hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation

Complaint:
Some how a double payment was processed on XX/XX/23 and XX/XX/23 both in the amount of {$290.00}. When I seen this I contacted the Credit Card Aspire handled through the XXXX XXXX XXXX XXXX Told I would receive that over payment after investigation and days for a check to be mailed, asked for a credit back to the account it was paid from, they said no, but would expedite because of the temporary financial distress it has put me in. After giving it the time to receive the check, I used the card to pay utility bills, since the account was still showing a credit of {$290.00}. They have now charged my for those transactions, XXXX and still haven't to this day received a check or credit for the over payment. I keep getting misinformation about what is going on and what they are doing, last spoke to a supervisor XXXX, ID # XXXX, today, XX/XX/23, told to wait another 30 days to call again if nothing is received, nothing they can do. How many other customers have had this issue before and handled the same, I would think many.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
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: FORD MOTOR CREDIT CO.

Complaint:
I received a response from Ford Credit and I am not satisfied with the response from Ford Credit. Ford Credit denied my request to remove a 30 day past due on my credit report. I attempted to make a payment using my phone and I thought the payment went through to my knowledge but it didnt as I later found out. Ford Credits website has been down multiple times over the past couple years and I believe this was the source of the problem. When I finally found the error in nonpayment - I posted a payment that was I believe 31 days late and I paid the current bill. I recently changed my cell phone and Ford Credit was unable to reach me to notify my of the late payment. Ford Credit is purposely trying to keep this damaging information on my credit report when I was only 31 days past due.

Ford Credit is not being truthful when it states the customer has received two invoices to advise of the account 's need for payment. No late payment notices or invoices were sent to my current or previous address. I have never been 30 days past due on any of my previous payments to Ford Credit in the past 4 years nor have I been late on any bills for the past 10 years. It is disheartening to learn Ford Credit has such a hardline attitude towards the circumstances of my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Product: Credit card or prepaid card — Store credit 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.

Complaint:
Last Fall I received a bill from Best Buy. I had finished paying for my computer over a twelve month period. But they were charging me for something! It turned out that they renewed a service contract on that computer without telling me they were going to do this. I called the company, told them I did not want the contract and they agreed to " take care of it. '' I continued to get bills, so I called again and complained. I told them I wanted to close the account since they had not followed through on the previous call. I continue to get bills saying that I owe them money. I called the bank which services their accounts. They referred me back to Best Buy. I called again and made sure they closed my accounts. Again they said they would take care of it. Now II find that even though the account is closed, they still claim I owe them a balance due and have reported this to the credit agencies. I disputed this through XXXX  which recognized that the account is closed but accepts Best Buy 's word that I still owe a balance ( perhaps for whatever time elapsed from the " renewal '' of the contract and my finally getting the account closed ). I do not believe I owe them any balance for something I did not authorize. I want them to remove this from my credit report, the only negative item listed there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.

Complaint:
As of XX/XX/2023 the XXXX XXXX XXXX XXXX XXXX has been satisfied and is not a collection item. This can be verified via 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 2021-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE

Complaint:
I received my BARCLAYS credit card bill to find out that I had charges on it that I never made, never signed for, never authorized and didn't know about. I wrote a letter to my credit card company and requested that these charges be removed and explained the situation with them. I called the credit card company as well, they told me not a problem, they will remove the charges and issue me a new card. They did exactly that and everything was fine. I then receive a notice in the mail that they contacted the merchant and was told the charges were valid. I did file a police report with the City Police Department as a crime has happened to me. I then asked them to provide me with proof of me making these charges. They declined and told me that they completed their investigation and the charges stand and I owe it. They are also charging me some crazy cash advance fees as well, in which doesn't belond on my account. I need help with this as I am not getting any help or assistance regarding this account. BARCLAYS will not work with me and have dug their feet in the ground, they will not provide me with information and/or any reasoning. I feel as though BARCLAYS isn't be accountable and personally harming me by their actions. The CFPB is suppose to be here to help consumers and protect us against things like this.

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 2020-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
A credit card was opened with Bank of America using my identity on XX/XX/2016, I tried to dispute with the credit company but the bank said the account belonged to me which I never opened.

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 2018-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.

Complaint:
On XX/XX/XXXX I filed a dispute with all 3 Credit Bureaus about a Fraudalent Account on my credit report with XXXX XXXX XXXX with a {$610.00} Negative Balance. Two of the Credit Reporting Agencies removed the account and one did not. However all 3 of them removed a Positive and good Credit account that my wife and I have with XXXX XXXX with a {$2500.00} balance, a card opened in XXXX XXXX. This has drastically affected my score and it 's hindering me from refinancing a 4.5 acre 4500 sq ft building that I own and trying to refinance. They all refuse to put the account back on my credit report and all told me to contact XXXX XXXX. I did contact XXXX XXXX and they said all 3 of the bureaus should stand up to their mistake and put the account back on my credit. The account number is : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
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: EQUIFAX, INC.

Complaint:
I called Tell them I have a fraud account but I cant understand them and they help me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
After months of aggressive calls from this Portfolio Recovery who is collecting on behalf of XXXX XXXX XXXX XXXX I decided to give them a call, quite a few calls in attempts to resolve and satisfy. Their customer service is so bad, unethical and just inappropriate from being hung up on to practically threatened on calls I finally asked them to cease and desist once they sent claim to Attorney XXXX XXXX XXXX located on XXXX XXXX XXXX, XXXX XXXX CT. Between these two companies they claimed to have served papers to an old address which would have notified me of a court hearing. I found out about a judgment made against my wages from my employer, that was my first notice. I have since reached out to both Portfolio Recovery & Attorney XXXX office offering to satisfy account and they kick me back and forth. As a result of losing my job years ago this is one of 3 debts I have been working to resolve. This being the ONLY company I can not communicate with. Currently I have a garnishment for one of the 3 debts that will go on for the next 1.5 years.  Since Attorney XXXX office was awarded garnishment to my wages their wage execution will not start until possibly XXXX. After numerous attempts of offering to satisfy account and settle, Attorney XXXX office refused any offers since the execution of wages was approved. I filed motion to modify and took them to court on XX/XX/XXXX and advised them I never was notified of court hearing to make any argument but was willing to discuss any settlement to be done. I explained to the court that I never received or was served and the judge instead was asking the plaintiff attorney to help him understand the process once the garnishment is in place. None of this made sense. Now here I am, having had my credit already tarnished the last 4 years at least, trying to clear this debt which by the way was partially disputed with original creditor prior to any collections but neither company will allow me to do anything to resolve. What sense does it make for us to wait and sit on a debt for the next two years until my current garnishment is done to then get paid at {$10.00} per month for the next 5 years when I am more than willing to offer atleast 50 %. The 7 year statue will kick in before they are even done being paid. This company is a disgust and the attorney representing them, just no way to communicate with people. I am unsure how to expedite the settling or satisfying of this debt. This is morally wrong on every level. They refused to remove disputed and unauthorized charges and also refused to settle on any level even when I decide to pay against what I know I do not owe. Keep in mind I was NEVER served any court notice. Who would choose to not show up to a court hearing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

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

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

15 U.S.C 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 explanation
Consumer complaint received 2022-12-27
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.

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 explanation
Consumer complaint received 2022-10-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION

Complaint:
1- Open a High-Yield Savings account with XXXX owned by Webster Bank 2- After a month, interest rates started to go up in other banks but not in this bank 3- Decided to withdraw my funds from Webster on XX/XX/XXXX 4- Setup up external transfer with my regular bank XXXX XXXX XXXX XXXX Checking Account ) 5- Been waiting for two weeks for my transfer to happen but Webster Bank held my funds hostage and asked for a ) Latest bank statement of XXXX XXXX XXXXXXXX and b ) Copy of my Florida Driver 's License. I sent the documentation via their encrypted server ( as requested ) and called them a few times validating they received the documents. 
6- They stated it would take up to 3 days to review/clear/reject the documentation 7- Today, on XX/XX/XXXX, received an email that they " Stopped '' my transfer without any explanation 8- And they also, eliminated my access to my account, the bank log in does not work 9- The transfer is for only {$5000.00} USD, not a large amount and they are holding my funds hostage, please need your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.

Complaint:
I have sent LVNV FUNDING LLC a cease and desist and asked for validation of the alleged debt. Instead they did not comply with what I asked for in reference to validation of the alleged debt ; nor did they comply with the demands of stop negatively reporting to Credit Bureaus and XXXX me the consumer XXXX, XXXX, and XXXX. I have not been able to get extensions on credit due to the negative reporting. The company also tried to sue without proper notification and signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint:
Hi, XXXX XXXX  did 3 hard pulls on my credit with Equifax in 2019 all within a couple of weeks. They advised they'd remove the extra pulls as they were due to their own system problems. They say they tried to remove but Equifax shows them still there. 

See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Renew Financial Holdings Inc

Complaint:
I applied for financing through XXXX and was denied for " Delinquent property taxes within last 3 years '' on my XXXX  XXXX consumer credit report. 

I checked my XXXX  credit report and there is no reference to delinquent property taxes because I've never been delinquent. 

I attempted to file a complaint via XXXX, however, there is no way to submit a complaint regarding Property Taxes. 

I believe the information provided to the lender was inaccurate and resulted in my denial to critically needed financing. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
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 XXXX Account # XXXX .... 
Account # XXXX .... 
Account # XXXX .... 
Account # XXXX ...., violated my rights. 

15 USC 1681 Section 602 A States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish accounts without my written instruction.

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 2023-05-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC

Complaint:
My name is XXXX XXXX I am a consumer submitting this complaint on the behalf of my self without any influence from any third party being involved. Fraud had been committed my consumer report, which violates the FCRA and FDCPA. Jefferson Capital is using extortionate means to collect on an alleged debt. I do not owe that resulted from extension of credit which violates tittle 18 USC 892-894 and constitutes racketeering actives and extortion. On XX/XX/XXXX I got a letter from Jefferson Capital about an alleged debt, on XXXX/XXXX I sent a debt validation letter, on XX/XX/XXXX I sent a second debt validation letter. On XX/XX/XXXX Jefferson Capital stated they are closing the account but didn't mention about deleting it from my consumer report. 
This is a notice sent as per the Fair debt Collection Practice Act ( F.D.C.P.A ) 15 U.S.C. 1692 ( G ) section 809 ( B ). This is a request for accounting request raiding list of collateral or statement of account reference to U.C.C 9-210. This authenticated record must include all tax fillings ( including all 1099 's, and 1098 's ) any and all trades and /or investments and /or interests associated with this account of which I am alleged to be a party.

This is also a Notice exercising my rights to prevent the processing of my personal data by Jefferson Capital. Please be advised that providing a memorandum or other statement from your agency, stating that Jefferson Capital the assignment of the account was transferred shall be deemed insufficient. Failure to substantiate the claim, please settle the accounts immediately and cease and desist all communication and have these trade lines deleted from my consumer report immediately and send conformation. PLEASE BE ADVISED YOU ARE IN VIOLATION OF MY CONSUMER RIGHTS AND THE FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
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 XXXX  Account # XXXX, # 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 a account without my written instructions # XXXX ( XXXX ). Asset Amount is= XXXX XXXX XXXX # XXXX ( XXXX ). Asset Amount is XXXX CREDITORS DISCOUNT & AUD

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 2017-11-14
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: FBC MORTGAGE, LLC

Complaint:
On XX/XX/XXXX I went to a Preconstruction site seller ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ) had their preferred lender on site. New home consultant, Lender ( FBC mortgage ) and myself began to Converse about purchasing my first home ( conventional loan ) I wanted to move forward I filled out a loan application, signed a contract and my credit was pulled I was advised by lender to get with his credit repair company he works closely with to get my credit up for a better interest rate down payment was made ( XX/XX/XXXX ) I never received an approval letter or a denial letter. Lender pulled my credit several times without notify me or communicating with me for five months. My credit is going down paid credit repair company emailed me in XX/XX/XXXX stating he needs 4 more months to work on my credit I canceled repair service. Notify the lender and builder of my cancellation once I did that home is complete in XX/XX/XXXX they schedule closing date XX/XX/XXXX I was not able to close due to my credit score builder ( 13 floors ) said I 'm in default and they are keeping my down payment ( {$19000.00} ) Builder 's attorney sent me a default letter with an extension for XX/XX/XXXX with penalties {$170.00} per day starting from XX/XX/XXXX up until XX/XX/XXXX. Because I did n't let them pull my credit on XX/XX/XXXX due to me getting a new Lender and attorney I received a letter stating my deposit will be disbursed to the seller directly and the property has been placed back on the market for sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation