hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2017-12-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (PA)

Complaint:
Dear CFPB, I am writing regarding the predatory lending practices of XXXX XXXX and Comenity Bank. We made furniture purchases there under their XXXX month interest free which was heavily promoted by the staff at XXXX XXXX. We have been making regular payments to our account and have actually continued to support the company. Last month we realized that Comenity added large amounts of interest to our balance. Approximately {$3000.00} to be exact. When I called to speak to them about it, they noted that their program is actually a deferred interest program NOT an interest free program as is promoted by them and in the stores. This means that they take the interest accrued over the past XXXX  months ( calculated on the original balance even though payments have been made ) and add a lump sum to the account. I spoke to a supervisor at the credit card company for a long time to address the issue. I actually made a payment for the balance on the goods I purchased in FULL ( A ~ {$5000.00} payment ) while on the phone with them. The supervisor understood my concerns because it is an issue they are faced with often since most consumers are mislead to believe they are entering a typical interest free agreement. The supervisor escalated the issue as a dispute to Comenity Bank. I have now received a letter from Comenity Bank stating that they will not forgive these interest charges despite the fact that they are misleading consumers at the time of purchase and are making minimal effort to clearly inform the consumer of the consequences of this particular plan. I am writing to CFPB so that they may address this issue and help other consumers from falling into this same trap. 
Thank you for your time!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
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. (GA)

Complaint:
XX/XX/25 I received a response from CFPB stating said company ( Experian ) stated they do not recognize me as their consumer or authorized representative ( reference complaint ID # 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 2020-06-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (MI)

Complaint:
Dear Collector : Please be advised this letter is a demand for validation pursuant to the Michigan Consumer Protection Act and the FDCPA, made by XXXX XXXX. Your failure to respond may trigger action for damages brought by an individual consumer against XXXX XXXX XXXX, for violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et seq., and the Michigan Collection Practices Act ( State Act ), MCL 339.901 et seq., which prohibit debt collectors from engaging in abusive, deceptive, and unfair practices. Furthermore, FCRA Sections 623 ( a ) ( 5 ) ( A ) & ( B ) stipulates what a collection agency must do to attempt to determine the date it must provide to a consumer reporting agency for calculating a seven-year period. This date is a key to ensuring that collection accounts, even when transferred from one collection agency to another, do not result in a change in the calculation of the seven-year period for retention of adverse information. 

Be advised THIS IS NOT MY DEBT! Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692 ( g ) : I XXXX XXXX states that your claim is disputed and validation is requested. During this period of dispute, consistent with the requirements of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et seq., you are required to stop all efforts to collect this alleged debt and remove any negative reporting to any credit reporting agencies or be held accountable for the ensuing liability and penalties arising under the FDCPA. Further consistent with the requirements of the FDCPA, 15 USC 1692g, please verify the debt you are seeking to collect, in writing, in the following particulars : What the money is owed for ; Explain and show how you calculated what you say is owed ; Provide copies of any papers that show the amount claimed to be owed was agreed upon ; Provide a verification or copy of any judgment if applicable ; State if you purchased this debt from the original creditor ; Prove the Statute of Limitations has not expired on this account Show proof that you are licensed to collect in Michigan Provide copies of your license numbers and Registered Agent

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (FL)

Complaint:
XXXX XXXX XXXX in XXXX XXXX, FL lied to my face about having to take out private student loans to finish my degree. Private loans were never mentioned one single time by anyone at this school, they would just tell me I needed to fill out my loan paperwork otherwise I would not be able to continue my education and would be kicked out. Only after I graduated and started repayment did I find out that about XXXX % of the loans taken out in my name were high interest private loans. If I would have known this from the very beginning I most likely would never have signed the enrollment agreement and attended this school. They committed predatory lending on a huge scale and have scammed thousands and thousands of young people who were straight out of high school and did n't know any better. They have ruined many kids financial futures. I am XXXX years old now and still struggling with the mistake of attending XXXX XXXX when I was XXXX. XXXX XXXX is being sued by over a dozen attorney 's general for their shady practices, the CFPB for predatory lending and the SEC for fraud. If you look up XXXX XXXX 's reputation on XXXX you will see that they are a complete scam and many people 's lives are ruined because of them. My campus in XXXX XXXX, FL has been consolidated with the campus in XXXX due to their plummeting stock price and decreased enrollments quarter after quarter. This company is sinking and their predatory lending and illegal practices is what caused it. These fraudulent and predatory loans are backed by USA Funds , Inc. I have used {$6500.00} of inheritance money from my dead grandmother to pay these loans down and it is the only reason why I 've paid down the principal balance to any reasonable level. These loans are complete fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
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:
I am writing to address fraudulent personal information and inquiries associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

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 2022-11-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (NJ)

Complaint:
I went on XXXX to lookup XXXX  XXXX  customer support. Found a number believing it was XXXX  XXXX. Called an they pretended to be the company customer support. I didn't know that I could only withdraw a {$1000.00} a week from XXXX  XXXX. That was the reason for the call. They instructed me to place the money on another card until they fix the issue. When I did they hung up. I finally got the official XXXX  XXXX  number and told the to launch an investigation. They stole {$13000.00} from 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 2021-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
I have been disputing my erroneous accounts reported in my credit report since XX/XX/2021 and have never received a response from the credit bureaus. What else am I supposed to do so that my rights are not violated? I have already sent letters by all known means. I am not happy with the way the credit bureaus have handled my case. I am in my right to dispute all the erroneous accounts that I find in my report, and, if it is not verified, it must be eliminated.

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 2018-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Security Credit Services, LLC (PA)

Complaint:
No contract with company. They refuse to send out proof of this matter. When I ask about this account I get a ride response. I do not know about this company they say they are a third party that brought account. I never signed anything with them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
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 — Was not notified of investigation status or results
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Complaint:
The collection company threated me on leagel action

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC. (FL)

Complaint:
I have a FDIC account in my HSA ( health savings account ) with Optumbank. Website does not work and has been down for days. Called customer service ( XXXX ), and supervisor ( XXXX ) to access funds. They did not help. Only stated i could try to access website some other time. Not acceptable to prohibit access to an FDIC account for days. Please investigate Optumbank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (GA)

Complaint:
Collection is not from original creditor Amsher collection services at XXXX XXXX XXXX XXXX XXXX, AL XXXX has been sending me collection notices in the amount of XXXX the collection has been reported as past due. I do not know this company i have never done any business with this company. This business does not have a contract with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

Complaint:
My account has been frozen for 2+ months now with upwards of XXXX dollars, that I can not access since XX/XX/22. I deposited a cashiers check into my branch in person, which was an inheritance from my grandmother ; it was assumed by the bank teller that it was fraudulent ( which it in fact is not, and has been verified and confirmed since this assumption ). 

Because of this, the bank [ Citibank ] restricted my account completely, and told me, in writing, that I would receive the totality of my funds and regain access to my account in 5 business days. However, the day I left the bank I had no access to any of my funds, not even what I originally had before the check was deposited. 

So the bank closed my account in suspicion that my check was fraudulent, and by the time it was confirmed to be legitimate, the bank teller had already assumed it wouldnt be ( I dont know if its because of the fact that Im XXXX XXXX ), and closed the account without confirming the validity of my check. And now the check has been confirmed to be deposited, and is just sitting in the account I cant access. 

Since my bank has been closed, I have missed : - My life insurance premium payments that I can not miss, something Ive paid on time every month for the last year that affects my future funding & credit history - my medical expenses, & have had to postpone numerous doctors appointments since I have no access to my funds, furthering XXXX XXXX Ive already had for months that Im forced to wait for now since I cant access my account- I can not pay off the remainder of my debt from my other bank, negatively affecting my credit score while Im looking to rent an apartment in the coming months - Im self employed, & my entire business can not be sustained as I can not pay for my access fees, nor can I show any of my customers what they have access to, in turn causing customers to leave my business, as well as me not having access to multiply my money, which was/is my only income source. 

- I can not purchase a car, which I need for my job Im planning on getting, as well as emergency transportation for my family.

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 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (IL)

Complaint:
JPMCB. CHASE CREDIT CARD STILL SHOWING OPEN - NEED ATTENTION I DISPUTED ACCOUNT CLOSED - INCLUDEF IN BANKRUPTCY IN XXXXXXXX XXXX SEVERAL TIMES NOW STILL THERE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Valor Intelligent Processing, LLC (GA)

Complaint:
On XX/XX/XXXX I received a letter from Valor Intelligent Processing and immediately disputed the debt because its not mine. I asked for the debt to validated and gave them ample time to submit the documents I requested. Now here it is XX/XX/29 and it's suddenly popped up to my credit report, damaging my credit when they've NEVER submitted documents to prove this debt is mine when it's not. At this time I wish to file a complaint not only against the collection agency ( Valor Intelligent Processing ) for failure to comply written documentation to prove the alleged debt is mine. But I also wish to make an official complaint against XXXX for failure to properly validate the debt before applying it to my credit profile.

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 2022-09-19
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. (FL)

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-03-15
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. (IL)

Complaint:
So, I obtained a copy of my credit report and notice multiple errors with my personal information as well as account that I do not own this information is destroying my credit and I don't think is fair at all I'm sure I have rights.

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 2018-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (TX)

Complaint:
Never heard of XXXX XXXX XXXX. Got a statement for {$0.00} in the mail today with a {$24000.00} credit limit. They say the account has been opened since 1989. They don't show any users or company owners listed but they will not cancel the card. There is no balance, no users, and no cards. They want personal information such as SS # and birthdays, etc. to add someone to the account in order to close 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 2018-03-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc (IN)

Complaint:
On XX/XX/2018, I sent Bull City Financial Solution a DEBT VALIDATION letter to validate the collection they placed on my credit report. Its been well over 30 days and I havent received anything back from them with this information. As per the FDCPA, I have the right to request validation of the debt. 

I have been a victim of identity theft a couple of years ago and I am trying to slowly start cleaning my credit report due to the damages caused. I never did business with them and I have disputed this collection twice already and I am getting nothing in response. A collection bill is not validation and I have a right to be provided with proof or this collection needs to be removed. Its hurting my credit score badly and making me unable to obtain my goals.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
On my credit reports from all XXXX main agencies XXXX, XXXX, and Transunion shows incorrect addresses, incorrect name, along with inquiries on my credit that i did not authorize. I will provide the information that is true and correct and should be visible on my credit report all other information should be deleted immediately as this is causing me harm due to these items having a direct affect on my 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 2020-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Complaint:
TransUnion is showing my car loan with credit acceptance increased by {$210.00} on XX/XX/20. I disputed it and results say no change needed. I spoke with XXXX XXXX 3 times regarding this change and they assured me that my loan will never go up and will decrease each month. I have never been late on my car loan. They also stated that TransUnion has made the mistake and they need to fix it on their end. I spoke with TransUnion and they state it is correct. I just go back and forth between the 2 of these companies. Please help. Thank you. Sincerely 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 2023-06-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP (MA)

Complaint:
In XX/XX/2023 I went into Key Bank in XXXX, XXXX, to complete the sign on process. I was offered {$200.00} to switch my bank account. I was in a domestic XXXX situation and was in a safe house. The employee named XXXX assured me I would receive this sign on bonus if I switched my direct deposit. Before leaving XXXX to come to XXXX as my divorce was final and I was safe I stopped into this branch to make sure everything was still ok and I would receive this bonus. I have called customer service and the branch I signed up at. They say that they do not see the code and they are sorry. I told them this is fraud and I would proceed up the chain of command, so to speak.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

Complaint:
After going through my credit reports and seeing multiple accounts from XXXX XXXX now owned by Portfolio Recovery, I requested validation on XX/XX/XXXX which was replied to in a letter dated XX/XX/XXXX. During this

time Portfolio Recovery was still aggressively trying to collect on these accounts which contradicts FDCPA 1692g. From that time Portfolio Recovery calls multiple times a day from multiple numbers with no regard to my request that all communication be done through mail. When I did call back the person I spoke to was not interested in anything I had to say but just kept repeating the same line.

Company response to consumer: Closed with non-monetary relief