hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-02-07
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. (IL)

Complaint:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. 
I m disappointed! I dont know how to delete it from my name

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 2018-09-19
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: Innovative Funding Services, L.L.C. (LA)

Complaint:
My credit score is being affected by hard inquires made without my knowledge. I have been searching for a safe and reliable company to refinance my car loan with. While doing so my credit score has dropped. I have only given one company permission to run a hard inquiry and that was XXXX XXXX on XX/XX/XXXX I am seeing two other hard inquires that I did not give permission for. One from  XXXX XXXX on XX/XX/XXXX and Innovative Funding Services on XX/XX/XXXX. 
This is affecting my score and I would appreciate getting this problem resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-31
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: U.S. BANCORP (MI)

Complaint:
I received card ( debit/credit ) in the mail that I did NOT apply for and don't want. Did someone use my ss # to apply for unemployment in Pennsylvania? That's the reason listed as to why I got this card. That is what they did with my number in NY. Please fix this. My credit was compromised back in XX/XX/2020 and many charges were made in my name at that time. Please try and catch these unscrupulous people. Thanks

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 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a credit card approval. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX  / XXXX XXXX   XXXX  XXXX XXXX  XXXX   XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Focus Holding Company (GA)

Complaint:
On X/XX/2017 I reached out to XXXX XXXX ( Incident XXXX ) notifying them of my repeated attempts to correct their billing errors. I downloaded and printed the XX/XX/XXXX bill that reflects an incorrect billed amount as well as incorrect names on the bill. Only my name should be on the bill as is shown on my written contract. I provided a copy of my contract and details of their errors and received a response from XXXX XXXX in writing on X/XX/2017 clearly stating that everything is correct and notification that I will receive a late fee if they do not receive my payment in full by the due date. Since they did not wish to honor their written contract, I was forced to cancel services. Also made it clear that I was up-to-date ( clearly shown on last bill ) and would owe no monies due to their lack of interest in honoring their contract and immediate cancellation prior to their next bill. I called XXXX XXXX today and was notified they placed my account ( with the aforementioned known billing errors ) into collections with XXXX XXXX XXXX. If XXXX XXXX XXXX XXXX does n't immediately clear up this matter, I will contact FTC and immediately file suit through Consumer Fraud Legal Services. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Complaint:
Here us the Bank of America payments I made. All were before due. The bank lied and said I was late. Never was late. I also paid off the amount. The Bank of America never bothered to report to the 3 credit bureaus! 

This is an ongoing matter. The XXXX scored me badly from XXXX to under XXXX and accused me for not paying on time. XXXX  does have access to my bank! I paid it off!!! The BOA had to send me the rest of my amount from Secured Card. And BOA took the amount on what I owed and it s paid off but both were not reported to XXXX  or others.

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 2018-07-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (TN)

Complaint:
After receiving several unwelcome telephone calls from XXXX, XXXX XXXX  XXXX , MO XXXX AND having supplied same debt collector with faxed pages of evidence that bills to XXXX XXXX and their associate companies, I received a FINAL BILL notice of XXXX which is also not owed but the XXXX  sends me another bill in explanation of this XXXX which turns out to be a bill for {$1000.00}.

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 2015-06-24
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Delbert Services (VA)

Complaint:
I received a call at my office from XXXX and I told her not to call my office. She told me she was calling about a pay day loan and I said I did not have XXXX and that I have received calls about this for 2 years now. She said she would send me an email with the verification of the loan and what she sent me was nothing that could verify anything. I told her to stop calling me and she has called my cell phone and now has another man calling my cell phone threatening to put me in jail tomorrow. I have never had a loan with the company she states and says instead of owing XXXX I now owe XXXX but they will settle for XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Complaint:
On XX/XX/XXXX, I paid two bills with my Bank of America Mastercard. Bank of America Mastercard charged me a {$10.00} transaction fee for each payment saying that it was a cash equivalent. Never before have I been charged this fee. I called to find out how I could identify what companies would cause this fee to occur. XXXX at Bank of America said there was no way to identify these companies and that they could charge me the fee anytime they wanted based on a companies designation, but he said there was no way I would know the designation.

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 2020-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

Complaint:
Due to Corvid-19, my XXXX XXXX is literally shot down, I'm not making any money to pay my bills. I had called one of my credit cards today HSBC to arrange a deferred payment and I was horrified that they are willing to give me a 60 days deferred payments, however they will keep charging me interest during those 60 days, I believe thats unfair to the consumer thats not at fault for not being able to pay, how can you do that to a consumer mostly with the outstanding credit like myself, thats totally unfair and inhuman to do that. I have a XXXX XXXX credit card and they deferred payments for 90 days, waiving all the late fees and interest for the 90 days, so how can HSBC bank be so unfair. 
Hopefully there is something you can do to help with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (FL)

Complaint:
Ive been a Care Credit/XXXX XXXX cardholder for 4 years. During all of this time, my Credit Limit always remained the same. Initially, when requested they would never increase my Limit nor change it. Not even for emergencies or while having a high credit score. 

Now, that I finally received my dispute credit via CFPB & am satisfied with that resolution. There 's a consequence ... due to my CFPB request they seem to have decided to decrease my credit by A XXXX dollars. 

Its not fair. This sudden change does nothing for them. I have a perfect record with them, which is something they should be more concern with. I even increased my monthly payments amounts and owe very little at this point. In conclusion, this change only hurts me ( their customer ) by affecting my credit. The lower the CL is for an account, the higher my credit use becomes. I do n't plan on using the {$2800.00} but I just want it higher to benefit my credit score. If it was never changed in 4 years it should not have been changed now following my dispute resolution. 

I did reach out to XXXX XXXX requesting them to leave my Credit Limit as it was but they declined this. I waited over 1 month trying to work this out with them. I was told Corporate would be contacted twice and they never responded. Then, I reached out again and waited another 10 days for a decline letter via mail.

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 2023-01-06
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. (FL)

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Management Recovery Corp. (NMRC) (TN)

Complaint:
On XX/XX/2021, I was contacted by someone who appeared to be posing as a county clerk official and stating that I was going to be sued. They would not disclose any information regarding the " summons '' after I asked questions pertaining to the validity of this debt, but they provided me with an " affidavit '' number and a number to call the law office that was handling the lawsuit. Upon calling the number I was given, I was greeted with threatening language by someone named XXXX after trying to figure out what was going on. My first ever interaction with this company today, the representative hung up on me so that I could not ask any more questions. When I called back, I tried to get more information from them but was met with more threatening language that resulted in me feeling coerced to give up credit card information without the alleged debt being verified. This company claimed that they were a law office filing a lawsuit on behalf of the alleged creditor and I was going to be served at home, employers would be notified, all of my wages/assets would be seized, and I haven't even been able to verify debt. The information the representative had predates the contract in question by 2 years and I was not provided with written correspondence regarding these claims. After today 's antics I am certain that FDCPA rights are being violated. I did not sign a contract with National Management Recovery Corporation and they should be investigated for their collection tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Complaint:
I am very disturbed to find public records on my credit report without any apparent reason, and I can not tolerate this. I request you to eliminate these records and update my credit report accordingly.

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 2018-11-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (FL)

Complaint:
On XX/XX/XXXX, at approx. XXXX EST, I received a phone call from XXXX -- an employee of Paramount Recovery Services . The employee would not give her name. She stated I had a medical debt from XX/XX/XXXX and I needed to verify my personal information. I told her I was not comfortable giving her my personal information ; however, somehow she knew my personal information, including the last four digital of  my SSN. I immediately hung up the phone as I do not have an outstanding medical bill and my credit report does not reflect this six year debt they claim I have.

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 2022-08-04
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Brock & Scott, PLLC (SC)

Complaint:
On XX/XX/2022, I became aware that Brock and Scott PLLC, of XXXX, South Carolina are posing as lawyers on case XXXX, in XXXX XXXX XXXX Court of Pleas. This is a direct violation of title 15. There are no trustee 's associated with XXXX XXXX XXXX XXXX or any of his private property. I do not have a contract with these debt collectors. I have called and requested a W-9 for tax identification and was denied. I have no clue who this business is or who the work for.

Please take notice of revocation of Power of Attorney and all future trustees. Recorded in XXXX XXXX Record of Deeds. Bk 791 Pg 335. 

They can not collect a debt for anyone because I do not owe any debt. They are using my name and SSN to which they have no permission. Please see attachments. Any proceeding with XXXX XXXX XXXX XXXX must be submitted to SOUTH CAROLINA SUPREME COURT. XXXX XXXX is not a government entity. It is not a court of record. Which is why I am contacting this government agency to rectify the actions of these debt collectors. 

Brock and Scott have employed my name and XXXX. They can not have me on there books as a debtor because the emergency banking act is still active. All debt obligations are of the United States. This is fraud clearly. 

They claim to work for XXXX XXXX XXXX XXXX XXXX who is also a debt collector. This is fraud to me and the CFPB has been informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MD)

Complaint:
PayPal MasterCard has refused to allow me to use my email address to set up an online account to make payments, view transactions, and receive statements. I have spoken to customer service and other staff and managers with PayPal and have not received a solution. I have to make payments by phone or by mail.

Synchrony Bank is the servicer. PayPal and Synchrony Bank are blaming each other for the system error like children, instead working together to resolve the system glitch or whatever is causing this simple, mechanical issue that seems to be not accessible for 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 2023-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 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 2023-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (IA)

Complaint:
PAID IN FULL -- -- in response to letter sent XX/XX/XXXX XXXX LVNV FUNDING LLC/Resurgent capital services XXXX XXXX is REPORTING INNACURATE and fraudulent information and not validated INORMATION and continues to since Before XX/XX/XXXX, to Present, the balance is incorrect on A LVNV FUNDING LLC/Resurgent capital services XXXX collections account # XXXX ( closed / XXXX Or XXXX closed and paid even with the ACCOUNTS and TRADELINES ARE CLOSED AND OR PAID IN FULL. XXXX is reporting Inaccurate and fraudulent information as these accounts has been and is closed since XXXX and is PAID IN FULL. balances and all information are inaccurate as they are not factual Reporting LVNV FUNDING LLC/Resurgent capital services XXXX and all companies are negligent compliance by reporting this information as accurate when in fact, they are not XXXX XXXX has reported over several times as accurate when clearly, they are not. LVNV FUNDING LLC/Resurgent capital services and XXXX are violating My consumer rights and FCRA laws . LVNV FUNDING LLC/Resurgent capital services is I believe retaliating with unethical practices by providing intentionally inaccurate information as Resurgent capital services LVNV violated federal and state laws by garnishing funds that were exempt and continues to report inaccurate data to XXXX. This is one of several accounts of false information and reporting inaccurate information and Credit data. FUNDS were RECEIVED XX/XX/XXXX Filings Title : LVNV FUNDING VS XXXX XXXX Case : XXXX XXXX ( XXXX ). Any LVNV FUNDING LLC accounts and data must be DELETED from XXXX and XXXX due to violations of the FCRA and LVNV Funding LLC Be fined {$1000.00} to {$10000.00} per FCRA Violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (FL)

Complaint:
Complaint ID XXXX Hello Spoke yesterday with a gentlemen and went over my complaint situation with him and the response I received from American Express, that had no information about my complaint, or how they were going to resolve it. 
Receiving all my statements from American Express, since 2015 does me no good, as my complaint is how they are XXXX XXXX XXXX about when my bank says American Express received my last payment/funds and when they say they got them and applied them to my account! 
Now if they are " attempting to do this to my account ... What are they doing to others of their customers here in the United States? 
If they are just billing others the same way, it is really fraud and I am sure an illegal act! 
See my paperwork sent in from my bank, XXXX, and American Express said receipt of my payment funds. 
They do not XXXX 
I hope the CFPB gets to the bottom of this improper billing and the situation behind it ... for myself and other Americans and how American Express could be fleecing Americans. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
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: DISCOVER BANK (PA)

Complaint:
Called Discover after discovering that there were 3 unauthorized charges totaling more than $ 500+. I reported these charges as fraud and called Discover. I was worried that the charges would post to my statement, therefore negatively impacting my credit utilization, negatively impacting my credit score. The woman told me they would not post. I called the merchant and two of the charge were dropped off of my card. However, 2 days later I look at my credit card statement and the fraudulent charge is included on my statement. I called Discover back and XXXX told me that Discover had no obligation beyond refunding me to not include the fraud on my statement, and submitted the statement to the credit agencies including fraudulent charges.

Company response to consumer: Closed with explanation