hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2020-04-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (NM)

Complaint:
Medical Data Systems Inc. reported a collection account that was previously paid. I called the company at XXXX. I spoke with someone named XXXX, but she refused to disclose her identity beyond her first name. I was directed to XXXX XXXX, the manager. He refused to give me any sort of straight answer while I was speaking with him over the phone. I asked him about the status of the account, but he was unwilling to answer why the account was still listed as open despite the debt having been paid. I requested an account statement or a statement of XXXX balance, but he told me that he was going to give me the phone number of the legal department or hang up. He started counting from 1 to 3, then proceeded to hang up. There was no legal reason for him to have hung up the phone. I retained a copy of the call recording. I was polite, courteous, and professional with him. He was yelling at me while we were speaking. He refused to address the problem. After he hung up, I called back and left a message on his voicemail informing him that I would be filing a complaint here. I have not heard back from his office.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
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. (AL)

Complaint:
I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than XXXX business days after the ( date of the Previous letter ). Ive already included this in my previous complaint & I am including it again., 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 AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVI XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-18
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: EQUIFAX, INC. (FL)

Complaint:
I HAVE UNAUTHORIZED INQUIRIES AND AN ACCOUNT THAT IS NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
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. (GA)

Complaint:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$47.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$2100.00} XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$3800.00} XXXX XXXX ), XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$330.00} XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$530.00} ), XXXX ( Date Opened : XXXX XXXX, XXXX Balance : {$3800.00} XXXX XXXX XXXX, XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$2100.00} XXXX XXXX XXXX ), Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CNG FINANCIAL CORPORATION (TX)

Complaint:
This company has been calling repeatedly daily ( 4x today and I have spoken with them 4 times ) and called my husband, my mother and my father today and left voicemails with each of them. They are threatening that they are filing a case against me and going to send the sherriff to my job and home. XXXX told me I would not be able to purchase a home or car in the future due to this. I know this is not true and know it is harassment. The phone number they are calling from is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (CA)

Complaint:
My wife handled all of our bill paying up until she died last XX/XX/XXXX. Recently I was told by a woman I had hired to help me with legal services that she was going to serve my work with wage garnishment papers. I asked her from who, about what? Why would my wages be being garnished. She refused to tell me so I looked up my court record and my credit history on XXXX XXXX. Apparently since XXXX several credit companes and companies who bought debt from credit cards have been taking me to court over credit cards in my name. I was not aware of any credit cards in my name. I have not taken any out. Clearly my wife XXXX XXXX, or my daughter XXXX XXXX, mustve taken these cards out in my name, ran them up and hid the statements from me. My wife always got the mail, I never even had the mail key til she died. Now I am getting stuff from companies and I dont even understand what it all is. All I know is that I did not sign up for any credit cards. So all of them were taken out by someone in my name. The companies I found on my court record that have apparently gone to court over this debt are : XXXX XXXX XXXX ( bought debt from XXXX ), XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. My credit report says these companies I also have debt with despite me not taking out cards or loans with them : XXXX, XXXX XXXX Co, and XXXX XXXX XXXX. Please investigate these fraudulent accounts and see who actually took them out in my name.

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 2017-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TCF NATIONAL BANK (AZ)

Complaint:
TCF is failing to report my banking information to a company that I use to access funds in a timely manner. The delay in providing information is creating a delay I need to access funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Complaint:
Hi To whom it may concern I gave my debit card to my mom to deposit XXXX dollars into my checking account of capital one 360 bank She deposit XXXX dollars first and got the receipt Then she insert XXXX dollars into atm and atm took money inside and didnt count or gave any receipts or didnt show any error. 
I called the bank to file a claim And next day i went back to bank branch and it was temporary closed due to covid19 It is still closed at of it now after 40 days. 
They returned XXXX temporary but took it back saying there is no record of you depositing Money into atm and you dont have any receipts to substantiate your claim I dont know what to do as the bank saying our investigation is closed and we cant open the investigation again There are cameras inside the bank and the first receipt of deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (NY)

Complaint:
The credit card company allowed charges on my card in excess of the credit limit. Over double the limit. They didnt notify me or decline the charges. And they were made by authorized use. 
Barclays Bank XXXX credit card. I have closed the account and am disputing charges over the limit.

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 2018-04-12
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Roosen, Varchetti & Olivier, PLLC (GA)

Complaint:
I was the victim of identity theft from XX/XX/XXXX-XX/XX/XXXX. As a part of the identity theft, private student loans were obtained. The company representing the loans is XXXX XXXX XXXX XXXX XXXX. The private student loans were opened up in XX/XX/XXXX. I was made aware of the fraud in XX/XX/XXXXand filed a police report with the XXXX XXXX XXXX XXXX in XXXX, Georgia. I signed all the appropriate affidavits..some multiple times. I received a call in XX/XX/XXXX from XXXX and told the gentleman my story, he admitted some notes were there noted fraud and he would open a dispute. The next time I heard from them was XX/XX/XXXX, when the Sheriff came to my door with papers for a Judgement Claim from XXXX! First off, the loans are FRAUD, and they know it! Secondly, if they were mine it is past the Ga Statue of Limitations to file such a suit. I hope you can help me because this is making me physically stressed and Im currently a high-risk XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (DC)

Complaint:
On or around XX/XX/2021. Citibank closed both of my line of credit due to my recent complaint with the cfpb. ( See resolution letter ). 

Im currently disable with social security income. Closing my account because I reach out to the cfpb will be a hardship to my life as I look for an apartment with a section 8 voucher from HUD. 

It is very clear the the account was closed due to readdressing under the 1st Amendment to the Constitution.

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 2017-12-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC (NC)

Complaint:
I received several calls from this company, Direct Recovery Services claiming to take " legal action '' against me. After speaking to a rep named " XXXX '' I told her I did n't want to discuss this and I terminated the call and she immediately called me back telling me that she needed to verify who I was and needed more information. I advised her that she was not allowed to call me back after I hung up on her because she was with a third party collection agency. She kept stating she needed to verify the info, I advised her that I would submit a complaint and she did n't care.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Complaint:
On XX/XX/2022, Capital One Auto Finance reported a hard inquiry on my credit profile with the 3 credit reporting agencies : XXXX, XXXX, and XXXX, without my written authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (DC)

Complaint:
WellsFargo Bank concluded my account to be declined another distribute a account beginning with man dealing social security functional account to do indigent shopping distribution of faux cd 's money better if not there.

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 2021-06-27
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. (IL)

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Complaint:
Accounts are more than 10 years old but still 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 2021-11-29
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: JPMORGAN CHASE & CO. (NC)

Complaint:
I have previously filed a complaint with CFPB, XXXX and with Chase. They told CFPB that they refused my fraud claim due to similar IP address although I just called and tey told me over the phone that they refused my dispute due to the fact I was able to login and access my account and because I made payments on the account which is not the same reason they gave CFPB. 

It is obvious that Chase is trying to use tactics to instead abuse their clients rather than adhere to the laws and benefit their customers in a clear fraudulent case. I will be attaching the voice recording to this complaint. 

It seems that Chase is blatantly trying to avoid being held responsible for their lack of security and trying to place the down fall of it on their customers rather than protecting them. 

I hope that CFPB takes this serious and helps to keep the consumer protected. 

PS : It says I can not upload documents over 10 mb and my audio recording is over 10mb. 

I can send this via email if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Complaint:
AFTER REVIEWING MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ITEMS THAT HAVE CAUSED SEVERE DAMAGE TO MY CREDIT FILE. THESE ACCOUNTS ARE REPORTING INACCURATELY AND I WANT TO REQUEST AN INVESTIGATION INTO THIS MATTER TO HAVE THOSE ACCOUNTS PERMANENTLY REMOVED OFF 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 explanation
Consumer complaint received 2021-01-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc. (TN)

Complaint:
I get calls 2-3 times a day from NCB MGT SRV INC with different numbers, like XXXX or XXXX. No message is left and noone speaks if I answer. 
I looked on line to determine what the letters meant and found it was a debt service. 
I do not have any outstanding debts and see no need to be harrassed by the continual calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Complaint:
There were two dismissed Bankruptcies that were on my credit report that I have disputed to be removed according to the Fair Credit Reporting Act, Section 1681 ( a ) ( 5 ). TransUnion has removed one of the dismissed Bankruptcies, ( XX/XX/2020 ) but has failed to remove the other. The Bankruptcy that needs to be removed is docket number XXXX. I don't understand why they removed one and not the other when in fact there is no difference.

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 2023-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
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:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Complaint:
All of the credit reporting agencies ( XXXX, XXXX, XXXX  ) except TransUnion have removed a student loan that was full of fraud until it was finally approved for XXXX Discharge in 2013 and closed. TransUnion refuses to delete or remove the loan. They also continue to re-post a phone number disconnected 3 years ago. 

How can I get TransUnion to remove the student loan, an old disconnected phone number, and old addresses? All of the other credit reporting agencies have done this voluntarily.

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 2021-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (TX)

Complaint:
My Husband, XXXX XXXX, applied to multiple Credit cards companies without my knowledge. He financially abused me and did not let me have access to see the debt on the credit cards. We are in the process of a divorce now, and I discovered all these cards under my name after filing for divorce and checking XXXX XXXX. I have filed a police report that is attached. I have filed fraud for the cards as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (TX)

Complaint:
I need to activate my debit card, tried to do it by the automatic phone call and was not possible because I dont have Social security number. Then I request to speak with an agent to activate the card and after 4 transer adn more than 1 hour on that the robot said the expected waiting time is more than 1 hour 15 minutes.

I dont that time to waste activating my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Resurgent Capital Services L.P. (TX)

Complaint:
XX/XX/2019 A credit card in my name was opened using my personal information. I do not own this card and did not request this card.

Company response to consumer: Closed with explanation