hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-04-08
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. (TX)

Complaint:
Someone applied for a credit card/personal loan under my social security number and name! 
XXXX XXXX XXXX I got a notification that I had a hard inquiry on my credit report. That is how I found out as I NEVER applied for anything! I would like this investigated ASAP so I can get the law involved. This has affected my credit score!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (IN)

Complaint:
I am receiving repeated calls from a " processing center. '' The phone calls are abusive and threatening. The representatives threaten to " see you in court '' and " serve you with papers at your home or work '' this is regarding " two complaints '' they claim to have from HSBC Bank. They claim the complaints are regarding " breach of contract '' and " failure to pay ; '' However, as I stated previously all debt related to this account was discharged in bankruptcy in XXXX. I have told them repeatedly that the balance of HSBC account to which they are referring was discharged in bankruptcy. They will snidely reply " see you in court '' and/or " good luck in court '' and hang up the phone. These calls began in XX/XX/XXXX and have continued through XX/XX/XXXX. They even called and left three separate voicemails with my abusive ex husband which endangered my personal safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: BG Lenders Service LLC (NY)

Complaint:
A man from BG lenders has contacted people oin my family related to a car loan that I 'm working to catch up on. He never leaves a name on a the card but shows up & calls many people in my distant family making threats against, slandering my character, ect. He goes by the name of XXXX ... Plz help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

Complaint:
IQ Data continues to call regarding a debt that is in a legal dispute. They also placed the debt on my credit as a collection even though they are aware the amount and matter is a legal matter.. They continue to call me after I advised them this is a legal issue.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
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. (CA)

Complaint:
In accordance with the Fair Credit Reporting act XXXX. XXXX XXXX Account # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-18
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Brennan & Clark, Ltd., LLC (CO)

Complaint:
I was contacted by personal phone and email. Then, without my giving it to XXXX XXXX, and without my permission, he proceeded to call me at my place of work and email my work email. I contacted the original business I when indebted to and made payment and payment arrangements. He emailed me again. I told him that I had made payment and arrangements for further payment with XXXX ( the company I was indebted to ) and that I was handling it through them. He continued to email me saying there were no payment arrangements made. I responded telling him again that I made payment and XXXX told me I could make another in a couple of weeks and that I was not going to discuss it any further with him and to remove me from their contact list or that I would report him. He emailed me again trying to tell me they have no payment arrangement set up with me and that I needed to send him proof by the end of business day. I blocked his emails and called XXXX and reported the matter and they said they would contact him and tell him to stop. THIS WAS TOTAL HARRASMENT even AFTER I made payment and worked it out with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (CA)

Complaint:
i called citi bank collection dept today XXXX XXXX and asked for assistance from them regardin monthly payments for my two credit cardss specifically during this time that i am suffering from income disruption brought about by this public health issue triggered by this corona virus. I am asking for payment suspension for 90 days while this public health issue is ongoing. They refused to grant me this assistance instead they keep on telling me that there is nothing they can do to help me and that if i miss my payments my account will charged off and wil go to a collection company. I just feel that Citi bank should consider the current hardship their consumers are suffering from because this current public health issue is totally unexpected and therefore consumers will have difficulty making their monthly payments. I am complaining about how this Citi bank is not giving any consideration to the problems their consumers are suffering from specifically income disruption brought about this public health issue.

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 2023-04-28
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. (IL)

Complaint:
This is the sixth attempt that I have been a victim of identity theft and 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 items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2021-08-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings (MS)

Complaint:
on XX/XX/2021, i sent Ad Astra Recovery Services Inc. a letter for alleged balance of XXXX that i don't owe. i request documentation of the validity of the debt that i haven't received as of yet. i also attached a copy of the letter below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
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: CITIBANK, N.A. (MN)

Complaint:
The following credit inquiries currently listed on my XXXX credit report are fraudulent and unauthorized : XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX and CBNA, Date of Inquiry : XX/XX/XXXX. I did not apply for credit or authorize XXXXXXXX XXXX or CBNA to pull my XXXX 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 2019-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Specified Credit Association, Inc. (CA)

Complaint:
XX/XX/XXXX I received a letter from Specified Credit Association , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, Phone XXXX XXXX XXXX Referencing a balanced owed of : {$140.00} Ref : XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I never signed up for a membership at XXXX XXXX. 

I went to XXXX XXXX and found out that the XXXX XXXX Staff allowed someone else to sign up for a membership in my name as a gift and sign my name for me. 

The contract on their computer shows someone else 's name for the back account information for payment and my first name signed with a finger signature pad - NOT MY SIGNATURE. 

I never signed a contract, I never signed up, I never stepped foot in the gym prior to trying to resolve this problem. 

The problem began when XXXX XXXX Committed Fraud by allowing their employee to willfully allow someone else to sign my name on the contract. As a result, their bullying collection agency calls and says " How can you work out without a contract '' ... These guys are on an autopilot scan. 

Someone else to signed my name to begin an illegal contract. 

If the person that signed me up was told " the new member needs to come in and sign '' and I went in and signed they would have a valid contract. 

When employee could have signed my name for all I know. 

Specified Credit Continues to call me like it is the first time they are trying to collect on this debt. 

I ask them to quite harassing me and they hang up me. 

Specified Credit Associations Inc. has called me : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Today, XX/XX/XXXX, I explained, again, I do not have a gym membership. 

How can I have a membership without a signed contract? 

I asked them to quite harassing me and they told me to " What my mouth '' and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Complaint:
Filed dispute XX/XX/17. Bank asked for more information ( not clear on how to submit ) and I submitted the information. Purchase was from brick and mortar and bank denied dispute because i put the item received date was the same as item purchased. I called back to get a clearer answer and representatives said they would flag it for reopening at this time I also submitted photos supporting my claim. A week later my temporary credit was removed and I called again. Again I was told the dispute would be reopened. It was not. Letter in the mail gives reason as not submitting requested information. Even the representatives on the phone were confused as to why when I called back in. They stated all information was there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (WA)

Complaint:
On XX/XX/17 I received an email from Chase bank saying that my account was closed due to suspicious activity. When I tried to log into my account it told me the account is locked and I need to call a number ( ( XXXX XXXX XXXX ). When I spoke to the representative on the line ( Fraud Department ), she was very rude and not helpful at all. She said my account is closed ( after 10+ years ) and she wont tell me why because XXXX can do whatever they want and they dont owe me an explanation. 

Im at a loss for words here! I ended up going to a XXXX branch and spoke to a banker thinking this is a scam. And the banker told me that theres nothing they can do. She also told me she had another client this week with the same issue. It looks like this has something to do with receiving unemployment possibly. I have been receiving unemployment since mid XXXX due to COVID and in XXXX there was a fraudulent breach in the unemployment system in Washington state. I was not affected by this but I did have to confirm my identity with them which went through and I have been receiving payments to my checking account, until yesterday. I was dealing with unemployment for five weeks in regards to fraud and now possibly because of that situation, my checking account was closed. 

This is a very unfortunate situation for me due to not having access to my finances right away so I can provide for my family as well as not being able to receive unemployment assistance since it's connected to my checking account. I was supposed to get paid today and the payment did not go through since my account is no longer valid. I was told I will receive a check with the remaining amount from my account ( not sure when this will happen ) and I can never open an account with XXXX in my life. I dont understand why this is happening. I dont know why my account was closed without an explanation. 

So Im being punished for being a victim??? If this is truly regarding fraud and there was suspicious activity in my account, shouldn't I be aware of this information so I can take measures to prevent this from happening in the future? 

XXXX needs to figure out their policies and regulations and let people have a chance at life instead of kicking them while theyre already down. A lot of people are struggling right now during these devastating times were going through and are barely making ends but here they are treating their customer so horribly. I will never recommend Chase to anyone I come across after what I had to go through in the last 24 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CA)

Complaint:
MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT AND REQUEST.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
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: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Complaint:
I sent a letter to Portfolio Recovery Associates on XX/XX/XXXX and XX/XX/XXXX. 

Here are my tracking numbers XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX said they completed the investigation and everything was 100 % accurate.

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

I would like to know who did they talk to?

How did they complete this investigation? 

I also sent letters to XXXX, XXXX, and XXXX regarding the same 2 accounts on XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Complaint:
Please reference previous complaint # XXXX After my last complaint about my Huntington Bank credit card was closed, I paid the balance in full -- {$1500.00} on XX/XX/XXXX. On XX/XX/XXXX, I was charged {$10.00} in interest on my XXXX-balance card. I called and spoke with " XXXX '', a supervisor who refused to provide her last name, who told me the interest was for cash advances from XX/XX/XXXX. I don't understand how I still accrued interest after the statement balance was paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-10
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. (AL)

Complaint:
The credit bureaus stated that my account was properly investigated but how is that possible if many things are inaccurate on the accounts such as the date last verified inaccurate, date of last activity inaccurate, date last reported inaccurate, date opened inaccurate, closed date inaccurate, last payment inaccurate, term length inaccurate, payment history inaccurate for accounts XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX. This ground for removal. They also violated my rights under 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 Also the credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # 's 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 explanation
Consumer complaint received 2021-12-12
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: EQUIFAX, INC. (NY)

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
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 (NJ)

Complaint:
Applied for the offer that stated earn XXXX XXXX  bonus miles when you complete $ XXXX in purchases and also receive a {$100.00} statement credit after making a purchase on XXXX within 30 days or so. I completed all the requirements back in XX/XX/XXXX right before the date to complete the requirements within, i have yet to receive my XXXX miles and my {$100.00} statement credit. I feel i have been a victim of credit fraud where amex simply just lured me to sign up and never delivered the promised. I have immediately stopped using this credit card and will not use it again ever, i have also spread the word among my family and friends to never sign up for XXXX, as they are in shady business.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NC)

Complaint:
I pay  my Citi  credit card in full each month.  YTD  I have spent {$38000.00} on their card so I am a pretty good customer and pay the balance in full each month. Today, I tried to use the card and was declined. After calling the company, they told me that my payment was 5 days late and they froze my line. The payment due date was the  XXXX  and today is the  XXXX , which seems like 3 days, not 5. There was no nottation in my statement that the availability would be curtailed at 5 days late and I was only 3 days late to pay - I paid the card in full this afternoon.     I asked that a complaint be filed and also asked how to contact the CFPB.  Citi w as reluctant to file a complaint and the representative told me that the situation had been resolved so no complaint needed to be filed. I protested and they finally agreed to file a complaint but had no information about whether I would be contacted or what the complaints process is.  Thier  representatives were not familiar with the CPFB. Additionally I was given contradictory information from  2  different representatives about crediting  Milage  to my account.     All in all a bad experience and my future business will go to my  XXXX   XXXX  and  XXXX  cards.

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 2015-04-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (PA)

Complaint:
I am a co-signer on a private loan ( with XXXX XXXX, who knows I am filing this complaint ) now held by American Educational Service - AES. They doubled the payment, without notice, several months ago, even though my daughter was unemployed until XX/XX/XXXX. I wrote to them recently asking for a forbearance due to a death in the family, and they did not appear to grant it as they said they sent me a message, nearly a week later, but I could not access it. I told them not to call me at work, as it is a public government institution, and I also told them not to have their collection agency, XXXX XXXX to call me, but they did. I have scheduled a payment for later in the week, which is over XXXX % of my daughter 's total salary per month, but I will still owe another payment. 

This company is awful. They need to be shut down. They increased the interest on the loan early on and it is nearly XXXX what we borrowed. 

Tell families never to take a private loan ; public ones are bad, too, but private ones are nothing more than goudging.

Company response to consumer: Closed with explanation