hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2019-02-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (TX)

Complaint:
Hello, I Am XXXX XXXX. I Am Trying To Clean Up My Credit. In The Early 2000, I Was A Customer For Over 5 years. I Had An Health Issue With XXXX In My XXXX. I Had Sit For Over A Month Without Being Able To Walk. I Got Behind One Month. I Tried To Settle My Bill Which WAS {$500.00}. The Salesmen Gave Me Extra Charges & Two Extra Months Worth Of Bills That Werent True. My XXXX XXXX XXXX   Bill Came About To Be {$1800.00}. This Amount Is Not Correct! I Tried Negotiating And Was Refused! 

Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Fidelity Services, LLC (IL)

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (SC)

Complaint:
My son and I live on {$750.00} per month. On XX/XX/2018 the same day of my ssi deposit ; my account was debited {$170.00} by a XXXX in XXXX XXXX XXXX. I was told I would still have to dispute this charge even though it was a breach on XXXX XXXX. I have disputed just as I was told too. Upon contacting XXXX XXXX XXXX I was given this info and told that I was the third person that had this problem. I have faxed three disputes and mailed there dispute form and still nothing .My acct card number was ran as a credit card, I explained that I was having hardship and needed these funds to pay my light bill that will be turned off if not paid tomorrow. I also told them if they would look at my acct that they could see that I am in XXXX XXXX. This is a nightmare. I have nobody to ask for help and I am so afraid. Nobody from this company will help me. I need a provisional credit. They know I didn't make this charge. Please help me. The dispute number is XXXX. My card was in my possession they have sent me another one. I memorize my pin number. 

Also upon calling the XXXX they told me no charges of that amount at the time I was given by XXXX XXXX had never occurred.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-14
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. (UT)

Complaint:
Re : XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account : XXXX. Since 2017 XXXX XXXX XXXX has been trying to fraudulently shake me down for a {$150.00} fee that they said they had waived. I complained to FTC previously about this and XXXX XXXX XXXX sent me a letter saying that that this fee had been waived but they sent me over to collections anyway and my XXXX XXXX XXXX Account says I still owe them {$150.00}. My credit rating is fraudulently lowered to XXXX because of this. I have three separate collection agencies in 3 different states billing me for 3 different amounts of money now : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, fl XXXX : {$150.00}, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX. XXXX XXXX # XXXX : {$89.00}. XXXX XXXX XXXX  ( XXXX XXXX ), Account # XXXX, XXXX, OR Telephone XXXX : {$89.00}. I would like these adverse credit data removed from my XXXX XXXX XXXX account & all three ( Equifax, XXXX & XXXX ) credit reports forthwith. I believe this form of Consumer Fraud is endemic in our nation and adversely affects millions of citizens. This shows that the Credit Reporting industry is inherently corrupt, contrived & engineered to intentionally defraud consumers through denial of credit & higher credit rates via this form of unconstitutional legal procedural chicanery.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NV)

Complaint:
Re : Wells Fargo Charged {$20.00} XXXX {$10.00} fees for no good reason. XXXX was reversed. I was told that I waited too long to correct the error for the other one. It was at the branch on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The guy I spoke to first lied about the type of account I have. Then lied about the minimum amount of money needed to Not be charged a fee. I said he was XXXX. he told me to 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 explanation
Consumer complaint received 2023-06-13
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. (MI)

Complaint:
I sent a few letters off on XX/XX/2022. Here are the tracking numbers XXXX, XXXX, XXXX. Also I submitted to the FTC reference number XXXX To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. no financial institution is supposed to share my information to third party companies.

These are clear violations of my federal protected consumer rights

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 2022-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Camino Financial Inc. (NY)

Complaint:
I NEVER APPLIED FOR A CREDIT CARD I BEEN VICTIM OF IDENTITY THEFT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
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 — Their investigation did not fix an error on your report
Company: TCF NATIONAL BANK (IL)

Complaint:
I had a TCF bank checking account. However, somebody stole my identity and money was taken from my account and made it go negative. I notified TCF and they conducted an investigation. They concluded the investigation and said all I needed to do was sign a notarized affidavit with my signature. Once I did that I heard nothing back. My account was still in overdraft negative $ XXXX. I called back and they said nothing can be done because it was already sent to a collection agency. I told the fraud expert that I completed exactly what the branch manager at my local location needed me to complete and signed the affidavit saying I was a victim of fraud and IDENTITY THEFT! The fraud department said there was nothing they could do because it was already sent to collections. I told them that they are reporting false info to the credit bureau. ( XXXX XXXX XXXX IS THE NAME ) That false information has made it impossible to get a bank account anywhere else. Ive contacted XXXX and they did their own investigation and I told them all the facts as well as let them know I signed a notarized affidavit. However the investigation concluded the info documented on XXXX was correct. I was saddened and it feels I have nowhere to turn. I feel like the bank is making a personal effort to take the negative situation that happened to me and blamed me for it. XXXX does not want to remove the false info.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
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. (WV)

Complaint:
I have disputed XXXX/XXXX on all three credit reporting agencies. Company wrote off amount due which cancelled contract. Sold to collection agency PRA which also cancelled contract. I paid PRA in XX/XX/2015. I can not submit documents. Loss home to flooding XX/XX/2015.

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 2019-02-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (NY)

Complaint:
I am approaching a debt collection company to make them aware that I have fallen on very difficult times. I would like to see if I can avoid filing for bankruptcy, but that decision is quickly approaching. Therefore, I am requesting a very low offer in compromise to the attached collection letter as quickly as possible. I could borrow {$2000.00} from a family member to settle this account in full, but that is as high as I can go at this time. I have over {$120000.00} in unsecured debts, and my financial position is in bad shape at this time. This company can reply through the Consumer Financial Protection Bureau portal.

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 2017-11-20
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. (CA)

Complaint:
I write to this credit repository last XXXX XXXX, XXXX. I have disputed two accounts, XXXX XXXX and XXXX. Both accounts have been reporting incorrect, inaccurate and incomplete information. These account has been reporting incomplete and inaccurate late payments. credit bureaus show either " no data '' or " unknown in most months in my payment history. They are also reporting " 90 days late '' without prior late?!. Account # XXXX has been removed/repaired. But account # XXXX, still reports the error violating FCRA.

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 2018-12-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

Complaint:
From XXXX through XXXX I borrowed a total of {$49000.00} through Sallie Mae using a Parent Plus Loan to put my son through college. Early on, Navient became the service provider of this loan. Though I have had a few late payments, I have never defaulted. I had to take advantage of deferment a couple times and have consistently had to reduce my payments though income based programs because I couldn't afford the large payments. For many years I have been on the " Income Sensitive '' program, which apparently does NOT qualify for forgiveness after 20 or 25 years and I had no idea this was not the case until I called them. The only thing that made me feel okay about having this outstanding loan was that it would be eventually forgiven. And after 20 years I would have paid all the money back, if not more, that I borrowed, so it's not like they wouldn't get their money. I was thinking I had about 10 more years to go, which isn't great, but something I could live with. I feel Navient was negligent in not informing me that there were other income based programs that would have put me in the qualification for forgiveness after many years of payment. And nowhere on their website was this spelled out. 
Just look at these numbers : I borrowed a total of {$49000.00}. 
I have paid XXXX As of this writing I owe {$52000.00} I have no words. This is absolutely horrific.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

Complaint:
I always paid on time, and this giving me XXXX I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2016-06-06
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

Complaint:
I 've been victimized by the illegal collection practices of Encore Capital Group - Midland Funding LLC. XXXX Consumer is who I acquired the credit card through as a XXXX who just purchased a new house ( 2012 ). Little did I know that this would be a nightmare that would follow me well into my XXXX. With a XXXX limit and an interest rate of 28 %, I tried to stay below the credit limit but seemed to never be able to pay it down with the minimum payment of {$75.00} dollars, the 28 % interest, and the added credit card protection. Eventually I decided to start paying XXXX - XXXX dollars per month or as max as I could get it. The card was closed but I never stopped making payments. XXXX still accepted my payments for three months before they advised that the account was no longer accepting them. Reaching out to XXXX and XXXX XXXX bank ( The company who owned the account at the time ) was a futile effort and they did not provide any useful information or a method for me to resolve the account/pay-off the account. Several years later, I get contacted by Midland Funding LLC., upon requesting more information about the account, they advise that it 's been sold and they no longer own the account. This even though they are the ones listing as a negative reporting on my credit. 

After trying to XXXX this account for several years, I get a notification in the mail that I have a credit that will be applied to the account as a result of action taken against Encore Capital Group - Midland Funding LLC. by the Consumer Financial Protection Bureau. Although this credit is present, Midland decided to robo-sue me for the amount of the original card. Not taking into account the credit provided by the lawsuit or the amounts that paid and accepted after they deemed the account closed. 
This has been very painful and costly ; I only wanted it resolved years ago but Midland with their account shell games with moving the account from one company to another and with them suing without providing proper information or documentation creates a world of torment for the consumer and I 'm still dealing with this nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
XXXX XXXX XXXX XXXX has been misreporting this account for over a year and a half, substantially dropping my credit scores, inhibiting me from getting credit, and creating an unjust financial hardship on me, XXXX XXXX XXXX XXXX XXXX charged off balance : {$11000.00} 82 % settlement : {$9400.00} paid in 3 payments XXXX amount : {$2000.00} XX/XX/19 Settlement payment dates and amounts : XX/XX/19 paid {$1100.00} XX/XX/19 paid {$4000.00} XX/XX/19 paid {$4200.00} Total settlement paid {$9400.00} XXXX received XX/XX/19 for the forgiven amount as a results of the settlement agreement I have attached 4 images to corroborate this claim 1. Screenshot of how the XXXX XXXX charged-off account is misreporting a balance to all three of my credit bureaus. 

2. XXXX XXXX XXXX letters showing they collected on this debt 3. Proof of the three settlement payments made to collection agency as per our settlement agreement 4. XXXX received for the forgiven amount

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 2021-04-30
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: Experian Information Solutions Inc. (PA)

Complaint:
Experian reporting late monthly payments reporting on a closed account. I wonder how were the late payments verified? Please provide proof of bank records and proof of the transactions or receipts that belongs to this account. I've been disputing with Experian since XXXX. Experian had more then enough time to do a proper investigation along with showing me proof of a proper investigation. They are in violation continuing to 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 2021-07-18
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. (CO)

Complaint:
I've submitted all documentation to get these things blocked from my credit. all they do is keep sending me a letter saying they won't look into it. 

I will attach all my documents to the complaint.

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 2021-03-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collins & Hilton Asset Group, LLC (IL)

Complaint:
In your response to me on complaint XXXX you said that you have no validation or proof from the previous agency. Now I am asking why your company is still trying to collect the debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

Complaint:
Ive reached out to all three credit bureaus Experian XXXX  and XXXX XXXX Sending letters to request an inaccurate report be taken of my account. Its been over 30 days since I first letters and Ive received no response.

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 2022-03-19
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: EQUIFAX, INC. (VA)

Complaint:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. 
Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
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. (TX)

Complaint:
According to 15 U.S Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

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