hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2017-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BBVA FINANCIAL CORPORATION (CO)

Complaint:
I have an ongoing problem with a website that is servicing  BBVA Compass. I  pay many bills each month, and find thi s one web site to be consistently confusing. I suspect it is not by accident, but by design. I sign in to pay my bill, make all the selections to pay it, verify the information and then get a page that says, Payment Confirmation '' in big letters at the top of the page. Each month I note the time and date that I pay it and save it as a PDF on my computer.     The problem arises when I read the big letters at the top of the page which say, " Payment Confirmation ''. There is an additional step required in order to complete the payment process ; there is a little button at the bottom of the page that you do n't see unless you scroll down. This last step requires you to Confirm yet again that you are making the payment. No other website has this last step, which requires you to confirm the payment before you are finished with the process. As a result it is very easy to miss this last step, thinking you have paid your bill and I have often missed this step. It has caused me to pay several  XXXX  dollars in late fees while paying this account off. I am sure this last step is added by design and I know other customers are experiencing this issue as well. The bank would only need to add a notice on the top, next to, Payment Confirmation '', which could state that a last step is required to complete the transaction, but they wo n't do it.     I have mentioned it to the bank employees several times and have even visited the bank branch to complain about the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Larry H. Miller Group of Companies (WA)

Complaint:
I received an auto loan from Rally Motor Credit who stop reporting my Car loan to the credit bureaus and now they merged with another company called XXXX XXXX. I have been calling them for a month and now they tell me they do not report car loans anymore which took my score. I have no credit score now yet I am up to dat on all of my payments and have been current with a balance and still pay for the auto loan yet they refuse to report to the credit bureaus. I need some help please as I am trying to buy a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P. (CA)

Complaint:
Resurgent ( aka LVNV XXXX has repeatedly and knowingly reported false info on my credit reports. They list the account as an OPEN acct, with a past due amount, they change the amount due, they state they are a factoring company and the account is a factoring company account. I NEVER opened any line of credit or anything with Resurgent ( aka LVNV ). I have NEVER signed any contract with them. They marked my account in dispute on my credit report, have never responded to my validation request, then updated my acct while in dispute as well as never sending me anything in writing. They have never properly investigated my disputes and have continued to report false information causing my credit scores to go down tremendously. Resurgent ( aka LVNV ) buys alleged debt AFTER it has been charged off, but tries to appear that they buy the debt BEFORE it is charged off. If they continue to break the FDCPA laws and the FCRA, I will have no choice but to hire a lawyer and sue. I will file a complaint with the FTC as well as I believe that Resurgent ( aka LVNV ) needs to be thoroughly investigated for their illegal practices. If Resurgent ( aka LVNV ) decides to sell this account or transfer it to another XXXX of their companies, I will sue for defamation, violations of FDCPA and FCRA, and anything my lawyer sees fit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
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: Experian Information Solutions Inc. (NC)

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 section 602 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 a account without my written instructions.

15 USC 1666B : A creditor.ay not treat a payment ona credit card account under an open end consumer credit plan as a late for any purpose.

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 2022-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (TX)

Complaint:
I purchased furniture from XXXX XXXX XXXX in XXXX. I agreed to pay $ XXXX thru Synchrony bank for the cost of my purchase. I was told that the due date is the XXXX of each month. I have XXXX XXXX  records that I've paid as agreed. 

I was NOT told that a payment made prior to the XXXX of each month would be credited as a payment for the PREVIOUS month. XXXX is claiming that I have past due balances because my EARLY payments were credited as payments for the previous month. 

In a phone call between XXXX, myself, and a female in the XXXX accounting dept., the XXXX person explained why their system shows an erroneous past due balance. She said XXXX would erase/cancel the past due claims and advised me to just be sure I paid AFTER the XXXX of each month. 
I thought the issue was resolved, but XXXX is STILL making collection calls about this ERRONEOUS past due balance. My credit score has taken a big hit, and XXXX is the reason why. 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 monetary relief
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Complaint:
I HAVE SENT NUMEROUS LETTERS TO ALL OF THESE CREDIT BUREAUS SINCE XXXX TOLD THESE PEOPLE THESE ACCOUNTS WERENT MINES NUMEROUS TIMES AND YET THE ACCOUONTS STILL REMAIN ON MY REPORTS I HAVE BEEN A VICTIM OF IDENTITY THEFT SINCE XXXX AND I RECEIVE AN IP NUMBER YEARLY TO FILE MY TAXES AS PROOF. MOST OF THESE ACCOUNTS ARE REPAT OFFENDERS OPENING CARDS WITH THE SAME COMAPNIES THEY HAVE SCAMMED BEFORE.

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 2018-05-15
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: CORELOGIC INC (CA)

Complaint:
On XX/XX/17 my credit was ran and I am now showing a hard inquiry on my credit report from this creditor. I did not authorize the creditor to run my credit and I d not have an account with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IN)

Complaint:
I have a student loan through Navient. This company refuses to send payment coupons because they fraud their consumers and can collect more late fees. 
I mailed my XX/XX/XXXX payment. It was check number XXXX. It clear my bank on XX/XX/XXXX. 
I have uploaded three different bank statements to my Navient account. The third upload of proof of payment was on XX/XX/XXXX. 
On XXXX I spoke with XXXX ( XXXX ). She told me that my payment was located and that it would credited to my account that day. It still has not happened. 
The company started calling me and my husband about 4 times a day. We both spoke with them multiple times. 
On XX/XX/XXXX I spoke with XXXX. On XX/XX/XXXX I spoke with XXXX ( XXXX ). Both XXXX and XXXX told me my account would be corrected.

Today, XX/XX/18, I have received THREE emails from this company attempting to collect debt. 
I called again today. I spoke with XXXX ( XXXX ). She told me that transferred of my money to my account has not yet been approved. They took my money on XX/XX/XXXX and nearly one month later, despite hours on the phone, I STILL can not get an employee to fix my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
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. (NC)

Complaint:
I have contacted XXXX numerous times regarding my account and continue to experience credit reporting issues. 

I recently received a credit alert suggesting XXXX reported my account 30 days delinquent. Notably, I have been on a forbearance plan since the onset of COVID-19. Please see the attached confirmation letter from XXXX confirming the extension of my forbearance plan thru XX/XX/2020.

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 2018-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

Complaint:
XXXX is attempting to collect on a debt that is not owed to them. I have no legal contact or obligation to this company. I have requested a legal binding contract between myself and XXXX funding and have not received. It has been more than 60 days and by law of no validation of debt is sent, they are to delete from credit report. I do not Owe this company and ask all negative reporting be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
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. (MI)

Complaint:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact transUnion, XXXX and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.

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 2019-04-02
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: Navient Solutions, LLC. (AZ)

Complaint:
Upon review of my credit report in XX/XX/XXXX it was brought to my attention there was several accounts that reported negatively that needed my attention. A separate account owned by, XXXX, aka XXXX XXXX XXXX, aka XXXX XXXX, aka XXXX XXXX XXXX, aka Navient owned two of these accounts. I sent a original certified and notarized letter requesting validity on the alleged debt in XX/XX/XXXX to what was XXXX XXXX XXXX, and requested items be deleted per my report if validity not received in the allowed time frame.I did not receive a response letter at any point. I then received a second bill in the end of XXXX as well as the Agency continued to report to all three major credit bureaus on my behalf and also was at this point referencing to themselves as XXXX XXXX XXXX XXXX fka XXXX XXXX I sent a second request for validity XX/XX/XXXX I received a response letter from XXXX XXXX XXXX XXXX C/O Navient stating they are " unable to verify '' and requested more information, requesting additionally social security number and date of birth as well as other information that was provided originally to them already it is my understand of the Fair credit Act that I do not have to provide my date of birth or social security number to them as them are simply trying to verify this is my debt, to collect.I then sent a third certified, and notorized letter requesting a validity including my date of birth XXXX XXXX have not received a response from any of all of the above referenced collection agencies as of today 5 months since original dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
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. (WV)

Complaint:
I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : XXXX XXXX XXXX loan with account # XXXX opened on XX/XX/XXXX and a balance of {$15000.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I paid off this account but its still showing that I owe a balance. 
DPT EDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
DPT EDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
DPT EDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
DPT EDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
DPT EDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter.

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 2019-07-18
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. (CA)

Complaint:
I have 18 unauthorize Hard inquiries on my Transunion, XXXX and Transunion that hasn't been deleted. 
I didn't give no authorization or Consent to no other financial institutions pull my credit. 
I only authorize XXXX XXXX XXXX of XXXX, Texas to pull my credit on XX/XX/2019 as I am going through a VA Loan and home purchase in XXXX, Texas. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX , XXXX , XXXX.XXXX . XXXX Also, Transunion and XXXX hasn't updated my credit report and refuses to add my XXXX XXXX Tradeline account. 

One last thing XXXX, Transunion and XXXX hasn't remove the Derogatory Remarks of late payments of 30-59-60-90 days for XXXX and XX/XX/2019. Many Federal Government complaints was filed..XXXX XXXX XXXX XXXX acccount XXXX XXXX ... .I have provide evidence to XXXX and Federal Government on no late payments. 

Derogatory Remarks on my credit report is restricting me in obtaining a VA Loan for a home purchase in XXXX, Texas. 
Credit scores are not accurate and updated. 
I am XXXX Lifetime, Retired and a XXXX XXXX XXXX XXXX XXXX. 

Very Urgent Matters!

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 2020-05-21
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

Complaint:
I have attached a copy of my recent invoice of my capital one Visa Signature card. The first page has a total charge of {$7.00} for this billing cycle. The second page has an interest charge {$3.00}. That means ( $ XXXX {$3.00} ) {$4.00} is the charge for this billing period which was carried over from XXXX. 

What has happened? 

In XXXX, I disputed few charges and since the dispute was under investigation, I did not pay them. However, Capital one did not stop charging me interest. Disputes were resolved in my favor. Capital one did not update my account. Capital one continued charging me interest. I have written to few people at Capital One explaining the matter but ended up without any response or help. 
In XXXX, I have submitted a complaint to US Consumer Financial Protection Bureau ( CFPB ) Due to CFPBs interference, Capital One removed some interest, but not this {$4.00} which ended up in {$7.00} today. 

So, I am writing to you, to help me. I have tried to resolve it> I wrote to XXXX XXXX but no response. I tried to close the account, they did not respond. 
. 
I Have closed all other accounts with this improper business. I do not owe them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
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: Exeter Finance Corp. (GA)

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
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 — Their investigation did not fix an error on your report
Company: ECMC GROUP, INC. (CA)

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Complaint:
I have taken the necessary steps to address this issue by promptly reporting the false information that has been disclosed. As a victim of identity theft, it is crucial for me to emphasize the immense stress and financial burden that I have endured due to the inclusion of products unrelated to my identity, for which I bear no responsibility. The handling of this complaint is of utmost importance, as failure to address it appropriately will leave me with no alternative but to initiate legal proceedings. The presence of these false and fraudulent entries on my consumer report has had a severe detrimental impact on my ability to achieve personal aspirations, such as purchasing my dream car, and providing essential support for my family.

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