hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2015-07-10
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Complaint:
I have received at least XXXX fake court documents citing Wage Garnishments that have been left at my door. I live in VA and this particular collection company is also located in Virginia - XXXX XXXX XXXX , XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA. The debt dates back to XX/XX/XXXX or earlier. I was taken to court and my wages were garnished for the amount I owed Capital One ( in XX/XX/XXXX ). Now I have a new company contacting me with fake Wage Garnishments. There 's no summons filed with the court and no court case in the court systems listing. They also have an incorrect address for my employer. I 'm sure I 'm not the only person they are contacting for time barred debt. The full amount I owed to Capital One has been paid - they still listing the full amount of the original debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (MA)

Complaint:
Called fraud department on XXXX XXXX 2021 about wallet being stolen now my account is overdrawn a large out and I have nothing to do with it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
In the month of XX/XX/XXXX, my auto loan was reported to have one 30 day late payment to all credit bureaus. This is not valid as the account has been in excellent standing since XXXX. I reached out to the lender and they advised they would correct this before the next reporting date in XXXX, as it was a banking error. I reviewed my credit report today on XX/XX/XXXX and could see the issue has not been resolved and my credit is being affected thus preventing a refinance on my home to provide for my family. This is causing dire stress on myself and I need your help to rectify this matter immediately. My payment for XX/XX/XXXX has reported on time and the creditor is not responding anymore to my written letters and when we call, I am always placed on hold and the call gets disconnected. I pay roughly {$1200.00} a month for my auto loan so this is a surprise.

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 2020-06-11
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: ENCORE CAPITAL GROUP INC. (FL)

Complaint:
Midland funding on XXXX  credit report is a fraud report ... it was deleted by XXXX   for that reason

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Complaint:
The unverified account indicated below continues reporting on my credit report despiteseveral written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against them if they do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX : {$2400.00}.

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 2018-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Complaint:
Hi Im really taken back from by how they are reporting this XXXX card on my credit report they said the did an investigation but if they are following reporting laws they would see they cant report an account late after its closed. And that what they did I have the proof what do they offer me for further damaging 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 explanation
Consumer complaint received 2023-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: ALLIANT CREDIT UNION (NY)

Complaint:
I applied for the Visa Platinum card with Alliant Credit Union. I was APPROVED for the card pending " verification of self employment income '' I provided proof that I have been self employed since XXXX. I was asked why my name was different on the two most recent tax returns. I explained that I had gotten divorced in between the time of filing the returns. I supplied my divorce decree proving that I was no longer married and was using my maiden name. Then I was asked about child support payments and if I could prove I received those payments with 3 months of full bank statements. I have emails saying that I was approved and on XX/XX/XXXX the extension of {$5000.00} was rescinded with little to no explanation. I feel like I was discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (WA)

Complaint:
My daughter is studying abroad in XXXX so we opened a student credit card for her with Chase with a {$500.00} credit limit. This has been her main source of funds for her daily living expenses since she arrived in XXXX 2022. On XX/XX/2022 she made a {$500.00} payment to the card because she was close to the credit limit. Chase credited the account for this amount but did not make the funds available to her. We called multiple times and Chase said the {$500.00} we sent in would not be available until XXXX XXXX, 2022. This is leaving my daughter without the use of this credit card - one that she is heavily relying on for food, travel and other daily expenses- for an entire week! Chase would not tell us why they are holding the {$500.00}. This looks and feels like theft of funds to us. This is my daughter 's money and they are holding it so she can not use it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Complaint:
XXXX account number # XXXX XXXX account # XXXXXXXX XXXX account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX 15.U.S.C 1681 section 602 A.states I have the right to privacy 15. U.S.C 1681 section 604 section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction 15. U.S.C 1681C ( a ) ( 5 ) section states.no consumer reporting agency may take any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime 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 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Complaint:
I don't recognize XXXX around the time of XX/XX/XXXX and appears to be fraudulent, as well as XXXX XXXX around the time of XX/XX/XXXX. Can you please kindly delete these, 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 explanation
Consumer complaint received 2020-12-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Elevate Recoveries, LLC (LA)

Complaint:
On XX/XX/2020 I contacted Elevate Recoveries LLC via certified mail regarding two violations they have made. The bill was in the amount of {$730.00}, therefor I sent them a invoice in the amount of {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Complaint:
I have taken several looks at my credit report and noticed that these companies aren't reporting consistently. there are negative and unauthorized that were removed from one credit bureau but not on all three. According to FCRA these companies are legally supposed to report accurately and consistently. There are also hindering and unauthorized accounts that are still reporting when it shouldn't be. I need these accounts removed please!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
XXXX ; XXXX and Transunion are reporting incorrectly ( 90 ) plus days late on the XXXX XXXX XXXX XXXX account numbers XXXX and XXXX. ( Please see pages 1 and 2 of the attached credit report. ) I have made multiple consecutive payments on these accounts and therefore they should not be reporting any lates. This incorrect reporting is harming my credit score. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful. Please delete these late payments from these trade line items on my credit 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 2021-10-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: PNC Bank N.A. (FL)

Complaint:
I PAID OF MY LOAN, SENT THE PAYMENT VIA XXXX XXXX PNC BANK SIGNED FOR IT. AND TO DATE THEY HAVE NOT CREDITED MY ACCOUNT AND THEY STILL SHOW I AM DUE FOR MY PAYMENT AND THE BALANCE SHOWS UNPAID. I have called PNC bank several times and wait on hold they say for 5 minutes and in 5 minutes the message comes back that they are too busy to talk to me. this is rediculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
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: EQUIFAX, INC. (PA)

Complaint:
I'm asking for a investigation on my credit file I have fraudulently accounts that were obtain in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-27
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: EQUIFAX, INC. (MN)

Complaint:
Attached to this complaint is a police report and identification information for Equifax Office of Consumer Affairs Department to review. The following accounts listed on my Equifax credit report are fraudulent, unauthorized and not my accounts : XXXX XXXX, {$560.00}, and XXXX XXXX  XXXX Credit Card, {$1800.00}. The following accounts/cards are lost/stolen : XXXX XXXX Credit Card, XXXX Credit Card and XXXX XXXX XXXX XXXX Credit Card. The following credit inquiry is fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/2019

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Complaint:
CFPB + Experian, On my XX/XX/2022 I noticed there is an address on my Experian credit report that is not mine - please have that removed asap. 

attached to this complaint are : - my drivers license - my social security number- my address- my letter - screenshot of address where its located Please have this wrong address removed as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC (IL)

Complaint:
In XX/XX/2017 I switch cell phone companies. From XXXX XXXX XXXX to XXXX. I attempted to contact XXXX XXXX XXXX   several time within 14 days of my switching carriers to return the phones from my plan. I was not successful in receiving return labels or getting a call back/follow up from their customer service. The account was sent to collections, I paid the balance of my final bill to the first collection agency that was assigned. I also made the first agency aware my attempts to return the equipment and received no help. The agency was supposed to document the issue and get back to me with a resolution. That never happened, they have now sold the account to this new collection agency. The new collection agency has placed this derogatory mark on credit without attempting to resolve the equipment return issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (NY)

Complaint:
company reported a 30 day late on my account in XX/XX/XXXX during the pandemic in error, they did apologize for the mistake and fixed my 3 credit bureaus, but today XX/XX/XXXX i logged into my account and they changed my account credit limit from {$5900.00} to {$750.00}! Even though they recognized they messed up and cleared it, they reduced my credit limit as if I was a delinquent client.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monarch Recovery Holdings, Inc. (NY)

Complaint:
I moved out of my apartment on XX/XX/XXXX. Responsibility for gas service ended on that date. XXXX XXXX sent me to collection for {$190.00} for XXXX XXXX. I wrote to Allied and sent a letter from XXXX XXXX where they took responsibility. I sent a letter on XX/XX/XXXX with the back-up and Allied did not respond and this month it appeared on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC (CA)

Complaint:
I called XXXX and XXXX to get a balance letter emailed to me and they said it they could not at the time but yet my balance is at {$0.00}. They stated I have to wait for it. Its been over a week and have not received. I need these off my report. The balance is at XXXX on both accounts. They are not willing. XXXX was for XXXX XXXX XXXX was for XXXX XXXX  XXXX acct

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CARRINGTON MORTGAGE SERVICES, LLC (MA)

Complaint:
CARRINGTON PULLED A CREDIT REPORT ON ME ON XX/XX/XXXX THEY HAVE NO PERMISSABLE PURPOSE TO PULL A REPORT. 
ACCOUNT WAS DISCHARGED IN BANKRUPTY IN XX/XX/XXXX.AFTER XXXX NO ENTITIY HAS A LEGAL RIGHT TO PULL A REPORT ON ME, I DO NOT HAVE AND ACCOUNT WITH THEM ALSO WHICH MAKES IT EVEN MORE ILLEGAL.STRIKE INQUIRT=Y FROM MY REPORT COPY BELOW FROM XXXX CARRINGTON MORTGAGE SERV XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX ) XXXX Requested On : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

Complaint:
My Synchrony 76 Card account was closed in XXXX of 2021 despite onetime payments, I can only guess for lack of use during covid lockdowns. However, they did not report this to any credit bureau and continued to apply interest and fees for an account that was closed for another 10 months. I eventually settled for {$400.00}, {$100.00} more than my balance when my account was closed, and they show late payments for following 10 months on my credit report. When they settled with me they claimed my account was still open until XX/XX/2021, which was untrue.

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 2023-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-27
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. (WA)

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX placed hard inquiries on XX/XX/2021 and XX/XX/2021. I have not requested nor applied for credit with XXXX in the past 2 years. I contacted Experian on XX/XX/2021 to request the removal of such inquiries and they said I needed to contact XXXX directly. I contacted XXXX on the same day and submitted an investigation into such inquiries. I never received any answers from XXXX and the hard inquiries still show on my report. 

Then on XX/XX/2021, a new credit card from XXXX was added to my credit report ( date opened : XX/XX/2021 ; credit limit : {$5000.00} ; balance : {$32.00} ). Again, I have not requested nor applied for credit with XXXX in the past 2 years. I contacted XXXX again on XX/XX/2021, they said they could not find such new credit card under my name but have not been able to get the credit card and the hard inquiries from XXXX and XXXX removed from my credit report. 

Attached please see Experian report with the disputed account and hard inquiries highlighted in yellow.

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 2022-05-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cawley & Bergmann, LLP (NJ)

Complaint:
I settled a debt with XXXX XXXX bank through a collection agency in XX/XX/2018. I received a collection letter from a new collection agency out of the blue 2 weeks ago. They have no knowledge that this debt was paid or XXXX shows any records of it paid. I am attaching a copy of the original debt, proof of payment and copy of the new collection agency 's letter 5 years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (CA)

Complaint:
On XXXX XXXX, XXXX  the merchant XXXX issued me some refunds in the amount of {$99.00} {$49.00} {$69.00} {$4.00} {$9.00} {$59.00} {$49.00} {$49.00} {$99.00} {$1.00} {$9.00} {$49.00} = {$550.00} on XX/XX/2023 my checking account was closed and Im trying to contact the bank via email and phone calls and all they tell me is my account is closed nothing about my funds that were refunded to me by the merchant. I need my money and when will I get it. Then on XX/XX/XXXX XXXX the merchant also issued me a refund for the amounts of {$19.00}, {$9.00}, {$1.00}, {$4.00} and on XX/XX/2023 are {$24.00}, {$24.00}, {$39.00}, {$39.00} a total of {$160.00} but my bank account is closed so where is my money at or whats happening to it and they wont provide me with no answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Complaint:
On XX/XX/23 I noticed 2 charges from XXXX on my Bank of America Visa credit card. I did not make these transactions, and I opened a fraud claim with the bank ( claim XXXX ). 

The bank subsequently informed me that they were closing the account. 

On XX/XX/XXXX, while attempting to get some status on the claim, the Fraud department notified me that a payment was due, so I made a payment of {$1200.00}. 

On XX/XX/XXXX, I received the attached notice from the bank, stating that I had confirmed that the charges were no longer in dispute. This is factually incorrect. 

I have never received a final statement on the account, for the charges in the last payment. I can not reach the bank through online or phone channels, so I have mailed a letter to the bank requesting them to re-open the claim and send me a final statement.

Company response to consumer: In progress