hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2018-02-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Green & Sons Agency, Inc. (MD)

Complaint:
ACCOUNTS ARE STILL ON MY CREDIT REPORT AND HAVE NOT BEEN REMOVED. 
ACCOUNTS OPENED UNDER MY NAME AS A RESULT OF IDENTITY THEFT. I SENT THE POLICE REPORT TO XXXX   AND NOW I AM SUBMITTING THIS FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
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. (FL)

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-24
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 (PA)

Complaint:
On XX/XX/2017 Portfolio Recovery Associates , LLC, opened a collection. 

Account # : XXXX {$610.00} that I owe I have never signed any written documentation saying I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written any consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 

Please have this removed from all three credit bureaus. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
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 (WA)

Complaint:
I opened my American Express cards from last year XXXX and hit the sign-up bonus and got my points in XXXX. Several days later after getting the points, they took them back and told me it's under review, which took them 3 months until XXXX this year to give them back to me. I had talked to many agents and they didn't really solve the problem. Afterward, I got other AMEX cards and got other points in XXXX. And yesterday as I was trying to transfer my points to XXXX XXXX to book my flight, the system said my account and points are being reviewed again! It's been like this on and off for 7 months! I talked to many agents in the meantime and all they told me was to wait and there is nothing they can do! I feel like being fooled around. According to AMEX terms, the points will be issued in 8-12 weeks MAXIMUM after I hit the spending requirement. And now it's 7 months and I still can't use them!!! What is the point!? Even if they decided to review my new accounts, why would they also freeze the points I earned from my old credit cards from last year??? This is like a trick to me. I really need to book the flight and now they froze my account and points. And there are no fraudulent or suspicious activities happened on my account. I even pay the full amount each month to my cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 and 60 days late in XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-29
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Paypal Holdings, Inc (FL)

Complaint:
Pay pal credit says I owe them money and turned it over to a collector. I do not have a pay pal credit card nor did I ever sign up for XXXX. The debt collector they hired has been calling me and my wife every day for the past 8 months. Tired of the phone ringing! I talked to them XXXX time before and told them to stop calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (KS)

Complaint:
At approximately XXXX p.m. XXXX on XXXX XX/XX/2018 I received a telephone number while I was attending XXXX   classes ( my full-time job ). The number that showed up on my caller identification was from ( XXXX ) XXXX and was listed as a " telemarketer. '' The female caller asked if I was " XXXX '' and was she speaking to him. I said " yes. '' The female caller ( whom I later identified as XXXX XXXX representing I.C. Systems ) began to tell me that I owed a debt of {$90.00} plus dollars for XXXX XXXX. After I told XXXX XXXX about the 'fact ' that I don't owe this debt and 'vehemently ' deny it being my debt ; XXXX XXXX began to engage with me in a very closed-off manner accusing me of cutting her off from speaking and telling me that she and her company aren't making money from this transaction. XXXX XXXX falsely represented the money she claims is owed to her and I.C. Systems. 

Earlier in 2018 I switched cable providers and informed XXXX XXXX as such. During a series of phone calls between XXXX and myself it was told to me that I no longer owed any monies and my account was " paid in full. '' I moved on. However, I then get contacted by XXXX XXXX who is purportedly representing I.C. Systems ( which when asked for the address of her company I was denied that address ) telling me I owed more money than XXXX claims which is zero! I reminded her that I felt she and her company were just trying to make money and that they had bought ( what she described as a contract ) this wrongful debt and was attempting to take money from me. I also told XXXX XXXX to never contact me again ( as this is a work number and I was in school and it disrupted a discussion I was involved with ). XXXX XXXX did falsely say that the telephone ( XXXX XXXX XXXX was the only number she and I.C. systems had. If that is so, why was the phone number she was calling from state otherwise as listed earlier? The fact is XXXX XXXX ( if that is even a real person ) and I.C. Systems are involved in a racket to manipulate innocent victims into giving them money which is criminal and thus should be punished as such.

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 2019-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Complaint:
I deposited a check to my checking account eight days ago. I found out the bank the check was drawn on had paid the check days ago. My bank refuses to release the funds. I called my bank and asked repeatedly for an explanation as to why and the bank specialist hung up on me. Why do they get to have my money and refuse me access to it?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Commonwealth Financial Systems, Inc. (TX)

Complaint:
comapny will not provide me verification and validation of debt yet continue to report this on my credit report. This debt is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
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: Experian Information Solutions Inc. (MD)

Complaint:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items 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 are not relating to any transaction by the consumer. 
XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX OF XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX VERIFY XX/XX/2022 ; XXXX ; XXXX 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 explanation
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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


XXXX XXXX Account XXXX, XXXX  XXXX Account XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 explanation
Consumer complaint received 2022-12-12
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: World Acceptance Corporation (MO)

Complaint:
Under the UCC, I have a right to request accounting. Please provide the original ledger and/or authenticated record for this alleged debt. Please provide the accounting or proof that you lent me anything. UCC 9-102 ( 7 ) states Authenticate '' means : ( A ) to sign ; or ( B ) with present intent to adopt or accept a record, to attach to or logically associate with the record an electronic sound, symbol, or process. UCC 9-102 ( 70 ) states Record '', except as used in " for record '', " of record '', " record or legal title '', and " record owner '', means information that is inscribed on a tangible medium or which is stored in an electronic or other medium and is retrievable in perceivable form. You are required to send all documentary evidence. 15 USC 44 Documentary evidence includes all documents, papers, correspondence, books of account, and financial and corporate records. 

Please provide verification of the claim against me. This means a sworn affidavit or a hand signed invoice in accordance with the UCC.

This debt is listed as a charge off on my consumer report. Please provide a 1099c for this alleged debt. The IRS says that charged off debt is ordinary reportable income to the alleged debtor. If you refuse to do this, I will file a 1099c complaint which would then initiate them to file a form 4681 as well as a 3949-A Corporate Tax Fraud complaint and contact you. Charge offs are not debt.

You have also used my consumer report as a form of punishment and bringing harm to me by reporting this fraudulent account on my consumer report. That is aggravated identity theft. 18 USC 894 ( a ) ( 1 ) and 18 USC 894 ( a ) ( 2 ) states : Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.

I have sent you a cease and desist letter as well. You continue to violate that federal law as well. You are still communicating indirectly through my consumer report. According to 15 USC 1692c you are prohibited from communicating with me.

Please know that I have every intent to file suit if this is not resolved within 15 days. You have repeatedly violated my consumer rights. There is no law stating I have to send you a police report signed by a notary. Again, I will not hesitate to file a suit if you continue to break Federal Law and violate my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 


1.XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2020-06-17
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. (IL)

Complaint:
The companies are reporting inaccurate 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 2020-09-26
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (PA)

Complaint:
After the COVID-19 pandemic, PA Unemployment issued monetary assistance ( PUA ). This was issued in the form of a debit card ( USBank Reliacard ) managed by US Bank. The card was functioning until XX/XX/XXXX when my account was flagged for fraudulent activity. I was not notified nor did their app/website have any useful information on what to do. My first few attempts to contact costumer service the number on the back of my card would fail every time, after doing research I finally found a number that I could get through to someone. They explained they just needed me to upload documents to verify who I am. After uploading my Social Security Card and State Issued ID to their website and waiting 48hrs ( which is how long they told me it would take to verify my identity ). After waiting the 2days I called back and was informed that my since the billing address on my ID was old I would also need to upload verification of my current address, and so I did and waiting another 48hrs. Upon calling again I was told that they could not view my documents because the file was not in PDF So in order for them to view my documents I needed to re submit my documents as a PDF file instead. Again after 48hrs I called back. This time finding out that I needed to Fax my documents. At this point in time multiple bills I had connected with my Relicard have been declined, I have XXXX XXXX   in which I take care of in need of food, school supplies, and basic essentials. After once again waiting another 48hrs I called back and all I was told is that there was no message for them to unlock my account and that I needed to wait 4-5 business days. When I heard this information I asked to speak to a supervisor who said that he can put in for my account to be viewed faster. Now it is XX/XX/XXXX, costumer Service has been no help, the Supervisor has been no help. There is no email for Reliacard and no other way to contact anyone who could possibly help and/give me information as to why this has happened. USBank has stolen my money, gave false Guarantees and put me and the 2 children I care for in a situation were we can not get access to basic human needs for nearly a month now, during the COVID19 Pandemic.

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 2020-02-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Monarch Recovery Holdings, Inc. (AZ)

Complaint:
Calls work, I have never left a voicemail and they are complete XXXX artists.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Complaint:
This bank is not doing their job they still have yet to reimburse me for my claim they are doing whatever they want with my account they are not handling my concerns properly or professionally people like me are still trying to get back in order after these past 2 years of XXXX I need my funds released from this bank sooner then later theres no reason I am being told everyday that its pending then told Im denied but its still pending investigation that doesnt make any sense I want my claim reopened and treated fairly and respectfully and properly this bank should not over see anyones funds at this point this bank has become a major problem in my life I need my XXXX dollar claim approved and I need to be reimbursed for this like they said they would because I need my money now iv faxed them documentation police report number my drivers license as well I want my money out of this Irresponsible bank now not later they take forever just to fix my claim then they approve me for one claim saying it was error on my account then under that same card and account telling me it wasnt no error made make it make sense Im doing their job for them its bad enough they claims department did not dispute all my unauthorized transactions like I asked I found that out this year so they had to go back to last year to fix the account they just paid me out for transactions from last year they system is weak I never seen a bank XXXX its customers over so much Im entitled temporary credits on that claim especially after all the XXXX iv received from this bank so can the cfpb please make sure they release my credits properly and Expeditiously because I have my kids to look after and Im depending on my money to be returned to me Bank of America has made easy for these criminals to steal from their customers Im not liable for this claim I know it and Bank of America knows it to they just like to do whatever they want to people amd their money its not ok this bank is horrible the worst bank on earth they can not be trusted with anyones money at all 2 years of this horse manure is enough and I would like to sue this bank for pain and suffering and bad buisness practice with my personal 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 2020-08-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

Complaint:
I have received 2 charges from Insight Capital that I did not authorize. Today I received a notification again that they attempted to withdraw money from my account ( without prior authorization ) but luckily my account is overdrawn so they weren't able to. However, every 2 weeks, during my payday they withdraw money from account without consent.

Company response to consumer: Closed with explanation