hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2017-09-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Complaint:
Sometime in XXXX XXXX my Bank of America debit card was compromised and used to make a fraudulent transaction. I contacted BofA right away and they closed and blocked the debit card and issued a new card no problem there. Problem had have several accounts tired to that debit card that are billed each month automatically. One of those accounts being with the company XXXX XXXX. I no longer wanted that account so when I was notifying companies and up dating my new debit card information I intentionally DID NOT update the debit card information with XXXX XXXX so they could not charge my account. XXXX XXXX tried to  charge my monthly fee to the old BofA debit they had on file on XX/XX/XXXX and again on XX/XX/XXXX with no luck. Then on XX/XX/XXXXthey were able to make the charge to my new debit card some how. I contacted BofA and they stopped the transaction and reversed the charge. On XX/XX/XXXX I talked with a representative of BofA and explained to them what happened and asked how could that happen. I was informed that after making several attempts to charge my account with no luck all XXXX XXXX has to do is contact BofA and proof to them that they had been charging old debit card account in the past and were unable to now that BofA would give XXXX XXXX the new debit card information. What I want to know is is this legal and right for BofA to give out this information. I know you ca n't give legal advise but can you at least give me an answer to this. If I had wanted XXXX XXXX to have that information I would have given it to them myself.

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 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-14
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: JPMORGAN CHASE & CO. (FL)

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
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. (IN)

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
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. ()

Complaint:
XXXX XXXX XXXX HAS PUT A COLLECTION ON MY CREDIT REPORTS THAT I PAID IN FULL PAID XXXX XXXX XXXX PAID THIS DEBT IN FULL TO XXXX XXXX. XXXX XXXX XXXX SAID IT WAS CHARGED OFF AND I DON'T KNOW THE DIFFERENCE BETWEEN CHARGED OFF AND PAID IN FULL I AM NOT XXXX I KNOW THE DIFFERENCE BETWEEN CHARGED OFF AND PAID IN FULL. I PAID THIS DEBT OUT OF MY HARD EARNED MONEY IN FULL HAVE TALKED TO A LAWYER AND THE POLICE THE THEY SAID THIS IS MOST LIKELY A SCAM

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Client Services, Inc. (KY)

Complaint:
My father died onXX/XX/XXXX When I called to inform XXXX XXXX XXXX, they asked me a variety of questions, including my social security number. Unfortunately, I gave it to them. The next month a statement came with my name added to it. I have contacted them on several occasions to address the issue, but no one is willing to help me. I have asked that they send me individual monthly statements for the yearXX/XX/XXXX so I can see exactly when they added my name. I believe it was inXX/XX/XXXX. I have even asked for the contract my father signed to open the account. Now they are sending me out for collection. The amount they are seeking is {$810.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (NY)

Complaint:
When purchasing the vehicle I was informed by both Wells Fargo and the dealership that in order to qualify for the loan I was required to purchase gap insurance. I was never given the option to purchase the gap insurance on my own and had to pay the {$590.00} at loan closing. Since then I have tried with both the dealership and the bank to be reimbursed for this fee as I have since been informed that this is not a requirement in order to be qualified for the loan. The bank is refusing to reimburse any of the fees as well as the dealership.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MA)

Complaint:
I contacted Synchrony bank after my last payment in XX/XX/2022 and let them know I was having a hardship and would be late on payments until XX/XX/2022- I was informed that as long as I resumed payments by XX/XX/2022 my account would remain open. I was not offered hardship assistance. On XX/XX/2022 they closed the account with out notification which has now ruined my credit for the next 7 years and will prevent me from buying a car or a home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

Complaint:
As a responsible credit consumer, I would like to request that my address be updated to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and my only name on my credit report be changed to XXXX XXXX. This is important because accurate and up-to-date personal information is essential for the proper functioning of credit reporting systems. By updating my address, I will be ensuring that any future correspondence from credit bureaus, creditors, or other parties is sent to the correct location. Additionally, updating my name will ensure that my credit report accurately reflects my identity, which is important for both legal and financial purposes. I appreciate your prompt attention to this matter and thank you for your assistance in maintaining accurate credit reporting 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 2016-12-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (TX)

Complaint:
The Doctor has not submitted the claim to the insurance company. The doctor 's billing department admitted that they never contacted me in writing, nor by phone, nor by email that their was a doctor 's bill pending. The doctor 's billing department has informed me that they erred in submitting the payment to collection and has requested the collection agency to removed from it from the Credit Bureau over 30 days ago. The Collection has failed to comply and removed this item 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 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

Complaint:
Wells Fargo has placed a 30 DAte late on my credit report on XX/XX/XXXX on a account that was closed/sold in XX/XX/XXXX. I have been disputing this for approximately 3 months with no results only extension on behlf of Wells Fargo. I have now spoken to 10 representtative of Wells Fargo and nothing has been resolved. I have also place a complaint on thier Social Media page which caused some communication with an unknow n Representatvie of Wells Fargo and still nothing has been done. 

My Lender is unable to approve me for a Loan because of the nagtive 30 day reporting in XXXX on a XXXX Closed Account. I have also missed out on 2 homes that my family and I loved dearly wchih would of been our forever home. I have spoken to 10 Reps., 2 of which i did not get their names.

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 2021-11-24
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: A-L FINANCIAL CORP (CA)

Complaint:
During XX/XX/2021 I emailed A-L Financial from their website questioning why my car payment history doesn't appear on my XXXX XXXX or XXXX credit report. I never received a response and I didn't have a record of the contact form. Today I was looking over my credit reports again to see if they had taken any action and maybe just had not reached out to me. Again no sign of my car payments being reported. 

I called the office of A-L Financial in XXXX XXXX  and I asked why my car payment is not being reported to the XXXX credit bureaus. I was told they only report to XXXX and if I wanted to have it reported to the other XXXX I'd have to do it myself. I don't know if this is a legitimate option for a finance company or not but I've never had this happen to me. 
I have had my car for XXXX months and never late on a payment, I am trying to rebuild my credit and my credit reports all look different, they all have different balances in part because of the non reporting of this company. 
I purchased the car thru XXXX XXXX which is a huge dealership at no time during purchase or after wasI ever told that I'd need to report my car payments to the credit bureaus myself. 
After speaking with the finance company today I contacted XXXX XXXX to find out how I could report it myself and was told there's no way for me to do that. XXXX XXXX referred me to the FTC where I found your information. 

This is a complaint against : A-L Financial Corp XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ph # XXXX If this is in fact something they are allowed to do and I am unable to have them report to all XXXX credit bureaus can you please tell me how can go about reporting it myself. 
This seems awfully unfair and sketchy to me. Why would a financial institution refuse to report to all XXXX credit reporting agencies. 

Please advise, your assistance with this matter would greatly appreciated. I feel like I have been scammed. I bought the car to help re-establish my credit and this is like a set back. It's almost been a year since I purchased the car and I am not getting any points on my other XXXX reports for paying on time or generating a positive account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (TX)

Complaint:
Both XXXX XXXX and Midland Credit Management were both actively collecting on the same two duplicate accounts ( they all have different amounts owed listed ) at the same time. I have asked Midland Credit for proof of the debt/ownership and have yet to receive it, yet they still have had time to send me threatening mail and call me continuously. On my XXXX account, it shows that XXXX XXXX, only recently, closed the account on XX/XX/2019, with a pay status of " Current or Paid as Agreed ''. Despite this, Midland Credit has been actively harassing me with phone calls multiple times a day ( every day, including weekends ), that start at XXXX XXXX and go throughout my time at work. They have even sent various letters that threaten to sue me ( to various unverified addresses ) with one being delivered to my old address and signed by somebody else, with no intent to do so. A lot of the times I felt that they have even misinterpreted themselves as legal counsel. I have attached their most recent letter, that I've received, which is threatening legal action, as well as what both creditors have reported to XXXX. The only reason that I have not tried to resolve this issue with them directly is because I feel that this company is untrustworthy, from what I've experienced so far and would appreciate the help of a third party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (FL)

Complaint:
The Company PHOENIX FINANCIAL SERVICE has been calling my job and my personal cell phone repeatedly. I have advised them NUMEROUS of times that the medical bills that they are saying that I owed was already PAID for by my MEDICAID ( even provided my Medicaid ID number ). I also have evidence from the three Credit Bureaus that this was paid and already taken from off of my credit reports. Its for {$1200.00} and {$34.00}. I have sent letters repeatedly showing them that it was taken care of and paid for by Medicaid. Today I got a notice that they added this back to my Credit which made my score dropped nearly 100 points. They are stating that they are also Lawyers and laughing when I am telling them that I have proof this is paid for. I work for a XXXX XXXX and would like to take legal action if this is not removed from report and that they also need to stop calling me a harassing me. I am at work right now, but I will upload and send in all proof that this was taken care of no later than tomorrow. 

This is the Companies Information PHOENIX FINANCIAL SERVICE XXXX XXXX XXXX XXXX XXXX, IN. XXXX ( XXXX ) XXXX XXXX '

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (DE)

Complaint:
For the past 8 months Ive been actively trying to rectify errors on my report and Navy federal & the credit bureaus has been disregarding my rights according To the fair credit reporting act. 

The close date, charge of date, current status and date of last activity is incorrect and varies from each bureau. 

I was denied a mortgage today because of the discrepancies. 

I also attached a statement of truth for my and your records if i need to use this in the future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
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. (OH)

Complaint:
My data was involved in various data breaches, XXXX Data Breach, XXXX Data Breach, and Experian Data Breach. I have a number of unauthorized, inaccurate, and imcomplete accounts on my credit report that are hurting my reputation with the banking system. I am looking to get a mortgage very soon and these unauthorized and inaccurate accounts are hurting my chances. I did not consent to any of the unauthorized accounts or inquiries. This is unfair and inaccurate reporting that must be fixed immediately. I demand that you remove all inaccurate accounts immediately. Ive mailed in disputes more than a month ago and I still havent been responded too by the XXXX Experian or 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 2016-10-31
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collections Acquisition Company, Inc. (SC)

Complaint:
Payliance deleted this account over 2 years ago when I proved I had no such returned check for this amount ever. I want this deleted ASAP as they are reporting false information They are reporting a returned check for {$170.00} on XX/XX/XXXX I never wrote

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
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: Experian Information Solutions Inc. (NY)

Complaint:
I am a victim of identity theft

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 2022-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Complaint:
On XX/XX/2022 I received notice from my XXXX XXXX account of an XXXX XXXX 
Bank of America was checking on my credit rating. 
I did not authorize this. 
I have opened an investigation with XXXX. 
XXXX XXXX case # XXXX. 

On XX/XX/2022, at my place of business I received an Official Change - of - Address Validation. 
I did not and have not authorized any person to do so on my behalf. 

On that same day, XX/XX/2022 I received in the mail with my name on it a : Bank of America Visa  XXXX XXXX Credit Card.

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 2018-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (NY)

Complaint:
TD Bank/XXXX XXXX stated they would correct my status as paid on all three credit reporting companies, and they did correct on XXXX  and XXXX but not XXXX. XXXX  report has negative report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

Complaint:
At least 2 years ago I ran into problems with my bank over their claims that a check that I tried to deposit was fraudulent. At the time I had been trying to find jobs that I could do that were more independent, work from home and more like me being my own boss due to certain medical limitations that I have that prevent me from driving and that therefore get in the way of me being able to hold a full time job responsibly in a way that employers would be satisfied with. So one of these things was being a mystery shopper with a company I found on the internet in which they supposedly would send out a check for so much for me to then go mystery shop in different ways or for different reasons or things and get paid for doing the research. But the bank claimed the check I got was fraudulent. So I printed out all the emails pertaining to this and showed it to them, but they still wouldnt research it to verify whether or not if they may have made a mistake. So they froze my account and prevented me from either taking anything out of it or depositing anything into it and never let me retrieve my money out of it and now ( as of XX/XX/2021 ) claim that the accounts been closed and that they didnt keep or steal anything from me. But I know I still had money in my account that didnt have anything to do with any check ( {$140.00} ) back then and now it even shows on the XXXX website that I have cash still just sitting there. And recently, I began a new online business and my first payment of {$80.00} based on what the debit companies website shows mistakenly got deposited into that old account also due to how when you set up the account with the debit company they automatically pull up your banking info and enter it themselves. Which also tells me that the account isnt really closed like the bank is trying to tell me that it is if a place like a debit card payment company can still mistakenly pull it up as an open account. So I want my money back from this bank and for the account to really truly officially be closed. Thank you.

Company response to consumer: Closed with explanation