hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2019-11-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (OR)

Complaint:
I purchased a jewelry at Zales XXXX XXXX, 2018. I signed up for a promotional plan for 12 months interest free if paid for within 12 months. I always pay on time before the statement date of XXXX of every month. Next thing I know I was being charged with the finance charge for the whole year plus the monthly due. When I spoke to Comenity bank I was told that the promotional plan ended on XXXX XXXX Therefore, my payment in XXXX was not counted for the promotional plan because it was paid by the statement which is XX/XX/XXXX after the promotional plan ended. First of all, theyre statement due date does not agree with their promotional period due date. Second, they do not offer a grace period, last but the least they would NOT work with me on the 6 days that my payment was posted. Now, I have to pay the interest on entire purchase including the interest for what I already paid over the year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
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. (CA)

Complaint:
Experian refuses to update my credit report to include my XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX and XXXX XXXX. 

I have had these accounts for 3 months now and they refuse to report them on my credit report. 

We are in the process of filling a class action lawsuit against Experian.

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 2019-11-26
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. (LA)

Complaint:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (GA)

Complaint:
I have a Wells Fargo Home Projects Card and my normal monthly due date is XXXX of each month. 

In XX/XX/XXXX, I thought I had missed the scheduled payment that was due on XX/XX/XXXX so I submitted a payment on XX/XX/XXXX. I realized later that I had made this payment earlier in the month. Since the billing date is approximately XX/XX/XXXX for the XXXX due cycle, I called customer service and asked if it would be possible to back of the XX/XX/XXXX payment and reapply it as payment for the XX/XX/XXXX monthly. During this call I was advised they would facilitate the request. I was not told how long this would take and was unable to obtain any written confirmation, but I was assured this adjustment would be reflected on my next Statement and this would be record of the correction being made. Needless to say, that didnt happen. First I was assessed a late charge and then the XXXX statement cycle reflected I was past due. 

This prompted another call with customer service and still I was unable to get resolution. When I asked if I had to complain to the BCFP and OCC to get resolution, the customer service agent transferred me to the Executive Office. Apparently defrauding customers to meet sales targets is not the only issue that prompts this stellar organization from sending me to the damage control team these days. ( sarcasm intended here! ) Its now XX/XX/XXXX and I can only report that the late charge was reversed. Since I fear a 30 day mark will result on the " missing '' payment while I continue waiting for resolution, I decided to make a payment. ( Heaven knows I don't want to try and resolve THAT issue with this organization! ) If I knew this fraudulent organization was going to jerk me around so hard, I would never had made the request and chalked this up to a shame on me. Or even better, maybe they could have ( should have ) just told me my request was not possible. What I was hoping to be a routine customer service matter has turned into a complete fiasco. 

Their case # XXXX. 

In closing, I guess it could be worse ; I could have been a victim of ID Theft and realized a fraud deposit account had been opened there by an employee trying to make unrealistic cross-sell targets. SMH.

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 2015-06-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ZWICKER & ASSOCIATES (MA)

Complaint:
Between XX/XX/XXXX and XX/XX/XXXX, I cosigned for my son a series of XXXX student loans through XXXX ( XXXX XXXX XXXX XXXX ). XXXX months after XXXX, he began the process of repayment. At some point in the following XXXX years, my son failed to make regular payments and the loans were subsequently turned over to a collection agency called Zwicker & Associates , P.C . 
When they reached out to me for the first time, I was stunned to find out my son and I were into this agency for roughly {$31000.00}. I explained to them that I as a cosigner, had never recieved a notice of delinquency from anyone, not XXXX, nor Zwicker. I asked them to produce notices of collection which they could not, instead steering me back to XXXX who when I called, refused to speak with me. 
My son since made an arrangement to pay them {$300.00} a month for XXXX years and that has now been increased to {$400.00} at 12 %. For a young man starting a career, that is a large sum at ridiculous interest which will take him years to pay off. He also has about {$80000.00} in additional student loans he 's paying down. What I would like to see is any type of collection notice sent to me as a cosigner. I would also like to see something done to eliminate the high rate of interest on these loans. I do n't dipute that the money is owed. What I am questioning is why I never recieved delinquncy notifications as a co-signer. In addition, this all went on my previously clean credit report as charge off 's.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NJ)

Complaint:
I contacted The XXXX XXXX about getting my annual consumer disclosure via US Postal Mail XXXX 

I identified myself with a copy of my US Passport and electric bill ( with current mailing address ). 

The Work Number/TALX claims I did not proof of address and/or it was illegible. 

This is baloney. 

Enclosed is a copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
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. (OH)

Complaint:
On Monday, XX/XX/XXXX I contacted Experian about a problem I was having with their report to XXXX XXXX. At XXXX XXXX, I applied for a credit card at XXXX XXXX to save money on a new computer I was buying. XXXX XXXX contacted their bank which said I was denied. This astounded me. I own a home and two cars. I make over {$80000.00} a year, and have had this job for 19 years. I have no outstanding debt - no loans or liens. I pay off my credit cards when they are due - never carry a balance. I have a credit score from Experian around XXXX. I have over {$100000.00} in my bank, with over {$700000.00} in IRA/401K. So, their bank sent me a letter which said to call them that there was an alert from Experian. I called them and they only re-ran the application for the credit card and could not give me a reason why they could not approve the card- they could only say that it was not approved again and I would get a letter in the mail explaining. I got the same letter in the mail which I received before! So, I contacted Experian online. Online, they said to call them that this had to be handled by someone. I called, but could get no one - just the electronic prompts. None of the prompts applied to me- they were mostly about disputes, which I don't have. I needed to know what was on my report that was not allowing me to get a simple credit card. I kept asking for an operator, which the automatic voice recognized but would not give me someone to talk to- they only kept repeating the options which did not apply to me. I tried a second number I found online to Experian and it did the same thing - the prompts did not apply to my situation and they would not give me someone to talk to. I failed to get someone to talk to about my situation both times- the electronic voice would not allow it. So, I wrote a letter to Experian explaining the situation ( and my outrage ) today, XX/XX/2022, sending it to Experian National Consumer Assistance Center in XXXX, TX. I do not expect much help, but at least a human being will look at my situation.

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 2020-10-31
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. (GA)

Complaint:
I reopened my XXXX XXXX Account after paying the balance down to XXXX. I have been using the card for three months now and each month the card is being reported as closed on my credit report even though the account is open. I have spoken with XXXX  XXXX ad even submitted a dispute. A representative from the corporate office called me a week ago. The representative was dismissive and she said all the from what she could see all the bureaus reported the account as open. However when I pulled all 3 reports from XXXX, equifax, XXXX  all 3 bureaus are showing the account closed. This violates my right to fair reporting and I would like the issue to be resolved or like to file a formal complaint with the state regarding this company. I have disputed this account serveral times and every month its being reported as closed. I need to make sure this account stays on my account each month as open as it will affect my ability to purchase a home. Please help. 

Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRSTBANK PUERTO RICO (PR)

Complaint:
First Bank Puerto Rico ( the bank ) offered a forbearance to their customer after Hurricane Maria. The bank reported me as delinquent on XX/XX/XXXX, however, the bank did not notice that I had made payments on XX/XX/XXXX for {$200.00} and {$180.00} on XX/XX/XXXX. 

My loan was up to date when they reported me, furthermore, I paid off the loan entirely on XX/XX/XXXX I made a payment for the full balance and today XX/XX/XXXX they reported me once more. 

It seems the bank does not have adequate monitoring and reporting procedures and this is leading to a deceptive and abusive practice. 

What first bank is doing to its customer in XXXX XXXX is abusive and deceptive specially after the events of Hurricane Maria. 

Also, I want to report another abusive activity related to the interest charge during the Maria Forbearance which were much higher than the agreed rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
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. (CA)

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance {$21000.00} ; XXXX XXXX XXXX XXXXXXXX Balance {$10000.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX. XXXX, 2022 ;

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 2020-01-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Blakely-Witt and Associates, Inc. (WA)

Complaint:
On Saturday XX/XX/2018 I viewed an apartment at the XXXX XXXX XXXX XXXX XXXX. As part of the application process, the leasing agent requested that I sign a Lease Contract Contemplated. The Lease Disclosure of this document states that I am not approved until management countersigns the document. On Sunday, XX/XX/2018 I withdrew my application. The leasing agent responded asking if I wanted to see another larger home. However it was out of my price range. The next day, I received a invite from another leasing agent to view a larger home. 

On XX/XX/2018, I received a notice from management stating that I would receive lease break fees if I chose not to occupy the home that I had withdrew the application for.. The manager had proceeded with processing my application, despite my XX/XX/2018 application withdrawal ( SEE XXXX EMAIL ). He provided a countersigned Lease XX/XX/2018 ( see time stamps ). He provided me an Lease Break invoice with the wrong withdrawal of application date ( XX/XX/2018 ) and noted Paragraph 10 Lease Break stipulation. 
When asked about this error, the leasing agent stated that he management did not report to work until the XX/XX/2018. However, I don't see how this would impact noting the correct date that I withdrew my application. 

Paragraph 9 of the Lease Contract Contemplated- Lease Disclosure states that withdrawal of the lease application prior to approval would result in loss of application fee and deposit, with no further obligation. I have relentlessly tried to resolve this with XXXX XXXX, XXXX XXXX XXXX, XXXX @ Corporate ( no response ) and Blakely Witt and Associates for a settlement. The collection agency is demanding a paid in full settlement despite the nature of the situation

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: SQUARETWO FINANCIAL CORPORATION (TX)

Complaint:
I agreed to a settlement payment on an old debt and was led to believe by the collector if I accepted the settlement and paid quickly, they would NOT report this debt to the credit bureaus. They continue to report this item. Please investigate. I can not seem to get a good answer on why this is happening. Since I work in the financial services industry, I fully understand the negative impact on of having a collection on a credit report. As such, I would never have paid this item without their commitment they would NOT report it to the credit bureaus. 

Original Creditor : XXXX Debt Owner : CACH , LLC Debt Collector : XXXX XXXX, XXXX Original Balance : {$9700.00} Agreed to settlement : {$5300.00} Paid on XXXX/XXXX/2016

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 2023-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (SD)

Complaint:
I scheduled massages and facials for myself, a friend and our husbands on XXXX. I called XXXX XXXX XXXX and gave them my credit card to hold our spot. 
A week prior to our appointments my friend and her husband were unable to go ; that day I called XXXX XXXX XXXX and spoke with ( XXXX I believe ) and informed her to cancel every appointment, and except 1 facial ( for myself ). She said that was fine. 
On XX/XX/XXXX, I went to the salon by myself and had a facial. I paid for it while I was there ( approx {$150.00} ) and left. 
When I was later reviewing my statement I saw that XXXX XXXX still charged me for 4 facials and 4 massages, totaling {$810.00} on XX/XX/XXXX. 
Citi Bank has reviewed my my case and XXXX is not crediting my account. I refuse to pay for an {$800.00} charge that is not mine, I called and canceled a week prior. And I went to the spa on XX/XX/XXXX for a facial, which you can confirm on my statement. The charge for approximately {$150.00} on XX/XX/XXXX is accurate. The {$800.00} charge on XX/XX/XXXX is not accurate. 
This is a lot of money, I need someone to review. Please review camera recordings from that day? Please let me know whatever i can provide to help resolve my case.

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 2018-02-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ORG GC GP Buyer, LLC (CA)

Complaint:
In the very end of XX/XX/XXXX into XX/XX/XXXX I switched two lines from XXXX to XXXX. I went through the buy out program of XXXX where they will pay up to XXXX dollars per line that switches to them off the final bill from the previous phone company. The only things I needed to do was to turn in my old XXXX phones and obtain those receipts from XXXX and then once XXXX made the final bill, take that online and plug in the info for the buy back. Over the next two months I went in to multiple debates with XXXX both in person and over the phone over this bill. XXXX initially kept telling me that the bill was not yet available and to wait till the next billing cycle and then when it would come I would receive the same answers. XXXX had also locked me out of my own account months prior to switching to XXXX and would not allow me to see my bill break downs and would only accept money for bills. I spent hours and hours on multiple phone called with XXXX both before switching and after attempting to get access and they were almost entirely of no help. No matter how many people I talked to on the phone, they for some reason were unable to give me access to my own phone account so I could see why and where my charges were coming from. Fast forward a couple months after switching to XXXX and attempting to get the final bill with no luck and suddenly I receive a notification in the mail that I was sent to collections by XXXX for not paying my final bill. This is the bill they refused to give me and that I now apparently owed something close to XXXX dollars. I obviously immediately contacted XXXX and learned that not only had they sent me directly to collections without sending me the final bill but they also had only ever switched over one phone account and still had the other account still open obviously unused for many months and racked up with fees and charges for not paying it. I am still in dispute over this with them and this just adds to the already large issue of them throwing me into collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (TX)

Complaint:
On XX/XX/XXXX when I contacted the debt agency EOS CCA in regards to a remark on my credit report they could not provide me with any information regarding the account they were trying to collect for. I had no information on what services were rendered or anything. I asked for this information in writing and have yet to receive any information. I am in the middle of purchasing a home and this is when this account was brought to my attention. I immediately contacted the creditor to resolve. On the recorded call with the agency it was told to me that if I payed and settlement with a certain amount that the account would be completely removed from my credit report due to them not sending me any information before reporting on my credit!. Today XX/XX/XXXX I attempted to contact the agency in regards to the closed status showing on by report instead of the removal and they told me pretty much too bad. This is false representation on their part and should be illegal! They can not give a costumer false information and Collect money from them under false pretenses.

Company response to consumer: Closed with explanation