hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-02-26
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: SYNCHRONY FINANCIAL (PA)

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2022-10-23
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. (NV)

Complaint:
NOT MINE
SICK FOR AN ENTIRE YEAR WITH XXXX  -

Contact info
Address
XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX  Phone number
XXXX XXXX  
Is everything correct?

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 2021-08-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (LA)

Complaint:
Because of the pandemic I have been unemployed for an extended period of time and the company A.E.S. does not follow the President and Congress ' guidelines for a moratorium on payments and interest. The current moratorium is until XX/XX/2022. The continue to list my account as past due for more than 30 days as this is XX/XX/XXXX and before the President extended payments due was to start on XX/XX/XXXX. None of this makes any sense. They do not respond and if they do it is an unpleasant experience. I have just recently been a victim of identity theft and am working hard to straighten out my credit reports. This loan company has added almost {$100000.00} to the principle of my loans and I am XXXX years old about to retire, there is no way I will ever be able to pay this off. This report makes it impossible for me to get a credit card or to buy anything. If they would just follow the government 's guidelines it would be so much easier. There is almost nothing about their report that is accurate. The State of Louisiana has ended the Pandemic Unemployment benefits early thus making it impossible for thousands of people to pay their bills.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-20
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HW Holding, Inc (AL)

Complaint:
The debt was removed off my credit report and added back on several months later. The debt need to be removed again off my credit report

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
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: Lending Club Corp (MT)

Complaint:
I currently have a LENDING CLUB Loan & I have called on numerous ocasions to inform them that my loan is not being shown on my XXXX, XXXX, & XXXX Credit Report. I keep getting the run araund and I've decided not to continue trying to resolve this with XXXX anymore since it's not going anywhere, Note : I was told by LENDING CLUB that once I was approved for the loan that they REPORT to XXXX, XXXX, & XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Complaint:
On XX/XX/2021, I wrote to the credit bureaus ( XXXX XXXX, Transunion ) requesting an investigation into items that I believed were inaccurate and unverifiable. I am in disagreement with the items shown on my credit report, and I requested that these items be re-investigated. 

Since this is my third request, I will also be sending a copy of this letter ( attached below ) to the Consumer Financial Protection Bureau notifying them that I have signed receipts for letters sent to you and you have not complied with my request. According to 15 U.S.C. Sec. 1681i ( a ), you are supposed to complete this investigation within 30 days of receipt of this letter. 

On XX/XX/2021, I once again wrote to the credit bureaus ( XXXX XXXX, Transunion ) requesting they reinvestigate my disputes since I have not heard from them and it has been well over 30 days. I understand that they are required to notify me of their investigation results within 30 days and provide me with an updated copy of my credit report. As of XX/XX/2021, I have not received and update regarding my disputes nor an updated copy of my credit report. 

The credit bureaus are clearly in violation of 15 USC 1681i ( a ) as well as 15 USC 1681i ( 5 ).

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 2023-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06
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. (CA)

Complaint:
I told Esperian via website that there are addresses on my file that dont belong to me along with a collection thats been on my file since XXXX. This delinquent account has been sold over and over again and each month and year its sold and bought the collection reappears on my credit file. I been in prison since XXXX and was released XX/XX/XXXX. There are inquiries on my report during the years I was incarcerated and up to year XXXX before the month of XXXX. XXXX also have these inquiries doing this time period on my credit file. I need 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 explanation
Consumer complaint received 2019-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

Complaint:
Over the last several months I went over the limit on my XXXX XXXX XXXX XXXX card by Citi. Nothing was said for many months and I continued to make the minimum payments or more when possible. In XXXX they wanted the entire overage paid which I didnt have so I sent more than the minimum from the previous month, they called and said that wasnt the minimum and as a result I was Past Due I needed to send them an additional {$200.00}. This is not anywhere on the statement. They also bumped the interest to 29.99 %, almost double what it was because I was past due although they got the payment I believed was due on time. In XXXX I paid as much as the 2 payments from the month before on time and now they again say I am past due and want another {$200.00}. They agree that they got my payment on time but say it isnt enough? The statement says the minimum payment is the entire amount over my limit, but when they call, they have this other number they use. It appears they do this so they can keep me at the higher interest rate. What are my rights? Do they have to communicate these numbers to me? They allowed me to go over the limit for months, then decided they wanted it all. I am working on getting it paid off, they are only making it more difficult and in the process destroying my credit. 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 explanation
Consumer complaint received 2022-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Complaint:
Dear CFPB Staff, My name is XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX staff 's mistakes and lies have severely damaged my credit scores which is hindering my ability to improve my living situation. 

I made a payment on my credit card with their Phone Support Staff last month in XX/XX/2022. I did this with their staff on the phone going through the entire process going through their staff telling me their terms of service and if I agreed. I did agree. However, even though their staff told me they processed my payment their staff never did. This has resulted in an unjust and fraudulent Late Payment on my Credit Report with all the major Credit Bureaus.

I called again last week when I discovered there was something wrong. I paid my entire bill and was informed that this fraudulent Late Payment would be removed from my report by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 's staff along with my unjust late fees return. XXXX XXXX has just notified me this employee lied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (CA)

Complaint:
I applied for a a Union Bank XXXX credit card that was 0 % interest rate for 18 billing cycles. My first billing cycle was XX/XX/2022. Union bank then got acquired by US Bank. I received the card and this billing cycle, I received my statement that I was charged interest. It has only been 13 billing cycles. I called US Bank and the representative told me that interest rates are variable and they are allowed to change terms whenever they want. They also told me I had no recourse.

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 2020-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (VA)

Complaint:
Hello, on XX/XX/XXXX I received a notification that Discover updated my payment information on my XXXX  Reporting from past due XX/XX/XXXX to current. However all 3 bureaus were not updated so I sent a request to have all 3 bureaus updates. On XX/XX/XXXX, I received notification that Discover had removed the positive payment history and reported the negative history again. I feel like this was a very bad experience and that Ive been discriminated against. The decision to add back negative historys UNJUST, negative and has violated my  consumer rights and is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
On XX/XX/XXXX  my mortgage company reported false derogatory information to all 3 credit bureaus. Within minutes, I filed disputes with the 3 credit agencies and filed a CFPB claim as well. Within 2 days of the false information hitting my credit report, XXXX XXXX XXXX has lowered my total credit limits from $ XXXX to $ XXXX. 

After reaching out to XXXX with no help from anyone, I came here to request assistance. I have worked my entire life ensuring that I need to keep my credit file clean and in good standing. 

XXXX  XXXX XXXX has chosen to use this false report ( It has already been corrected on all 3 reports and I have a letter from XXXX with an official apology for the mistake ) I have no remedy or recourse in order to be made whole again. I worked years to establish and build my credit lines, banks should at least ensure the information they are acting on is valid! 

I am a consumer who has been taken advantage of, through out a system of inequality. This is gross negligence and is cause for me to reconsider who I bank with. 

Again, XXXX  XXXX XXXX does not care that the error was a mistake and has stated they do not care to see the document received on company letter head from XXXX issuing an apology for the incorrect reporting to my credit reports.

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 2022-09-06
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. (NJ)

Complaint:
In accordance with the Fair Credit Reporting act XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
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. (CA)

Complaint:
Consider this complaint as my follow-up complaint for my previous complaint which contains these disputed items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want you to remove all of the listed items for I believe they are fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (KS)

Complaint:
I am including this website link to be included in my complaint against American express to substantiate my complaint claim. 

https : XXXX American express without my authorization and against my instructions charged me for an annual fee of {$690.00} after blocking my card use for several months fraudulently lying to me and harassing me ruining my credit score by XXXX points plus by excessive credit inquiries on me that other cardholders are not subject too especially their millionaire and billionaire cardholders. It is discrimination American express subjected myself a 100 % service connected XXXX Veteran to this double standard without my authorization and with interest charged me fees after fraudulent without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Southwest Recovery Services, Inc. (UNITED STATES MINOR OUTLYING ISLANDS)

Complaint:
Southwest Recovery Services as its membership organization XXXX have breached confidentiality. A statement was issued for dismissal and was disclosed to the collector for abusive practices i.e. XXXX XXXX XXXX, formerly the membership director. The personally identifiable information disclosed to non-authorized persons was mishandled by Southwest Recovery Services. I often get stalked by Caucasian women wearing black clothing and hair dyed black pursuing me for reconciliation of the amount requested. I have filed police reports for XXXX assault, serious threats of social and political ostracism, and retaliation from the board of governors of the XXXX XXXXXXXX XXXX  XXXX, however, they were dismissed as being sensational. I have been making several reports to the FBI and the Office of the Inspector General ; however, no result has come about, and the stalking and disregard for common law continue -- threats of physical by gang members of assault with the intent to paralyze me and have my cadaver disposed of by drawing it, I've even had Southwest Recovery Services as locals hint at XXXX XXXX XXXX XXXX XXXX XXXX ; which, is the sum of the basis of a claim for asylum filed under the XXXX last Spring.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (MO)

Complaint:
I absolutely tryed to make online purchases with my card and it would not go through and Them I contacted JcPenny and they said they had no idea what was going on just for me to contact the credit bureaus and see what the problem was I was just very very unhappy and upset because my jcpenneys credit card payment have been in on time and it was always paid completely off and In full I most definitely would like to have my credit card back on so I can make purchases on line please and thank you very much for fixing and finding out what the problem is and my issue,.

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 2019-04-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (CA)

Complaint:
We had closed our business. The liquidation process included a Citibank business bank account and we kept it open for few months after business closed which was XX/XX/XXXX. The account had the last of the business funds for clearing all outstanding debts. The business had a XXXX XXXX merchant  card account which was originally referred to us by Citibank banker and merchant services employee. Since the business closed, me and my partner asked the XXXX XXXX branch, where we opened the account, to cancel our merchant card account and close the bank account XX/XX/XXXX. The XXXX XXXX merchant credit card service, customer service number they gave us kept us on hold or sent to voice mail. After two months of runaround my partner went XX/XX/XXXX and asked to close the account. She is a signer in the account and they refused and asked to keep it open until the transaction posts. That would leave a balance of {$5.00}. They ignored the request and did nothing about it. No follow up, no actions. All these time they have been charging the merchant card fees.Request for help over phone again was not reciprocated. Only reason we assume is that unwilling to help due to the fact that XXXX  is not our first language and XXXX is. My partner changed addresses and in order to update the address for personal account and close business account she went to bank and requested to business account to be closed. She was told there is charge again ( - {$160.00} ) or so. We closed our business and are rebuilding our lives. This unnecessary expense which was not our fault was upsetting, and my partner went to talk to the manager. The emotional request was no helped. My friend a translator knew our plight and came to help translate on our behalf. His insistence immediately caused the manager to call XXXX XXXX and close the merchant card account. The translator friend just stated the unfair mistake on their part and requested remedy and close the account today XX/XX/XXXX. The manager became combative and starts making threats that he will not close the account and send the fees to collection, and he can escort my translator friend out of the store. Request for contact info of superior officer was denied. The disrespect and bad customer service compounded with refusal to help and threaten financial attack using collection as a conversational piece made my partner livid and hurt emotionally. Its not our fault the merchant card account was not closed. I hope a business agency like CFPB would hear our plight and help us resolve the issue.

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 2018-05-01
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. (NY)

Complaint:
Hi my name is XXXX XXXX I am contacting you because once again XXXX XXXX 2018 experian credit bureau added a fraudulent collections account to my credit report XXXX XXXX in which it is Not mine or No knowledge of account and I have had an ongoing issue with all 3 credit bureaus that everytime I pay my balances down they add fraudulent collections items to my account to lower my credit score. Please make this company remove this fraudulent account as it doesn't belong to me nor do I have any knowledge of it as it is fraud and I want it removed from my credit reports at once. I am XXXX and this whole identity theft is taking a toll on me mentally emotionally and physically please remove this fraudulent collection account from my credit reports.

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