hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-06-01
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. (NY)

Complaint:
I called Equifax after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were Accounts : XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : XXXX and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Bank statement, Passport ID and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not blocking these accounts is inadvertently resulting in me being extorted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (MN)

Complaint:
I don't entirely know if this complaint is going to the right place but here goes. 

I got a text message at roughly XXXX XXXX  on Friday, XX/XX/XXXX stating the following : USBANK : Your bank account is temporarily limited due to suspicious activities, visit XXXX XXXX XXXXXXXX for account verification. 

I did not open the link. This came off as immediately suspicious because I don't bank with US Bank. This is clearly a scam/phishing scheme and I just wanted to report it. Thank you for your time!

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 2022-04-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (SC)

Complaint:
On XX/XX/2022 at XXXX I received an email from Chase Bank stating my new Chase XXXX XXXX account is open. At XXXX XXXX I received another email from Chase that my email address had been changed as requested. I did not open an account with Chase Bank. I went to Chase and they verified I had an account with my name, date of birth and social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my 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 2019-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Rocket Mortgage, LLC (KS)

Complaint:
I'm not sure what exactly..but it seems off almost like its missing information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

Complaint:
On or about XX/XX/2019 I requested a credit freeze while investigation was made over some transactions that appeared on my credit but were not mine. I received the paperwork and everything was going fine until XX/XX/2019. I filed a request to please have my credit freeze temporally lifted from Equifax, XXXX and XXXX. I needed to move from house and my credit needed to be ran. I had no issues with XXXX, they immediately lifted the credit freeze. On XX/XX/2019 I received a notice from Equifax in which it stated that my credit would be temporarily lifted from XX/XX/2019 till XX/XX/2019. However, I have been checking the status everyday since receiving this notice and my credit is was still frozen. XXXX and other creditors have run my credit since, and it still shows as frozen. On XX/XX/2019, I requested or my credit freeze to be removed permanently due to the whole situation. On XX/XX/2019 I received a notice from Equifax stating once again my request was granted. However, till this day anywhere my credit is ran Equifax and XXXX has no credit or score. I have tried numerous times to contact them on the phone and by mail but have not received any response, the customer service has had no resolution for me and hang up when a hey don't have an answer for me. I don't understand why this is happening. 
I need to move from home and I need my credit to be available as soon as possible, thank you. 

P.S all documents requested by Equifax have been submitted, this includes CA drivers license, SSN, W-2 forms, Utility Bills, ETC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: EQUIFAX, INC. (FL)

Complaint:
good morning ( afternoon ) dear agency I am suffering from an absurd abuse I receive more than 70 calls a day from the company they threaten me a lot I receive a lot of unknown calls about these collections asking for money to pay these collections on my credit I changed my address for this reason they are threatening me they are telling me too many abusive words i get scared i moved from house to live in another house i get really scared please delete these fraudulent collections

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
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. (NV)

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-06-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (CA)

Complaint:
i made a full payment to Macys credit services on XX/XX/2020 of the total amount of {$340.00} to fully close out my account. 
Macys never processed the payment. I made various multiple calls to macys customer service in multiple attempts to resolve this issue in the following weeks after the payment was issued. macys failed to provide and customer support due to the covid-19 and closed their phone support. now macys is issuing interest on my account adding late fees and transferred over my bill to a debt collector. when macys reopened about around XX/XX/2020 i called macys and they had no access to my account anymore, due to it being sent to a collection service. i contacted the collection service XXXX and they have very slow and no consumer support saying that they will get back to me about my dispute with macys in 45 days. all the while macys will keep adding interest and late fees. at this point which have added about 50 % of the original bill so far. i will at this moment make a full payment directcly to citi bank finance services directly to end the interest and fee charges. i will pursue this matter until this issue gets resolved.

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 monetary relief
Consumer complaint received 2021-08-05
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 filed a complaint with Equifax to have so inquiries removed from my credit report, Equifax deleted 18 inquiries but did not delete the rest on my credit report I have 12 inquiries on my repor that I want deleted, I have screen shots of 12 inquiries remaining on my Equifax credit report that I want deleted I do not recognize these inquiries and would appreciate if Equifax delete these inquiries, I have filed a FTC identity theft report and sent to Equifax, you can not get all these inquiries on this FTC report, so Im sending the screen shots to Equifax and show them that the rest needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CADENCE BANK (MS)

Complaint:
My issue is with Cadence Bank 's online system verification that includes being able to pay my credit card. I have changed my telephone number contact number on repeated occasions with Cadence Bank customer service representatives and in the online website account information and the telephone number continues to revert back to a telephone number that no longer applies to me. 
Due to not maintaining bank records, the fraud department was not able to reach me on one occasion and denied a transaction I was conducting and the online verification process can not be completed and I was not allowed to log-in. The process produced the incorrect telephone number and asked if I wanted to receive a text message or a telephone call to complete the verification process. Since the telephone number is no longer good for me and I can not access it, the online system could not complete their verification process. 
I contacted the bank through their contact us link on their website and both times I received a canned response that my email was received and that I would be contacted as soon as possible by a customer service representative. I did not receive any response from their Customer Service with the last request sent to them on XX/XX/XXXX. If they are trying to reach me at the number they have on file, it is incorrect. I have corrected it many times including in correspondence of a previous complaint about this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4100.00}, {$390.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not my 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 2023-06-03
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. (AL)

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section Sta
tes : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
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. (PA)

Complaint:
I filed a complaint against Experian ( complaint ID XXXX ) to show proof of their verification process concerning this issue ( Identification number XXXX ) on my credit report. They didn't show any proof of how they obtained this information. They only sent me my credit report saying that it is verified. There's no information for me to contact the furnisher of this information. I tried contacting the court and i didn't receive a response. I sent a certified letter with a self address envelope for them to send me information about this issue. Can you please have them show proof of how they obtained this information. This is the courts address, XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX. If the courts verified that this belongs to me then please let me know how you reached them so I can address this situation. If Experian can't provide updated proof that the courts reported this information to them, and how they contacted them. Then please remove it from 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 2023-05-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

Complaint:
MIDLAND FUNDING LLC is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1700.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NJ)

Complaint:
Regarding Navient Account Number XXXX I was paying about {$130.00} monthly to Navient through autopay. 

I made a {$4000.00} payment last week to pay down my loan. 

I just checked my bank statement and found that Navient charged me {$190.00} for no discernible reason. 

I called Navient customer service to find out what the {$190.00} payment was for, and they COUD NOT tell me. Nor would they refund my money while they did their internal investigation. 

They basically went into my bank account and took an UNAUTHORIZED PAYMENT and can't even tell me what it's for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CT)

Complaint:
Citi closed my checking account on XX/XX/2022 due to suspected fraud. The account had been open a little over a week. The account had $ XXXX in it at the time. I attempted to make an XXXX XXXX purchase to a merchant and it was marked as fraud. An agent from the fraud department called me and I confirmed the transaction and I was successfully able to process the transaction. I then attempted to make another XXXX XXXX purchase with the same vendor and it was once again flagged for fraud when I called back again, they told me that they decided to end the relationship with me. Prior to this, this account was only used for incoming transfers from my external bank account and paying credit card payments. This was all the money I had, and I will now fall behind in all of my bills, waiting XXXX to XXXX days for my money. There was no fraud on this account whatsoever. I called a branch and they were also unable to help due to the notes that they viewed on the 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 2015-05-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (FL)

Complaint:
XXXX paid part of a bill for a medical XXXX fee in XXXX 2012 and failed to automatically pass the remainder on to my supplemental insurance company. I can get little information from XXXX about what happened to the remained as they do n't seem to know and can not get any information. The original lab fee bill to XXXX was in the amount of {$590.00} of which XXXX paid an unknown amount but failed to automatically send the remaining amount of {$200.00} to XXXX XXXX XXXX which has my supplemental insurance. I can get no information from XXXX about my account # so I can get no information there. I need to know how I can get XXXX to send this {$200.00} on to XXXX XXXX XXXX as I have been getting Collection Agency bills for XXXX years. Can you help me. We can not afford to pay this bill which we do not owe. We pay more than {$5000.00} a year for this supplemental insurance. Somebody has messed up on this bill, whether it is XXXX or their vendors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Complaint:
I have tried numerous times to create and online account to be able to make my payments easier and they will not allow me. I have tried calling numerous times and still they will not allow me. I have called them and last time verified all my information and still they said it wasnt me and would not allow me to speak about anything on the account, were very rude toned etc toward me. With my hours at work its hard to have to call and pay and now they wont even allow me to use an automated system to pay.

Company response to consumer: Closed with explanation