hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2019-03-27
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. (NC)

Complaint:
I had an account with XXXX XXXX XXXX  and the company sent me to collection. I paid the account with the collection agency ( XXXX XXXX XXXX XXXX ) on XX/XX/2018 in the amount of XXXX XXXX XXXX XXXX  did not report the account as settled in full after I paid the collection agency on XX/XX/XXXX, XXXX XXXX XXXX XXXX   did not report anything on the account for several months until after I did a dispute with the credit bureau then the company report the account as a charge off on XX/XX/XXXX.. Unfair business practices due to me paying the debts and they still report the debt on the credit even after I notified them and sent them proof of the payment. They even confirmed verbally with me that they would not update even though they acknowledge payment.

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 2023-01-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

Complaint:
This collection is not mine. They keep adding collection out of no where

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc. (PA)

Complaint:
I have no knowledge of this account so I have no information on it. The company is refusing to remove it saying it's accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (CA)

Complaint:
Wells Fargo already made debt settlement and they still want me to pay more paid XXXX XX/XX/XXXX was total settlement

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 2022-11-26
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. (MO)

Complaint:
I am, once again, submitting this CFPB complaint to you to request that you remove the negative description on my Credit File. When I checked my credit record, I discovered a lot of billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
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 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 Owed : {$79.00} XXXX You have failed to send me copies of results of your investigation and yet you claim that the disputed erroneous acccounts are acureate and verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
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. (TX)

Complaint:
Transunion is reporting several inquiries by XXXX XXXX to my credit report while its obvious that no company needs to pull ones credit several times a week let alone several times a day Transunion refuses to remove the inaccurate information while it only to a simple phone call to XXXX and XXXX to get this error corrected. 

Transunion wants me to reach out to XXXX XXXX which I did and they both Transunion and XXXX XXXX Are having me having to jump through too many hoops to have me to correct their misinformation which has caused me to miss out on several credit approvals due to this Misinformation being reported on my credit. Below is how the item appears on my credit XXXX XXXX Inquiry : XXXX XXXX, 2021 + XXXX XXXX XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 + XXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 + XXXX XXXX XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 + XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 + XXXX XXXX  XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 + XXXX XXXX XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 XXXX XXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 + XXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 + XXXX XXXX  XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 + XXXX XXXX XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 + XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 XXXX XXXX XXXX XXXX ) XXXX Help with correct this will be greatly appreciated.

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 2022-12-23
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. (SC)

Complaint:
This is my continued endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion.

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 2020-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
I am a victim of identity theft. I was contacted by a bank in reference to a loan that I did not apply for and did not benefit from. That prompted me to check my credit report for accuracy and I found that someone has used my personal information to apply for several loans that I did not authorize and did not benefit from. This is my second time reporting this because the first time I reported it I only noticed inquiries for fraudulent applications. I just checked my credit report and now there are several fraudulent loans being reported on my credit. My credit score that was once 800+ is now XXXX. I AM DEVASTATED! I need help and it seems that no one is willing.

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 2023-04-20
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Complaint:
XXXX XXXX XXXX : {$170.00}, {$170.00} XXXX XXXX XXXX, : {$3000.00}, {$3000.00} XXXX XXXX : {$1000.00} XXXX XXXX  : {$600.00} XXXX XXXX XXXX : {$650.00} XXXX XXXXXXXX XXXX : {$830.00} Portfolio Recovery Associate : {$1900.00} XXXXXXXX XXXX XXXX {$890.00} These are third party collection agencies that I do not owe anything to. I've never signed nor had any contract with these companies. These companies need to provide a signed contract between myself and them. These collections need to be removed immediately. I have contacted the debtors by mail and online to disputed these inaccuracies and have them deleted. The Tila law and the USC code by reporting inaccurate information on my credit report without contacting me first.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Complaint:
My business checking account has been frozen by Capital One Bank since XXXX. When I called into the small business customer support, I was transferred to the fraud division who told me that I need to submit information regarding the eligibility of my business for an SBA EIDL loan that my business received in XX/XX/XXXX. I was also told that the SBA has asked Capital One to conduct the review on its behalf. 

However, despite repeated requests via phone and e-mail going back a period of over one month now, Capital One has refused to send me either in writing or via e-mail what documentation Capital One are requesting for this review. I was asked to email XXXX which I have done several times without any response. 

In addition, my personal checking and savings accounts also held at Capital One have been frozen and I can not even login to my Capital One account to review statements or otherwise manage my account. These accounts have no bearing on any review that Capital One is conducting on behalf of the SBA. 

Capital One needs to confirm in writing what documentation is being asked for and what the legitimate reason for this review is. Why have I not received any communication from Capital One on this matter? I had to call in to even get the little information that I have now. 

As a result of this account freeze, I am not only unable to conduct business, but I have had bill payments scheduled to my personal account fail costing me fees and potential hard to my personal credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Health Care Financial Services, Inc. (FL)

Complaint:
For a few years now, two collections accounts from this company ( XXXX for {$710.00}, and XXXX for {$780.00} ) have sat on my credit report, negatively affecting my credit and FICO scores. I do not know where this debt came from, I am unfamiliar with this company and I have had no known dealings or contracts with this company. I don't know where this negative information is coming from. 
There is no paperwork, account information/ number provided to me anywhere or anytime to support why this debt even appears on my credit report. It is a phantom debt on my credit report. This company has a terrible XXXX  rating and I am submitting a complaint to that agency as well. They have a habit of placing phantom, random collection accounts on consumers credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
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: CITIBANK, N.A. (FL)

Complaint:
On XXXX XXXX, XXXX, a person other than me fraudulently applied for a Best Buy card, resulting in a hard inquiry.. I have not been to nor applied at Best Buy in over a year! 
I disputed this claim to XXXX and they directed me to your website. 
Citibank, NA, Best Buy Citi XXXX XXXX XXXX, XXXX, FL XXXX Also, on same report, I noticed a hard inquiry for XXXX XXXX XXXX XXXX on XX/XX/XXXX, and this is also fraud! I have lived at the same address since XX/XX/XXXX and have had XXXX internet since XX/XX/XXXX. XXXX does not even service my address, so this too is fraudulent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SIMMONS FIRST NATIONAL CORPORATION (AR)

Complaint:
On XX/XX/XXXX and XXXX I was charged for unauthorized charges both charges are {$49.00} each. I'm on XXXX and I can not pay my bills. These charges appear to be for a weekly newsletter. Please reverse these charges so I can pay my legitimate bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
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. (IL)

Complaint:
In accordance with the Fair Credit Reporting Act under 15 U.S.C. 1681 section 602 A states : I have the right to privacy.15 U.S.C . 1681 section 694 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. 


The list of accounts appearing on my credit files by XXXX, XXXX and Equifax below have violated my federally protected consumer rights to privacy and confidentiality reporting as stated above : XXXX. XXXX XXXX XXXX XXXX {$990.00} - Acct # XXXX XXXX. XXXX XXXX XXXX- {$86.00} - Acct # XXXX XXXX. XXXX XXXX- {$1100.00} - Acct # XXXX XXXX. XXXX XXXX- {$730.00} - Acct # XXXX XXXX. XXXX XXXX- {$1500.00} - Acct # XXXX XXXX. XXXX XXXX XXXX- {$890.00} - Acct # XXXX XXXX. XXXX - {$1100.00} - Acct # XXXX XXXX. XXXX - {$700.00} - Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
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: Fidelity National Information Services, Inc. (FNIS) (FL)

Complaint:
On XX/XX/2023 I sent a dispute to Chexsystems regarding some errors I discovered on my report. They came back today, a day after I submitted my dispute saying the investigation was frivolous and won't investigate. That I need to tell them what's wrong in the report. This is not my job. They're job is to make sure ALL THE INFORMATION ON MY REPORT IS XXXX XXXX ACCURATE. Reporting inaccurate information is a violation of my rights. 

I demand the following account to be investigated and verified. If not, it has to be delete immediately from my report. 

Source : XXXX XXXX XXXX XXXX XXXX : Transactions involving POSSIBLY altered items or checks. 
Reported name : XXXX XXXX ( NOT MY NAME ) Reported address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( NOT MY ADDRESS ) Alleged Charge Off Amount : {$1900.00}

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 explanation
Consumer complaint received 2018-03-10
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. (MI)

Complaint:
My complaint is about Experian and their refusal to report our mortgage as being open and paid. I have sent mortgage statements, and documents from the lender ( XXXX ) that this account has never been closed, and is being reported as such. From what Experian has explained to me is that in XXXX the account was discharged due to a bankruptcy, and the tradeline was never inserted back by XXXX. XXXX informs us that they have no control of when a tradeline is removed. On XX/XX/XXXX, XXXX submitted Automated Universal Data form ( AUD ) number XXXX to Experian to reinsert XXXX tradeline. I spoke with Experian on XX/XX/XXXX, and they informed me that Experian will never be able to report our mortgage, because the time frame had passed for XXXX to have the tradeline reinserted. Our mortgage was never included in our bankruptcy, and it should have never been removed from Experians credit report. The other credit bureaus are reporting our mortgage as open. So, in conclusion, its been ten years since Experian stopped reporting our mortgage, and some lenders use Experian to determine eligibility for credit. I want to know if it is legal for Experian to refuse to report our mortgage. I have been back and forth with Experian and XXXX to resolve this matter. Thank you for your assistance.

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 2021-03-22
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: WELLS FARGO & COMPANY (MN)

Complaint:
XXXX XXXX is reporting a negative account against me that they fail to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. XXXX wont send any documents, bearing my signature, showing that I have a legally binding contractual agreement/obligation to pay them for the alleged charge off account. XXXX XXXX XXXX have already removed this account from my credit for Violations against the Fair Credit Reporting Act. XXXX XXXX also didnt furnish the credit bureaus with the required disclosure, within the period required by law. They are required by law to place a notice of dispute on my account within 30 days of my dispute, which you signed for XX/XX/2021. I have retained a copy of their signature and date of receipt, as well as time stamps of my credit reports showing that you violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act 807 ( 8 ) by not placing the disclosure within the required 30 day period. Im requesting XXXX XXXX to delete this account off of my credit reports for good for violations against the Fair Debt Collection Practices Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-10
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (OH)

Complaint:
Citibank offered me XXXX XXXX XXXX bonus miles for opening a savings account. 
I followed all of the requirements exactly in regards to content and timing. 
Minimum of {$10000.00} new to Citibank money held on deposit for minimum of 60 days and that would qualify for XXXX bonus miles. 
We fully understood that the disclosure stated the bonus would be paid 90 days after the account was opened. Well, We have met all the exact requirements and Citibank still has not delivered on their promise for the payment of 20,000 XXXX XXXX bonus miles. The time frame has passed. I believe this to be a systemic UDAAP issue where Citibank deceptively tries to gather deposits with the " promise '' of paying bonus in cash or flying miles only to not deliver according to their disclosure. We looked at all the complaints on line and it is absolutely amazing the amount of people have the exact same scenario!!!! This seems to be a recurring practice by citi not just a one off and I would hope that you as regulators and more importantly protector of the consumer will step in and make them 1 ) give me what is owed and PROMISED to me in their disclosure and promo and also penalize them and make them pay for this horrible practice. I am one of thousands!!!! Please contact them to have them deposit the bonus miles to my frequent flier account. This may seem trivial to some but it is a clear fact that I would NOT have deposited money with this bank had I not been offered the bonus miles. Citibank benefitted by offering a lower interest rate in exchange for the promise of the bonus miles. so they profit and the consumer ( me ) has to literally fight to get what I was told by them in a disclosure. I contacted them several several times by chat and they kept telling me do not worry the miles will be paid by the 150th day well they were NOT. Then they actually gave me a hard time for asking about it and acted as if it was no big deal. They have all the info all the contact and verified that I met all the criteria and timing!!! Please step in! 
Thanks!!!

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 2021-07-12
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. (FL)

Complaint:
I sent out Dispute Letters to XXXX, Equifax, And XXXX  for inaccurate information on my Credit Report on XX/XX/XXXX. I did not receive a reply back from XXXX  and Equifax. I then sent out a second round of Dispute Letters to On XX/XX/XXXX to again dispute the inaccurate information still being reported on my report and still have not received an response from XXXX  or Equifax. This has been well over the allotted time for an investigation. Please Advise.

Company response to consumer: Closed with explanation