hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-03-10
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: SYNCHRONY FINANCIAL (TX)

Complaint:
Transaction Date XX/XX/XXXX Amount {$99.00} Transaction ID XXXX Purchased Item using PayPal credit Website I purchase item is XXXX ( Website no longer exist ) will attach screen shots of website of the item i purchase.. then after purchase was made this other seller info came up on the email after i made the purchase. This website claims that this item was made in the USA but doesn't make sense if the item is coming out of XXXX based on the bellow seller. This sounds like a scam since the website is not long available. 
Submitted dispute on XX/XX/XXXX. Dispute was closed when merchant actually responded to PayPal and said item was shipped. PayPal took their word for it and re billed me but I still do not have the item. 

Seller info : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Shipping address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date reported : XX/XX/XXXX Invoice ID : XXXX Transaction ID : XXXX Transaction amount : {$99.00} USD

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 2023-09-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

Complaint:
Re : Complaint Regarding Wage Garnishment and Unauthorized Withdrawal by XXXX XXXX XXXX, XXXX on Behalf of Midland Credit Management , Inc . 

Dear Sir/Madam, I hope this letter finds you in good health. My name is XXXX XXXX XXXX, and I am writing to bring to your attention a matter of great concern regarding an ongoing issue with XXXX XXXX XXXX, XXXX and Midland Credit Management , Inc . 

I reside at XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, and my contact number is XXXX. Recently, I have experienced significant financial distress due to an unauthorized wage garnishment initiated by XXXX XXXX XXXX  XXXX on behalf of Midland Credit Management , Inc . This matter has caused undue hardship for me, as I do not owe any money to any company or entity associated with this garnishment. 

Here are the details of the situation : XXXX XXXX : Cause No. : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount Withdrawn : {$3600.00} Legal Order Debit Contact : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Case # : XXXX I would like to emphasize that I have never had any dealings with Midland Credit Management , Inc. and have never incurred any debt with them or any other company. It appears that there has been a grave error or misunderstanding in this matter, leading to an unjust wage garnishment and unauthorized withdrawal from my bank account. 

I kindly request your assistance in investigating this matter and facilitating the return of the wrongfully withdrawn funds to my account. Additionally, I seek your intervention to ensure that XXXX XXXX XXXX XXXXXXXX and Midland Credit Management , Inc. cease any further actions related to this erroneous garnishment. 

Please find enclosed copies of relevant documents, including bank statements, withdrawal records, and any other documentation that may aid in your investigation. I am more than willing to cooperate fully and provide any further information required to resolve this issue promptly. 

I trust in the Consumer Financial Protection Bureau 's commitment to protecting consumers ' rights, and I humbly request your assistance in resolving this distressing situation. I look forward to a prompt and satisfactory resolution of this matter. 

Thank you for your attention to this urgent matter. I can be reached at the phone number provided above, and I am available to provide any additional information as needed. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AL)

Complaint:
Upon finding fraudulent activity on my credit profile I filed a report with the FTC ( included ), The following inquiries were never made by me. No true 'verification ' was made. When attempting to remedy the problem with them, they are still reporting the fraudulent information. In direct violation of my right as a consumer. This is my final attempt to handle this issues through the proper channels before I seek legal counsel and ensure my rights are respected, and upheld. 
Unrecognized activity include the following inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (MD)

Complaint:
I have a student loan account through XXXX XXXX XXXX that was also through JP Morgan Chase Bank. The account was sent to collections through XXXX XXXX XXXX, even though I never received a bill or an loan payment notice to begin with. I started paying the collections account in XX/XX/XXXX. All payments of {$150.00} per month were agreed upon by XXXX XXXX XXXX and have been made on time. My credit reports show that I have missed payments that are 180 days late for XX/XX/XXXX and XX/XX/XXXX but these are incorrect. I also do not believe that the payments should have ever been sent to a collections agency in the first place, because I was never informed that there was any payment due to begin with. The account as a whole has had a very negative effect on my credit and may cause issues for me at work, since I am enlisted in the XXXX XXXX XXXX and hold a Top Secret Security Clearance. I have tried disputing this multiple times through XXXX, XXXX, and XXXX  and through XXXX XXXX. JP Morgan Chase Bank will not respond to any phone calls, emails, or correspondence from the companies or myself and has failed to correct the information after years of filing disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
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. (TN)

Complaint:
My leased XXXX was stolen on XX/XX/XXXX. My car insurance, XXXX, sent a check directly to XXXX XXXX on XX/XX/XXXX for a Total Loss Buyout. Because the car was a lease, the check went directly from XXXX car insurance to XXXX XXXX. 
On XX/XX/XXXX XXXX XXXX deposited the full Total Loss Buyout in the amount of {$22000.00}. 

XXXX XXXX has told me they refuse to close the account due to technical error and refuse to fix the false reporting. They told me I need to wait for my credit to be fixed until they resolve their " Technical error ''. 

I have spent hours and hours and hours on the phone trying to resolve this over the past year, but it is the same answer every time. We have tried closing the account, but are unable to do so, due to technical error. 

XXXX XXXX has been paid in full and the current amount due is {$0.00}. 

I have tried disputing this on my own but XXXX refuses to verify with the credit reporting agencies that the account has been satisfied.

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 2020-06-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB, Inc. (CA)

Complaint:
I was under the impression that a medical bill through XXXX in the amount of {$300.00} was on an automatic payment plan and so I had not paid the bill off manually like apparently was what I had to do. I was not aware of this, and thought I had set up a payment plan where XXXX would automatically take money out monthly. This was not the case, I was meant to pay it manually each month but was not aware of this, so the bill went unpaid. XXXX then sent my bill in the above-referenced amount to a debt collecting agency called USCB , Inc . I was not notified of this by either XXXX or the debt collection agency. When I got a notice of a the past due bill, I immediately called XXXX on XX/XX/20 at around XXXX to try to figure out the issue. They stated they had sent the bill to the collections agency called USCB, Inc. in XXXX XXXX, CA. 

I called USCB immediately after on XX/XX/20 to deal with the bill and pay half of it upfront. When I called USCB, they notified me that there had already been {$12.00} ( roughly ) accrued in interest on the bill, even though they only had it for several days, according to them. I asked them how they can possibly charge people interest on a bill that the person responsible for paying it did not know it existed in a debt collection agency? I have not received a single piece of mail, not a single email, and not a single phone call that my bill had been sent to debt collectors, and now, it was already accruing interest. This is extremely shady to me. How can you collect interest on a bill that you were never notified you owed on? I had no idea this bill was sent to the debt collection agency USCB and they were now trying to demand that I pay interest on this bill I never knew existed there. 

This seems extremely illegal to me. This company should have to notify people when they have received a bill IMMEDIATELY, and take action to make the person responsible for paying the debt aware that they have the bill and that they are accruing an absurd amount of interest every day. I would like this to be looked into. How many people have gotten scammed by this company thinking they are responsible for interest on a bill they didn't know they owed on? How is this legal? I would like to start here first and would consider contacting an attorney to uncover whether this practice is legal. I am disgusted by this company 's shady practices and am lucky that I am not afraid to demand explanations but others may have no idea it is their right to dispute such a charge. I would like the CFPB to look into this company and whether the practice of not alerting people that they have their bills while accruing interest is legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NC)

Complaint:
I consolidated my federal student loans in XX/XX/XXXX and have been working in public service ever since. There has been several times when the loan services has placed my account in a deferment status, without my knowledge or consent. 

I requested that the deferment be removed from my account in XX/XX/XXXX and was informed by my loan services that it was and that I was in a payment status. 

The only reason I had requested to have my loans placed in a deferment status ( for XX/XX/XXXX-XX/XX/XXXX ), was  because I was in XXXX Basic ( XXXX XXXX ) and could not call to facilitate my loan payment setup within that initial 8 week period. 

I was told that the account deferment was stopped, only later to find out that the services had failed to stop the deferment. 

I have been working in public service for nearly 11 years and request to receive credit for ALL time/payments that were made in XX/XX/XXXX. 

Thank you for your assistance in addressing this matter ; please contact me if additional information and/or clarification is needed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (NC)

Complaint:
XXXX XXXX XXXX is consistently harassing me. The company has called from different area codes repeatedly every day for months, even after I have asked them to cease calls. They also send mail even after relocation to a different address that I do not provide to them. I have disputed against the company on numerous occasions and there has been no resolution. Upon further investigation, the state of North Carolina requires collection agencies to be licensed within their state. XXXX XXXX XXXX is not licensed or registered with North Carolina 's Secretary State and should therefore be removed from all credit bureau agencies immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}

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 2023-07-18
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: Experian Information Solutions Inc. (FL)

Complaint:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
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. (CA)

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2017-09-13
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: EQUIFAX, INC. (GA)

Complaint:
I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
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. (IL)

Complaint:
I have directed overpayments through the Navient website. I have clearly made the correct election to over pay a specific loan. The options on the website allow this but after I make the payment the following statement shows the directed overpayment to the specific loan has been spread among other loans despite my direction and the website directions I have chosen. I have spoken with Navient on several occasions over my repayment and they have said that they are not sure why " the computer has made that mistake '' and that they are looking into it. I have on more than one occasion asked for Navient 's assistance. I have had them walk me through making the payment to assure it was done correctly only to find the payment was spread among other loans despite having their assistance. The loan I am overpaying is the highest interest rate loan I have. It is a GradPLUS loan at 7.8 % interest. I want to direct all of my overpayments to this loan and their website says that this is allowed. I have confirmed this with Navient on the phone. Despite my direction Navient continues to take my overpayment and allot it to lower interest loans. The loan acrues $ XXXX/day. I want to reduce this and pay the loan off quickly. The blame a computer error. The account history application shows an inaccurate record of my payments in an allocation different than I have directed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

Complaint:
The consumer attempted to extend themselves credit through XXXX XXXX XXXX. On XX/XX/2021 the consumer was denied because of color violating 15 usc 1691. XXXX XXXX XXXX admitted that Equifax Information Services helped them come to that decision. I have never consented to Equifax Information Services sharing my information pursuant 15 usc 1681b ( a ) ( 2 ). This is a written demand to ceo XXXX XXXX, cfo XXXX XXXX, and whoever else it may concern including Equifax Information Services to cease and desist. If there is a inquiry or adverse action on the consumer report, block and delete it now or a criminal complaint will be filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. Account 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 non-monetary relief
Consumer complaint received 2016-08-16
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TENET HEALTHCARE CORPORATION (MO)

Complaint:
In XXXX I called Central Financial Control about a medical bill that had been turned over, I told them I could pay $ XXXX monthly, which I have been paying faithfully since XXXX XXXX, yesterday XXXX/XXXX/XXXX, I saw that this account has been placed in collections and it is showing on my credit report, furthermore it is showing on there under XXXX different collections name. I did not get any notice after my call in XXXX and they have been receiving the payments. I feel like this is unfair, I should have gotten some sort of notice before it was added on my credit report,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAINE & WEINER COMPANY, INC. (TX)

Complaint:
I hired XXXXXXXX XXXX to perform a task for my business. I owed them {$400.00} in which was paid XXXX XXXX, 2017. I then begun to get multiple calls from Caine and Weiner a collection agency based out of California. I advised them multiple times that I did not owe any money to XXXXXXXX XXXX in which XXXXXXXX XXXX verified. However they are still calling me all hours and times of the day from different numbers and area codes. They also have put the charges on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Conn's, Inc. (TX)

Complaint:
Representatives was discussing my account with another person while being unaware that my voicemail was recording. Representative stated my name, when I opened my account, the status, and said that I stole everything. Representative never addressed me on the voicemail communicated that they are attempting to collect a debt. Once the representative realized that my phone was recording she disconnected the call.

Company response to consumer: Closed with explanation