hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2018-05-13
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

Complaint:
I have been receiving unwanted credit card applications at my work address from Capitol One since XX/XX/XXXX. I have contacted Capitol One on at least 12 occasions in the past 2 years to get this to stop. In XX/XX/XXXX, I signed up for the PERMANENT OPT OUT list with all credit reporting agencies and still I am receiving these offers. 

In the past 2 years, I contacted Capitol One on the following dates each after I received a unwanted credit card application. On each of these occasions I have been assured my name would be removed from the mailing list. 
I called in XX/XX/XXXX ; I called in XX/XX/XXXX ; In XX/XX/XXXX I spoke with XXXX ; XX/XX/XXXX I spoke with XXXX ; XX/XX/XXXX I spoke with XXXX, a supervisor ; XX/XX/XXXX I spoke with XXXX, a supervisor who said I would be removed from their list permanently ; XX/XX/XXXX I spoke with XXXX who provided a case number XXXX ; I called on XX/XX/XXXX ; in XX/XX/XXXX I spoke the XXXX, a manager to get this ti stop and with her supervisor XXXX ; on XX/XX/XXXX I received a letter from XXXX XXXX with Case number XXXX stating I would be removed from the list for 3 years. She suggested the op out registration. 
I received another solicitation in XXXX and called on XX/XX/XXXX and spoke with XXXX ; I registered for the Permanent opt out in XX/XX/XXXX. 
I called again on XX/XX/XXXX and spoke with XXXX ; After receiving another solicitation in the mail on XX/XX/XXXX I decided to file this complaint. I left a voice message for XXXX XXXX informing her I would be filing this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-25
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:
On XX/XX/XXXX, all my ( hundreds of thousands of ) American Express Membership Rewards ( MR ) points were frozen, per telephone inquiry advice of 2 MR representatives and a supervisor. They explained that the freeze would last up to 8 weeks for a " spin review. '' They said there was no way of knowing why my account was selected for review ( though I've been in good standing with AmEx since opening my account in XX/XX/XXXX ), and that there was no way to expedite the review and allow for my wife and I to secure airline award ticketing of limited availability for our 30th anniversary/retirement. 

The freeze also looks to result in an effective forfeit of 125,000 MR points. It happened immediately after successful online transfer of XXXX points to my linked partner airline frequent flyer program ( XXXX ), and prevented transfer of XXXX points to my wife 's linked XXXX frequent flyer account. I'd have no reason to travel with XXXX without my wife on this trip. 

The MR supervisor said she'd ask her " backroom '' to ask XXXX for my XXXX transferred MR points back from XXXX, but they now belong to XXXX and MR has no right to have the request granted. 

Furthermore there is no information available online indicating anything other than our MR account is in good order, and I have and was told by MR representatives I may not receive anything in writing about the status of my MR account. The supervisor said that I am best not to attempt any further online transfer of points, because that will only cause the " spin review '' to last longer. 

My American Express / MR account web page nonetheless continues to recommend redemption of my points for numerous awards. 

Had I not made a call to MR after attempting transfer of MR points to my wife 's linked XXXX frequent flyer account ( which triggered a pop up notice that the transfer can not be made at this time pending account review ), I would never in my wildest imagination thought that there would be anything more than a short ( 20 minute - 1 hr ) review -- let alone an 8 week review, and that all my reward points were frozen -- not just those I tried to transfer. 

The MR supervisor said she sent a " complaint to corporate, '' but could send me nothing in writing about it, could not identify who/what is " corporate, '' and could not tell me if I would get a response. 

There is also no information about a " spin review '' in any contract terms have with American Express, or any discussion of freezes of MR points. 

I ask that you do what you can to resolve this unacceptable situation, which has taken it's toll. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
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. (GA)

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00}, XXXX XXXX XXXX XXXX Balance : {$180.00}, XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022, XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03
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. (GA)

Complaint:
I have been a victim of identity theft so i'm reporting this to clear my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Complaint:
There is a Bankruptcy on my credit report that does not belong to me I have called the court house on the account and the bureuas regarding this the courthouse says they can not verify this and the bureaus are not doing anything about it. I need these off my credit report these are not mine and I dont have to pay for someone elses mistakes!!!! 

US BKPT CT NV XXXX XXXX  - Reference Number XXXX Also one account on my transunion that is not mine and I dont even know what it iks for XXXX XXXX - Account # XXXX XXXX {$4200.00} Opened 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 2023-06-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Complaint:
Company has failed to reply within a 30-day timeframe, and further failed to REMOVE all inaccurate negative reporting, as I have never opened this account, and I believe that my family member has been using my identity, which is why I have a security freeze on my accounts.

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 2022-03-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

Complaint:
Midland Credit Management INC Cease to provide me all the information i'm seeking. They keep sending me the same paperwork that I have no recollection of. Nothing baring my original signature, a contract showing that I entered into a contract with you, Payoff disclosure, Interest rate disclosure, and credit Insurance. You keep sending me 129 pages of nothing what I'm asking for... 

By me going through this alleged debt dated back XXXX. 

You have already broke the law when you re-aged this alleged debt on my consumer report, stating XXXX and XXXX. Totally against the FCRA / FDCPA. 

Also I'm full aware what a charge-off means. Which means a charge-off is a cancel debt. Which I should have received a 1099c. That I never received, and If you owned this alleged debt. send me my 1099c. 

Also The company that sold you this alleged debt. Has gotten paid from this debt 3 times This company knows that there is an insurance built in finance charge that protects the lender against the obligors default or other credit loss. So In reality they have gotten paid from an Insurance claim, a tax deduction, and from you guys. So if you purchase this alleged debt. Send me my 1099c because you put this charge-off on my consumer report. 

And Like I stated the last time. An Attorney is not a debt collector, and a debt collector is not an Attorney. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
CC : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : AttorneY, General 's Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints!!! ENOUGH IS ENOUGH!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (GA)

Complaint:
My payment is a month behind and I am trying to get caught up. As soon as the next payment becomes due ( the second of the month ) and not paid they start calling three to four times a day daily Monday through Sunday ( they call once or twice on Sundays ) until a payment is made. When I pick up to try to make arrangements to pay its an automated call and my choices are to pay now OR to pay now. Sometimes they let me choose a date three days in the future and I don't get an option to speak with a representative.

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 2023-05-05
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. (FL)

Complaint:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

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 2019-06-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd. (MD)

Complaint:
The amount that they are trying to collect on is invalid. XXXX XXXX XXXX is the 2nd collection agency trying to collect on the same debt that XXXX XXXX is collecting on. A dispute was sent to XXXX XXXX and no response. I called Harris & Harris LTD on XX/XX/XXXX at approximately XXXX EST at XXXX and was hung up on. 

The company is in violation of several issues : FDCPA 807 False & Misleading information 11 - " Mini Miranda '' is not on their collection letter ( see attached ) FDCPA - no validation notice on the collection letter ( see attached ) File Bankruptcy and it was discharged on XX/XX/XXXX under Maryland Chapter 7 case # XXXX - the State of Maryland failed to follow a Proof of Claim against the bankruptcy case. This debt was part of this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
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: TD BANK US HOLDING COMPANY (AK)

Complaint:
I see that there was an inquiry on my credit report for the TARGET CREDIT CARD from TD BANK USA that I did not authorize. I did not apply for this card and believe I was the victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-12
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: The LGM Co., Inc. (OH)

Complaint:
I have a car with XXXX XXXX company back in XXXX of 2018 my car broke down and lgm paid for it and I was to pay them back 3 payments of XXXX I paid off all of what I owed them and they are stating that I have never made a payment on it I have sent them all of my receipts and bank statements showing that I paid them and they are just ignoring them and refuse to fix their mistake.I have shown them all the proof that I have and they disabled my car and are very unprofessional and dont want to even listen to whatever I have to say.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (ID)

Complaint:
XXXX XXXX XXXX & IN Moving ; I, Found a CD {$39000.00} with Well Fargo This is the XXXX XXXX XXXX Wells just refuses to Deal with this ___Who could Help me Prove or Disprove Value? _____? PLEASE < HELP <> THANK YOU IN ADVANCE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Id XXXX ( XXXX ) - XXXX XXXX - My Direct Landline, Call XXXX XXXX XXXX XXXX XXXX E-Mail : XXXX Mom lived in XXXX, XXXX XXXX ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) I went & Called Wells & They have NO Interest or Records? May a FDIC/ or Audit would HELP them I was born XXXX & Raised in XXXX  XXXX Moved XXXX As my Youngest Daughter Moved with XXXX XXXX XXXX XXXX XXXX XXXX XXXX Have someone with XXXX to XXXX  years Experience in Banking & C/Ds Please, Thank YOU, 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 2022-05-23
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Complaint:
I filled a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I havent received any investigation result.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
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. (NC)

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19
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 — Problem with personal statement of dispute
Company: ENCORE CAPITAL GROUP INC. (IL)

Complaint:
Midland funding has an account on my credit report been disputing for a while this account is closed for fraudlant charges please help me remove this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
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. (VA)

Complaint:
On XX/XX/2022, I discovered that Equifax had an incorrect birth date ( XXXX ) on my account instead of my actual birth date ( XXXX ). I informed Equifax of this error. To correct the problem, I was required to send Equifax copies of my birth certificate, driver 's license, social security card and U.S. passport. The Equifax online portal would not allow these documents to be uploaded - I had to mail these documents to Equifax in XXXX, GA. 

I mailed these documents as evidence of Equifax the following day, XX/XX/2022. 

Equifax closed the dispute on XX/XX/2022 without waiting for the documents and did not correct my birth date. 

Equifax continues to put incorrect information into consumers ' credit files without verifying this information with the consumer... but then expects the consumer to regularly check Equifax 's records and go through excessive steps to correct Equifax 's mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Complaint:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2020-10-15
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. (MA)

Complaint:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2023-07-24
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. (FL)

Complaint:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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