also violation of The false Claims Act ( FCA ), 31 USC 3729-3733

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 2017-07-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Acceptance Corporation (FL)

Complaint:
There is a collector by the name of M. Leonard & Associates reporting a closed account on my credit report that is not mine..I have repeatedly disputed this account to no avail.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (GA)

Complaint:
RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. Best regards, I remain

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Complaint:
Company is not reporting credit card and balances to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
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: EQUIFAX, INC. (SC)

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
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: WELLS FARGO & COMPANY (SC)

Complaint:
Wells Fargo has reported to XXXX, XXXX and XXXX that a payment were not received for {$280.00} on XX/XX/2015. My XXXX XXXX statements show that the payments were processed.

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 2022-09-20
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. (NJ)

Complaint:
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 In accordance with the Fair Credit Reporting act Convergent these companies below have violated my rights : XXXX XXXX XXXX # XXXX Has violated my rights XXXX XXXX XXXX # XXXX. Has violated my rights ONLINE INFORMATION SER # XXXX Has violated rights

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 2018-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (MI)

Complaint:
I had borrowed sufficient funds to pay off the credit cards I had open with American Express. I contacted the company thru the customer service line. I spoke to the representative on XX/XX/2018, and determined that from his statements, and the billing statement that I had received, that the payoff total for the card was {$13000.00}. That total was paid to the company, that day, using my bank transaction routing, and I paid additional charge of {$9.00} to verify it was sent that day. This was due to the next day being the due date. A week later, I received another invoice from American Express, indicating I still owe XXXX. I reached out to the customer service line, again, and this time was basically told it was consistent with company policy to charge me interest, even though it was paid off. I am currently refusing to pay that amount, as I had already paid off the card a week previous, and on time previous to the next billing cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
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. (HI)

Complaint:
I am puzzled why these accounts show up on my credit report out of nowhere.. IT must be that someone use my identity.. The accounts were fraudulently opened in my name..I did not make the charges ..I am requesting that the items be blocked to correct my credit report. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : 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 2020-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Complaint:
My wife and I purchased an item via my Capital One credit card from XXXX on XXXX for {$1200.00}. The item, a XXXX XXXX, was broken when I got it. I sent it back two separate times to the XXXX and it was returned to me two times, which took months. I sent it back a third time, which Ipersonally paid {$400.00} out-of-pocket to do via XXXX. The item was finally recived by XXXX on XXXX. XXXX sent me an email stating this on XXXX. I have sent Capital One photos of the broken faucet, proof I paid for it, proof I sent the faucet back ( 3 times ), proof XXXX got the faucet and still Capital One refuses to credit my {$1200.00} plus any interest it has accrued. I have called Capital One a dozen times, spent countles hours explainingthe situation to various Customer Service people, numerous Managers, etc. the past year to get this resolved -- butthey refuse to do so. My last call was with a person named " XXXX '' on XXXX and he actually hung upon me. Capital One are either thieves or incompetent as this is beyond ridiculous. My wife and I have 4 credit cards with Capital One, spend thousands per year and our credit scores are well over 800. Please help!!

Company response to consumer: Closed with monetary relief