hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Complaint:
I live in a poor neighborhood, and Wells Fargo has abandoned my neighborhood. This is an act of XXXX XXXX XXXX XXXX 

My neighborhood branch of Wells Fargo XXXX XXXX XXXX XXXX ) has not been open for over a month. As of XX/XX/2022 the ATMs at my neighborhood branch are out of cash. I spoke to the following Wells Fargo reps on the telephone on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX None of these reps stated that the problem would be resolved. All three reps advised me to travel to another branch when I need to use an ATM.

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 2017-05-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc (GA)

Complaint:
This company is coming after me for a debt that does not belong to me. I asked for validation with a signed contract and from what company I was sent a receipt from an institution I did not attend. I am am a victim of indetity theft and this debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
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: JPMORGAN CHASE & CO. ()

Complaint:
I submitted a fraud dispute back in XX/XX/XXXX for a unauthorized charges I did NOT make. However, in XX/XX/XXXX, I received a response from chase stated that I have to be responsible for the charge. THe detail of the transaction is listed as below : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Paypal Holdings, Inc (SC)

Complaint:
PayPal continuously contacted XXXX XXXX about a debt before XXXX as well as informed her of an amount and what actions they are going to take against me. I am understanding that they continue to communicate with her even after she stated she wishes to no longer be contacted. I have never used her information with PayPal. She is simply a family friend who I sent money to, without issues or incidents, using PayPal services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Complaint:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. The inaccurate information about my account is still on my reports. Therefore, Equifax 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
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: Harris & Harris, Ltd. (IL)

Complaint:
XX/XX/2020 HARRIS & HARRIS, LTD Agency number XXXX has placed a debt on my credit file fraudulently and it is negatively affecting my credit. I have written this collection agency numerous times asking for VALIDATION of this debt with no proper response to my request under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }. The amount that is said to be owed is  {$150.00}. I have no knowledge of this debt or have never entered into any agreements with this company. I would like for this tradeline to be removed from my credit file as soon as possible. The original creditor number that is listed is XXXX. 
This erroneous and illegal tradeline is damaging my credit greatly! Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CO)

Complaint:
On XX/XX/XXXX, I paid my credit card balance off in full. Previous to this date I paid my card on time every month. On XXXX, I was hit for a finance charge of XXXX. Given that my card was paid off, I should not have acquired this charge. I was not notified of a balance due through mail or by phone and was not aware of a charge until earlier this month after purchasing a vehicle. I then paid XXXX and sent an email immediately to my company apologizing and asking them to waive the fee. I then went to purchase an item yesterday and found out I have been reported to the credit bureaus for being 90 days past due on my account. I immediately called my credit company to find out what I could do to resolve this. After looking further into this I found I was hit with 2 late fees and interest accrued to XXXX. I was told by the supervisor there was nothing I could do. I am stuck with a ding on my credit report after being charged a finance charge on a balance that I had previously paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
I am on SSDI fixed income i am XXXX looking for a place to live. I had a secured CC $ XXXX limited.i used it to build my credit after transunion erased my history because I tried to change my address to correct after giving all kinds of proof they said ok but now you have no history so I spent around $ XXXX building got it to XXXX well I am looking into home purchase I needed the $ XXXX secured to CC with XXXX I will get a new card unsecured use the money for down payment. As soon as I paid off CC closed it to get different card put XXXX in savings. I have know debts. But transunion dropped my score 68 points putting me from good XXXX to a borderline poor/fair for paying off card. Now I can't get the new card and no chance of buying anything not only that but they erased my XXXX years of perfect payment so I have no chance of doing any of my plans to find a place to live they screwed me royally just like wen I asked them to use correct address they erased everything. The first time I had financed a truck and motorcycle but they erased that that history was 10 yrs at least. They still won't change my phone num, not wat they have on file. BECAUSE I PAID OFF MY ACCOUNT TO PURCHASE A HOME THEY DROPPED MY SCORE 68 POINTS ERASED MY PERFECT 11/2 YRS OF PAYMENT HISTORY. LEAVING ME W POOR CREDIT AND NO HISTORY THEY WOULD RATHER ME LEAVE $ XXXX ON CARD PUT IT IN A DRAWER RATHER THAN USE IT TO BY A HOME I CANT AFFORD TO LEAVE $ XXXX SITTING IN A DRAWER TO MAKE THEM HAPPY. Now I have no chance of purchasing home can't get new card because now it has to be secured again I need that cash to live on I am basically screwed no home no CC all because I paid off my card. I am so mad I am looking into an attorney to file a law suit. Who governs these co. That who I need to talk to.they also kept derogatory info on account for 3 yrs after equifax removed transunion finally cleared after 3 disputes messing w my credit that whole time keeping me low points. I am out for blood I will do wat it takes file wat ever I have to testify in court they are screwing up my well being especially during covid I have been working on this for 5 yrs and gone in one day all the money I spent to get my XXXX just to purchase a home all history now thanks to trans union. I will be working up corporate ladder someone will eventually listen starting with XXXX XXXX and XXXX XXXX offices. If you have any leverage I thank you like to settle out of court but I am in for the long haul someone needs to make an example for others I know I am not the only one. And to do during Covid that takes a real dirt bag of a co. To do that EXTREMELY 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 2021-03-14
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: BARCLAYS BANK DELAWARE (CO)

Complaint:
I have never applied for credit with Barclays Bank. I was in XXXX XXXX  in 2016. I would never qualify for credit. I do not have any or applied for any credit at my age. Again, I have never entered into any formal agreement with this bank. I demand this information be deleted immediately. I am also notifying the Colorado Attorney General 's office. This matter is causing me tremendous emotional grief and distress. 

Thank you for assisting me in this matter.

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 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Complaint:
I changed bank accounts after experiencing a fraudulent charge that my bank wasn't willing to fix. Shortly after I opened and funded my new account, I contacted XXXX and asked them to please send me a way to pay my account. They sent me a link that wasn't working to make a one-time payment. I then tried to log in today and update my bank account ( this is the 4th time since XX/XX/2022 ) and again it does not allow this. I then emailed yet again to ask for a way to fix my account. I was able to click the link and make a payment today, but the company has added late fees to my account and reported my account as 90+ days past due. My account is past due and over the limit only because they will not allow me to make a payment or update my information. Included is proof of my initial email and my payment confirmation.

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 2023-08-08
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. (AZ)

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

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Health Care Financial Services, Inc. (OH)

Complaint:
i verified that the debt was wrongly billed to me with XXXX hospital and they stated it should have been removed in XXXX and that it would be removed. they stated this on XXXX/XXXX/XXXX. i just checked and it still remains on XXXX/XXXX/XXXX on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (NM)

Complaint:
On XX/XX/XXXX I received a call from Wells Fargo Bank XXXX. to finish up the process of opening a checking account for mine and my wife 's business. We are currently XXXX  due to our last landlord in XXXX, New Mexico being Condemned by the City of XXXX on XX/XX/XXXX due to the landlord neglecting to keep up with city codes and regulations for buildings by maintaining the maintainence on our apartment and there was a hole in the ceiling and floor as well as XXXX all over the place and we won't have another place to live until XX/XX/XXXX so we live in a XXXX XXXX day to day until then. Well we gave the bank our mailing address due to that as our address because it is our only address right now. We told the bank that our mailing address is our only address right now due to the reason we mentioned above in this complaint and they flat out told us " XXXX  shouldn't be allowed to own a business & definitely shouldn't be allowed to have a bank account let alone a business banking account. And it's bank policy if you don't have a home address we can refuse to open an account coz you have to have a home address not a XXXX XXXX period so because your XXXX  we are denying your application for a business bank account and your barred from getting an account from Wells Fargo ever again due to you being XXXX We will be deciding to close out yours and your wife 's personal accounts as well coz your XXXX isn't welcome to bank with us.

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 2020-09-24
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:
Equifax is still reporting my XXXX XXXX  account incorrectly I have recieved letters from XXXX   XXXX XXXX  stating I was not late in XXXX and that my current balance is XXXX and for some reason equifax keep trying to put my balance higher and still have not removed the late payment for XXXX ... I would like this corrected immediately on my credit report on equifax .... I have made two payments since XX/XX/2020 and it still says last payment XX/XX/2020 XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Complaint:
According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. This a violation of my rights. In accordance with the Fair Credit Reporting act XXXX  Account # XXXX # XXXX # 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 a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
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: EQUIFAX, INC. (IN)

Complaint:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MN)

Complaint:
We filed and were approved for forbearance by our previous mortgage company ( Rushmore Loan Management Services ) and while in Forberance in XX/XX/2021 our mortgage company reported that we had a late/missing payment for the month of XX/XX/2021. Since then, I've spoke with MULTIPLE people from the company who have assured me they made a mistake and will get it fixed and it CONTINUES to not be fixed. I've lost XXXX points on my credit score with XXXX and when I talk to them ( which I have multiple times ) they tell me to file a dispute and it's been rejected I think 3 times now EVEN after Rushmore tells me it'll be fixed. Don't know where else to turn but Rushmore is not getting it fixed and has even rejected to return my calls the last 2 times I've talked to a manager. 
I also have a file I'm attaching SHOWING they've admitted they were wrong about this situation but still haven't gotten it fixed even after assuring me numerous times they would.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
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. (CA)

Complaint:
This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX AV XXXX, CA XXXX XXXX XXXX XXXX AV XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$870.00} XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$320.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$290.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$320.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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

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 2018-08-04
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: PCS Receivables Corp. (NV)

Complaint:
As soon as it appeared on my account. They company agreed to take the reporting off my credit since I showed proof of being a victim of identity theft. But keep placing back on my account using an different creditor.

Company response to consumer: Untimely response
Consumer complaint received 2018-08-04
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. (NJ)

Complaint:
I contacted the bureau and creditors many times about how and why this information is on my credit report I have not business with any of these accounts. Im XXXX from XXXX XXXX. I ca n't drive and I don't apply for loans I'm on a fixed income here. please help remove this information from my credit please.They don't listen to me ever. XXXX bless XXXX XXXX XXXX Status Closed Balance {$1600.00} Type Collection Payment Status Late XXXX   XXXX XXXX Status Closed Balance {$1700.00} Type Collection Payment Status Late Do you see errors in your report? SEE OUR DISPUTE GUIDE XXXX XXXX XXXX Status Closed Balance {$0.00} Type Installment Loan Payment Status Paid XXXX XXXX XXXX Status Closed Balance {$4000.00} Type Installment Loan Payment Status Late XXXX XXXX XXXX CO XXXX Status Closed Balance {$16000.00} Type Installment Loan Payment Status Late XXXX XXXX XXXX XXXX Status Closed Balance {$7100.00} Type Installment Loan Payment Status Late XXXX XXXX XXXX XXXX Status Closed Balance {$0.00} Type Installment Loan Payment Status Paid

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 2023-03-08
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. (FL)

Complaint:
The unverified accounts indicated below reporting on my credit report, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be updated immediately for they are greatly harming my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (VA)

Complaint:
I was given a retention offer of XXXX XXXX miles on XX/XX/XXXX. It is now XX/XX/XXXX. I have called five times, been on hold/asked about this for a minimum of 6 hours, to be told today " it is a known problem and we are working on it. '' Please give me what you said you would give me without me having to call five times ( and still not have it ).

Company response to consumer: Closed with non-monetary relief