hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-02-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (FL)

Complaint:
XX/XX/2021. I checked my account and noticed XXXX was in my XXXX XXXX account that was joined I immediately transferred XXXX to my checking and locked my card because that's all I was able to savage at that moment. I checked my savings account and it was depleted to XXXX cents.I called the bank in a XXXX. Me and my XXXX rushed to the bank and found out that all of my savings was withdrawn XX/XX/XXXX, XXXXunathorized and XXXX was XXXX  to a unknown person account at XXXX XXXX XXXX XXXX also unauthorized. We made the report at the bank that day and I we was very confused to find out fraud was still going on because the bank never closed the account XX/XX/XXXX. When we reported the fraudulent activity so the perpetrator was still committing fraud with XXXX  and XXXX XXXX I went back to the back to the bank finally close our accounts XX/XX/2021. I made several reports to get my money back but was not successful. My claims was denied four times for the XXXX dollars that was XXXX. The bank stated after reviewing all relevant internal records and information that I provided, they have concluded that there are elements of my claim that lack credibility and they believe that the transactions that compromised my claim must be considered authorized and they are unable to honor it. I made another report and another report proclaiming that all transactions that I reported was unauthorized and fraudulent but the bank continues to deny my claims. Please help me this was my money that I took out of my XXXX to buy a house so I would like all my money back thank you.

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 2023-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Complaint:
A dispute was closed as part of a recent CFPB complaint with monetary relief resulting in a credit balance on the account on XXXX XX/XX/2023. I called to request a credit balance refund on XXXX XX/XX/2023 as I'd paid the disputed amount pending the outcome to protect my credit. Upon requesting a refund, I was told that the case was still pending and I could not be refunded until it was closed. I asked to speak to a supervisor which I did not get. I got another associate who processed the request. I still had not received a credit balance refund, so I contacted credit card department again XXXX XX/XX/2023 and XXXX indicated that it was denied because of open disputes on the account. I asked for the case number and she replied that she could not find one. Associates continue to suggest I swipe the card to use the balance which I don't have to do and there are few purchases I would like to make without consumer protections which Capital One clearly does not provide.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-05
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION (VA)

Complaint:
Credit Acceptance has repeatedly called me several times a day from several different numbers. disrupting me while i work and causing me excessive stress. this intimidation tactic is clearly harassment, and i am still dealing with the stress of it to this day. 

Credit acceptance willingly and knowingly violated my rights, 15 USC - 1692d

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 2018-01-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Medical Credit Corporation, Inc. (MI)

Complaint:
On XX/XX/XXXX I sent Merchants & Medical Credit Corporation a letter disputing a claim of alleged debt of {$4000.00} by original Creditor XXXX XXXX XXXX I asked for proof of validation per my rights under Under the Fair Debt collection Practices Act ( FDCPA ). I also let them know in my letter that I have been a victim of Identity theft as of XX/XX/XXXX when someone attempted to use my personal information to file my federal IRS income taxes. Since that breach I have been a victim of multiple fraudulent accounts setup in my name ( per my credit reports ). I have also been a victim of both breaches of XXXX and XXXX. ***Please note they are reporting this debt under XXXX XXXX******* My name is XXXX XXXX ! Still with all this information they have refused to provide me with any proof of validation of this debt. I have asked for all of the following below CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
I asked for them to remove this reporting from all 3 collection bureaus. They are still reporting and not have provided any proof

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

Complaint:
I recently pulled my credit report and noticed some unauthorized inquiries and fraudulent accounts on my credit report. I sent out a letter certified mail on XX/XX/ 2021, to Experian asking that they remove the fraudulent accounts. In the letter, I submitted my identity theft report, 3 forms of identification, a notice of furnishers laws, and the credit report showing where Experian had reported inaccurate information. It has been over 30 days and I have not received a response yet. 




Here is a list of the fraudulent accounts that need to be removed : XXXX {$3400.00} XXXX XXXX {$1900.00} XXXX XXXX {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX {$750.00} XXXXXXX/XX/XXXXXXXX XXXX XXXX {$1400.00} XXXX XX/XX/XXXXXXXX {$950.00} 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 2023-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Complaint:
My driver license was stolen and someone from a different state tried to cash a check with my license. It was at a Huntington bank witch I do have. They did not cash the check. But did notify me and adviced me to report it witch I did. And she sent me this web site to add to also.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (CA)

Complaint:
XX/XX/XXXX I mailed collection company certified letters disputing debt and asked to see documents showing that I owe the debt. I received nothing except a bill I sent a second letter XX/XX/XXXX I sent a second letter Based on what The bureau says I should ask regarding debt collection Original furnisher, Contract they own debt etc. 
45 days went by and I received nothing except a bill from them from their client a data furnisher. 
I personally contacted the original company they said that they did not work or deal with debt collectors. And that I was not in a position they could speak to me do to HIPAA This is not proper debt collection or debt validation practices. 
The company also sent me a medical record which was a HIPAA violation My father never signed a release. 

Also my father passed away around that time. I have tried to tell these collection companies this. 
We had the same name. 
I noticed on the bills they had his old addresses on them not mine. I am assuming they did a search and randomly posted addresses to it. 
I can prove this by the attached consumer report from a smaller consumer reporting agency see attached this company ran my name a few times. 
I have not lived in Florida since XXXX My XXXX page can prove that as well. 
Also The medical records sent to me were for someone on life support its quit obvious its a mistake. 
However they have been notified of it and still refuse to remove according to what the law states They have also have had a history of removing and reinserting on my credit report. which is also illegal I should be notified and was never notified i have printed copies of credit reports from past 8 months

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 2022-08-20
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. (TN)

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX account XXXXXXXX XXXX account number XXXXXXXX XXXX XXXX account XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

Complaint:
On XX/XX/22 Experian alerted me of a Hard Inquiry from XXXX XXXX XXXX, I did not apply for. 
Then several other Hard Inquiries start popping up, XX/XX/22 XXXX XXXX, XX/XX/22 XXXX XXXX XXXX XXXX XXXX from XXXXXXXX XXXX XXXXXXXX XXXX XXXX Credit Card, Also on XX/XX/22 Hard Inquiry at XXXX XXXX. My Credit Score is going down so quick. I am trying so very hard to keep my Credit Score to the Max. Paying all on time and extra amounts monthly when I can. 
I have paid over {$200.00} to Experian to lock my credit report companies. Who ever this person or persons are even have my Drivers Licence Number. Experian says My Information is in the Dark Web. I Want Them Stopped Please! Thank the Lord these people have not gotten Money, that I know of right now.

I have been in touch with all Companies. They have sent me letters saying they will remove the Inquiries. But still, how long does this take? 

Thank You for your help, in advance!

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 2019-07-02
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (MD)

Complaint:
XXXX XXXX XXXX sued me for a medical bill that was unpaid. The attorney & XXXX, ( the collection agency ) was the conduit of information as I did attempt to contact XXXX in XXXX Maryland to get resolution. I had insurance at the time of my hospital stay but there was a misunderstanding of where or how the billing was submitted. The bill for about {$1300.00} was denied and that's what the lawsuit was for. In the meantime I missed all their attempts to contact me until they sent a process server who served me with court papers. I had insurance with XXXX and they attempted to process the bill once they had my correct insurance member ID. They currently have pending judgement on my credit even though this has since been dismissed. I sent a certified letter to have this removed from my credit report and it has not been removed yet. Letter was sent to XXXX - XXXX XXXX, XXXX. XXXX XXXX, XXXX DE XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Spring Oaks Capital, LLC (FL)

Complaint:
I received mail on XX/XX/2023 from a law firm indicating that there is a lawsuit against me from LLC Spring Oaks Capital SPV and they would like to represent me. However, I never received any notice regarding a lawsuit being filed. I don't have an agreement nor a contract where I was working with them so I'm not sure who they are or what debt they are trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
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: TOYOTA MOTOR CREDIT CORPORATION (NY)

Complaint:
I got these accounts that does not belong to me and i want it to be remove from the 3 credit reporting agencies. 


1. Identity Theft TOYOTA MTR Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Complaint:
I am not working with any third party credit repair company, I am solely the only person working on resolving issues on my credit report. On XX/XX/2021 I have sent a letter regarding inaccurate and unknown things on my credit report to this day, over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and ignored of my disputes. It has been over 30 days they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
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. (TX)

Complaint:
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

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 non-monetary relief
Consumer complaint received 2019-01-15
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: CAVALRY INVESTMENTS, LLC (AR)

Complaint:
I submitted Calvary Portfolio Services a fraud packet regard a debt they purchased by XXXX XXXX-this account was an account that was taken over by a hacker and I had charges that I didn't authorized on the account that happened over 6 years ago. I submitted the fraud paperwork to XXXX  XXXX but some how this account when to Calvary. They reported to my credit report. 
I did a fraud packet and submitted everything to them-they refuse to remove it off my equifax credit report. I have submitted two disputes and they keep sending back that the account is valid. 
I have attempted to call them and all I get is told that I need to pay the bill. So, I have no choice but to hang up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CT)

Complaint:
I have had an account with Chase Bank for many years now. 
Always in good standing until the Covid-19 crisis. 
Once my account ran into overdraft Chase began to have some personal issue with me and this account. My Stimulus Check was returned for having the wrong routing number although the routing number was provided to me by Chase and was for wire transfers and not direct deposits, this cost me the Stimulus Check as it was returned and then mailed to the wrong address before I could update my file with the IRS. 
Every single deposit made into this account has a hold on it regardless of the source of the check or the amount. As a result Chase has made it impossible for me to function or do business as normal or expected. 
I am forced to have fights with Chase on every deposit and have sited the rules for deposits as per the Attorney General Banking rules for deposits and holds on funds availability to them only to have pathetic excuses and lies told to me before they eventually release my funds as they should have in the first place. The latest issue I was told that the deposit wasn't processed so there was nothing they could do to release the hold although no hold could be placed until the check was processed. ( if it hasn't been processed how could there already be a hold? ) Chase seems to have singled me out and is making my life more difficult at a time when the entire country is suffering with this Covid-19 crisis. They are running me out of XXXX  and in directly into a homeless / poverty position with no regard to the state rules and regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
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. (VA)

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 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 2022-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Complaint:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX BANK Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX CARD Date of inquiry XX/XX/XXXX XXXX XXXX XXXXe of inquiry XX/XX/XXXX XXXX CARD Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXXnquiry Date XX/XX/XXXX XXXX CARD Date of inquiry 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 non-monetary relief
Consumer complaint received 2021-04-27
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. (ID)

Complaint:
These are not my accounts. please remove them from my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC. (TX)

Complaint:
Santander and XXXX are both reporting negatively on my credit bureaus for the same account just different amounts. They are either closed or charged off but show a balance. I was told this is considered Double Jeopardy and have attempted to dispute with them through mail and one account has updated the last payment date to this year when the actual last payment was in 2018. North of these accounts are impacting me negatively greatly. Im assuming Santander is retiring the amount prior to auction and XXXX is reporting after auction. Could you please assist?

Company response to consumer: Closed with explanation