hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-03-29
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. (TX)

Complaint:
I did not provide the credit reporting agencies with written permission to report any of these accounts I am requesting to be removed. This is a violation of 15 U.S Code 1681b ( a ) ( 2 ). 

I did not provide any of the listed companies with consent to share my credit card ( ID, SSN, etc ) with another entity ( I.e the credit reporting agencies. This is a violation of 15 U.S Code 1681s-2 15 U.S Code 1602 ( I ) says any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit is by definition a credit card

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 2022-04-25
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. (FL)

Complaint:
The 3 credit bureaus advised me to file a fraud complaint with the FTC to have all these fraud account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Complaint:
I have had this credit card since XX/XX/2008and have never missed a payment. I asked to be signed up for the online banking account in XXXX and spoke with someone on the phone to set that up. At that time I updated my email address but did not intend to opt into " paperless billing '' as the way that I manage my accounts is via paper. 

I received an email the first week of XXXX telling me that my credit limit has been dropped from XXXX to XXXX due to non payment on my account. I was astounded as I always pay my bills. I called BoA and paid my account in full and told them I never received a notification in my email that there was a bill ( and I have searched my email account and I didn't ... wasn't even in spam ). I asked that my credit limit be restored because this was an oversight and I have an excellent payment history. They said they would not restore the credit limit. 

Today I discovered that my XXXX checking account was overdrawn because Bank of America took not only my minimum payment but also the full statement payment from my checking account ( although I had a XX/XX/XXXXBALANCE ). I called and asked what happened as I had NOT authorized this. They said I did authorize it online ( I am not that old, but it must have been something that they automatically opt me into vs. something I chose to opt into ). Now they say it will take up to five weeks for a refund. So BoA has about {$3000.00} of my money, they have reduced my revolving available credit by XXXX and are completely unwilling to do anything to expedite it or consider returning my credit limit to where it was. Not to mention ... if I HAD opted into the auto payment of my account in the past ... how could I possibly have had a late payment last month? None of this makes any sense. 

I want to close my account but I can't do that yet because they took payment in two sets and I have to request the refund of the second amount 8 days from now ( why 8? I have no idea ). And I have to be the one to request this ... they won't just automatically refund me money that is a credit AND I did not authorize they take. They also said they won't return my annual fee because I " used their benefits '' already ( I don't consider using their service a benefit ... anything but ) I just can't believe how badly this company treats its customers and gets away with it.

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 monetary relief
Consumer complaint received 2023-01-20
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: EQUIFAX, INC. (TX)

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 response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
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: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (TN)

Complaint:
I am a victim of identity theft. Because of the identity theft I ordered my XXXX report and found the following inquiries that were not authorized by me : Peoples United Bank XX/XX/2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-13
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: Rocket Mortgage, LLC (LA)

Complaint:
On XX/XX/18 I inquired about information relating to the home buying process. I provided my name, email, and telephone number to Quicken Loans. At XXXX on XX/XX/18 I received a call from XXXX XXXX associated with Quicken Loans on a recorded line. 

I was asked if I wanted to give permission to do a hard inquiry on my credit report and I replied that I did not give permission for that, and I am not interested in continuing the process as I was just looking for information. 

On XX/XX/18 a hard inquiry was added to my credit report by XXXX. On XX/XX/18 I contacted XXXX XXXX with Quicken Loans via email at XXXX stating I would be filing a complaint due to a hard inquiry done without permission and my specific instructions not to do so. I received no response. I am awaiting a response from Quicken Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (KY)

Complaint:
checking my credit report, i noticed a debt in collections. it says it originated with XXXX  XXXX XXXX, in XX/XX/XXXX. i was a customer of theirs, at that time. i cancelled the policy, WITHOUT ANY OUTSTANDING DEBTS. i contacted XXXX   XXXX first about this debt. they have no record of it. i am still a customer of theIrs and they have never tried to collect on it. 
i contacted the collection agency, XXXX XXXX XXXX, they can not or will not tell me what the debt is for. 
i will not pay a debt that no one can tell me what its for. THE AMOUNT IN QUESTION IS FOR XXXX $ i challenged this debt with XXXX. on XX/XX/XXXX.they investigated, and on XX/XX/XXXX completed that investigation. they can not give me an answer either.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Complaint:
On XX/XX/XXXX, I transferred ( by way of XXXX XXXX, through Capital One 360 ) {$1100.00} to a XXXX  XXXX XXXX account. Within minutes, I received an email notification stating that the funds were sent and that the said funds would be available immediately by the receiver. They were never received. On XX/XX/XXXX, I called Capital One 360 ( XXXX ) and spoke with XXXX and advised of the problem, she advised it would be " researched ''. I received no response back from XXXX. On XX/XX/XXXX, I called Capital One 360 ( XXXX ) and spoke with XXXX, XXXX, and XXXX, in which they all insisted that the money was transferred and that they could do nothing, but that it was " being researched '' and to contact XXXX XXXX XXXX to have the funds released. By XX/XX/XXXX, the recipient still did not have the {$1100.00} in their account, had confirmed that their email address and cell phone # with XXXX XXXX XXXX ( how funds are transferred with the XXXX XXXX  XXXX  ) was correct, and that no funds had been received from Capital One 360 and no funds were on hold. I ( again ) called Capital One 360 ( XXXX ) and spoke with XXXX, whom again, could do nothing for me and advised that this was ( again ) " being researched ''. On XX/XX/XXXX, I received an email from an XXXX stating that " we are researching '' and yet still NO RESOLVE. By XX/XX/XXXX, I still had not received the funds back to my account and the recipient had not received the funds, so I called Capital One 360 ( XXXX ) and spoke with XXXX out of Delaware ( ID # XXXX ), who stated was " part of the management team ''. He was arrogant, dismissive, and provided zero assistance. He also stated that there was " NO CASE # assigned to my issue ''. I tried to file a " claim '' on my money, in which i was advised would take " more research ''. On XX/XX/XXXX, I called Capital One 360 ( XXXX ) and spoke with XXXX. Still NO RESOLVE AND NO MONEY BACK INTO MY ACCOUNT. It is now XX/XX/XXXX, and I have yet to hear back from the " management team '', have not received any additional emails of resolve and still do not have the funds back in my account. Please be advised that this is MY CHECKING ACCOUNT, not borrowed money, not a loan, but MY MONEY. CEO, XXXX XXXX needs to be THE person to contact me, advising me that the money WILL BE in my account today!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Complaint:
I am a victim of identity theft, i did not open/authorize the these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : 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 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 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (CA)

Complaint:
After checking my consumer credit report from XXXX, I found a collections account from Professional Bureau of Collections with an account XXXX XXXX XXXXXXXX opened on XX/XX/22 with a balance of {$300.00}. I've never done business with Professional Bureau of Collections therefore, could not be liable for this debt. This alleged debt is not mine as I never entered into a signed agreement or completed an original contract with Professional Bureau of Collections. I never provided any written consent or permissible purpose for this alleged creditor Professional Bureau of Collections to report on my consumer report. I AM THE ORIGINAL CREDITOR and THE ONLY ONE who can extend credit or permission to report to my consumer report. This is a violation of U.S. Code 1681b permissible purposes of consumer reports. Pursuant to 15 U.S. CODE 1681b ( a ) ( 2 ) - Permissible purpose, of consumer reports. ( A ) in general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I NEVER PROVIDED WRITTEN PERMISSION OR ANY CONSENT to pull my consumer report. This is a violation and also constitutes as identity theft - " 15 U.S. Code 1681c2 - Block of information resulting from identity theft. '' Furthermore, this company has been attempting to collect an alleged debt where the so called original creditor has falsely represent the character other Violations under 15 U.S. Code 1692e that you are implementing yourself. 15 U.S. Code 1692e states : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

Complaint:
In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize this information US BKPT CT TX XXXX. I contacted that court and they sent me a letter that they do not send anything to the credit bureaus or have any file that matches my personal information. I then contacted XXXX, they show no record of the bankruptcy or a file under my name. I have attached a copy of the letter from XXXX. I want you to remove this inaccurate tradeline from my credit report. I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
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. (PA)

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX has violated my rights. The date opened is inaccurate. It's reported on Transunion as a different date compared to XXXX and XXXX. The alledged debt shows as charged off, but another account from XXXX XXXX XXXX shows the exact same account number. Both companies have violated my rights. A debt validation letter was sent to XXXX XXXX XXXX in early XXXX. 45 days have passed and they have yet to send me proper documentation proving I owe on the alledged debt or showing that I have ever done business with them. 
XXXX XXXX XXXX, has violated my rights. Also shows inaccurate date opened when compared on all three consumer reports. 
XXXX XXXX XXXX XXXX has violated my rights. Also shows inaccurate date opened when compared on all three consumer reports. 
XXXX XXXX XXXX, has violated my rights. Also shows inaccurate date opened when compared on all three consumer reports. 
XXXX XXXX XXXX, has violated my rights. Also shows inaccurate date opened when compared on all three consumer reports. 
XXXX XXXX XXXX, has violated my rights. Also shows inaccurate date opened when compared on all three consumer reports. 
XXXX XXXX, has violated my rights. Also shows inaccurate date opened when compared on all three consumer reports.

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 : States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2016-08-27
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CITIBANK, N.A. (CA)

Complaint:
Dear CFPB, XXXX/XXXX/XXXX, I received a call from a restricted # saying that they have an urgent matter and that I need to call the ph # he gave me over the phone XXXX XXXX XXXX. I call them and spoke to a male person that refused to give me his name or any info on the account or their company. He was rude, insulting and abusive and hung up on me. I just needed info of the LAW FIRM he said he is working for. So later again, I called and hoping to talk to someone else working there, to get the proper information. I spoke to XXXX XXXX XXXX who told me that there is a demand letter for XXXX from CITI bank, and there will be a lawsuit/judgment against Me XXXX XXXX if I do not settle this right away. As I recalled, I never had a debt with CITI bank for {$35000.00}, then he explain that its actually XXXX but with fees its XXXX and would be willing to settle this matter for XXXX. The next day, I got another call from the first person I had spoke to but I did not take the call because it was a restricted #, so he left a message stating his name is XXXX XXXX and was upset the I complaint that he was harsh with me. He also called and left a message on my daughter phone. 
This Account with CITI bank was default by the end of XXXX when the real estate market crashed in XXXX XXXX California. My husband and I both lost our jobs and could not make our mortgage or credit cards payments, we were insolvent for years. Some debts were charged off in XXXX including CITI bank. It appears that this collection company named XXXX buys or gets old debts and tries to harass and threaten citizens of America to get them to pay old discharged or charged off debts. They have continuously called from restricted phone # and sometimes left threatening messages on my phone, my husband, daughter and son 's phones. They have call early in the morning and late in the evening from their restricted phone #. If this is a law firm as they claim to be but refused to give me their attorneys ' names, they are most definitely violating the laws and statute of limitation. 
Now, with our business a little established, we are able to pay our modification mortgage and utility bills. We are just not able to make credit cards payments. My husband and I are barely making enough to get by in this economy. Please help stop this company from threatening and harassing myself and family members. PLEASE INVESTIGATE THIS COMPANY AS THEIR REVIEWS online ARE NOTHING BUT SCAMS

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 2020-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (WI)

Complaint:
I am a XXXX veteran. I was living in XXXX South Carolina for 1 year. Before moving to South Carolina I purchased a XXXX XXXX. The day I was purchasing the XXXX I explained I did not want my payments to be more than {$300.00}. I was feeling unwell that day and they took advantage of me and loaded the contract with packages I was not interested in and could not afford. I was shocked to learn my monthly payment was going to be {$740.00}. I did that for a while but could not afford it. Despite multiple phone calls did the dealership to rectify the situation I just decided to pay {$300.00} a month the loan. I never missed a payment except for when I was hospitalized due to XXXX and XXXX XXXX XXXX one month and the second month I got XXXX by a XXXX. then hurricane came and we were ordered to evacuate that area. I still never missed a payment. I went to the local XXXX and took out money orders. one of them they said they never received which I strongly suspect fraud on their end. It's been a nightmare to fix this on my credit report. I no longer have this vehicle. That same month I might have been late on my mortgage payment by a day or so but I never not paid. I'm somebody that has paid everything on time and I pay more then the required amount. I've been waiting months to work on a refinance now that my XXXX paperwork has finally come through from VA. Please help get my credit score fixed so I can do refi

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Worldwide Processing Group, LLC (FL)

Complaint:
I have been receiving harrassing phone calls at work, home, and on my personal cell phone from a companyh FMR ( Forward Movement Recovery ). Every time they called it was a recording stating my name & they were looking for my whereabouts. AT the end of the recording it says to press 0 to speak to a representative. At that point you're placed on hold & then you are hung up on. Today I called the number back ans spoke to XXXX. AT first he was very friendly & stated that I took out a payday loan from a company called XXXX XXXX XXXX back in 2014 & I never repaid it. He knew my place of employment, my bank account iformation, and my home address. I asked that something be sent to me in writing and he said that he would once he verified my personal information. He stated that this company has attempted contact me via email and regular mail for years & I have not responded. This is FALSE. I have never taken out a pay day loan. When I told XXXX that this was a scam & that I would be reporting this he became very aggressive and rude. Telling me that I was threatening him & he was no longer willing to send me any documentation about this matter. He said that he has my voice recorded saying that I was refusing to pay & that I was reporting them. I just want this to stop. I have never applied for any such loans nor have I ever received any funds. The person I spoke to was XXXX at FMR  XXXX ext XXXX

Company response to consumer: Closed with explanation