hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2018-08-29
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 — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (FL)

Complaint:
On XX/XX/2018, I disputed an account with TD Bank NA that is on all of my credit reports. Thirty-three ( 33 ) days later, TD Bank authored a letter in response to my dispute, which they received and stamped received XX/XX/2018. 

TD Bank dated their letter on XX/XX/2018, acknowledging the written dispute that I sent in and informed me to fill out an ID Theft Affidavit and send it to them. TD Bank also included paperwork with a Primary Social Security Number which is not mine, it belongs to a business. 

On XX/XX/2018, I sent another letter disputing their findings again with their evidence requesting to have the account removed. 

I am also including a copy of my credit reports showing that the account is still listed as my account. 

On XX/XX/2018, I sent another certified letter requesting the following : The nature of the debt ( e.g., credit card, consumer loan, medical bill, etc. ) ; A current balance owed on the debt ; A complete payment history on this account ; A complete itemization of all charges ( e.g., principal, fees, interest ) ; Copies of all documents reflecting an agreement to pay the alleged debt ; Copies of all invoices, bills, and notices concerning this alleged debt ; A copy of the first written communication attempting to collect this debt ; A copy of any judgment obtained with respect to the alleged debt ; Proof that the statute of limitations has not already expired ; Evidence that you are authorized and licensed to receive payment of this debt ; Copies of all reports or notices provided to any credit bureaus ; Identification of the original creditor ; Identification of all successors in interest to the original creditor ; If this debt has been purchased or assigned, a copy of all related agreements. 

The XX/XX/2018 letter was ignored and I did not receive any response, nor was the information removed from any of the credit reporting agencies. 

I am providing evidence to corroborate my statement that TD Bank NA has violated the FCRA and FCRB and did not provide me within the thirty- ( 30 ) day time frame as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PA)

Complaint:
XXXX  XXXX XXXX XXXX was recently removed from my credit report. It than reappears but states that last payment was missed XXXX of XXXX which is not valid. Per my credit history and there company last payment from me was received XXXX during the repossession. I spoke to a customer service rep at the company who stated she would get this item removed from my credit report. However it has not been removed and it has shown open and than closed more than 3 times. I have tried to work with the credit reporting people and sent 3 request to have this removed since the account is from XXXX. However I have been unsuccessful in this process as well. It has caused my credit to fluctuate up and down and I was denied a loan due to this incorrect information on my report. Both my credit report and the company show that my last payment was in XXXX but they are reporting this to the credit bureaus more recent. If the information were to be actually accurate I would owe nothing and the company would actually owe me money per my investigation. 
Can someone please help 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
Consumer complaint received 2020-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (WA)

Complaint:
I am a cosignor on my ex wifes student loan. I have been eligible for cosignor release for many years. We are not in contact and she refuses to sign the paperwork. The servicer will not release me without signature from my exwife. This was not int the contract and i believe it is just a way to for the bank/servicer to keep me attached to this loan. I have requested in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The current sercicer is XXXX/ XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
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. (SC)

Complaint:
On XX/XX/XXXX I contacted Experian about the fraudulent collection XXXX XXXX XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$1400.00} ). Attached is the dispute I mail them certified mail. To this date they have not respond to my dispute or remove the fraudulent collection.

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 2023-04-03
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: SYNCHRONY FINANCIAL (NC)

Complaint:
I opened an account w/SynchronyXXXX XXXX on or around XX/XX/XXXX. I received a notice from Synchrony that my XXXX XXXX account was being transferred to XXXX as of XX/XX/XXXX. But on XX/XX/XXXX I called Synchrony XXXX # as I usually do to make pymts and was advised that they no longer had this account and that I would need to call XXXX ( XXXX ) to make any and all future pymts. I called that number provided and was told by XXXX XXXX customer service member that they did not have any records of my account. Which lead me to call Synchrony once again. This went back and forth with no resolution. At the time I only owed SynchronyXXXX XXXX account {$1100.00}. However, when I checked my credit report, it read I owed {$2300.00} which they now had charged off as of XX/XX/XXXX. I was never notified that this account was charged off prior to me receiving the notice of change in ownership to XXXX. 
Sychrony bank charged off the account yet are still reporting each month to all 3 credit bureaus that I am late every month paying on this account. An account mind you that they no longer have. How can a company report that a consumer is late if they do not have the account, it is transferred or sold, and/or the consumer is unable to make payments to that company? 
Because these creditors pay these credit bureaus, we consumers are at a real disadvantage, and it is making it almost totally impossible for any consumer to have fighting chance to correct any discrepancies. These inaccuracies are causing major adverse effect on my credit report and score, and I have been denied credit due to these inaccuracies. 
I have tried to contact Synchrony Bank directly however, as I mentioned before, I am being told that they no longer have this account and can not assist me in this matter. Therefore, I am writing you in hopes of a resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Arbor Professional Solutions, Inc. (MI)

Complaint:
Arbor Professional Solutions is violating federal laws and have sent me a billing statement with billing errors, see attached documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC (TX)

Complaint:
RENT DEBT AUTOMATED IS VIOLATING THE FAIR DEBT COLLECTIONS PRACTICES ACT BY CONTINUING TO REPORT ON A DEBT THAT IS THE RESULT OF IDENTITY THEFT THEY ARE TARNISHING MY GOOD NAME AND AFFECTING MY CREDIT WORTHINESS OVER AN ACCOUNT THEY HAVE NO RIGHTFUL USE TO AND THAT IS THE RESULT OF IDENTITY THEFT. IF THEY DO NOT REMOVE THIS ACCOUNT I WILL HAVE TO ESCALATE THE MATTER FURTHER.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

Complaint:
Our mortgage company is stating that since the state I reside in was deemed as a federal disaster in XX/XX/2021 that FEMA required ALL mortgage companies to report to credit bureaus for anyone with a mortgage that they needed financial assistance to pay mortgages even if they did not need help. We did not need help and told the mortgage company that. As a matter of fact, our payments were made in advance of the Texas Winter Storm. According to XXXX, our mortgage company reported that we were in a loan modification because of the federal disaster and they refuse to report that our payments were made on time for XXXX, XXXX and XXXX of XXXX Credit reports for myself and husband are showing NO DATA REPORTED for those months. Mortgage company advised me this morning that the reported information would not be corrected because that is how FEMA told them it had to be reported. We were NOT under a forbearance or loan modification and all payments were made on time. Even though the no data reporting does not neccesarily hurt our FICO score, it doesnt help it and we arent getting the credit for those payments that are being made. We've had this problem with this company before and their sister company as well. It is frustrating and want it to be corrected and reported accurately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (TX)

Complaint:
I HAVE TOO MANY OPENED ACCOUNTS PLUS NEGATIVE ITEMS THATS SHOWN ON MY CREDIT REPORT FOR ALL 3 CREDIT BUREAU AND THATS DECREASING MY SCORE EVERY SINGLE MONTH

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 2023-02-14
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. (SC)

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. 

Account name : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 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 2022-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION (GA)

Complaint:
I opened an account with Pentagon Federal Credit Union on XX/XX/22. Prior to opening this online account, I submitted all of the requested information to verify my identity and establish worthiness of being issued an account. 

Since opening the account I have made a total or XXXX accounts ( unable to access account for reasons to be disclosed later ). On XX/XX/22, I made a mobile deposit of a check written from a reputable business/ my Attorney 's office and received the usual notification that there may be a usual and customary delay before gaining access to the funds. After that deposit, I attempted to take care of monthly financial obligations for which the account already had funds available. On XX/XX/22 I received notification from my mortgage company that there was an issue with my XXXX monthly payment. When I logged onto the mortgage company website for further details I was then informed that my account was blocked. 

Supposedly my account was blocked by PenFed on XX/XX/22 yet this institution has made no attempt to notify me. They have my phone number, email address as well as mailing address yet my first notification that there was an issue with my account came from my mortgage company. This is yet another example of the incompetency and discriminatory behavior of this company and its employees. 

I attempted to access my PenFed account and received a pop-up message that my account was blocked and contact information was provided for additional information. I contacted the phone number provided and was told that there was suspected fraudulent activity on my account ( what exact fraudulent activity is unknown to me and PenFed refusing to elaborate any further ) and as a result my account is blocked. I am now required to submit additional documentation to verify my identity ( once again for reasons undisclosed to me ) and I am not only denied access to the funds that were already available in my account but also the funds for the recent mobile check deposit. This has resulted in all of my funds for paying monthly financial obligations frozen with an unknown release date. In all of my years of dealing with the banking industry, I have never had an entire account frozen due to a mobile check deposit. At the very most, access to the funds related to the mobile deposit in question would be delayed by XXXX weeks at the most. I am unfairly being discriminated against due to reasons undisclosed. This has created an unforeseen financial hardship for my family in addition to unnecessary stress and in adverse effects on my health.

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 2022-08-12
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. (WA)

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I sent a letter addressed to the Credit Bureaus last XX/XX/2022 requesting that the Credit Bureaus conduct an investigation and correct the information being reportied by the furnishers. I have also sent letter before the said date and have been waiting for the Credit Bureaus to respond and yet they have sent me nothing. The 3 credit bureaus must validate this account in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct from erroneous reporting in my file is listed on my credit report : XXXX XXXX XXXX Late Date 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 2020-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Complaint:
Hi, and how are you doing during this COVID-19? This is directly involves my capital one account with credit limit of {$5000.00} that was marked late on my credit report between or around XXXX 2020 for 30 days late. I was actually shocked when I reviewed my credit report and found that late payment on my credit report. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
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: ALLY FINANCIAL INC. (TX)

Complaint:
Ally Financial has incorrectly reported that I had a past due status which I did not. My truck was completely totaled out by my insurance in XX/XX/2016. They are stating I was late which resulted in my credit score dropping 50+ on each side. I have contacted them and the credit companies.

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 2019-02-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Account Services Group, LLC. (TX)

Complaint:
On Wednesday XX/XX/XXXX this company left a voicemail to return a call did not leave a name but said it was in reference to legal documents from the clerks office document # XXXX. That same day they called my father in laws cell phone number. On XX/XX/XXXX they called my daughters cell phone number as well. I do not know who they are I called but they are closed when I get off of work. I do not have any lawsuits against me and this company has not called my direct cell phone. They are calling relatives and giving this information to them or leaving it on their voice mails. These numbers they are contacting I have never given out so I do not know how they are getting this information. Also I have never received a collection letter from this company.

The company name is National services group. Phone # XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (RI)

Complaint:
I had opened an account with XXXX XXXX to purchase a bicycle on a 0 % 12- month financing plan. That was fine until the card company owner - Comenity - ended the XXXX program ( or it was sold to Comenity ), while I still had a remaining balance ; effective XX/XX/XXXX. I have not used the card for ANY purchases since Comenity took over. My original 12-month 0 % XXXX plan lasts until this coming XXXX, XXXX. 

To date, Comenity had honored the no-interest payment plan. They did, however, charge me a {$40.00} late fee at least once when I had paid the bill/got it in the mail in what should have been plenty of time. The runaround I got from them when I tried to complain ( to a call center staffed with scripted people for whom English is not the first language/it 's XXXX ) suggested I would have had to have paid the bill the moment it arrived, their lack of grace period/suggested mail-ahead time was so extreme. 

Because of my disgust at this, I paid the entire balance off last month, a matter of about {$340.00}. 

I just got my latest statement, which shows it was paid off, but carries a {XXXX} balance. 

The date of payoff, in full/total balance, is listed as XXXX XX/XX/XXXX, on their printed statement ( see attached photos ). 

The date they charged a {XXXX} fee, listed as a " Minimum Interest Charge '' was XXXX XX/XX/XXXX. Again, printed on the statement. I have never made a single purchase that was supposed to be subject to interest- all were made under the XXXX XXXX/prior to the change to Comenity. 

I attempted contacting them again and got a ridiculous/gibberish runaround from the again non-native-speaker with a zombie script, making inane references to revolving credit statements back in XX/XX/XXXX ( when the plan was still 0 % XXXX .... ). I hung up in frustrated disgust. 

I'm now paying them their {XXXX} and am going to attempt to close the account ( wish me luck ). 

I just think Comenity Bank XXXX XXXX, Ohio/ XXXX XXXX XXXX XXXX Texas needs to be on your radar : this is the WORST 'gotcha ' behavior I have ever seen from a credit card - it's just a scam, basically, and I want out. I don't trust these people at all and have no interest in using their card or being their customer. 

It's not worth my time ( billable hours of my own ) to knock my head against the brick wall of their horrible customer service over {XXXX}, but it would be good if your watchdogs had a look at these people. I think they're in the game of bilking consumers. I'm a guy with a XXXX XXXX/not at all illiterate financially or literally, nor naive, but I really worry what these folks could do with behavior like this to people running serious balances with less fiscal knowledge.

Company response to consumer: Closed with monetary relief