hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2015-11-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AmeriCollect (WI)

Complaint:
I have a bill from XXXX for an xray done on my son that has been paid in full ( proof of payment attached ). They referred me to a collection agency : Americollect Collections. I disputed the debt within thirty days of getting the collection notice and sent proof of payment to the collection agency. I have received no further written communication from the collection agency. I have called them and they indicate that I still owe the debt per XXXX. 

The bill was paid in full on XXXX/XXXX/2015 and they are still engaged in collection activities as of XXXX/XXXX/2015.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
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: AMERICAN EXPRESS COMPANY (FL)

Complaint:
American Express is reporting accounts on my credit report. Accounts I never opened with them and never gave them any permission. I have never had or opened ANY AmericanExpress cards in my entire life. These accounts should have never been added to my credit report in any shape or form.
On top of this they are showing many accounts as a duplicate. For example, they are showing one of the cards 4 times in a duplicate fashion.
This is preventing me from getting loans that are very sensitive to number of opened accounts in the last 10 months, and AmericanExpress is showing more than 7!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OK)

Complaint:
I wrote directly to the US BANKRUPTCY bank in XXXXXXXX XXXX & was advised they did not report or furnish info to ANY BUREAU .. I then wrote XXXX XXXX regarding the issue & today XX/XX/21 I confirmed they have removed all bankruptcies from my file XXXX your report individually states you fraudulently obtained & published by your bureau. 
1. XXXX XXXX stole the info and didn't have a permisseable purpose to report it. pursuant to 1681b. ( 2 ) REMOVE MY STOLEN INFO REGARDING BANKRUPTCIES from your file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
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: Advanced Collection Bureau, Inc. (FL)

Complaint:
There is a collection on my XXXX account in the amount of XXXX XXXX which was placed on my account on XX/XX/2022 for an eviction. This debt is not accurate as of date, and should be expunged. I appeared before a judge on XX/XX/2022 and explained my whole case and situation to them. My case was thoroughly presented to the courts. After undergoing careful deliberation, the judge ruled in favor on XX/XX/2022 to sealing the eviction without objection. This ruling signifies that the eviction was not intended for disclosure or utilization against me, including financial responsibilities. The sealed status renders me exempt from any obligation to settle outstanding dues linked to this matter. Therefore, I respectfully urge you to assess my situation and take the essential measures to eliminate the connected debt from my records. I have reached out to this collection agency multiple times to try to resolve the issue with them. I also provided them with the court ordered document that was obtained from a judge, and they refuse to respect the document.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The CMI Group, Inc. (MO)

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L   Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond,  within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE Please delete this account from all 3 credit bureaus immediately. I would also need a copy of your Tax Registration Certificate!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Complaint:
I have inquires on my credit report that i never applied for

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (UT)

Complaint:
This is a debt that until recently I found out was actually under XXXX XXXX XXXX and was sold to XXXX XXXX in XX/XX/2013. I do not even recognize this debt and have tried numerous times to get this off of my credit report to no avail. I do not owe this debt. This debt is not mine and is not in any way associated with me. Also I noticed that during this period ( XX/XX/2013 ) there was evidence of deceptive credit enrollment practices by XXXX XXXX XXXX and XXXX XXXX of up to {$34.00} XXXX dollars. They are trying to collect on a debt that was probably created by them during a period of their own unlawful practices. 

See : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Complaint:
I have a collection on my account and they keep updating the date every couple months. The collection will disappear then come back. Or they update the date to a more recent date and my credit score keeps dropping and Ive worked REALLY XXXX hard to get to where Im at with my credit score. My score just dropped by XXXX points and I have NO missed payments and nothing that would cause this to happen. The debt collector is portfolio recovery it says original creditor is XXXX XXXX I do not know what this debt is. its for {$710.00} from 2018 and I dont ever recall having a XXXX XXXX credit card in 2018!! It also said something about sprint. I dont have XXXX  as a phone provider and NEVER have. My mom did when I was like XXXX but I NEVER have. Also I didnt have ANY credit cards in 2018. At all, so how is this account opened in XXXX of 2018!? Ive never had sprint and I had ZERO open credit cards in 2018 I want this XXXX debt removed from all 3 of my reports! Its ridiculous and they keep changing the dates and updating it so the date becomes a more recent debt! Im SICK OF IT. I want it removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (TX)

Complaint:
I resided at XXXX XXXX XXXX from XXXX XXXX to XXXX of XXXX is when I moved to XXXX Texas. The property manager for this location at the time name was XXXX XXXX. 

According to the company 's move out policy I did everything in compliance with supporting documentation that I was supposed to do ( Gave my notice for moving, Removed items from the Townhomes, cleaned the unit ect ). The property manager had on site grounds keeper that did the walk around with me and took photos of the unit. The documentation was supposedly given to XXXX XXXX in spite of the fact she still kept my deposit that was owed to me and falsely reported that the unit was in a terrible condition when I moved out. I moved out on Friday the XXXX of XXXX XXXX and another family moved in on Monday XXXX the XXXX XXXX. I was not able to come back to Minnesota to contest the accusations because myself being a single mother and moving to another state was impossible task financially, the property manager was aware of this at that time. However, I have attempted to contact the company directly numerous of times and on different occasions to take care of this issue. I kept getting the run around by the staff of XXXX XXXX XXXX because I did n't know the proper steps file with the false claim that the property manager made and yet not a positive response. 
I 'm asking for a someone to please look into this matter regarding the false claim that the property manager made and please let me know what I need to do to take care of the situation.

Thanks, A Very Concerned Petitioner

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 2023-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC (FL)

Complaint:
This debt was Originally attempted to be charged by XXXX. I paid all required monies when i cancelled the account. they attempted to run my fees past the date of cancellation. I tried dealing with them originally, about XXXX years ago. They subsequently sold the debt to other debt collectors. I then submitted my information ie.., proof to the reporting agencies that showed the first debt collector claiming a bad debt to my credit. They subsequently removed denied their claim. This occurred XXXX more times recently with each new event another debt company they shuffled it through. The most recent : Credence Resource Management , LLC. the amount claimed is XXXX is there any way to stop this shell game they keep playing? 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Complaint:
On XX/XX/2018 I entered into an agreement with XXXX XXXX ( representing XXXX  ) to settle a private student loan. The agreement is for " paid in full '' and " cure- deletion ' of negative reporting on CRA 's. Instead, XXXX only updated the amount owed and continues to damage my credit by reporting the account as delinquent. I have called XXXX directly and they keep saying it will take more and more time. I called XXXX XXXX XXXX XXXX collection agency- and they claim that the account is settled in full and there is not supposed to be any reporting of delinquency. Yet my credit got dinged again this month.

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 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Complaint:
This is one of my numerous 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. Please delete this account immediately.

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 2016-06-18
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Complaint:
I want to negotiate the credit card debt, but all I get is robo calls, I wish this debt collector would mail me so something so I can start paying the debt down, like other collectors are done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-15
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. (IN)

Complaint:
( All documents, proof and/or evidence attached ) attached : return receipts, validation letters to XXXX and XXXX XXXX, certified return receipt mail sent to Equifax, XXXX  and XXXX. 
The following account/accounts that fall under have failed to be validated. I have sent the creditor ( XXXX XXXX XXXX XXXX letters of validation ) Neither has been able to validate the accounts that fall under Account # XXXX. 

-Sent XXXX Validation request dated : CERTIFIED MAIL AND SIGNED RETURN RECEIPTS ATTACHED 1st request for validation : sent XX/XX/XXXX XXXX request for validation : sent XX/XX/XXXX -Sent XXXX XXXX Validation request dated : CERTIFIED MAIL AND SIGNED RETURN RECEIPTS ATTACHED 1st request for validation : sent XX/XX/XXXX 2nd request for validation : sent XX/XX/XXXX I requested a method of verfication from Equifax, XXXX and XXXX via certified mail/return receipt : ( Attached as rd.1 letters ) Equifax : Signed for XX/XX/XXXX XXXX : Signed for XX/XX/XXXX XXXX : Signed for XX/XX/XXXX for the following accounts : 1. XXXX 2.  XXXX 3. XXXX 4.  XXXX 5. XXXX 6.  XXXX 7. XXXX 8.  XXXX 9. XXXX 10.  XXXX 11. XXXX 12.  XXXX 13. XXXXXXXX 14.  XXXX 15. XXXX -Per a previous dispute with the credit bureaus they stated that the creditor XXXX has validated these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
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:
I want the information that is incorrect ( FTC report attached ) removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

Complaint:
I purchased an airline ticket with XXXX XXXX and the last minute the flight was canceled by by XXXX XXXX. I was promised a full refund by XXXX XXXX and after waiting for over two weeks I contacted my credit card company HSBC to see what is my best options. And the HSBC Representative told me its best to file a dispute, which I did. I had no outstanding payment due. I received a credit alert telling me my credit score decreased. When I look at my credit report it started : We noticed a change to the remarks listed on your XXXX credit report regarding your HSBC BANK XXXX. My score decreased XXXX point because I contacted HSBC about the purchase I made for a service I never received and I wasnt reimbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Consultants, Inc. (GA)

Complaint:
I was contacted by Diversified Consultants Inc in XX/XX/2017 regarding a collection balance with XXXX. During that conversation, I disputed with the validity of the debt with the representative. The representative told me that I could find the bills with the charges by going back to XXXX for the billing details. I followed up the verbal dispute with a letter disputing the collection. 

On XX/XX/XXXX, Diversified XXXX contacted me and I disputed the charges again. I dispute the amount of charges imposed by XXXX, as I could n't possible owe {$3500.00} for terminating my services after 10 years with the company. The representative again told me to go on XXXX to pull up the bill. This is a direct violation of the Fair Credit Reporting Act requesting validation of the debt. The representative offered me a settlement of the account and due to their unethical practices, offered me a settlement taking {$1400.00} off the balance. I continued to feel pressured to take the settlement as to not affect my credit rating. 

I accepted the settlement, gave out my personal financial billing information for the installment payments. During the call with the representative, I asked about the account now affecting my credit. The representative told me that, of course after getting commitment of the payments, then said that the account would be reported to the credit bureau the very next day. I asked for a letter confirming the payments and the arrangements and the representative said that they do n't have these type of letters to provide. 

I asked the representative to speak with a supervisor to understand that after being pressured into a settlement of an account that is inaccurate why would they continue to falsely report inaccurate information to the credit bureau. The supervisor told me that there is nothing that can be done, the account would be report and updated as " settled in full '' once the final payments were completed. But until that time, they would report the entire inaccurate balance of {$3500.00}, not the settled balance. 

The unethical practices of Diversified Consultants has damaged my credit, as I was in good faith trying to make arrangements and pay the accurate amount for the XXXX account. To this day, I still do not have the final billing or validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Complaint:
Dear Bank of America : This letter serves to request the cashiers checks be released from the CLOSED Account of XXXX XXXX XXXX, XXXX, business checking and savings account. 

The FDIC Law, Regulations, Related Acts and 6500- Consumer Financial Protection Bureau provide laws and specific guidelines that protect consumers when bank accounts are closed. XXXX XXXX XXXX XXXX, is within this class of protection. Bank of America is within its depository rights to close the accounts, but can not capriciously hold the funds, harass me, interfere with my constitutional rights and hurl XXXX  XXXX onslaughts! 


Bank of America initiated closing both the business checking and savings accounts on XX/XX/XXXX denying access to funds. 

Bank of America completed their investigation of XXXX XXXX XXXX, XXXX and submitted a Notice of CLOSURE dated XX/XX/XXXX. The NOTICE stipulated that funds from the account would be mailed 3-5 business days in the form of cashiers checks. 

Bank of America, various departments have been contacted from XX/XX/XXXX until XX/XX/XXXX when the cashiers checks were not received. Their is no justification to hold my funds denying my constitutional rights to life, liberty and the pursuit of happiness ( unpaid mortgage, utilities, insurances, food and clothing ). 

Due to the blatant and appalling hold on the cashiers checks ; I am further requesting compensatory and punitive damages be assessed accordingly for each day after the legal time, Monday, XX/XX/XXXX. 

I AM, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX https : //www.consumerfina Sent from my 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 2019-06-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Real Time Group, Inc. (FL)

Complaint:
When I entered into a home mortgage modification with XXXX XXXX, Real Time Resolutions , Inc, I contend, illegally filed a corporate assignment of mortgage thru the court system in Florida. This assignment ( 2nd lien on my property ) falsely indicated ( I contend ) that I authorized and executed, thru Mortgage XXXX XXXX XXXX XXXX XXXX, them to file the assignment of mortgage. The alleged debt, according to the credit bureaus, was supposedly sold mid XX/XX/XXXX. Real time resolutions filed the assignment against me, beyond the state of Florida statue of limitations. They filed late XX/XX/XXXX. That is beyond the statue of limitations. I wish to suggest that real time resolutions vacate the lien and cease any more actions on their alleged debt.

Company response to consumer: Closed with explanation