hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (PA)

Complaint:
I applied for the Wells Fargo Active Cash card on XX/XX/XXXX. Advertised variable APRs at that time were 19.74 %, 24.74 %, and 29.74 % based on your creditworthiness. 
I was approved for the card within seconds and received an email indicating my APR would be 24.74 % after the 0 % promotional rate expired. I reached out to the company the following morning and after going through 4 people I was told that someone who handles customer complaints would get back to me. 
I received a voicemail from XXXX to call them back on XX/XX/XXXX. I called back and she just explained the same terms and conditions I already knew. I explained that I wanted to know why I was only qualifying for the mid-tier APR when I have an exceptional credit score. She said that they use information from credit reports obtained by XXXX to determine the rates. I said that I would like to speak to someone above her regarding the matter and eventually spoke to her manager on XX/XX/XXXX. She said that they would submit my application for further review and have an answer to me in 24-48 hours. I received a follow up call later that day from XXXX XXXX in which she just repeated back to me what had been discussed on the prior phone call. 
After no contact the following week, I reached out to the company on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX looking for an update. I received a call back from XXXX manager on XX/XX/XXXX indicating that the review can take up to 10 business days someone will be in contact with me by the following Friday. 
I received a call today ( XX/XX/XXXX ) from XXXX in which she stated that my interest rate would remain the same. I asked what my credit score was supplied to them on the day I applied for the card and was told it was XXXX. I indicated multiple times that they appear to be advertising false APRs because if people with exceptional credit do not qualify for the top-tier APR, who does? She said the decision is based upon information obtained from my credit report. I asked her to provide the specific reason that I was denied the better rate. I was told that I would need to contact XXXX to review my credit report. 
I had already checked my XXXX credit score myself on XX/XX/XXXX and it was XXXX. There is no negative information on my report that would disqualify me from a better rate. 
I also asked XXXX to supply me with the percentage of applicants that qualify for the 19.74 % APR, but was told that she didnt have that information.

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 2022-09-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Complaint:
Portfolio Recovery Cease and desist ANY and ALL claims you claim you have on me under15 U.S.C. 1692cc and 15U.S.C.1692 e { XXXX } cease communications of ALL collection and debt information that you have, to any body or company other than my self by mail only this is an official notices

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (FL)

Complaint:
XXXX is charging for time usage on cellular numbers not used. I have disputed this several times, yet they do not send me documentation to back this debt because there isnt. How can I owe money when I didnt use their service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Complaint:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FISERV INC. (IL)

Complaint:
XX/XX/XXXX - {$84.00} TRS Recovery Services XX/XX/XXXX - {$18.00} TRS Recovery Services These amounts are from an account that was closed and no longer exists after a fraud attempt from XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX 
XXXX has been contacted several times about this company, yet they have no taken down the page, done anything about the dispute or prevented letters from being sent. The number ( XXXX ) XXXX is NOT even an active number. There is no other active service number or email to call about this matter and they have not given me validation that the debt was unresolved. 

XX/XX/XXXX my work email ( XXXX ) was exposed to the dark web last used from an IP address in XXXX Oregon from the same location where the headquarters for returns to XXXX is located. The email was sent a receipt for three items purchase through the app " XXXX ''. 

XX/XX/XXXX An unauthorized inquiry was made for XXXX  line of credit. 

XX/XX/XXXX An unauthorized attempt was made for a line of credit for " XXXX XXXX '' XX/XX/XXXX Work email XXXX was found several times under the dark web for an EXPOSED email and password for " XXXX '' and " XXXX  ''. 

There are 3 accounts still listed on this credit report that have been CLOSED for one year or more through XXXX XXXX XXXX. They have been settled and are still appearing on the consumer credit report. 

There is also a line of credit through XXXX XXXX. This is supposed to be written off as a loss as the car was totaled on XX/XX/XXXX. It was settled through the car and medical insurance and written off as a loss!! 

On XX/XX/XXXX a AI generated call was made to XXXX + using my personal email and information to hack into my email and XXXX XXXX! A charge made by XXXX XXXX XXXX for {$14.00} was cancelled. XXXX  then sent an email to my personal XXXX account asking for me to leave a better review of their item from an item I returned in XXXX of XXXX that I was never refunded for!! A subsequent XXXXXXXX XXXX  account and debit card were created and the account ending in XXXX was closed on XX/XX/XXXX!!

Company response to consumer: In progress
Consumer complaint received 2021-07-20
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. (CA)

Complaint:
After Providing The Three major credit bureaus With My Fraud Claims. The companies Have failed to remove all the inaccurate reporting 's. While some accounts were removed I have been getting Denials to remove other items & accounts related to fraud. And also overlooking my request for contracts regarding these accounts This has affected My life Tremendously. Also This has been ongoing for almost a year now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
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:
Im complaining about an unauthorized inquiry that was established on my credit report on XX/XX/2022 from XXXX XXXX. Ive been trying to get this inquiry removed off my report for over year to no avail.I was finally informed by Equifax that my previous FTC report was inaccurate and that I had to file another one.I have no open account associated with the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
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. (GA)

Complaint:
I checked my credit report and there are charge off accounts appearing on my credit report that I have no knowledge about. U have never received anything in the mail from the creditors. I would like to see all the information regarding these accounts like when they were open, addresses cards mailed too, transactions receipts and signed applications from each creditor. XXXX, transunion and XXXX are allowing these creditors to report incorrect information to 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 2022-08-29
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. (FL)

Complaint:
In accordance with the Fair Credit Reporting Act. Section 611 ( a ) ( 1 ) ( A ) Account # XXXX ( XX/XX/2022 ) 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 I have recently been informed that there is negative information reported by [ XXXX XXXX # XXXX ] in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing [ Collection accounts- XXXX XXXX was put in chargedoff {$1100.00} ] in [ XX/XX/2022 ]. 
I challenge the accuracy, compliance and reportability of this listing. Please validate this information with [ XXXX XXXX ] and provide me with copies of any documentation associated with this account, bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (OH)

Complaint:
I've contacted CitiCard regarding my XXXX  credit card accounts via their online live chat on numerous occasions over the last two months. I paid off my account, over $ XXXX, in XXXX yet they continue to bill me for fees. I've contacted them now at least three times to resolve this, kindly asking for fees to be waived, however I received an email notification and collection call within the last few days requesting payment. The balance on this account is around {$23.00}, which are all fees. When the collection automatic dialer contacted me I selected the option to speak to someone, to which it hung up on me. Again not a good customer experience in the least bit. 

I am beyond frustrated, furious and livid that this has now taken so much time to resolve. It's difficult to believe that three Citi Card associates have yet to resolve this concern. The first one asked me to call some other department, to which their call volume was so high you can't even get through. Then I contacted them back again, and again, but yet I still have a balance of fees. 

In all I want this balance removed in full. Obviously, I can afford to pay {$23.00} but it's the principle at this point. In addition, if my account was reported to the credit bureau over this I will be contacting my attorney to set up a litigation case, and will sue CitiCard. I want this resolved and quickly.

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 2017-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Complaint:
I AM FILING THIS COMPLAINT BECAUSE XXXX HAS IGNORED MY REQUEST TO PROVIDE ME WITH THE DOCUMENTS THAT THEIR COMPANY HAS ON FILE THAT WAS USED TO VERIFY THE ACCOUNTS AND INQUIRIES I DISPUTED BEING THAT THEY HAVE GONE PASS 30 DAYS MARK AND CAN NOT VERIFY THESE ACCOUNTS ( NOT BY JUST TELLING ME THE ACCOUNT OR INQUIRIES HAVE BEEN VERIFIED ) UNDER SECTION XXXX ( XXXX ) ( A ) OF THE FCRA THEY ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED : THAT I HAVE DISPUTED. PLEASE RESOLVE THIS MATTER AS SOON AS POSSIBLE

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 2020-11-11
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:
all my credit information is missing from Experian report. The others are fine. XX/XX/XXXX all was fine and even receive an monthly email that my credit score was XXXX. That week I was working with a bank on a mortgage and they tried to pull my credit. They told me there was a problem with experian. So i went online to my member page and seen all my information was missing. no accounts and no score. I called and they said they will look into it. mean while i locked all 3 credit bureaus. 5 days later nothing and i called back because i started getting spuff calls from ss office and police dept trying to get information out of me. I hung up and called that same police center and no such person or badge number. I called Experian back and no note in system. i was transferred to fraud dept. and was on the phone for 1 hour before i found someone that would help me. She told me that there was 2 people with same ss # and my stuff went to him. she even game me the name and sad she was going to send to data dept to fix. It would take at most 5 business days. at this point i locked all my accounts. 7 days later no call and information still missing. i called back and this time talked to another agent who read all her notes and said that Experian had split the data and its in another account.???. this would take XXXX business days ... .. 7 days later nothing and just called back again. a different person said need to rend to data dept to fix and they need another 5 days. mean while i lost that house i wanted and the interest rate besides not knowing what happened and why and who has my information out there.. very concerned!

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 2023-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY (NY)

Complaint:
All my credit cards have been secured credit cards. XXXX XXXX  refused to investigate the charges and the unwarented credit limit increase while account was still secured. All they could say was I'm trying to help you but nothing was resolved. I had to pay off the balance which was doubled and close account. 

With XXXX the same thing happened and I closed account and my money was taken. On the credit agencies they stated account paid XXXX. But I was still paying XXXX which the had wrong. 

Wells Fargo kept increasing the credit limit on every know federal holiday but XXXX increments for one year. I was being told they would investigate but never a call back I had to keep calling the customer service number to leave numerous messages. I also have many phone problems like hot phone battery, power off drop calls and had to purchase thru my phone insurance new phones. Unless they where rigged phones I had no idea who or how my phone was hacked. I went many times in person to a local Wells Fargo branch and they refused to help and forced me out of branch with business card and phone number to call. I have a collection agency trying to collect this money XXXX which they refused to respond to my calls email fax mailed correspondence. I paid XXXX to pay my true balance and they sent me a statement with errors on amount. I submitted money orders from the bank with notarized letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
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. (CT)

Complaint:
DEPT OF EDUCATION/XXXX XXXX  # XXXX is reporting as a delinquent student loan account across all XXXX  bureaus XXXX, equifax and XXXX. The account is closed and currently up to date with all payments however, these bureaus have a past due 90 day late payment for XX/XX/2019 for 90 days however student loan payments are deferred and are in forbearance. Due to this late payment that is inaccurately reporting and non-factual it is harming me for going for a mortgage loan as this is severely hurting my credit. According to the FCRA inaccurate information especially a late payment on a student loan account that is deferred by the government, up to date whereas there has been no payments made late I need this fixed on my credit report. Please see attached documentation at the bottom of this email. Not only this there is an address on my experian account that doesn't belong to me and is incorrect which is another reason why I believe the loan is marked this way. It shows an address at XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX however I live at XXXX XXXX XXXX. I will attach my driver license for proof of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Complaint:
Information is inaccurate from credit bureau. Report is stating closed from TransUnion and XXXX but XXXX is stating open. 
Invalid open dates from all three credit bureaus.Showing a passed due amount when account is reporting as closed. 

Past due stating XXXX XXXX date TransUnion XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022

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 2019-02-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (CA)

Complaint:
XX/XX/XXXX - I went into Citibank to open a checking and savings account with the offer to Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and within 30 days deposit {$15000.00} into the savings or checking account and maintain this balance in the account for 60 days. 
XX/XX/XXXX - I set up my inter institution transfer to transfer {$15000.00} XX/XX/XXXX - recommended Citibank to a friend and friend successfully opened account using my referral number XX/XX/XXXX - Returned to CitiBank realizing I did not yet receive {$400.00} offer. Banker stated that it was because my checking account was closed and I did not have sufficient funds. However, I was not advised by first banker in XXXX regarding amount that had to remain in checking. I was only told that I needed to deposit {$15000.00} into my savings. Banker then stated she could help me open a new checking to get the offer. 
XX/XX/XXXX - Received email from Citibank stating " Thank you for choosing Citi for your banking needs, and for your enrollment in the Citibank {$400.00} Checking Offer ( " Checking Offer '' ). Unfortunately, we have determined you have not fulfilled the Offer 's required activities for the following reason : Your checking account is closed and therefore not eligible for the offer '' XX/XX/XXXX - Returned to CitiBank regarding complaints, and banker ( that helped open second account ) advised to file dispute. I requested to close account so I can transfer my money to another bank, but banker kept advising to file dispute and wait again. 
XX/XX/XXXX - Have not yet received any communication regarding status

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE (GA)

Complaint:
Since XX/XX/XXXX I have repeatedly received aggressive phone calls from Avante USA XXXX claiming that I have an outstanding balance with their creditor/parent company XXXX XXXXl XXXX with in the amount of {$140.00} and another in the amount of {$200.00}! For an emergency room visit at XXXX XXXX XXXX, Florida that dates back XX/XX/XXXX! A visit in which all balances were covered by my medical insurance and the copay on my end was also paid in the full amount. As a result I have no balance or lingering accounts within either systems of XXXX XXXX XXXX XXXX XXXX or the XXXX XXXX billing of XXXX XXXX XXXX, when I called and spoke to representatives on both sides, they had no record of an outstanding balance on file. So, for me to get a badgering call from Avante USA XXXX for a visit that occurred almost 2 years ago that was fully paid is clearly fraudulent and misleading. The validity of documentation of this balance in XXXX is highly suspicious as well! I completely dispute their efforts for collection for an XXXX  visit that was already paid for in which, I didnt even see one of the physicians that they claim Im my balance within Avantes file. I never received any notice, phone call, or communication of any other balances relating to this XXXX  visit and I would like for the account to be closed and dissolved as it is simply false nor can they provide me any legitimate verification or legitimate proof for the existence of any balance with XXXX XXXX XXXX to begin with! There are clearly a lot of instances nationwide with people fighting against being taken advantage of by Avante USA XXXX and affiliate XXXX XXXX XXXX! To top it off I dont even live in the state in which this claimed debt is owed!

Company response to consumer: Closed with explanation