hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2017-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (MD)

Complaint:
DO NOT CLOSE THIS COMPLAINT XXXX IT IS NOT COMPLETED AT ALL NOTHING HAS BEEN RESOLVED THE LETTER THAT WAS WRITTEN ON XX/XX/XXXX IS NOT ACCURATE AT ALL THEY ARE LIARS AND I AM TIRED OF IT I AM SO ANGRY AT THIS NONSENSE WELLS FARGO DID NOT FOLLOW THEIR PROTOCOL AND PROCEDURES IN ADDRESSING A CLAIM AND THEY ARE TURNING THE FACTS AROUND AND BLAMING IT ON ME AND TRYING TO JUSTIFY WHAT THEY DID TO ME NO THIS HAS TO BE RESOLVED HONESTLY WITH OPEN COMMUNICATION I STILL TO THIS DAY HAVE NEVER RECEIVED A LETTER STATING MY CLAIM WAS DENIED AND HAVE NEVER RECEIVED THE RESPONSE FROM THE DENTIST MY ACCOUNT WAS DEBITED THE MONEY PLACING IT OVER DRAWN LEAVING ME IN POVERTY NOW THEY CREDIT THE MONEY BACK TEMPORARILY WHAT IS THAT SUPPOSE TO MEAN -SO YOU ARE GOING TO TAKE IT AGAIN WITH OUT NOTIFYING ME? 

I NEED THE LETTER STATING THE OUTCOME OF MY CLAIM AND YOUR POLICY ON HANDLING CLAIMS NOT THE VISA POLICY THAT IS NOT WHAT YOU FOLLOW, REGARDLESS I AM SUPPOSE TO GET COMMUNICATION ON THIS AND NEVER DID. 

THIS DOES NOT SOLVE IT IT IS STILL OPEN DO NOT CLOSE MY COMPLAINT PLEASES

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 2020-07-10
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: PlusFour, Inc (IL)

Complaint:
Plus Four is fraudulently and knowingly sending false information to XXXX, I have called them numerous times and they acknowledge it is not me but say there is nothing they can do to correct there error because there is someone in a different state with a different date of birth different Social Security number who owes them money. I have pleaded with them to go after the person who owes them money and leave me alone but they refuse. 

Plus Four has also been dishonest and try to say that perhaps i have a relative with a similar name, this is not true.

This is one of three collection agencies who have this problem with my stolen information. The other 2 were very quick to realize there error and immediately correct it, write me a letter as well as do a bulls eye not to remove the false information from my record. You continue to refuse. Please please do the right thing and correct what you know is wrong and do a bullseye to remove it. Thank you in advance 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 2019-10-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

Complaint:
I have sent 2 Certified Letters on XX/XX/2019 and XX/XX/2019 to Portfolio Recovery Associates, LLC to validate debt and provide me with a signed contract with my signature on the debt they say I owe them in the amount of {$690.00}. I have not received the information requested to Validate debt. All they send are statements from previous creditor that was charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

Complaint:
I have issues with some addresses on my credit report that I never lived at these addresses, it is possible that they belong to a family member or friend but never my physical address belonging to me. please delete the following addresses : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
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. (VA)

Complaint:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXXXXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details XXXX  % paid off Balance {$46000.00} Balance updated XXXX XXXX, XXXX Original balance {$45000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type XXXX XXXX Loan Payment summary XXXX XXXX XXXX XXXXXXXX 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 PAYMENT HISTORY LEGEND Status Account charged off. {$45000.00} written off. {$46000.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Past due amount {$46000.00} Original balance {$45000.00} Monthly payment - Last payment date XXXX XXXX, XXXX Additional info Responsibility Individual Terms 258 Months Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

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 2017-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (FL)

Complaint:
i went to sams club to make a purchase while checking out there system went down my card was charged and sams club refused to give me what i paid for i refused to leave and called the police bc i seen my card charged then the manager gave me a letter i called sams credit and disputed and sent them the letter and there refusing to take out this charge that i never recieved my goods for

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 2023-03-09
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: Experian Information Solutions Inc. (CA)

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing in regards to the accounts listed on my credit report. Upon reviewing the report, I have found several errors and inaccuracies that require immediate attention. 

Firstly, I would like to dispute the late payment account listed under my name with XXXX XXXX XXXX ( Account Number : XXXX ). I have not made any late payments on this account and request that this be rectified in your records. 

Secondly, the charge off accounts with XXXX ( Account Number : XXXX ), XXXXXXXX XXXX XXXXXXXX ( Account Number : XXXX ), XXXX ( Account Number : XXXX ), XXXX XXXX ( Account Number : XXXX ), XXXX ( Account Number : XXXX ), XXXX XXXX XXXX ( Account Number : XXXX ), XXXX XXXX XXXX  ( Account Number : XXXX ), XXXX XXXX XXXXXXXX XXXX Account Number : XXXX ), XXXX XXXX  ( Account XXXX XXXX XXXX ), XXXX  XXXX ( Account Number : XXXX ), XXXX ( Account Number : XXXX ), and XXXXXXXX XXXX XXXX ( Account Number : XXXX ) are inaccurate and need to be removed from my credit report as soon as possible. 

Furthermore, the collection accounts with XXXX XXXX XXXX ( Account Number : XXXX ), XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX ), XXXX XXXX XXXX XXXX Account Number : XXXX ), and XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ) are also incorrect and require immediate action. 

Moreover, I would like to bring to your attention that I have filed for bankruptcy ( case number : XXXX ) and would request that you update my records accordingly. The bankruptcy case number is XXXX and XXXX. 

Finally, I have noticed inquiries on my report from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX, which were not authorized by me. I request that these inquiries be removed from my credit report immediately. 

I believe that the above-mentioned errors on my credit report have caused considerable damage to my credit score, and I am requesting that they be corrected as soon as possible in accordance with the Fair Credit Reporting Act. Please confirm receipt of this letter and let me know when I can expect a response from you. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2021-02-16
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: JPMORGAN CHASE & CO. (CA)

Complaint:
On my reports there is a closed account with huge amount of missed payments. JPMCB CARD XXXX. Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA JPMCB CARD has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.

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 2020-02-18
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: TD BANK US HOLDING COMPANY (HI)

Complaint:
I had not used my Nordstrom credit card in a long time and in fact had misplaced it. I called to have a replacement card sent and waited for it to arrive. It never did. I called once again and requested a replacement and it finally arrived. The automated service was painful to navigate. 
I made purchases with my card. I called to activate my card and to activate XXXX XXXX. I asked about setting up auto pay and was told I had to do that through the website online and was given the website address. 
XX/XX/XXXX - I set up auto pay and made a payment for the full balance ( {$38.00} ) on my account through the website. 
I received the first billing statement dated XX/XX/XXXX for {$210.00} and there was a late payment posted along with a late payment fee ( interest charged {$3.00} ). Of note, the statement showed that a payment for {$38.00} was made. I then also received two letters by regular mail, both dated XX/XX/XXXX notifying me that my payment was declined and that I was unenrolled from auto pay. 
I called customer support to try to resolve this and was informed that my telephone number was listed as unreachable. I made a payment for the full balance of {$280.00} ( numbers dont add up ) on XX/XX/XXXX through the website and reenrolled in auto pay after confirming that my bank information is correct. 
Next billing statement on XX/XX/XXXX, the payments were declined and interest charged at {$4.00}. Attempts at resolving this over the phone failed. I was told I had to go to a store to make the payment. I returned some of my purchases and called to see if balance had XXXX. Then I was told I can pay the balance remaining over the phone. I paid using a debit card and requested my account be closed completely as I did not want to go through this every billing cycle. 
I applied for a credit card through XXXX on XX/XX/XXXX and was informed that Nordstrom had reported that I made a late payment so my application was declined. 
Multiple attempts with Nordstrom to have them delete this from my credit report failed. They said the reporting is accurate and that they tried to collect payment from my bank and failed. I informed them that no such attempts were made through my bank and asked them to provide proof of them trying to collect, they could not provide proof. They could also not provide proof that my bank information was incorrect. 
I feel it is unfair for me to be penalized and my credit damaged by a company that has a malfunctioning payment system that engages in fraudulent charging of late payment fees and malicious and vindictive behavior toward consumers who choose to terminate their financial relation with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

Complaint:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX, NM XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$700.00} ; XXXX  XXXX Balance : {$440.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$29000.00}.

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 non-monetary relief
Consumer complaint received 2023-04-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Complaint:
I have a debt with Capital One. I had my credit ran to see my debt to attempt to clean it up. After seeing my debt I started cleaning it up. Suddenly I received a certified letter ( XX/XX/2023 ) from XXXX XXXX  XXXX about a garnishment lawsuit that has been filed in behalf of Capital One. I made the call this morning ( XX/XX/2023 ) to explain Ive been trying to reach Capital One within the last 2 weeks to make some payment arrangements but, no return call as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Product: Credit reporting 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2019-08-22
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. (CA)

Complaint:
I just pulled my annual credit report and noticed several accounts that were opened in my name without my consent and was told to file a complaint to get the situation taking care of with the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ID Analytics, Inc. (MS)

Complaint:
XXXX XXXX said my credit score was XXXX points lower than it really is and caused me to be denied auto financing. I've never even heard of this company and I definitely did not give my permission for my personal information to be given to them. Their reasons for such a low credit score were not true either. XXXX XXXX will definitely never get any business from me in the future and I will make sure to let everyone possible know about these two companies and what they have going on

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 2022-04-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Health Care Financial Services, Inc. (FL)

Complaint:
XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX opened a collection account on XX/XX/2022 in the amount of {$780.00} in my name. They have used a collection agency called Account Resolution Servi to attempt to collect this fake debt. I have never heard of this company before. I do not know why they are trying to charge me for something when I have never used their services before. There are reviews from multiples people stating they have been victims of these false collection scams before by this company.

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 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

Complaint:
In accordance with the " Fair Credit Reporting Act '' this creditor has violated my rights. Under 15 USC 1681 SEC 602 states, " I have the right to Privacy ''. 15 USC 1681 SEC 604a SEC 2 it also states the consumer reporting agency can not furnish an account without my WRITTEN instruction. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer plan as late for ANY PURPOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (GA)

Complaint:
A debt collection company Transworld systems bought debt from wages military star card and they are charging interest on a debt that was sold to them and that I never signed contract with Transworld but with aafes

Company response to consumer: Closed with explanation