hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-06-30
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:
Company could NOT verify this account belongs to me. Two other credit reporting agencies REMOVED this account. This account can NOT be verified, as I was NOT on the lease anymore when this collection was created for an old roommate. This is fraud and needs to be REMOVED. 

XXXX XXXX  {$7700.00}

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 2021-07-25
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. (AZ)

Complaint:
There is a 30 day late payment that is not correct and 2 inquiries I did not authorize and Most importantly a chapter XXXX bankruptcy that I did not file

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 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

Complaint:
XXXX XXXX Equifax mortgage XXXXXXXX XXXX have put credit hard inquiries on my credit report that I gave no permission to and not responsible for. EQUIFAX REPORT XXXX XXXX Has put a credit inquiry on my XXXX REPORT IM NOT RESPONSIBLE FOR XXXX  XXXX XXXX and XXXX XXXX XXXX Has put inquiries on my account Im not responsible for I ask all be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: R & B Corporation of Virginia (AZ)

Complaint:
They called a family member, who has no association with the account in issue whatsoever, and aggressively got into specifics about exactly what amount ( s ) are/were owed, when, what adjustments were made, etc. I told them this was not acceptable, and they told me they can continue to call her to attempt to collect this {$9.00} ( arguably invalid ) underlying debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Complaint:
On XX/XX/2018 Capital One Bank falsely reported negative inaccurate account information to Credit Bureau agencies adversely affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
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. (FL)

Complaint:
You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2017-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (NY)

Complaint:
I am trying to refinance my house but when I pulled my credit report I noticed that my chase credit card is saying that i missed a credit card payment in XXXX. I never missed a payment since i opened the card in 2014. I told Chase that I did not receive the bill but they wont listen to me. I researched on XXXX and the fair credit reporting act says that all information on my credit report must be accurate. This is causing me so much stress and money. Please tell chase that they can not do this to people. 

it is showing a 30 day late payment in XXXX showing on all 3 bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (CT)

Complaint:
I keep getting phone calls looking for a XXXX XXXX ( not me ), and when I ask them to stop, they do n't. I got XXXX company XXXX XXXX XXXX XXXX to take me off their list, but others are calling now. A company called Convergent Outsourcing , Inc. is calling and hanging up when I pick up the phone. When I call them, I 'm out on hold to speak with someone. I told them once to remove my number, but I keep getting the hang up calls, and when I called back, I spoke with an XXXX who said my number was not in their database.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: GOLD KEY CREDIT, INC. (OH)

Complaint:
On XX/XX/2018 I received a call from this company. The representative stated their name, I have since forgotten the name. They hung up before stating any information regarding the call - simply their name and they hung up. 

I subsequently called back to see who was calling me. It is rare for me to get a random number calling. I got the same person, and said you just hung up on me - what were you calling about? She then asked who I was. I told her that I just received a call from her number, and the person identified themselves with her name. I'm not sure if the call is for me or not, but I was trying to find out. She said that until I was ready to identify myself on the phone she couldn't help me, and hung up. 
I called again, and asked for a manager. The person that I spoke with this time said that someone could call me back. I stated that I could hold. She said that they don't transfer calls there. So I explained that I am trying to understand the nature of the call that I am receiving. By this point, I had at least been able to XXXX the company to know that they are in fact at least a company with a website, but nothing that I have any knowledge of business with. I gave her the phone number that they called, and the representative confirmed that they were in fact calling for me. I identified that I am in fact the correct party and how can I help them? She then says she can't tell me why she is calling unless I provide my address and date of birth. WHY would ANYONE ever give an unknown person at an unknown company their address and date of birth when they have no knowledge of who they are or why they are calling??? I replied that she does not need that information and again asked how I could help. She refused to speak with me, and I requested no further calls from them as they refuse to state the purpose of their call. 
Upon arriving home I had a letter in the mail from Gold Key Credit. The letter informed me to the purpose of their call. My concern is that due to the extremely unprofessional manner in which they handle themselves, I instructed them to never call me again. A balance could of ended up reported to my credit, simply because the employees are to inept to identify the purpose of their call prior to asking for key personal identification information that most people will not provide without any knowledge of why they are providing such information. Since their managers don't take calls, this is the only avenue remaining for me to voice my concern.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-12
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. (TX)

Complaint:
I am a victim of identity theft. XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX have reported fraudulent info on my consumer report that need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
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: EQUIFAX, INC. (GA)

Complaint:
XXXX and Experian Inquires that are not mine 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Experian Information Solutions Inc. (CA)

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

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 2021-08-30
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WV)

Complaint:
Equifax participates in willful, ongoing and repeated failure to provide any real response to inquiries, disputes and requests for information. I exceed the identification requirements each time I submit a request, yet they continually send responses that request identification, despite that information being provided already. The law requires their timely response. Their responses are as ambiguous as possible, not referencing which dispute they are responding to, and basically sending a form response that means absolutely nothing and provides no useful information or feedback on any given dispute. From this point forward, all disputes will be cc 'd to the Attorney General 's office and legal counsel for review. How many complaints like this will it take for CFPB to correct the issues, instead of just counting on the companies to comply with law? Clearly the companies are not interested and don't care about compliance, so consumers submit complaints to CFPB, thinking it will make a difference, but yet the companies continue with their non-compliance, without consequence. How long do consumers need to put up with this level of abuse of power? These companies hold an enormous amount of power of consumers and can and do affect livelihoods, and they need to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
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. (TX)

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2022-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Complaint:
I have had a capital one credit card since XXXX. On XX/XX/XXXX I advised capital one that I needed to buy urgent medication for my child in California. The closed my credit card. I immediately sent capital one my drivers license to prove its me. The employees were super unprofessional and non accommodating to help me remove the restriction. Finally XX/XX/XXXX I sent my drivers license again and again and it was Re opened. XX/XX/XXXX I paid my balance in full {$720.00} before my due date. XX/XX/XXXX they sent a letter to my moms address XXXX XXXX w non signature informing me they closed my card and I was rude. Today XX/XX/XXXX XXXX XXXX  informed me they lowered my credit capital one by closing my account and put a permanent remark about me to XXXX for 10 years. This capital one is unreal theyre rude unprofessional and did illegal things to me. Theres a class action lawsuit against capital XXXX XXXX dollars and XXXX XXXX customers were affected by their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Specialized Loan Servicing Holdings LLC (FL)

Complaint:
Good day Sir /Ma'am, I took out a second mortgage on my home in XX/XX/XXXX with XXXX mortgage for XXXX. After paying almost 2 years on it at XXXX a month my family succumb to financial hardship due to my illness from XXXX. At this time we choose to modify my first and second mortgage through XXXX  XXXX XXXX. I was face to face with the XXXX reps when the modified both and signed agreements. In XX/XX/XXXX years later XXXX DEBT COLLECTOR said I owed XXXX for the second mortgage. After calling around skip tracing, contacting family members, belittling me and wife, and calling weird hours of the day. I finally made a complaint with CFPB. Then for a minute or two we had peace of mind. Then in XX/XX/XXXX we got transferred SPECIALIZED LOAN SERVICES. This company not only add interest back from XX/XX/XXXX till now but, they send both me and my wife FORECLOSURE notices just last week in XX/XX/XXXX for XXXX. Interest fees, late fees, service fees and I am assuming lawyer fees as well. As I look on my county record dept. website I dont see a thing. Ever since XX/XX/XXXX do I see anything referring to a second mortgage. No tax or irs papers for interest, nothing on any of my fica example ; equifax, experian, or transunion. In XX/XX/XXXX I ask them to stop calling me everyday and stop the mass mailings. They continue to call even up to today I block there many number several times. I am not sure if my STATES STATUTE OF LIMITATIONS apply in my case after the barrel rolled the time.Please we need clarity before we lose our home. HELP!

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 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

Complaint:
I have sent multiple letters to all 3 credit bureaus regarding this INACCURATE information on my report. The company that they all told me that verified the bankruptcy sent me a letter stating that it is inaccurate and I even went to the court house to get a letter and it also states that they have no information. XXXX  is lying and violating my rights as a consumer.

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 2019-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

Complaint:
I have been in contact with Experian and XXXX many times about identity theft and have provided them with police report and ftc report stating the identity theft and they refuse to remove accounts and when I ask them why they keep saying they verified it and tell me the reason is internal information and the representatives are very rude on Experian there are two accounts reporting that are not mine XXXX XXXX and XXXX and on XXXX XXXX accounts reporting i would like these accounts removed and any other fraudulent accounts that are reporting ASAP

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (OH)

Complaint:
I accidentally sent XXXX to the wrong chime account and now chime is claiming that they can't retrieve the money or send it back. I have contacted the person multiple times but haven't complied. Chime want do nothing about it or give me my money back or help reach out to the chime account holder to give it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (TX)

Complaint:
I was logged into my XXXX XXXX account and saw a pre-approval offer for a credit card. I filled in my Name and Address ONLY and clicked to the next screen, I was not notified at all that I was filling out a credit card application. There was no warning or no disclosure. Now I have a hard inquiry on my credit report that I would not otherwise have ever asked for. This was very misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Complaint:
On XX/XX/XXXX I called Bank of America and had my account to be closed. A direct deposit was submitted on XX/XX/XXXX for the amount of {$100.00}. On XX/XX/XXXX I received an email stating that the account was closed. On XX/XX/XXXX I contacted Bank of America located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX and spoke to a representative, he stated that he can not help because the account was closed and to contact customer service. I made several attempts to contact customer service, the first time I was placed on hold for a half and the second time an hour

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 2018-10-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Health Care Financial Services, Inc. (TX)

Complaint:
After looking at my credit report in XX/XX/2018 I found a medical debt on the report I did not recognize. I sent the debt collector a Demand for Verification by Certified mail Return Receipt demanding verification. The debt collector did not respond within 30 days. In fact they still have provided no verification. I spoke to a representative of the company on XX/XX/2018 and asked where the information was being sent. She informed me that the letters were being sent to an address I did not have and have not had for over two years. In the validation letter my address appears in BOLD print on all 3 pages and under the signature. Yet they did not respond to that address. They did not list the debt as disputed on my credit report during the validation period. I spoke with the President of the company and I explained that his company failed to respond and asked that the report be removed from my credit bureaus reports. He stated he couldn't do that.

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 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK (OH)

Complaint:
I opened a montage with XXXX XXXX in XXXX of XXXX. Never been late. In XXXX of XXXX I took advantage of the Covid Relief program. From XXXX of XXXX to XXXX of XXXX I was in the program. I was contacted by Midland Mortgage around XXXX or XXXX of XXXX, letting me know that my loan was sold to them. We made arrangements that I will come off of the Covid Relief program on XX/XX/XXXX. I made a full montage payment of XX/XX/XXXX, another full payment in XXXX, XXXX and XXXX. I sold my home in XXXX and on XX/XX/XXXX the title changed to the new owner. My loan was paid in full on the date and I was issued a check for what was left over. At that point my credit report was fine as it pertained to my mortgage. They didnt mark me as late or on time. XX/XX/XXXX I checked my credit report and Midland had reversed my covid relief status and thus making my forbearance period I had the previous year all delinquent. This is one of the promises of the program for homeowners not to get adverse credit reporting due to the pandemic. Not only have I never been 30 days late on my montage, this bad credit reporting all happened after I paid my mortgage off. On top of that, Midland is reporting 3 different things on the 3 major credit bureaus. All showing I have a balance with them although I dont have a balance. Midland wrote me a check for over $ XXXX on XX/XX/XXXX for what was owed back to me.

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