hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2016-04-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CL Holdings LLC (FL)

Complaint:
I have requested validation several times and yet to receive anything except for a collection notice

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25
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. (NY)

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WELLS FARGO & COMPANY (TX)

Complaint:
I had direct deposit of my paychecks at Well Fargo Bank in XX/XX/XXXX. At some point I had incurred a large charge for one insufficient fund item. Before I knew it 5 or 6 very small checks hit and as a result of the unknown debit for the service charge. Result 6 more service charges. I switched the direct deposit because the service charges were larger than my paycheck. In XX/XX/XXXX, I received the first call from a collection agency. I told them that I would only deal with the original creditor. Over subsequent years the debt was sold to a different collection agency, and then later to a third one. Yesterday, I got a call from a blocked number telling me his name was " XXXX '' and the he was a private processor attempting to deliver me a summons for a civil suit in XXXX County against me. He gave a number for a so-called XXXX XXXX XXXX XXXX XXXX and a case number. ( The case was actually non existent, according to XXXX County. ) When I called the number a " secretary '' answered and asked for my " case number ''. I asked to speak to the " attorney '' handling my case. He told me that a suit had been filed against me for {$3300.00}. When I began to ask more questions such as how the amount was calculated the " attorney '' became evasive. He told me he recognized that I was trying to " set him up '' or that I was " fishing for information ''. I informed him that by Texas law the amount in dispute is way beyond the statute of limitations and is unenforceable. He became quite nervous and defensive and told me he did not want to say anything else and hung up the phone.

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 2020-10-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Complaint:
Received a letter from Citizens Bank in late XXXX of this year ( 2020 ) informing me my accounts would be closed with no reason given. I had been a customer for over ten years with an account in good standing. I emailed the CEOs office to try and get an explanation or reverse the decision, but they treated me like I was just a waste of their time. Ive done nothing wrong. Something is seriously wrong with banking regulations if banks are allowed to do this. Only XXXX  and XXXX  should be treated like XXXX  and XXXX, not innocent customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (WA)

Complaint:
Synchrony Bank closed my XXXX credit card through XXXX  as well as my Amazon card without warning and without cause. I've been paying off all of my purchases, no late payments ever. Synchrony has also blocked access to my rewards balance, which is around {$360.00}. They are essentially stealing this money. 

The net effect has been a huge hit to my credit score. By lowering scores and closing accounts, they've cost my credit score 35+ points. Then they're pointing at that drop as evidence. The only changes on my credit sore are related to Synchrony Bank. I've recently paid off all my other cards and am in good standing with zero missed payments on any card. 

I use this XXXX card to make purchases for my company, which saves 10 % in total cost. We use the Amazon card to save 5 % on household purchases. If their rationale for closure of the XXXX card is that I reported an income increase -- that's because I did have an income increase. It seems they are discriminating against me based on faulty assumptions of my income.

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 2020-10-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (FL)

Complaint:
My original complaint, XXXX, was about not getting loan information on time to make the 1st payment and GM Financial not responding to my calls. Today I finally received the information from GM  Financial, I bought the new truck on XX/XX/2020, and it shows me being a month late already. I sent the 1st payment to the dealer as instructed and my check has cleared my bank. I called GM Financial customer service as soon as I received the letter and all they will say is they don't have it and I must find out how it was sent, when it was sent. This is all  information they and the dealer, XXXX XXXX XXXX in XXXX XXXX FL have, not me. As before they have not returned a call to me concerning this problem. Also, I have heard nothing about the first complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (GA)

Complaint:
My accounts are always been charged fee 's. It taking all of my social security check each 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 monetary relief
Consumer complaint received 2020-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

Complaint:
Hello, On XX/XX/XXXX I applied for the Citi XXXX Credit Card under a promotion stating that I would receive XXXX " Bonus Thank You Points '' in exchange for spending {$4000.00} within three months. 

I was approved for the card however did not receive the card until the week of XX/XX/XXXX. 

Due to Citi 's delay in mailing me my card I was given less then two months two complete what per their advertised terms needed to be completed within the first three months of account opening. 

On XX/XX/XXXX I reached out to Citi via chat XXXX attached ) and expressed my concern and asked for an extension. I was told to simply meet the spending requirement and they would see what could be done. Had I been told there was no flexibility I could have had the opportunity to meet the time frame they required. 

I met the spending requirement well within the three months of receiving the card but shortly after the three months of account opening. I followed up with Citi and they declined my request for issuing of Points based on their terms of spending needing to happened with the three months of account opening. 

Whether purposeful or accidental, Citi 's delaying my receipt of the card did not allow me a reasonable or fair opportunity to meet the promotional terms that they set forth. Furthermore, follow up with Citi produced disingenuous directions to continue spending without any clear indication of a fruitful outcome. 

I ask that Citi issue me the points promised based on the delay of card delivery at no fault of my own and the spending requirement met. I'll be upfront in saying if not settled through this process my next step of resolution would be a Small Claims case since the Points worth is significant. 

Thank you, 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 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC (NY)

Complaint:
I was horrified to learn that BMW reported my account as a collection for the month of XX/XX/XXXX. I paid off the lease in its entirety in XX/XX/XXXX and returned the vehicle accordingly. 
On XX/XX/XXXX, I received an alert from XXXX  XXXX credit monitoring indicating that I have a new derogatory collection reported by BMW. I immediately reached out to BMW, and was informed that there was an unpaid final bill that resulted in a collection account being reported to my credit a year later!!! 
Please note, I was NOT notified in writing by regular mail, nor via a phone call that there was an outstanding bill or about BMWs intent to report me to collections. 
Had I known that there was an outstanding bill, I would have paid it on the spot, as I had done on XX/XX/XXXX when I learned of this bills existence. Please reference my prior payment history with BMW ( attached ). I paid a total of XXXX of timely and early prepayments on multiple BMW vehicles in the last 2 years. Please correct the negative reporting as BMW failed to properly notify me that there was an outstanding bill. 
I spoke to a BMW supervisor by the name of XXXX, on XX/XX/XXXX between XXXX am and was informed via that phone call that BMW sent me ONE email in XXXX of XXXX. THIS EMAIL WAS NOT RECEIVED, and thus I had no idea there was such a bill. BMW failed to notify me properly of the bills existence, and failed to notify me that they are intending to transfer me to collections. The BMW supervisor admitted on the phone that there was NO NOTIFICATION from BMW indicating that they are intending to transfer me to collections. Upon consulting with my attorney, I was informed that a company is supposed to notify a consumer of their intent to transfer their file to collections. THIS WAS NOT DONE IN MY CASE! 
I have been a customer for many years, and have prepaid multiple BMW vehicles. Please see proof of prepayment for this vehicle, my wifes and daughters vehicles respectively. I am requesting that this collection reporting be removed immediately as I was not given a chance nor an opportunity to pay it in a timely manner. I would expect that BMW would have the decency to reach out to a customer who prepays all his cars in a timely fashion and has never been late in the many years of doing business with BMW. However, apparently that courtesy wasn't granted in this case. 
I am requesting the correction of this account immediately, as the bill was paid as soon as I learned of its existence. 
Please note a proof of prepayment for multiple vehicles. Also, please note a screenshot of all the emails that were RECEIVED from BMW. There is no record of the email referenced by the BMW supervisor. In addition, there are NO emails whatsoever referencing an outstanding bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: USCB, Inc. (CA)

Complaint:
Was XXXX at XXXX XXXX XXXX of XXXX XXXX California. Had difficulty paying the debt to the hospital or organization in which the debt originated, but had paid some of the amount in the beginning at the beginning of the agreement. Was XXXX twice since diagnosed in XX/XX/XXXX and again in XX/XX/XXXX that led to XXXX and being out of work for 4-months. Debt was turned over to USCB America who has been receiving the debt since around XX/XX/XXXX to present. They were deducting funds from my account on some months twice where i was n't informed, and since the last conversation XX/XX/XXXX they are claiming that they have n't received any payments and now only willing to settle if I pay half of the interest which was never agreed upon. It 's not a whole lot of money, but I hate feeling like we as consumers have no rights. I spoke with one of there staff members on XX/XX/XXXX, who discussed the payment history with me, because the first two payments made, they claimed they had no knowledge. Any assistance would be appreciated. I just want to get debt settle prior to the new year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
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. (GA)

Complaint:
Not sure how this work. I believe someone has possibly stolen my identity, or the credit bureaus has reported major errors on my credit report. Not sure in 2023 how that is possible. I recently pulled my credit report. I found numerous errors. I am a living human. I have rights under 15 USC 1681 Transunion, XXXX, XXXX is governed by 15 USC 1681 And they have violated my rights numerous of times. I demand these accounts listed in this report be removed. According to 15 USC 1681 I have rights to privacy, and I did not give XXXX, XXXX, and Transunion written permission to furnish these accounts. These collection companies I believe they not authorized to do business in my state of Georgia. I believe these accounts should be removed XXXX XXXX XXXX account XXXX XXXXXXXX, XXXX XXXX account XXXX XXXXXXXX, XXXX XXXX account XXXX XXXXXXXX.

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 2023-08-18
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. (CA)

Complaint:
This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 2023-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST HORIZON BANK (TN)

Complaint:
Well I was charged overdraft fee for something that wasn't possible I have receipt my balance was XXXX I withdrew XXXX ; plus surcharge then I turned around and withdrew XXXX plus surcharge I was told that I overdraft XXXX dollar which was impossible from my balance and the bank don't want to give me my money they also charged me XXXX over draft fees which is impossible I have proof

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-10
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: EQUIFAX, INC. (GA)

Complaint:
Can you update my address and name on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Complaint:
On XX/XX/2022. I noticed {$11000.00} in fraudulent ACH transactions on my capital one checking account. I contacted my bank, and started my claim. 10 business days later they granted me a temporary credit for the {$11000.00} that was missing. I was told that the credit could be deducted from my account if the claim was not found in my favor. 

On Friday XX/XX/2022, I received an email from my bank that stated : The provisional credit is yours to keep and your dispute 's now closed. 

On Tuesday the XXXX of XXXX I received a new email stating : Our research didn't find any errors, so we closed your dispute. We'll remove the provisional credit of {$11000.00} from your checking account on XX/XX/2022. 

On XX/XX/XXXX I called capital one and asked what was going on. They asked if I could forward them the email stating the credit was permanent and I did so. I was told I would get a response within XXXX business days. 

I do not get any reply. So I call them again on the XXXX of XXXX. They inform me on a recorded line that in fact they looked into it and I will not be charged the {$11000.00} and that my claim is closed and the credit is permanent and that should be the end of it. 

On the XXXX of XXXX. {$11000.00} was deducted from my capital one checking account. 

I call them again. And they tell me that there is nothing they can do. That a mistake was made and they gave no way of fixing it. 

I feel as though they unlawfully deducted this money based on the fact that the credit was no longer temporary after they stated it was mine to keep in writing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IN)

Complaint:
Navient  has denied me payment plans that would meet my income and Now that I am back in school they refused to put my loans into deferment. I have been arguing with them for over 2 years now to please take my loans off my credit report as defaulted. I have not defaulted on them. I have been in school and yes, I did take some time off due to personal health issues but I have never even been out of school for a whole year since  2013 . When they told me I could n't be deferred I was blown away because I was told that I could be deferred up until  1st year after graduation. I then even tried to set up a payment plan with them just to keep it from hurting my cred  it score an d was told I would have to pay  XXXX  $ a month and was denied anything lower. Now because they would not give me a reasonable amount that I could afford and wo n't defer me even though I am a  XXXX   XXXX   XXXX  attending  XXXX   XXXX  I am being denied for personal private loans and all loans or help because of the derogatory remarks and Navient saying I have failed to make payments. I need money to help pay my rent and bills and ca n't get help. I ca n't get a credit card I ca n't borrow for anything. I do n't think it is fair that they have been able to deny me help also because they should have to borrow to me since they caused this. For  over two years they have been destroying my credit score and refuse to h elp me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (CO)

Complaint:
I never applied for the card in question and it was eventually closed with being used but the bank is trying to extort the yearly fees from me by posting it on my credit profile without authentication

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 2021-06-24
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. (NY)

Complaint:
I XXXX XXXX the CONSUMER and NATURAL PERSON sent a letter to Equifax on XX/XX/XXXX disputing 7 different accounts that are being reported negatively on my consumer credit report. I wrote the account in detail so there would be no confusion as to what accounts I am speaking about. I wrote to them concerned because I believe they're violation my right pursuant to 1681b ( 2 ) because I never gave them written permission to furnish these private consumer transactions. So I asked them to provide me proof that I did and gave them 30 days to provide that information to me to look over. I believe they're also in violation of 1681a ( 2 ) ( B ) by including an approval of an extension of credit. Please help me with the situation being that it has been very hard to get to my life after Corona Virus hit us all so hard this past year.

Company response to consumer: Closed with explanation