hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2019-03-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (CO)

Complaint:
This is now my second complaint about this same matter, as complaint XXXX received a response from the debt collector and they admit to violating my rights under the FCRA and FDCPA. 

As I mentioned in my previous complaint, I was advised by my attorney to send a " Dispute/Validation '' Letter to them to validate the debt under the FDCPA and FCRA. I have attached the letter with my complaint. I mailed it " Certified Mail '' so that I would be able to verify that they received it. I have also attached a copy of the " Certified Mail Receipt '' so that you can see the tracking of this letter. You will notice that this was delivered on XX/XX/2019. Even though the delivery confirmation clearly shows that they received my letter, the debt collector did not send me validation, and instead chose to violate my rights under the FDCPA by the following : This debt collector has broken laws under the Fair Credit Reporting Act and did not address it at all in their response. Not only did they NEVER attempt to send me validation until I finally had to complain to the CFPB, but under the FDCPA Section 807 ( 8 ) they are in violation ( {$1000.00} fine ) as they did NOT notify the credit bureaus that these accounts were disputed. I pulled a credit report on XX/XX/2019 ( over a month since they received my validation letter ) and there are absolutely no notes from the creditor showing that these accounts were under dispute. I've attached that report to this complaint showing the dates, and the notes on the collection account. 

In fact, the debt collector admitted in their response to the other complaint that they didn't even submit the accounts to the credit bureaus until 23 days AFTER they received my dispute/validation request, thus violating my rights under the FDCPA Section 809 ( b ), FTC opinion letter XXXX from XXXX, This also carries a {$1000.00} fine. They did not validate the debt yet continued to pursue collection activity by reporting it to the bureaus, and continued to report to the credit bureaus. While I have the right to take them to court for violating these 2 laws, all I ask if for them to do what they should have done in the first place and cease all collection activity and remove these accounts from my credit reports, as demanded by law.

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 2023-04-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO HARRIS BANK NATIONAL ASSOCIATION (OR)

Complaint:
Received a notice dated XXXX XX/XX/XXXX saying the they were going to close my account. I called the number listed on XXXX XXXX and left a voicemail to an account that said I'd receive a call back by the end of the next business day. Received a call on XXXX XXXX from XXXX saying they had questions about transactions and referenced telling me something from XXXX of XXXX. I don't know what they were referencing and wanted to know what they had questions about. Was accused of being combative for asking and would like the conversation reviewed by you. They also requested Bank of the West to close the account I have with them - with no reason.

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 2020-02-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PMAB,LLC (GA)

Complaint:
I received a phone call from XXXX today, XXXX @ XXXX. The call was a XXXX, and it disconnected without any opportunity to speak to anyone. Through internet research, I discovered that this number is for XXXX, the collections XXXX XXXX XXXX. A medical debt collection 's agency. Their web site is http : XXXX 

This is the thing though. The call was a XXXX and I never had the opportunity to write down anything before they disconnected. In addition, I have never received any written correspondence from this company delineating the debt, nor any correspondence outlining my rights to dispute. 

In addition, I have had this cell phone for only 60 days, and no medical bureau with a debt that is old enough to reach a collection 's status would have this number. And as far as I know, I have no legitimate medical obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
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: CITIBANK, N.A. (FL)

Complaint:
I already have two XXXX XXXX branded cards so I had no need for a third. However, I am a frequent flyier and in XX/XX/2019, I accepted an offer to take out a Citibank Executive AAdvantage Card with the large {$450.00} annual fee because the contract guaranteed me free access for one year to their XXXX XXXX XXXX. However, all the XXXX XXXX are currently closed ( including the one here in my home base of XXXX ) and 90 % of their flights are not flying anyway. They have announced that the XXXX XXXX ( which were often packed with people at the best of times ) are unlikely to ever reopen with the kind of at-will access for which I paid {$450.00}. 

I have called Citi three times trying to get some sort of pro-rated refund based on the months I have remaining on my contract -- but Citi 's position is they are entitled to keep the entire fee. This seems like a blatantly unfair rip-off for a service they promised but are unable to deliver.

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 2022-09-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (HI)

Complaint:
I have been trying to resolve issues with chase bank collections team taking more than I agreed to. 

I dont have a phone plan because Im homeless, due to an accident I recently XXXX XXXX XXXX XXXX XXXX XXXX I was told by chase on XXXX I can use the XXXX  app to resolve this. And they dont ever follow up. They get the messages, they say theyll reply, and they dont. One person told me go into a branch, I went in and was as to leave because I smell! Im homeless, of course I smell! I cant help it!! 


Chase has stopped any reply to my messages!! I need help!!!! They are going to run the clock out and Im going to get hit with another round of late fees. They have already cost me {$60.00} dollars in returned check fees with my other bank and Im sick of this! Nobody has stepped in to help to accommodate my XXXX. 

I missed my payment on my plan in XXXX because i only had enough money for paying my last day of rent. In XX/XX/XXXX I joined a new payment plan. 
The total it gave me was {$320.00} for the missed XXXX payment plus the late fee and the new payment amount for XXXX. I was only given this option to pay this amount, so I scheduled a payment of it. There was only {$320.00} in that account. Chase collections took out {$120.00} dollars and then tried to take the {$320.00}. No where did I schedule a {$120.00} dollar payment. I got {$60.00} in returned check fees from my bank because they tried to take that {$320.00} twice. Why were these charges taken separately? It would be like collecting the missed payment in XXXX and then two payments for XXXX! 

I have been trying to resolve this and they never reply! I dont have a phone and XXXX XXXX XXXX XXXX! Going into the bank is not an option for me, I need correspondence in email because last time I was in the bank they treated me like XXXX because Im homeless and they kick me out. Look at the screenshot, I only scheduled ONE payment of {$320.00}. I have no notifications or emails saying anything about {$120.00} They have not accommodated my XXXX in spite of requesting one, they discriminate against me for being homeless, and they are not answering me. They will then charge me more fees because they say its all late when I have tried for over a week to get this resolved!!! They are already costing me money! 

When I do get a reply, they tell me they sent into the collections team and that team never answers! I was supposed to get a reply 5 days ago. Nothing!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
XXXX XXXX deliberately padded my credit card with late fees to report to the credit bureaus an over the credit limit balance. TransUnion subsequently bludgeon my credit score by downgrading it XXXX points.

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 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Complaint:
This is XXXX XXXX XXXX XXXX is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX -XXXX-Balance {$1400.00} XXXX XXXX-XXXX-Balance {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

Complaint:
The United States Bankruptcy Court does not report any information to the credit bureaus and is responsible for verifying or validating information from consumers credit files. Bankruptcy filings are publicly available.

The Bankruptcy Court has no interaction with credit bureaus, including XXXX, XXXX, and Experian. The Bankruptcy Court does not report information regarding bankruptcy cases to credit bureaus and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus.

Under the Fair Credit Reporting Act, both the credit bureau and the information provider ( that is, the person, company, or organization that provides information about you to a credit bureau ) are responsible for correcting inaccurate or incomplete information in your report. The credit bureau will verify the item in question with the creditor, who must respond within 30 days. After the investigation is complete, the credit bureau will notify you of the outcome. If information on your credit report has changed or been deleted, you will receive a copy of the revised 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 2023-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: EQUIFAX, INC. (GA)

Complaint:
UNFAIR AND UN-ACCURATE CREDIT REPORTING HAS LED TO MANY CREDIT DENIALS AFTER I APPLIED USING MY SOCIAL SECURITY NUMBER. I HAVE BEEN DENIED CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-06
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. (VA)

Complaint:
I contacted Equifax on XX/XX/XXXX, about unauthorized inquiries. I reviewed a copy of my credit report and the following companies ran an unauthorized credit inquiry on me on : XXXXXXXX  ran on XX/XX/XXXX XXXX ran on XX/XX/XXXX XXXX XXXX ran on XX/XX/XXXX XXXX XXXX  XXXX XXXX ran on XX/XX/XXXX I contacted XXXX  on XX/XX/XXXX, about unauthorized inquiries. I reviewed a copy of my credit report and the following companies ran an unauthorized credit inquiry on me on : XXXX XXXX XXXX ran on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ran on XX/XX/XXXX I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
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:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect, and unverifiable accounts that are keeping to be established as correct. Be sure to generate with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

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 2020-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY (NJ)

Complaint:
I deposited a check on the XX/XX/2020 in the amount of {$9200.00}. I was told that checks generally take 2-3 business days to clear. I was expecting that funds would be available in my checking account on XX/XX/2020. I called the bank to ask why there was a delay. They told me on the phone that there was a fraud alert and my check would take additional days to clear. The agent told me that the check would clear on the XX/XX/2020. 

I don't have any history with this bank and the check was a local check from a well know firm in XXXX which they could have verified on the same day. When I told the bank that I needed funds to make a payment they now said that I needed to come to the branch again to get the check verified. 

I don't want to believe that I was profiled by this bank but i have had experiences in the past where I have been profiled due to my name, race and/or ethnicity. 

The people I spoke to from the branch were very rude and unprofessional. I am requesting that any overdraft fees be waived as the bank made a purposeful decision to not clear my funds even after I made a request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

Complaint:
XXXX Location - Best Buy They promised us {$140.00} for tech support and was charged {$190.00} instead.Customer service with your company is nothing but a nightmare

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 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Early Warning Services, LLC (TX)

Complaint:
Hello, on XX/XX/XXXX, I opened a bank account with XXXXXXXX XXXX. They had a XXXX Zelle Registration policy, so by XX/XX/XXXX, I registered with Zelle and used Zelle to transfer between parents and lawn man. It is usually used when parents need money the majority of the time as it is quicker and doesnt have to be home to go and withdraw as I travel for work constantly. So, being able to send them when out at work is convenient. I have been using XXXX XXXX without any issues with this service but when XXXX XXXX had a cashback card, and better savings went with them. But on Late XX/XX/XXXX, Dad tried to send me money and had issues receiving the money. Ive tried contacting both Zelle and XXXX XXXX and unlinking Zelle from XXXX XXXX and still the same issue. The issue is that XXXXXXXX XXXX has flagged other accounts on those that have opened up Zelle after XX/XX/XXXX, because of a new user agreement, even though the one that was agreed upon was different and attached. I havent done anything different than on my XXXX XXXX account. The freeze on my phone and email have yet to be released even though I am confirmed that it is removed from XXXX XXXX  and be able to be added to my previous bank account. XXXX XXXX  says that should not be any issue that I have caused and all within the agreement, and Zelle wont say much about why. I tried asking XXXX XXXX, and they say they dont see what and that it is blocked. I am currently talking to XXXX XXXX  to cancel the account and have been trying to get Zelle back to XXXX XXXX as they dont seem to cause issues when using the account, but because of XXXX XXXX has not provided the reason why I can search and see but I don't see why when nothing has changed except bank accounts. Not sure if having dad and me having the same name is causing issues as well but should not as we go by a bit differently to avoid situations. I have attached screenshots of the chat from XXXXXXXX XXXX After researching found that Zelle is Early Warning Services , LLC, so hope they do provide the necessary response and solution to this issue and stay within the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
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:
I did not authorize anyone to use it. I have attached the necessary documents to support my claim.

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 2020-11-02
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. (NV)

Complaint:
Experian is reporting a inaccurate account that is in collections to my credit bureau. I uploaded the deletion document to Experian and have yet to see the account deleted. Letter submitted to Experian on XX/XX/20 for XXXXXXXX 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 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Complaint:
I have disputed the following with XXXX and the creditor directly. 

I have uploaded two copies of my credit report so the discrepancies can be seen on the reporting. 


XXXX 11 potentially negative months The payment and final agreement were made by my ex-husband, I did not even know the account was opened under my name & social. there was almost zero way to get the account number to even try to work with XXXX XXXX directly in the Beginning of me trying to resolve this issue. 

XXXXXXXX XXXX XXXXXXXX Collections XXXX shows opened XX/XX/XXXX payment legend shows only 3 months of collections {$1900.00} Incorrect Reporting on the date opened, showing the date the collections was opened. 
Also was not opened by me and the original creditor can not provide proof upon request. 

PORTFOLIO RECOV ASSOC Collections XXXX XXXX  {$3700.00} Incorrect date of delinquency Incorrect Reporting on the date opened, showing the date the collections was opened. 
Also was not opened by me and the original creditor can not provide proof upon request. 

PORTFOLIO RECOV ASSOC Collections {$520.00} Original creditor : XXXXXXXX XXXX showing opened date of XX/XX/XXXX- but synchrony Reported it delinquent before that Incorrect Reporting on the date opened, showing the date the collections was opened. 
Also was not opened by me and the original creditor can not provide proof upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
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: EQUIFAX, INC. (LA)

Complaint:
I kindly request that you promptly update my account with the correct and accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-09
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:
XXXX Inquired on XX/XX/2020 I Tried To Get A Apartment From This Guys

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 2021-07-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Complaint:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report and to this day 35 days later I have not received a response yet. I feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 35 days so they should be deleted promptly. Pursuant to 15 USC 1681B ( 2 ) they didn't even have permissible purpose to furnish such information in first place. I NEVER GAVE THEM ANY WRITTEN CONSENT. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation