hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2018-06-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service (VA)

Complaint:
I have a complaint against XXXX XXXX and AAFES. I am in receipt of a statement dated XXXX XX/XX/XXXX ( attached ) which indicates an account balance of {$5300.00}. I called the number for AAFES collections on the statement to make payment arrangements. There was no option in the automated call system to speak to a representative at AAFES. The system told me to call a different number which I did. At that point I was connected to XXXX XXXX. The representative told me they have had the account since XX/XX/XXXX. Further I was told the balance I owed was over {$6300.00} due to a 'collection fee '. 

-I received NO notification of transfer of my account from AAFES to a third party or of any punitive fees being assessed since XX/XX/XXXX -Payments have been made to AAFES through out XXXX -There is no disclosure or itemization of any fee on the statement ( see attached ) -This is a PREDATORY debt collection activity.

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 2021-07-08
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 — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc. (CA)

Complaint:
I have been having problems with a Lane Bryant open without my consent. In XXXX store a Lady claim to enrolled me on a club membership for Lane Bryant and asked for all my info to get 10 % off. Regardless of what happen, refused to get a payment and said I is complementary for your application today. I still paid the bill send to me later. I paid {$19.00} for a XXXX dollar item. even do I paid the bank they gain their credit cards community Bank has attempted to get over {$500.00} dollars from me for their abuse. I reported them to the credit bureau and they fail to give a solution to the situation. till now they have been lying on my credit report and harassing me for no reason giving bad feedback about me even do I paid. 

their persuasive agents become personal, aggressive and attempt to induce you to pay more and more every time their abusive customer service personnel become very personal agressive and inducing when I call claiming random reasons as to why I should give them more money every time. 

I need help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-01
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. (NY)

Complaint:
Experian is saying they did not get this report # XXXX and they make it very hard for me to call them and they act incompetent at their job I spoke to XXXX at Experian on XX/XX/2022 at XXXX EST and she claimed this was not submitted and I want the status of this complaint immediately as a Consumer I am entitle to this information in a timely manner 4 days from complaint date which was 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 2023-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CO)

Complaint:
My taxes were deposited and available to my account per text message. On XX/XX/2023 I transferred money from a checking to a savings account that same day. The next day and the following days more transfers and some payments made to cash app. Majority of my transactions were transfers from my savings to my checking account with the biggest paymentbto vash app being {$1200.00} when I woke up on the XXXX of XXXX My my account was negative {$1200.00} when I called the bank They advised me that my account was negative on the XXXX in the amount of {$5500.00} because of a transfer from my checkingbto my savinging she said the funds were available but not posted at the time I transferred. My account went negative based on transfers from my savings to my checking or from my checking to my savings. However I know like with right now if my account is negative it's not gon na allow me to continue transferring money from one account to the other when I talk to the representative at Wells Fargo she advised me that my account was negative because of the way Wells Fargo processes the transfers and deposits. She told me that my account was negative over {$5000.00} after a {$4500.00} transfer and then I got a deposit of {$6600.00} which doesn't make any sense because I got a text message from them when the {$6600.00} deposit was made also I didn't have XXXX to transfer before I got that text. This is fraud there is no way that I should owe {$1200.00} based off of transfers. That I made from XXXX account to another when the backs will not allow you to transfer money from XXXX account to the other that is not available. I watched the money I transfered be removed from the balance as I make the transactions so I'm unsure how this money is owed when the money i spend shows u avaliable the moment I spend it.

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 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (FL)

Complaint:
I previously disputed several incorrectly reported items on my consumer profile, including a public record. LexisNexis sent letters to me stating that several items were deleted on my consumer profile. No updated consumer report was mailed to me. No link was provided for me to access my report. I have since called LexisNexis about six times requesting clarification on changes to my report. Each time that I call and explain my concern, I am transferred to a " Public Records '' department. Once connected, the representative blatantly disconnects the call. There were times that I was disconnected before the transfer. I have asked for a warm person-to-person transfer but that did not happen. I am placed in the queue each time. I have emailed LexisNexis, but no response. The company is refusing to provide me with a copy of my report and is deliberately making the dispute process difficult. My request is that LexisNexis investigate the calls and emails. A company that has access to my personal data yet hangs up on me fails to respond, and fails to provide me with the requested information is alarming to me. I am also requesting that LexisNexis provide me with a detailed explanation of the disputed information. As there is no way for me to know which record ( s ) were changed in my consumer profile. Today I spoke with " XXXX '' and " XXXX. '' When I spoke to XXXX she told me that she could not help me after I waited several minutes. She then told me that due to the security freeze, I can not get my consumer report. When I told her the security freeze has been on my profile since 2018 and I have received several letters this year with a link giving me access to my report, she then said it was due to my state. I then explained that my address is the same and asked for a supervisor. She said I would have to await a callback. She asked if I could provide a different number because a rep tried to call me previously and could not reach me. I explained that I was never informed that anyone would call me. I receive spam and scam calls. Had I been advised that someone would contact me, I would have been expecting their call, ultimately answering a known phone number. Six attempts later and still no resolution. Still no consumer report. Still no answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
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: Conn's, Inc. (TX)

Complaint:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (TX)

Complaint:
The National Credit Systems contacted me about a month ago and suggested that I settle with the XXXX. I explained to the representative, that due to our medical bills and health issues I did not owe the complex {$2000.00}, XXXX XXXX explained that they were willing to settle for {$1500.00}. I explained to the representative that this was too much and that the complex should be paying me and my husband for the medical expenses that were accumulated while residing in that molded apartment. At the time I offered {$1000.00} to prevent my credit from being affected but this company would not help me. As a result, the National Credit Systems is destroying my credit.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
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. (MO)

Complaint:
There remains a XXXX  account on my transunion credit report in which I have previously advised this is not my account and should be removed. I have never had an account with XXXX. This was opened fraudulently and has been a nightmare since it hit my credit. This needs to be taken care of.

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 2017-02-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (FL)

Complaint:
I have received a letter in the mail stating that I owe {$1100.00} to XXXX. This letter came from a collection agency called Convergent Outsourcing Inc . I do not owe this debt never have. I am filing a complaint against this company because their are a fake and a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (NY)

Complaint:
Citibank-I have several cards with this bank-Recently they have attached with my invoice that they are increasing my current interest rates ( old customer ) from XXXX percent to XXXX a XXXX percent increase which I feel is excessive-They claim they do credit reviews and that is the reason-Totally bogus reason! was based on this. # 1 I have an excellent credit report-Credit score is XXXX and I only use XXXX percent of my total available credit.Never late so exactly what kind of client are thy looking for if not a good one.My other cards with the same bank have also increased but different amounts all together.If it were about the prime rate plus why is the same bank charges different rates on different cards? 
My answer to this is that because I pay my balances in full they are penalizing me because I don't give them any interest money. 
These banks are preying on people with balances and using the market as an excuse to get additional monies. Really shameful. 
Comes XXXX when these increases become effective they are about to loose a XXXX + year client.

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 2020-05-29
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: Experian Information Solutions Inc. (TN)

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, DPT ED/XXXX, XXXX XXXX, US DEP ED, USDOE/XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX 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 2017-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (CA)

Complaint:
I have sent letters out multiple times and nothing has been done to address my issues. 
I have not received any correspondence from the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (PA)

Complaint:
Filed written dispute with MCM on XXXX. Received correspondence back from MCM stating that it is unclear what Im requesting. Attached is copy of letter identifying the documents that I requested. 

Moreover, attached is MCM correspondence letter I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALCHRO INC. (FL)

Complaint:
XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX FIRST FED CREDIT & COL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious FIRST FED CREDIT & COL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX Stop collection proceedings againsXXXX me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX # XXXX XXXXXX/XX/XXXXADDRESS XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phillips & Cohen Associates, Ltd. (FL)

Complaint:
The company Philips & Cohen is trying to collect money from me that is not owed. I sent this to them last year and they stopped but now they are back at it. 

Re : XXXX XXXX XXXXXXXX Account Number : XXXX Debt Collectors Account Number : XXXX Dear Phillips & Cohen Associates, Ltd I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. This letter will be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive related information. If you fail to comply with this letter, I will turn the matter over to an attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
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. (OH)

Complaint:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 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 2020-09-01
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. (FL)

Complaint:
I did sent letters out certified over 60 days ago and have yet to receive any type of notification. As a consumer i feel like these clowns are not taking me serious and taking advantage of me.

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