hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2017-10-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.

Complaint:
My account was paid in full in XX/XX/XXXX. In XXXX I received another bill stating that I owed them another XXXX as a minimum charge I asked what it was for they said it was written in the contract that they could charge this. I told them to cancel my card right then and there. which they did. Ok. so we are now into XXXX I get another bill from them stating that I owed them XXXX. XXXXfor the previous balance and XXXX for fees. Well I did consent to pay this just to get rid of them. But I got another bill in the mail today That is for XX/XX/XXXX Which states that I owe them another XXXX. They charged me another XXXX for a late fee and another XXXX for a minimum charge. This is down right XXXX and I am not going to give them another cent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE

Complaint:
I am an XXXX XXXX Service Member with almost 19 years of service. In XXXX XXXX, while attending a XXXX XXXX XXXX, I was told about the Barclays Gold Card benefits for XXXX XXXX Members. The offer sounded very good so I call Barclays to confirm what I was told about the 0 % APR with waived annual fees for as long as I was on XXXX XXXX. The customer service person that answered the phone confirmed that in fact all annual fees were waived as long as I was on XXXX  XXXX and I would receive a 0 % interest on all purchases. Immediately I was asked if I wanted to apply and I agreed. After taking all my personal information, I was told that I would receive approval notice in a few days. The customer service representative also said that in order to get the annual {$990.00} fees waived and the 0 % interest, I had to send some personal documents like my XXXX and XXXX XXXX XXXX. In XX/XX/XXXX all my documents were sent and soon after that I was approved with yearly fees waived ( {$990.00} ) and 0 % interest rate. Soon after the approval, I received on the mail the anticipated Barclays Gold Card Mastercard. In XX/XX/XXXX, I was mobilized under military orders to the XXXX XXXX in support of military operations. My Barclays Gold Card Mastercard became my card of choice to cover all travel expenses. Knowing that my card guaranteed me no annual fee and 0 % APR, I charged all expenses reaching around {$30000.00}. On XX/XX/XXXX I received a letter from Barclays Gold Card dated back to XX/XX/XXXX. The letter arriving so late was common because of my constant moving around the different countries in the XXXX XXXX. The letter stated that I was no longer entitled to the Barclays Gold Card XXXX XXXX benefits and they were going to charge me {$990.00} annual fee on XX/XX/XXXX. They also said that they will honor the 0 % interest. I find this to be an insult and abuse to Service Members. I was promised that the {$990.00} annual fees were going to be waived for as long as I was on XXXX XXXX along with a 0 % interest. I called and confirmed that with Barclays before applying for the credit card. I think proper action must be taken to correct this issue. I was misled by the company and I demand quick action to resolve this matter. I would n't have applied if I know they were not going to honor their promises. I have never been late on making any payments and I am committed to continue doing so. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
There was money on my card, and I purchased things but the transactions did n't show or approve the amount s in two da ys. I have an app which sends my money to my card but it 's not processing my payments because my transactions from the bank are n't being successful, it still says processing.

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 2018-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY

Complaint:
American Express keeps canceling my accounts. I do proceed with an application for a premium charge card then the card arrives within a day or two VIA XXXX overnight rush mail and after a few days AmEx cancels my account arbitrarily. However, they don't forget to charge the annual membership fee and collect on it which is upwards of {$550.00} for a platinum account and {$250.00} for gold accounts. When I call Customer Service I encourage to apply for a new card. I also receive mail solicitation. Every time I apply for a new card ( as recommended by CS ) my FICO score gets a hit. This has happened four ( 4 ) times already in the past 3 months. I feel I am being discriminated against and not sure what to do. Before all the applications my credit FICO score was above 800 which is considered excellent. Hopefully my plea for assistance will effectuate change and stop this criminal activity by American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: U.S. Auto Sales Inc.

Complaint:
I was in a financial Hardship where I lost my job and could no longer afford my car payments. O recently scarficed my right & the company came to repossesse the car informing that the car would be placed in a auction & the profit that is made from the auction would be placed towards my loan. I originally had another card from usauto sales that was a XXXX XXXX XXXX that I was paying {$180.00} for every two weeks however o traded it in for another car which was a XXXX  XXXX XXXX that supposed to be a push to start & the payment increased to {$250.00} every two weeks. Company told me that I can trade my car in after 3 years but didn't inform me that my payments will increase. Company did not want to work with me during financial hardships

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
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.

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was still found in my reports. The Equafax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to delete immediately : XXXX-Balance {$0.00} XXXX XXXX  XXXX-Balance {$0.00} XXXX  XXXX-Balance {$3900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.

Complaint:
IC Systems ( XXXX XXXX XXXX ) has called my home phone number multiple times since XX/XX/2017 looking for an " XXXX XXXX XXXX XXXX '', a person who does not live at this home. Has demanded multiple times confirmation of this address, as well as previous addresses.

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 2020-10-28
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: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I was an authorized user on my exes ( XXXX XXXX XXXX ) Capital One credit card. Though it reads that my responsibility was terminated, It is still reporting on my credit file that I can see, negatively. Since it was not a joint account and we requested me to be removed, that should not be an issue because the account was his. It was last reported XX/XX/XXXX is what it shows, the limit was {$300.00}. This account should be DELETED from my credit file altogether I also have a Capital One credit card account that does belong to me that was closed XX/XX/XXXX that has been paid off but is still reporting {$240.00} balance with a {$750.00} credit limit. 

I know that old collections have a heavy impact so I need to get them corrected for accuracy. I have 2 open accounts with this same company as well so maybe they are slow updating but it is affecting me greatly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-02
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.

Complaint:
This is account is incomplete and not mine. I'm ever sure who the creditor is maybe as it's not displayed but impacting my score. Also, if they believe this is my account, please validation of debt. Account # XXXX Here is the Second account listed as XXXX, but when I looked up the address it shows up as XXXX XXXX XXXX XXXX   for Account # XXXX. please provide validation of debt for this account as I'm familiar with it. 

I sent a certified letter to XXXX XXXX XXXX  XXXX requesting Validation of Debt as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-05-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC

Complaint:
I called the collection company Debt recovery solutions and told them it not me never been on that XXXX also dispute a couple of times and nothing. 
Debt Recovery Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc

Complaint:
I have no knowledge of this account or business and they proceeded to put a collection on my credit report. This company is fraudulant and attempting to collect a debt that is not owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.

Complaint:
I have reached out to XXXX XXXX Several times in attempts to Inform them that this account is no mine. I didnt open an XXXX XXXX account. At the time it states that it was opened my credit wouldnt have allowed me to get a new credit card. 

Please have this account removed, it is hurting my credit substantially. I have disputed this several times with the credit bureaus and contacted the business as well to no avail. Also I have asked them to verify that this is me via Name, Phone number, ID etc and. Nothing. 

Please have this removed asap. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: JH Portfolio Debt Equities, LLC

Complaint:
I have a pending complaint against this company. They are trying to obtain debt verification documents - as they do not have them. Despite not having them, during the past month they have affirmed XXXX that their tradelines are reporting correctly XXXX after I disputed them XXXX. THIS IS A SEPARATE DISPUTE FROM MY EXISTING DISPUTE. This is an outrage and an egregious abuse of the credit reporting system in the US. I demand the immediate removal of these tradelines until this dispute is resolved. How can they affirm their tradelines to these bureaus when they have admitted that they do not possess the needed documents? They should be sanctioned for this abuse of the credit reporting system. This is why the credit reporting system in this country is plagued with problems, they simply accept as truth everything they are told by third parties!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
XXXX XXXX XXXX has two collections on my file for the same item. I disputed it and not only is it still there..but they changed all the dates and balances. DOES ANYONE EVEN CHECK THESE DISPUTE RESULTS? XXXX XXXX account number XXXX was listed as a high credit of {$750.00} and a balance of {$750.00}. I disputed that this was the same account as their account number XXXX that showed a balance of {$5400.00}. 

The {$750.00} was the monthly rental on that property. Instead of removing the {$750.00}, they changed the balance to {$5400.00} so that NOW IT IS LISTED TWICE. So you have a high credit of {$750.00} and a balance of {$5400.00}????? And a high credit of {$5400.00} on the other with a balance of {$5400.00} ... .to add to this the open date is XX/XX/XXXX with the last activity date XX/XX/XXXX ( SEVEN MONTHS BEFORE IT WAS OPENED ) on one and last activity of XX/XX/XXXX on the other. 

It is as if someone is just throwing numbers at the credit bureau and the bureau lists it no matter how ludicrous the numbers are.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I do not recall opening an account with this creditor and they have failed to validate this account. I have asked for a contract bearing my signature along with a copy of my id and ssc, but nothing has been sent so how are you verifying this account as accurate. I was involved in XXXX data breach in 2017 and I do believe my information was compromised. You have failed to verify this account and proceed with reporting an account that may have been opened due to fraudulent activity. I am requesting that you remove this account one last time before I am forced to take legal action against you under the FCRA. Please remove account 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 2023-03-20
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: CITIBANK, N.A.

Complaint:
Debt Collection Law Firm in over 14 FDCPA and FCRA and CFPB violations. 

Have filed a frivolous lawsuit without answering and proving they are the holder in due course, have a signed contract with my name on it or have a contract to collect on behalf of Citibank, NA.

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 2018-10-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Carter-Young, Inc.

Complaint:
Ive had several issues with Carter Young agency. About a year ago, I received a mailed letter saying that a payment of {$1000.00} needed to be paid to remove this account from my credit report. I did not agree to pay this amount because I dispute all charges in connection with this account. I asked for a letter or validation instead. Upon asking I recieved a letter saying that {$2600.00} is owed with a list of charges but NO signed agreement. Keep in mind that I never had any agreement with this company. Ive asked for a written agreement on several occasions and have only received a list of charges totaling to {$2600.00}. About a month ago, I offered to pay {$200.00} to have this issue resolved. I do not owe them any money and refuse to pay {$2600.00} that I dont owe but wanted this removed. I called the agency about a month ago and spoke with a representative about this alleged account. The representative informed me that they will not accept the {$200.00}. She went on to say that she will accept a payment of {$2600.00}. I asked why the balance had changed from {$1000.00} and why the account is only showing on XXXX. The representative said Carter Young can change the debt to whatever they choose when they choose. She said they were running a promotion that made the balance {$1000.00} and whenever they decide to create a promotion they can. She informed me that I can either pay the {$2600.00} or continue to see the account on my credit. It doesnt hurt them, its my credit and Im the one who wont qualify for new credit lines. She said that if Carter Young decides to report the account to the other bureaus next month. I will have to deal with the impacts of not qualifying for a home not Carter Young. I am disgusted with the way I was treated as a consumer. It appears they feel as if in addition to them falsely reporting this debt, they can change the balance whenever they like. Not to mention, the threats of not qualifying for a new credit line to intimidate me into paying this unverifiable debt. They have no disregard to the way this debt continuously shows on my credit report. Now I am attempting to resolve this matter yet again. This debt is being unlawfully pursued by a company who can not verify or validate this debt and feels they can make their own rules at the my expence. According to the Fair Debt Collection Practices Act FDCPA I have the right to claim a validation of this debt and you are obliged to provide me with relevant documentation should you carry o your collection activities. As per an opinion letter published by the FTC reporting this collection is considered as unlawful collection action. In addition, debt collectors can not threaten consumers or intimidate us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.

Complaint:
I borrowed $ XXXX, I have already paid $ XXXX however my balance is stil {$29000.00}. 

I never received amortization chart and I never received the complete payment history I asked for. 

I feel this was predatory lending and I want to sue them. This should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.

Complaint:
I have tried to resolve this issue and still haven't been resolved. 
My rights are still being violated according to FCRA 15 U.S code 1681 Findings and statement of purpose 15 U.S code 6801 Protection of nonpublic personal information 15 U.S code 6802 Obligations with Respect to disclosure -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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