hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Complaint:
Trans Union and XXXX report it on my credit report that this account is still at 94 % debt to income ratio balance owed in the amount of {$490.00}. I have contacted them letting him know that this account was paid in full they took XXXX points. Drop my credit score.. trans union and XXXX lowered my credit score for the second time with this XXXXXXXX XXXX XXXX XXXX. I dispute this with them twice and they rise my score. Someone in companys office is making this mistake and I kept getting penalizing for their errors.

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 2021-09-20
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. (FL)

Complaint:
Hi, I am very depressed from the fact that I have fake accounts in my profile. 

Could you please investigate this situation and after you check please remove these items because they are not mine and obviously its error in reporting! Remove them ASAP Items are : 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 XXXXXXXX

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 2015-05-31
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (NY)

Complaint:
In XXXX I was solicited to use blank checks mailed to me by Chase Bank for a 2 % fee % 0 % interest thru XXXX. I accepted the but first called cust svc for CLARIFICATION AND CONFIRMATION of the offer. I was told I could write a check for 2 % fee only and no additional information.. This call was made SPECIFICALLY, so as not to be negatively surprised ... The rep DID NOT VERBALLY TELL ME THAT MY CHARGE CARD BALANCE WOULD NOW BE CONSIDERED A " REVOLVING " ACCOUNT.Previously I ALWAYS paid the bill in full each month! My established pattern of payment was to NEVER pay interest and ALWAYS receive monthly rewards. The consequences, therefore of my acceptance were deceiving and misleading. The verbal OMISSION to CLARIFY the COMPLETE offer, to me, was of CRIMINAL INTENT, in my opinion! The wording states that " unless you pay in full, every month, you will pay interest '' Why, and how would I pay the borrowed {$12000.00} in full, the month after I already paid {$240.00} fee, in full, for the useage of the cash for XXXX months at ZERO % ..?????? This CLEARLY is/was a " bait and switch '' tactic ... deplorable, sinister, and attempted EXTORTION ... .but LEGAL! Supervisor XXXX XXXX defended this trickery and would not cancel the {$18.00} interest charged. She advised me not to use the card until I finished paying off the loan TO AVOID ADDITIONAL INTEREST PAYMENTS ... I sent a CERTIFIED letter to Chase XXXX XXXX protesting this deception. I have NEVER received a response.. I paid the loan in full within XXXX months, less accumulated interest, which is now {$380.00} They are now charging me {$39.00} per month " late '' charges in addition to additional interest! .Amazing the deception and lies to the consumer ... .. '' 0 % '' for XXXX months for only 2 % fee ... .Additionally the wording of their offer is ambiguous at best ... '' This offer includes a fee of 2 % " of the amount of each transaction '' ... .. '' Once you take advantage of this balance transfer offer, you will have a new balance on your account. This means interest will be charged on new purchases you make with your credit card, unless you pay the entire balance, including any transferred balances IN FULL EACH MONTH ... There never was a BALANCE TRANSFER, but a " TRANSACTION, ONLY '' ... therefore the balance transfer commentary NEVER APPLIED to me! In conclusion, in retrospect, this offer was clearly designed to LEGALLY EXTORT money from unsuspecting customers who were amazed at the generosity of the bank ... this practice is UNFAIR, and criminally deceptive at the minimum ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
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: CITIBANK, N.A. (CA)

Complaint:
Hello, On XX/XX/2020 when the COVID-19 pandemic started. I wanted to cancel my international flight since at this time, the USA was at stay at home orders and the borders have been closed. My flight was for XXXX. I tried to get in contact many times with the airline and no response. They would just hang up or lie and say I got the wrong number after I asked about cancellation. So I decided to file a dispute with my credit card, to file a dispute on this transaction. They gave me a temporary credit of {$140.00} USD, which is how much I paid for the flight. 
During this time, I still tried to get in contact with the airline and still no response. 
XXXX came and went. My flight passed. 
So now is XXXX, still tried to contact the airline and no response. On XX/XX/2020, I notice on my credit card billing, that Citi has closed the dispute and decided on the merchant 's favor. So they reversed the transaction of {$140.00}. 
I don't know why they decided in the airlines favor, especially when my flight was in XXXX. So I have no flight, no refund, no nothing. I try to contact the bank, I have been on hold for 2 hours and I get hung up on. I don't know wha else to do.

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 2017-03-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (VA)

Complaint:
I do not owe this debt. I changed insurances in XX/XX/2011 and have not had XXXX since then. Also I have never owed any balances since I canceled the policy and changed to another insurance before the next month was due. This debt collection is attempting to collect illegally a debt that does not exist. Also I 've never lived in an apt as they have listed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (FL)

Complaint:
I have a debt collection report to my credit report that I do not authorize I would like to get it remove from all 3 credit bureaus immediately it do not belong to me Agency name : CONSUMER ADJUSTMENT CO Amount : {$1100.00} Account Info Account number XXXX Contact & address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
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: EQUIFAX, INC. (CA)

Complaint:
PLEASE REMOVE RANDOM INQUIRIES REPORTING ON MY CREDIT REPORT WITHIN 4 DAYS XXXX XXXX NA - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (LA)

Complaint:
I asked that this company validate this account. They sent a bill which does not show any written agreement that I owe this company any monies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ECMC GROUP, INC. (NY)

Complaint:
It has been over five years since ECMC has first contacted me about a student loan debt that is not mine, that was the first time Ive heard about the 1987 debt, I have written many letters explaining the debt is not mine, and it may have been obtain through fraud, at my request they sent me a copy of the original contract and a default judgment, the SSN, middle initial, address and signature are not mine. I have never attended the school listed on the contract, they have created a computer generated document with my correct SSN and attached it to my name. 
I believe ECMC has continued to force this debt onto me for financial gain, which has cause me many pain and suffering

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 2023-07-28
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. (FL)

Complaint:
I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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 non-monetary relief
Consumer complaint received 2020-07-09
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. (NC)

Complaint:
Contacted XXXX XXXX XXXX numerous times concerning open installment loan. Showing on report paid in full on 1st auto ; FINANCED 2nd auto the same day. CFPB won a XXXX XXXX civil suit against XXXX XXXX parent company for inaccurate and non reporting. My main issue. Consumer wasn't told. They lied and said software update for 2 years. Disabled IT Technical Represenative need credit to show open installment loan for past 5 years. They refuse to send info too credit bureau. Corporate or local branch. Tried to trade auto for 2 years. NO OPEN INSTALLMENT LOAN MAIN DENIAL. PLEASE HELP THANK YOU P.S. NO HELP DURING COVID ; KNOWING PRIOR ISSUE WITH NON REPORTING HINDRANCE TO MY CREDIT. THREATENING TO CHARGE OFF {$2100.00} AFTER I'VE PAID {$12000.00} AND PAID IN FULL FIRST VEHICLE THAT ENGINE DROPPED OUT OF AND I CONTINUED TO MAKE PAYMENTS UNTIL I FINANCED 2ND AUTO WITH THEM. LETTER SENT TO ME OF HOW GREAT OF A CUSTOMER I WAS. REALLY?!?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Complaint:
On XXXX XXXX I had opened up a dispute with BOA XXXX Credit card. I had informed that the XXXX XXXX XXXX that I had returned a defective jacket. XXXX acknowledge the defect and return. The sent out another replacement jacket but it never arrived. I in turn requested a full refund of {$850.00} and was credited by XXXX XXXX. BOA XXXX CC was suppose to credit the full amount of {$850.00} but it was never credited to my account. This in turn cause the dispute between myself and BOA XXXX CC. This resulted in the late payment. 
I have provided the necessary document on the return, pic of the defect, and follow email of the non arrival of the replacement item. I still have the corresponding email between myself and the XXXX vendor. I can provide all of this to help prove my case. 
XXXX  Credit reporting number : XXXX I have also paid the amount in full to BOA in hoping to avoid further late charges and negative reporting. and hoping to resolve it through the credit reporting.

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 2023-01-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (MI)

Complaint:
The beginning of the new year, I reviewed my credit report only to find and erroneous collection effecting my credit. Never once did I receive a letter of representation about this collection agency claiming I own XXXX XXXXXXXX XXXX money. 
I never opened a XXXX XXXXXXXX account, ever After speaking to my lawyer, he advised me to send a letter of dispute to the reporting collection agency that is reporting negatively on my credit report. This evening I received a garbage statement that tells me nothing. Nothing itemized, no contract with my signature, just a piece of computer paper that shows a balance owing This is not validating the debt. I want the original contract showing my signature, purchases, and payments made Again, as I stated earlier in this complaint, I never had a credit one account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
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. (AZ)

Complaint:
XX/XX/20 and XX/XX/20 Equifax processed/ran 2 fraudulent credit inquiries made by XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, NY XXXX. 
I have communicated with Equifax and XXXX since XX/XX/20. I had informed both of them that I do no business with XXXX - no account, credit card, loan or anything. 
My Equifax communications via telephone started XX/XX/20 to dispute above fraudulent inquiry, XX/XX/20 to place fraud alert ( which was done. ) On-going communications included calling about their dispute resolution outcome - I didn't create Equifax account to review their outcome online but called and was informed the XXXX inquiry would remain on my credit report. On XX/XX/20 I received another alert from my credit monitoring service for another fraudulent inquiry by Equifax - again listing the XXXX listed above. XX/XX/20 I called Equifax and was given information on how to file a complaint with Equifax. 
My XXXX communications via telephone started XX/XX/20. I made on-going telephone calls for days to XXXX and was transferred to every imaginable department they had, provided exhaustive personal information and told they didn't see an account, credit card or loan application/created in my name. I also spoke with their Identity Theft Solutions Department with same outcome - nothing in my name or social security number. When I received the second alert on XX/XX/20 and called XXXX Identity Theft Solutions Department on XX/XX/20 and today XX/XX/20 - both times they told me they didn't see anything in my name or social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
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. (MI)

Complaint:
There are   XXXX   accounts that are reporting 120 days late from  XXXX ,   XXXX   XXXX   XXXX   XXXX   account and   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX     XXXX    account. I have been attempting to contact these lenders to correct these errors that have caused my credit score to plummet and I am unable to obtain a mortgage. Also all of the above accounts are apart of a loan consolidation so how are they reporting late and the consolidation loan is in good standing. I contacted the FTC last year and they corrected this error so why is   XXXX   reporting this way again this year.

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 2021-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Complaint:
Capital One was offering {$200.00} credit to apply for their Quick Silver credit card. I applied for the promotion and my credit card was approved. Terms of the original application and email that Capital One sent me, clearly stated that a {$200.00} statement credit will be offer to new approved customers. Once the card was received at my house i started using the card and i spent the {$500.00} listed on the offer in order to obtain the advertised {$200.00} credit. When i received my first statement, the advertised {$250.00} credit was not added to my statement. I called Capital One and the told me that they didn't give me the {$200.00} because i didn't qualify for the promotion. Capital one never gave me a counter offer to accept nor told me that i did not qualify for the original offer that i was applying for. I requested Capital One for documents stating that i was not approved for the original offer and that a counter offer was given to me. Capital One never replied back. 
In conclusion, Capital one lured me in by sending me an email with a promotion that they never offered. They made me spend {$500.00} in their credit card putting the false idea in my head that i was going to received {$200.00} credit. They made me sign documents, give private information and never send me a counter offer. I never applied for the card they gave me and they are clearly false advertising and offering false promotions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
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. (FL)

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. 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 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
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. (CA)

Complaint:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. ( 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 non-monetary relief
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
I called XXXX last week XXXXXXXX XXXX XXXX  I have stressed to XXXX to stop reporting my private information and XXXX said they did STOP and they would not report to 3rd party companies or Financial institutions such as XXXX, TransUnion and XXXXand Im still seeing that its still reporting my private information as of XX/XX/2022 I told them Pursuant 15 usc 6801 that I have rights to my personal information being shared to Financial institutions.

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