hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-07-26
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: Bread Financial Holdings, Inc.

Complaint:
This company provided the most inept, frustrating customer service experience of my life, wrongly withholding {$250.00} from me for nearly XXXX months as a result. 

On XX/XX/XXXX I received an email informing me of a {$250.00} rewards redemption on my XXXX card. It was clearly fraudulent. I responded to the email and messaged Comenity through the website to tell them it was fraud. I also called the company and spoke to someone for over an hour detailing what happened. 

I received no communication from the company for several weeks, and then months. When I messaged them through the website, I got stock replies. When I called, I got conflicting messages from their customer service personnel which left me with the impression that no action was actually being taken. 

XXXX months after my initial complaint, they sent me a letter asking me to write them and describe what happened, even though I had already explained the situation multiple times on recorded lines. They clearly had not been doing anything to process my complaint. After I wrote them, they replied with Thank you for contacting us please allow up to 90 days for us to complete our investigation. No acknowledgement that this was an ongoing case. No recognition that I had been trying to deal with this for months. Nothing. 

Later in XXXX, I complained to them on XXXX. They messaged me back, telling me to call the rewards center. The folks at the rewards center said they had no record of my complaint, and no open dispute! After XXXX and a half months, all my attempts to get their attention had produced nothing in their organization. Nobody was talking to each other. 

Eventually, I went back to the XXXX customer service person, and they were able to investigate the issue and restore my rewards balance in less than XXXX hours! They had the ability to handle it the whole time, but instead the company strung me along for months without communication because of their ineptitude and contempt for me as a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Credit Bureau, Inc.

Complaint:
Is not mine account because they have with my different last name XXXX XXXX and they have XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I made three deposits, XXXX, XX/XX/2018, XXXX, XXXX, XXXX, XXXX. Well Them I paid my rent, which included some back rent, then paid the rent for XXXX. All totaling about {$1900.00}. The checks bounced and when I checked, there was a verification hold on my account. I called the number, several times, only to be sent to a voicemail. I tried other ways, but always got sent back to the voice mail. It said they would call me back. They never did. Now I'm in danger of being evicted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
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: LEXISNEXIS

Complaint:
XXXX has this False bankruptcy information showing on my report. I have already disputed with the credit bureaus via certified mail and have gotten no response. I have contacted the County Clerk at the court and they have also stated that they do not furnish any information to the bureaus so the bankrupcty on my credit report is illegal and damaging to my credit score. You have failed to conduct a truthful investigation into this PUBLIC RECORD within the provisions of consumer laws. NOT IN COMPLIANT! Its impossible that you indeed investigated or even attempted to look into these public record listed below because I asked the court clerk if they verify records with the credit bureaus and they stated and send me a attached letter that they do NOT, so how did you legally verified this? For example, court name is not accurate each credit reporting agency must report the actual name of the court, followed by city, state. You are required to obtain verification from the DATA FURNISHER and the court told me that they don't verify with you, so HOW is anything else considered legal verification? I need you to send me the petition to verify this account. If you can not do that, then this needs to be removed and permanently deleted. I will be forced to sell remedy in court if this issue is not taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
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.

Complaint:
ive recently checked my consumer report and noticed that there were a few unauthorized inquires that I did not apply for nor gave consent to anyone, these inquiries are fraudulent and needs to be blocked and removed according to 15 usc 1681c-2-a ( blocking information resulting from identity theft ) also this dropped my credit score where on of my credit cards limit dropped due to my score decreasing from those inquires in question, Inquiry 1.XXXX XXXX XX/XX/2023 Inquiry 2.XXXX XXXX XXXX  XX/XX/2023 Inquiry 3.XXXX  XXXX XXXX  XX/XX/2023 Inquiry 4.XXXX  XXXX XXXX  XX/XX/2023 according to fcra 15 usc 1681n- willful non compliance-15 usc 1681n ( a ) ( 1 ) ( a ) any actual damage sustained by the consumer as a result of the failure damages not less than {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CONTRACT CALLERS INC

Complaint:
Summary : -No initial notice of delinquency was received as required by FCRA 623 7 ( A ) ( Notice to Consumer Required ) ; most certainly nothing was sent that was clear or conspicuous per FCRA 623 7.  Creditor has not been able to provide any verification to support that it was sent. 

- Dispute was not resolved within 30 days ; there were no extenuating circumstances that would allow for 15 day extension. 

- When XXXX was asked they were unable to provide a description of the procedure used to determine the accuracy and completeness of the information as required under FCRA 611. 

- Creditor has not been able to to provide verification after reinvestigation as required by FCRA 623. 


Detail : I requested a dispute through XXXX ( dispute report XXXX ) on XX/XX/2020 against a company called Contract Callers that's on my credit report showing collections against me. I supplied XXXX with the information that this was incorrect. 

On XX/XX/2020 I received a message saying my dispute is complete ( 35 days after dispute was started. When logged in it says the dispute report was generated XX/XX/XXXX, 33 days after dispute pics below ). 

I reviewed the dispute and called XX/XX/XXXX dispute support on XX/XX/2020. XX/XX/XXXX told me to contact the collections agency which had already been done but they did not provide relief as required under FCRA. During the course of the call I was told the information was correct but when I asked the XX/XX/XXXX representative about the procedure used to verify correctness they said they don't have any verification from the company that the collections action was accurate for the paid account or that the original creditor had provided any notification of delinquency as required under the FCRA. 

I was able to verify with them that no prior notice was given as required under the FCRA of a clear and conspicuous notice. As soon as a collections action against me was noticed I reached out to pay the account and clear the item up. The collections agency was very clear that if I made an immediate payment in full to them they would be able to remove this from my credit report. Years later it still remains on the account. 

Today, XX/XX/XXXX, I sat on hold for over an hour and fifteen minutes with XX/XX/XXXX only to have them conveniently hang up while still on hold. Neither XX/XX/XXXX or Contract Callers have responded or acted in accordance with the FCRA. I have told both parties that their actions, or lack of action, is against FCRA they respond as if nothing will happen by reporting it to the CFPB. 

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 2022-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
In accordance with the Fair Credit Reporting Act 1. XXXX XXXX XXXX, XXXX  Account # XXXX, has violated my rights. 

2. XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

3. XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2019-02-16
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: EQUIFAX, INC.

Complaint:
Today XX/XX/2019 I went check my credit report as I do monthly. I found 4 accounts from the same company. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Pa XXXX. ( XXXX ) XXXX. amount of {$340.00}. Second amount {$1100.00}. Third amount {$650.00}. Forth Amount {$220.00}. After reviewing my documents this matches. The same amounts from another creditor account already disputed and off my credit reports do to identity theft. The creditor company was called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX. This company creditor have the same amounts due as above. This means that the creditor changed collection agencies. Still show amount due. From a different company with the same amounts due. Even when its identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
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.

Complaint:
Ive filed a identity theft repost and wrote into the XXXX consumer reporting agencies to block and remove information, but they did not do so. 

The following companies reporting to the Consumer Reporting Agencies DID NOT follow the Opt Out guidelines stated in XXXX Form of opt out notice to consumers ; opt out methods. 

With is a violation of my XXXX Rights, Right To Privacy, and private property being used for public use without just compensation The reporting of these accounts have caused credit applications to be denied and low credit limits offered. This resulted in set backs in my personal family and household necessities. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-10-29
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.

Complaint:
There is incorrect information reporting on my credit 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 2019-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL

Complaint:
XX/XX/2019 I was access a late fee of {$38.00}. Now in XX/XX/2019, I was access a late fee of {$38.00}. I called to pay my XXXX bill and was told that I owed {$150.00}. Now they have accessed me a late fee on the XXXX bill which isn't due until XX/XX/2019. Hence {$150.00} ... my monthly payment is {$39.00}. Now customer service say they can dismiss the XXXX late fee, ok that should just leave XXXX late fee, which would bring total cost to about {$75.00} for XXXX. Now that should get things on track ... but no they want that access fee for XXXX to bring it current. Now, when I asked about the XXXX bill they say I owe {$77.00}, this is why the late fees total {$78.00} for XXXX and XXXX and the payment being {$150.00} to bring current, why is that if XX/XX/XXXX is not here yet. They keep talking about the total bill going down, of course that will happen if I pay all these fees I dont owe. XXXX bill should not be in picture with a late fee attached if that payment has not come due to XX/XX/XXXX. To me these people are crooks. I dont mind paying but not for them to extort money from me.

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 2023-08-27
Product: Credit reporting 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 sent my letter off on XX/XX/2023. I told the credit bureaus to " investigate every piece of information on the accounts I have listed below. Also, I have attached the letter I sent out, and here is the Tracking number #. 

According to the FRCA, the term " investigate consumer report '' means to report or portion thereof in which information on a consumer 's 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. 

They stated my account were verified, but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything should be 100 % Accurate. Ihave the credit report showing the inaccuracies. 


Accounts XXXX Account ID : XXXX Tracking # US DEPARTMENT OF EDU Account ID : XXXXXXXX XXXX XXXX XXXX  Account ID : 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 2022-11-21
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: Experian Information Solutions Inc.

Complaint:
I contact XXXX, XXXX, and Experian about hard inquiries on my report. I got the most push back from XXXX and Experian but all 3 told me that they do not dispute the hard inquiries since they are factual data. I proceeded to tell them that I am requestion that they look into these hard inquiries or remove them if they will not. they kept telling me that will not, and they do not look into them. I proceeded to ask for a supervisor and got the same thing. I was told that I needed a police report or to file a complaint with you guys if I didn't like this. I then asked for the legal department because they have to legally look into them because I am requesting a dispute and for them to verify the accounts. They told me I am not allowed to speak to them and if I wanted to, I have to send a letter. They never started a dispute or noted that they would be looked into. I know this because I called back a day later to check if they were being disputed and was told they were not and there is no record of the dispute. This was done the week of XXXX. I told them I would be following up with the CFPB and they told me go ahead, they do not have to look into factual data.

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 2023-02-27
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.

Complaint:
In accordance with the fair credit reporting act list of accounts below has violated my federal protect the consumer rights to privacy and confidentiality under 15 USC 1681. Account name XXXX  account number XXXX. 
Account name XXXX account number XXXX Account name XXXX XXXX Account number XXXX, XXXX. 
Account name is XXXX XXXX, XXXX account number XXXX. 
Account XXXX XXXX XXXX account number XXXX 15 USC 1681 section 602 ( a ) states I have a right to privacy.

15 USC 1681 section 604 ( a ) section 2 : it also states that a consumer reporting agency can not furnish all account without my written instructions.

15 USC 1681C ( a ) ( 5 ) section states : no, consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 USC, 1681s-2 ( a ) ( 1 ) a person shall not furnished any information relating to a consumer to any consumer reporting agency. If the person knows our has reasonable calls to believe that the information is in accurate.

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 2022-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK

Complaint:
The wrongful and deceptive act was when they reported lates to the credit reporting agencies while I was under a repayment plan which protected from that very act, along with canceling my card after you claim I requested it, but DID NOT, further creating more derogatory information to be reported and further damaging my credit rating and trust with other lenders as a result of your Unfair and Deceptive acts and practices. 

Furthermore, they then called in an effort to collect the debt, but failed to state the reason for their call, nor state that it was an effort to collect a debt. This act alone is deemed an Unfair Deceptive act or practices, and prohibited by credit collection acts and laws. It is presumed that this is their standard practice and if so, other parties are likely similarly injured by their deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HCFS Health Care Financial Services, Inc.

Complaint:
I never lived at this address I never apply for service with this company I dont know who they are and I want this nightmare to end please

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 2020-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.

Complaint:
I am a XXXX veteran. I was living in XXXX South Carolina for 1 year. Before moving to South Carolina I purchased a XXXX XXXX. The day I was purchasing the XXXX I explained I did not want my payments to be more than {$300.00}. I was feeling unwell that day and they took advantage of me and loaded the contract with packages I was not interested in and could not afford. I was shocked to learn my monthly payment was going to be {$740.00}. I did that for a while but could not afford it. Despite multiple phone calls did the dealership to rectify the situation I just decided to pay {$300.00} a month the loan. I never missed a payment except for when I was hospitalized due to XXXX and XXXX XXXX XXXX one month and the second month I got XXXX by a XXXX. then hurricane came and we were ordered to evacuate that area. I still never missed a payment. I went to the local XXXX and took out money orders. one of them they said they never received which I strongly suspect fraud on their end. It's been a nightmare to fix this on my credit report. I no longer have this vehicle. That same month I might have been late on my mortgage payment by a day or so but I never not paid. I'm somebody that has paid everything on time and I pay more then the required amount. I've been waiting months to work on a refinance now that my XXXX paperwork has finally come through from VA. Please help get my credit score fixed so I can do refi

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.

Complaint:
Sometimes XXXX calls a day. Starting at XXXX till XXXX. They got my mother 's phone number and called her repeatedly. Received phone calls before payment was pass due. Amount owed is under XXXX dollars. PayPal representative talked over me and was obviously not listening to a word I said. Set up a settlement was told the first XXXX payments were scheduled then find out only the first XXXX was scheduled after representative told me XXXX were scheduled. PayPal is harassing me for XXXX dollars with a XXXX. Repeated calls to my XXXX XXXX XXXX mother is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-29
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.

Complaint:
My name is XXXX XXXX and I was recently able to sign in to view my credit report since I been incarcerated for three years XXXX to XXXX I have all the proof of incarceration I can include it when you you contact me about this matter. So basically some has my info and is doin fraud with my account so basically anything between XXXX - XXXX of XX/XX/XXXX was when I was released from prison and I been tryna build my cridit to be able to get a car and I come to find out this can you plz help me resolve this matter thank you my # 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