hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2019-12-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (FL)

Complaint:
I bought a fence through Lowe’s credit card and the man explained he won’t have interest for two years but he didn’t explain that after two years they tacked on two years worth of interest. I’ve always paid it on time every month till one day I checked my account and it went from XXXX to XXXX I tried to negotiate with them about a payment plan and they’re charging me $XXXX in interest a month when I could only afford $XXXX payment. I’ve talk to manager upon manager and I just don’t know what to do at this point I feel like they are robbing me and miss treating me. Now I got a letter about a lawsuit. Lowes credit card is through synchrony bank

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 2020-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK (VA)

Complaint:
I have a discover card that was opened with a credit limit of XXXX in XXXX of XXXX. I have never missed a payment on this account or any other account since this was opened. Since XXXX of XXXX I have bought a house, refinanced, as well as opened new accounts since XXXX of XXXX. 

Today XX/XX/XXXX I went to see if my last payment had posted to my account. To my surprise it said I only had XXXX available and my credit limit was XXXX. I thought my account had been had or it was a mistake. I contacted discover to only find out they had supposedly reevaluated my account and changed the limit to basically the balance on the card ( XXXX ). Please note I received on new statement on the XXXX stating my limit was XXXX, but they said a review also done on the XXXX and they adjusted to XXXX. 

This was done for 3 factors according to them - only pay miminum or close to the minimum - new accounts - seeking credit I have talked to the agents twice and it was stated there was nothing they could do. I can understand not increasing my limit but decreasing it to make it appear as the card was almost 100 % maxed out is ridiculous. This will affect my credit score for reducing my available credit as well increasing my credit usage. My credit score should not be dropped when I have done everything to keep this account and every account i have in good standing. This will have detrimental effects on my credit that I will have to find other ways to over come because of this shady business practice. 

If my life is never supposed to change to maintain a credit limit then this should be advised. Never mind during the middle of a Pandemic, this practice should be illegal as it significantly reduces my ability to ward off any financial hardship my family may face at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-11-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

Complaint:
XXXX XXXX XXXX XXXX XXXX NC has reported 2 debts ( {$210.00} and {$220.00} ) which were paid and a certified letter with proof sent to them. They also reported a debt of {$550.00} which I NEVER received any correspondence on. The first I ever heard about this was after the credit bureaus informed me of it. I have no contract with XXXX and they are in violation of the FDCPA and FCRA. Something needs to be done about this group and its practices. I want full proof they sent these notices including delivery receipts, which I am sure can not be provided. As such, I expect this and anything from XXXX removed ALL credit bureaus immediately.

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 2021-10-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (TX)

Complaint:
XXXX XXXX XXXX across the United States defrauded the students and the system. XXXX XXXX XXXX filed for bankruptcy due to these and many more fraudulent acts. 

I too recently have filed to bankruptcy and the lawyer stated this should be dismissed by the current President. This should automatically be discharged as they have for more than XXXX other defrauded and deceived students. 

It did not help that 4 days after my lawyer officially file my bankruptcy papers that someone representing Great Lakes called and harassed me about making payments starting the month of XX/XX/2021. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
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. (TX)

Complaint:
In accordance with the fair credit reporting act has XXXX XXXX XXXX XXXX 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 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 2017-05-23
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: Experian Information Solutions Inc. (CA)

Complaint:
In  XXXX   XXXX , I submitted a dispute with Experian regarding information reported by  XXXX   XXXX   XXXX  for {$420.00}. I electronically challenged the accuracy, compliance, and reportability of this information and stated : " Please validate this information with  XXXX   XXXX   XXXX  and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.   Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act  Section 611 ( a ) ( 1 ) ( A ) , and I am keeping careful record of your actions, including your Method of Verification. I do not consent to  XXXX  or any means of automated verification. '' Experian replied with " verified '' but did not provide me any documentation nor show anything bearing my signature.     On  XXXX   XXXX ,  XXXX , I sent a certified letter to Experian, Tracking # :  XXXX   XXXX  attached ) requesting the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifte en ( 15 ) da ys of the completion of your reinvestigation. I asked the to additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.     This letter was signed for on  XXXX   XXXX ,  XXXX  by Experia n ( attached ).      On  XXXX   XXXX ,  XXXX , I received a response from Experian which was dated  XXXX   XXXX ,  XXXX , 2 days past the deadline. Their response was exactly the same as the first request for validation. They merely stated " verified ''. Again there is no signature from me showing a legal binding obligation to  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 2023-08-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (CA)

Complaint:
XX/XX/ Discovered Wells Fargo had created a FAKE account in my name. 
A returned uncashed check from the County of XXXXXXXX Property Tax unit contained the FAKE account number. 

XX/XX/ A copy of the check and the letter from the Property Tax Unit was provided to XXXX XXXX at the XXXX XXXX XXXX XXXX Wells Fargo. 

XXXX said he would forward the information to the bank fraud unit. 
He said he could not provide any information on the account. 
XXXX said he could not freeze, lockdown or cancel the account. 
XXXX said I should file a police 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 2022-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

Complaint:
Wells fargo bank cashed a check that was falsely endorsed by someone who isnt me. My stimulus check was sent to me, i never received it then it was cashed by someone in XX/XX/2021. The check is for {$2800.00} .Its absurd that a check would be falsely cashed and wells fargo wont catch on to it. Im beyond upset.

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 2023-06-10
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. (NY)

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. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 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 an 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 2019-06-15
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: Clarity Services (MO)

Complaint:
Theres multiple inquiries from clarity services incorporated in XXXX Florida that keeps putting hard inquiries on my credit report. They continue without my authorization or my consent. I dont even know who they are ... and I want them removed immediately. I've called via phone already awhile back and there continues to be added and unauthorized hard inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
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. (FL)

Complaint:
I am requesting again in regard 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 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 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 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

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 2018-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: SYNCHRONY FINANCIAL (PR)

Complaint:
On XXXX XXXX after getting my credit report, I noticed I do not have any credit scores reporting. I am an authorized user of the XXXX Credit Card since XXXX belonging to my husband. I have a card in my name so I called XXXX which referred me to XXXX XXXX and was advised that they do not report authorized users. After this, I told them I was going to contact CFPB to clarify this issue. I contacted by phone your agency and was told that if I have a card in my name they are supposed to report to the CRA 's. I informed XXXX XXXX of the information received by your agency and they were going to look into the matter. Nevertheless, after reviewing my credit report again in XXXX XXXX, the issue has not been addressed. By these means, I am appealing to you for assistance in resolving this matter, since I am in the process of purchasing a home and I need this to be reported on my credit report. XXXX actually reports to the three CRA 's so I should have all three credit scores since 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 2022-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation (AZ)

Complaint:
On XX/XX/XXXX I disputed a unauthorized transaction with NetSpend All access in the amount of {$200.00} and zero cents. I was notified by the dispute department by email to write a letter of dispute within 10 business days to the department requesting the credit back to my card. I did that. I received a email after that stating that I have until the XXXX of XXXX to receive this credit back to my account. On XX/XX/XXXX I was notified over the phone by NetSpend that my dispute was closed and that they do not find any error with the the transaction. Stated that the transaction was valid and that a full investigation was made and they believe that because the transaction was made at a known merchant of mine and because I didn't change my pin before this happened that the transaction was valid and they are not issuing the credit back to my card. I called the same day of the incident and reported that my card was used and I do not recall and did not authorize the transaction. I said that " IT WAS NOT ME MADE THE ATM TRANSACTION ''. I was told that I will get help and this charge will be disputed, and on XX/XX/XXXX I was told that I can not receive my money back because NetSpend feels like there was no error found. I believe that if I call and say my card was stolen and I did not make this transaction, that is a error that needs corrected. NetSpend did not correct this error and their reason was because I have used that mechant before. I am desperately trying to recover the {$200.00} that was stolen from me and it is so not fair that my money was taken and NetSpend will not do what needs to be done to give it back. I am filling a complaint on the dispute because I know in my XXXX for a fact that NetSpend All access is wrong. If my money was wrongfully taken from me and I reported this in a timely manner, there is no reason why I shouldn't get it back. I did not receive a copy of the investigation that was supposed to be sent to me by mail and email. The supervisor I spoke to was vXXXX XXXX I was hung up on twice. I am completely feeling robbed with out any answers, this is very hurtful, I've gotten sick during the fight for my money back and I'm tired. Can someone from this Company please reach out and help me. This is my first time having to file a complaint with the cfpb.

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 2022-02-01
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: EQUIFAX, INC. (AL)

Complaint:
Good Day. I am writing to have the items listed with my report deleted deleted from my credit profile. I am a victim of identity theft and did not authorized these inquiry requests, I ask that the items be deleted to correct my credit profile. I reported the theft of my identity to the FTC ( federal trade commission ) and I also have enclosed copies of the Federal Trade Commissions notarized identity theft Affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: PENTAGON FEDERAL CREDIT UNION (TX)

Complaint:
I traded my purchase loan vehicle into XXXX XXXX  XXXX XXXX to start a lease on a new vehicle. I requested a loan payoff good thru the XXXX of XXXX from PenFed. XXXX XXXX  XXXX XXXX sent a payoff check in XX/XX/2021 and have proof it was signed for by XXXX. at XXXX on XX/XX/2021. To this day my account shows that I am due for the XXXX payment of {$1300.00} and the remaining loan amount of {$39000.00}. Since then I have called in over 3 times to get this resolved and I have been told it was being investigated, that it will soon post, and not to worry about it. To this day nothing has been done and I am receiving various types of notifications that my loan is in default. This is obviously in violation of FDCP regarding my loan that should reflect a paid in full status! I need this to be resolved ASAP!!!!!

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 2019-07-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Partners, LLC (IN)

Complaint:
I SENT A CERTIFIED LETTER TO IMC CREDIT SERVICE AT XXXX XXXX XXXX   XXXX IN XXXX ON XX/XX/2019 AND I JUST RECEIVE A TIME EXP RTN TO SENDER ON XX/XX/2019 ( 1 MONTH LATER ) WITH THE ADDRESS XXXX XXXX XXXX XXXX, IN XXXX, USPS SIGNATURE TRACKING NUMBER XXXX THIS WAS DONE ON PURPOSE FROM IMC CREDIT SERVICE. IN DISPUTE TO A MEDICAL BILL THEY SAY I OWE THEM, I SPENT MONEY ON SENDING CERTIFIED MAIL TO THIS COMPANY AND YET THEY ARE STILL IGNORING ME, THEY KNOW THEY ARE IN THE WRONG THESE COLLECTION COMPANIES AND THE CREDIT BUREAUS ARE BREAKING SO MANY FCRA LAWS AND NOTHING IS NEVER DONE TO THEM, BUT IF A CONSUMER BREAKS A LAW, THEY ARE SENT TO JAIL OR FINED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
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 — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE (CA)

Complaint:
At the start of the pandemic in 2020, I was laid off and unable to make credit card payments, car notes, rent, etc. I also contracted covid and tested positive. I reached out to the company a few months ago, alerting them of my situation about how Ive had my account for many years and never missed a payment up to this date except for the missed payments at the pandemic 's beginning. Once I recovered, I paid all my debts and stayed on top of my bills. Its coming up on two years of on-time payments. I contacted the company asking if they could remove the late payments from my credit report because they happened a few months before the company offered the option to defer payments They said no. That is the only reason I was able not to miss any more payments was because of that option until I recovered and found work and paid my debt in full.

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