hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

Complaint:
On XXXX I got scammed out of {$2200.00} from a person who was selling an XXXX gaming console through an app called offer up. 
This person was selling the unit for {$150.00}. I agreed to purchase the unit for {$150.00}. I asked for the pick up address and the address was XXXX hours away. I live in XXXX XXXX and the address was in XXXX XXXX. 
I agreed to pay this person trough My mobile banking using XXXX. ( wells Fargo ) I sent a payment of {$150.00} to this person. 
Immediately I received a message back from this person saying that he accidentally had refunded the {$150.00} back into the account. He sent me an email with a message coming from his XXXX XXXX XXXX stating that the money was being refunded. I made another transaction of {$150.00} through XXXX thinking the money was actually being refunded. After, I received a second text message saying to check my email again because he accidentally had refunded {$1500.00} back to my account instead of {$150.00}. 
After this point I kept getting calls telling me to return the XXXX. 
I got calls telling me that if I did not send the money back they he was going to call the police. 
I felt I had to return the money because my intention was to purchase the XXXX XXXX  for {$150.00}, not to steal his money. This person used different names for this transactions because his account was locked after sending the {$1500.00} by accident. The names provided were XXXX XXXX {$750.00}, XXXX XXXX {$750.00}, XXXX XXXX {$400.00}, and XXXX XXXX. 
I bank with WELLS FARGO. 
I called Wells Fargo so they can stop the Transactions and they told me there's nothing they can do. 
I have called and filed a few reports with Wells Fargo and it seems they are not helping me to recover my lost funds. The only thing they did was to help close my account were the money came out from and I opened a new account. 
I have called XXXX as well and they tell me is Wells Fargo who i have to call and Fargo tells me to check with XXXX. 
Wells fargo reps tell me that there's nothing they can do because they treat it as cash transactions.

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 2022-03-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R & B Corporation of Virginia (VA)

Complaint:
Last year my son was very ill, it was around that time where I ended up in the emergency department at XXXX XXXX XXXX. When I was released, I went back to being inpatient with my son. I received a call sometime in 2020 about this bill from the collections agency. I had not received a bill from the hospital nor was I given the opportunity to work it out. 

At the time, they explained to me where the bill was from and that if I didn't pay the amount in full, it will be reported to the credit bureau. 

I had not seen the bill before and I was not in a position to pay the full amount in a short period of time. 

In XXXX my credit score dropped drastically, this was due to Credit Control Corporation reporting this bill to the bureau as they threatened me with and followed through. 

I called and explained I couldn't pay and said this was already in the bureau and nothing they could do and offered me a settlement which I couldn't do at the time. 

In XXXX they reported the same debt again, and most recently in XXXX, last week. This is very unfair and XXXX practice. When I spoke to them, they said " to pay as little as I could when I could and not to worry about the bureau as this had already been reported '' this was not true. Instead they have been reporting it to all credit bureaus each month, making my credit drop for over 80 points and putting at risk my financial stability and established obligations with other creditors. 

I ask to resolve this issue by Credit Control Corporation removing these reports that have been so damaging to me and my family ( last XXXX months ) and to stop reporting the same thing month over month. We are still battling with major illnesses and are willing to work something out when we are in a position to do so. However, under fcra and fdcpa I think the excessive reporting and contradicting information is a violation of my consumer rights.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
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: CL Holdings LLC (MI)

Complaint:
I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my driver 's license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within four days upon receipt of this correspondence.I have recently obtained a copy of my credit file, and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be removed entirely and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Jefferson Capital Systems {$700.00} XXXX XXXX : Police Report/identity Theft Report, FCRA Sections 605B, 615 ( 1 ). 623 ( a ) ( 6 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Complaint:
XXXX is reporting inaccurate information on my Equifax Credit Report. the date of delinquency is not correct and should be removed from my credit report. I contacted Equifax XXXX XXXX and XXXX exercising my rights for Verification of the debt on several occassions. I would like the negative information being reported on my Equifax Credit Report " Deleted ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
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. (GA)

Complaint:
I filed a dispute with Equifax for a collection item that is reporting on my credit report that is not mine. I provided an ID theft affidavit and proof of my identity. The item is still reporting on my credit report despite several efforts to remove it. After calling the Credit Bureau on the phone they stated that the reason is the Identification I sent was not legible, even though the copies I have are clear. I have attached the proof of identity information that I sent to Equifax. I hope that you can help me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central Portfolio Control Inc. (TX)

Complaint:
On XX/XX/10 i got a text message from Central Portfolio Inc. attempting to collect a debt. They are stating that i owe $ XXXX. I do not recall ever owing this amount.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

Complaint:
See attached Docs stating late payments on accounts that I've never been late on. Remove these late payments from my consumer report as this a violaton of my consumer rights under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. Also Under 15 U.S. Code 1666B states a creditor may not treat a payment on a credit card account under an open consumer credit plan as late FOR ANY PURPOSE. The law is very clear as it pertains to my consumer 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 explanation
Consumer complaint received 2020-08-06
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: AFNI INC. (TX)

Complaint:
I have been trying to resolve an account with the company AFNI, inc. The account number with AFNI is : XXXX. I have written a letter in XXXX of 2020 to this company regarding rectifying this account and I have not received a response. I have also sent letters in XXXX, 2020 asking for verification and method of verification for this account. THIS COMPANY DOES NOT RESPOND TO MY LETTERS. 

I have also disputed this account with XXXX  and XXXX  both online and written letters. This account was disputed in XXXX of 2020, and nothing has been done to rectify this. The account number for AFNI on my credit report is : XXXX. This account with AFNI has been removed from my XXXX   report. This account is inaccurate and falsely reporting because it is not a validated account according to the FCRA and has already been removed from my XXXX report because of this reason. I am requesting that the item be deleted to correct this information. Please do a full investigation of this item and delete disputed item as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody 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 explanation
Consumer complaint received 2022-06-02
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: The CBE Group, Inc. (TX)

Complaint:
I have been monitoring my credit report with XXXX for about a year and I check my report often and I notice a few day ago a debt collection agency popping up out the blue states it been there but it was not so on there before I disputed CBE Group for charter communications which XXXX XXXX reported for the same charter communications Which I spoke with CBE has a different amount so they say it was not a duplicate I only had 1 past due account with XXXX and the number listed to contact cbe group is a recording

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2016, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance XXXX {$2900.00}, XXXX XXXX XXXX Balance : {$1000.00}

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 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Complaint:
I called XXXX and Experian to remove accounts from dispute status and remove dispute comments on XX/XX/22. Associates at both credit bureaus told me that they do not see the dispute comments under my XXXX XXXX XXXX account ( see last page of attached ), but when I print out my credit report, the comments are clearly there. This error on my report is preventing me from obtaining a mortgage, lenders do not like to see accounts in dispute status. The XXXX XXXX XXXX account should not have any disputes on it, and both credit bureaus are telling me that there is nothing they can do to fix this error.

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 2023-01-26
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. (NC)

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX Balance : {$450.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX XX/XX/XXXX XXXX XXXX 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 2023-07-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OR)

Complaint:
I have had federal student loans since XXXX at XXXX for my XXXX and XXXX XXXX in nonprofit management. I have worked in XXXX  my entire career with a short period in default but otherwise have paid well over XXXX and over XXXX payment. Somehow I still owe XXXX. I have requested an entire print out of my payments including balance and interest rate along the way. The current servicer Mohela claimed they could only provide back to XXXX and to contact studentaid.gov. They said prior to that servicers have either gone out of business or information not accessible. Mind you the federal government has changed servicers at least 5 times over the duration of my loans. I spoke to studentaid/federal government to request a full report of the money I PAID the federal government and they said it isnt accessible because companies out of business. I then submitted a complaint with them requesting once again my full report. They closed my complaint without resolution. I spoke with them again the other day asking what the resolution was and the person on the phone was confused why there werent any notes and it was closed. This is corrupt. How do I owe XXXX after paying 20 years on a XXXX federal student loan? Why cant the federal government provide me the full history of my payments and interest rate? What other entity provides a loan yet doesnt have accountability for payments and interest rates? How do I know if there was any corruption or false calculation along the way because as of now there is absolutely no explanation as to why I still have XXXX on a 20 year federal student loan that started at XXXX. Furthermore for public service degrees!!!

Company response to consumer: In progress
Consumer complaint received 2021-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Complaint:
Please refer to my previous complaint ( XXXX ) I appreciate your help with this situation, I would like to make you aware of some additional information I received this week. This is the email I sent to Fifth Third Banks dispute department this week, see below : I was at the XXXX XXXX branch last night ( XX/XX/2021 ), I sat down and spoke with XXXX XXXX. We called the dispute team and spoke to XXXX together regarding this ongoing case. XXXX confirmed that this was not investigated properly and it was not looked into thoroughly and this case should have been cleared by now. 

When I initially called in stating that I did not activate the card, I was asked if I had the card in my possession. At that time I was unaware that a new card had been issued and I responded that I had the card in my possession. The card that was in my possession was the expired card and I never received the new card in the mail. According to XXXX this may have been the root of the confusion regarding this case because they ignored why I initially called which was to say I did not activate the card. 

XXXX and XXXX both advised that it was more than likely mail interception, I spoke to a detective at the XXXX police department and they are going to update the police report and inform the federal post office police of this possible mail interception as well as investigate the merchant that this charge took place at ( XXXX XXXX XXXX XXXX XXXX ). 

What more was I obligated to do than to state that I never activated a card? At that point Fifth Third Bank failed to do their responsibility and they keep trying to make me pay this fraudulent charge. 

The only charges that were incurred by me on that account was a reoccurring XXXX charge, therefore I had no knowledge that the card was going to expire. I don't understand how they are fighting me on a charge that is fraudulent. 

Im sure I'm not the only one this is happening to with Fifth Third Bank and how they handle fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (CO)

Complaint:
Starting the XXXX of every month conns calls up to 12 times a day on two different phone numbers. The out standing payment of XXXX dollars and change is due on the XXXX. This calling keeps up until the day after the payment is made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29
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:
I submit a Identity Theft report to Experian regarding an account that does not belong to me. Which is the XXXXXXXX XXXX XXXX account. They removed the account from my credit report and a few days later it was put back on my 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 2017-12-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Law Offices of Frank J. Maier & Associates (MA)

Complaint:
XXXX XXXX XXXX amount of {$14000.00}. I have sent XXXX XXXX XXXX a debt validation on XX/XX/2017 and XXXX XXXX XXXX has not responded. XXXX XXXX XXXX then took me to court on XX/XX/2017. I have no knowledge of this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
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: Bread Financial Holdings, Inc. (ND)

Complaint:
Had credit card with XXXX, had good credit, and when they filed Bankruptcy, it was noted that it was derogatory on my be half! I had long good standing with the company! It should not be a derogatory statement on my credit report!

Company response to consumer: Closed with explanation