hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-09-14
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: EQUIFAX, INC. (MD)

Complaint:
I had a loan with XXXX XXXX XXXX from XX/XX/XXXX and paid the loan off in XX/XX/XXXX. I paid the monthly payment of XXXX every month on the same day for the entire time I had the loan until it was paid in full. However, on my credit report, XXXX XXXX reported I was XXXX late on the XX/XX/XXXX payment and 30 days late on the XX/XX/XXXX payment. 
Since this loan was on auto-pay, it was paid on time and monthly payments were always made. I only recently discovered they reported incorrect information to XXXX, Equifax, and XXXX as I am dealing with another problem affecting my credit. The credit agencies have been all but impossible to deal with. I've spent hours on the phone and with supervisors, the same with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Complaint:
XXXX XXXX XXXX XXXX - XXXX - Debtor- Portfolio Recovery Associates took me to court I believe in XX/XX/XXXX. The Judge reset the next hearing for them to provide the necessary documents to substantiate their claim. On the next hearing XX/XX/XXXX they did not provide any documentation that the judge requested. The Judge then filed an order to dismiss their case against me. I have filed multiple disputes with the credit bureaus ( XXXX XXXX XXXX, & XXXX ) providing them with the court order from the Judge dismissing my case. The have elected not to remove the claim by Portfolio Recovery Associates I also contacted Portfolio Recovery Associates to stop reporting debt due to the dismissal from the Judge. They have refused to remove the claim and has changed the date to keep this going on and on which has negatively impacted me for the last XXXX XXXX years. They refused to stop their harrassment to me and affecting my credit. 

I do not know what else to do to get protection from this Company that has lost in court and received a judgment. The Credit Bureaus won't assist me with this issue. I need your help Please let me know what's my next step?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (GA)

Complaint:
I had a collection placed on my credit report by Diversified Consultants, XXXX. XXXX XXXX, XXXX, FL XXXX, phone ( XXXX ) XXXX. The collection is for {$43.00} on an account that does not belong to me that was apparently originated by XXXX for an unpaid cable television bill. I called and told Diversified that it was not my account and they said I would have to call XXXX. I called XXXX and they said I would have to get a police report and report it as identity theft. I cant make a police report if it is purely a XXXX mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The ExperianXXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2021 XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$3200.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXXXXXX XXXX : {$600.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (AZ)

Complaint:
Hi! I enrolled in Best Buys credit card through Citibank XX/XX/XXXX to buy new appliances for our home. We are frequent buyers of Best Buy and my fiance and I are both in great credit standing. 

Our Balance as of XX/XX/XXXX was {$1500.00} out of {$6900.00}. We paid the majority of this within the first year in a lump sum. They ran a 2 year promotion of interest free and when XX/XX/XXXX hit there was {$2400.00} on my account for an interest charge. Before this and after this, I received XXXX cutesy notification that the promo was expiring or that this would be what would be hitting my account. I recently received ( 1 week ) calls from their call team trying to collect money that now the balance is {$3900.00} within 1 month. I called and tried to talk to multiple supervisors and they told me there's nothing they can do. I offered to pay the remaining balance right away and for an interest charge of the remaining balance. Instead they said there's nothing they can do and I had to pay a 3x of what my outstanding actually is. They had XXXX cooperation and very little customer help. Again, we are frequent shoppers and have perfect standing with credit and the majority was paid. This promo charge is ridiculous considering what the balance left and Citibank is a complete scam with their lack of communication or heads up to their customers of anything changing. They only called to collect after that large interest charge was put on the bottom line. I will no longer be affiliated with either companies. This is a major disappointment across the board.

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 2020-05-07
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: EQUIFAX, INC. (CA)

Complaint:
ITS BEEN 60 DAYS AND I HAVENT RECIEVED CORRESPONDENCE FROM EQUIFAX. I AM SUFFERING CAUSE THESE INACCRUCIES ARE BEING REPORTED ON MY CREDIT. EQUIFAX NEEDS TO FIX THIS PROBLEM ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LendingPoint Holdings LLC (TX)

Complaint:
I am hereby giving notices to XXXX XXXX XXXX XXXX and Lending Point LLC to Cease and Desist communication in regards to an alleged debt that is reporting onto my consumer report. 

The term communication Pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

Any medium includes any written, oral or electronic or any other medium. Furnishing negative information on my consumer report is a form of communication. 

This is a formal notice to cease communication through ANY medium including my consumer report as it is a form of communication regarding an alleged debt. 

This is a direct violation of 15 USC 1692d ( 1 ) as my consumer report is my reputation and my reputation has in fact been ruined in regards to this negatively reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmerAssist A/R Solutions, Inc. (NC)

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
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: Experian Information Solutions Inc. (PA)

Complaint:
Multiple requests for investigation into inaccurate reporting to an account listed on my Experian credit file. Experian did not investigate my dispute as promised. Instead, they returned my dispute as " verified '' with nothing being investigated. Experian has also prevented me from disputing this factual inaccurate account online! 

My credit report from Experian reflects a chargeoff for XX/XX/2019 for the account listed below, yet there is no other payment history leading up to this alleged chargeoff. 
There are no reported 30, 60, 90 or 120 day lates leading to the chargeoff that they have inserted into my file. 

I requested several investigations, demanding deletion due to inaccuracy. Experian returned investigations as " verified '' and " updated ''. 

How can a reported chargeoff with no payment history be verified as accurate? I redisputed payment status and Experian again, returned as verified with no proof. ( their " verified '' and " updated '' documents are attached with nothing to support their opinion that the account is verified as accurate ) Furnisher : XXXX XXXX Acct # XXXX... .. ( partial acct # ) Experian has repeatedly violated my rights by not properly investigating my disputes. 

They have stamped my disputes for this account as " verified '' without examining my report to determine its accuracy. Experian has stated that their " role is to review accuracy and completeness of any disputed item '', but they have ignored my disputes and instead, violated my rights. They have not reviewed my account for accuracy or completeness. 

I am demanding an immediate proper 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 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Complaint:
provide me with the signed contract authorizing you to report your private personal information to a third party., you are in violation of 15 USC 1581 section 1666b as well, it states creditors ( financial institution in this case ) cant treat payments as late for any reason unless you notify me that Im about to be late 21 days BEFORE your my due date, which you havent done remove all lates now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc. (SC)

Complaint:
I purchased a XXXX XXXX with gap protection in XXXX. My auto was total loss XX/XX/XXXX. My insurance paid about XXXX leaving me with XXXX. I was under the impression that the gap would pay the balance. I filed a complaint with the Chrysler Capital and it went to a few supervisors. They advised because I used the deferment option that it voided the gap. This was never advised when purchasing the product. I was left with paying a monthly payment for a car that I didn't have and had to purchase another auto and had a payment on my new auto. I couldn't afford to not make the payment because i was worried about it affecting my credit with purchasing a home. Also my mother was cosigner and I couldn't gamble with messing up her credit too. This went against my debt to income ratio because I had to purchase another auto. I did research and saw that this happens alot. I work in finance and see charged off balances all the time. My customers advise they had a total loss and that was the balance gap didn't cover. I never understood until it happened to me. I am out of XXXX because I had to pay it off and couldn't afford to manage two car payments. I want my money back because this was not explained when purchased and they never offered a refund for the gap coverage or tried to meet me in the middle with anything. This is unacceptable and they should explain what disqualifies you so that people now rather they want this coverage. Things happen in life and sometimes you aren't able to make a full payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Complaint:
My complaint goes back to complaint number XXXX that was to have been solved. The letter of resolution sent to CFPB from Fifth Third Bank states that once the loan is paid off, they will remove my name off the loan. If you ready my original complaint, you will see that there is no legal loan agreement therefore my name should not be on any loan associated to XXXX XXXX. The letter also states that they would cease reporting to the credit bureaus. This did not happen and now my credit is affected. I need help from CFPB resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

Complaint:
I went Grocery Shopping at XXXX on XX/XX/2020 and my groceries came up to {$230.00}. On Wednesday, XX/XX/2020, while I was reviewing my checking account transactions online, I discovered a charge of {$12.00} that was made. I immediately called USAA Federal Savings Bank and informed of them of the suspicious charge. The USAA Representative told me that she did saw that the charge came out of the State of Arizona, at a XXXX with a telephone number listed as XXXX XXXX XXXX XXXX XXXX. The Representative then told me that she was closing my account due to the charged being a fraudulent charge and that I will be sent out a new card in 2 business days. I have XXXX young children in my home and I feel that it's very unfair to be without a money or card and for USAA to have members wait so long for a new card to arrive via XXXX for such a long time period. I was asking why can't they overnight or express it to me and hey stated to me that it's their banking policy of 2 - 3 days weekend not included. I was also told I may not receive the card until Monday, XX/XX/2020 although the charge was notated fraud. As of today, I will be at home during a Pandemic with XXXX young children ages XXXX and XXXX XXXX without access to my money. What is something was to happen and I need to go somewhere? I will not have any money. I do not have family members in the State that I reside in. I would like for USAA to change their Policy especially with a case such as mine and others. I feel that the Card should've been Overnighted and the members should be able to receive it the next day. This Policy that USAA has needs to be changed immediately. They have done this to a lot of family members and myself. I've served in the U. S. XXXX and have been a member with USS for XXXX years and after this, I will be cancelling my membership with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (MD)

Complaint:
I received a letter in the US Mail on Saturday the XXXX stating I owed {$430.00} to PayPal. The reference number they gave me is XXXX and the account number is XXXX. I check my PayPal account and it show no outstanding balance. I contacted PayPal an confirm this. I believe XXXX XXXX XXXX XXXX is phishing to get me to pay when I dont owe any money. I contacted the collection agency and they said they are going to close this inquiry and sent it back to PayPal fraud department. This whole scenario sound like possible fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-21
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. (VA)

Complaint:
I was reported late to the credit bureau XX/XX/XXXX by XXXX XXXX XXXX. I sent a dispute to Experian and the information came back verified. I am unable to easily dispute the information again with my proof via online. I signed up for payment protection with XXXX XXXX XXXX and was supposed to be back dated to avoid having a late payment this did not happen.Due to the error I was denied for leasing and now myself and my XXXX children are left XXXX due to the careless verification process. I attempted to contact XXXX XXXX XXXX directly but was left on hold and the agent never returned the line dropped on the morning of XX/XX/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 2023-02-04
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. (FL)

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The Experian and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX : {$34000.00}.

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 2023-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALASKA USA FEDERAL CREDIT UNION (AK)

Complaint:
XX/XX/XXXX bank was called and a higher up was notified about my debit card getting cancelled many many times. Fraud and dispute are doing this. Senior person of dispute recorded me without permission and knowing until I ask. She kept asking what what??? It was not cool to be recordedXXXX went into 2 banks and noone at XXXX XXXXXXXX XXXX XXXX XXXX could not help. XXXX from back support said someone wanted to talk Monday to me but no calls to my phone on Monday. I called the bank and we did not work out a resolution. I guess its their way or no way!!!!!!! I have been a member for a very long time. This is nonsense getting my Card canceled many times and others blocking my card.. On XX/XX/XXXX talked to an acting supervisor and he had me write my concerns down on paper with me attaching some mail I received about old and new accounts at XXXX XXXX XXXX XXXX not have an old account anymore. Dispute suggested when I was scammed in XXXX, I open a new account with new card. This senior person I talked to today just wants Information and was not helpful.. Thanks.. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
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. (TX)

Complaint:
XXXX XXXX ADD THIS TO THE FTC ATTACHED PLEASE e FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which prohibits deceptive, unfair, and abusive debt collection practices. ... The FTC has sued over 30 debt collection companies for violating the law, banning some from the business and making them pay steep financial penalties XXXX XXXX XXXX XXXX was the likely source of the complaints to the Federal Trade Commission accusing XXXX of falsifying income information on loan applications, says XXXX co-owner and general manager XXXX XXXX. 

XXXX also believes that complaints from the Navajo Nation Human Rights Commission spurred the FTC to take action which began in XXXX of 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
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. (FL)

Complaint:
In accordance with the Fair Credit Reporting act XXXX  the following accounts violated my rights : XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX  # XXXX 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 2015-05-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC. (FL)

Complaint:
I have no idea why this debt is being collected on a bill that was from an alleged traffic ticked from 1999. Not only do I not owe it, but it is from more than 17 years ago and the statute of limitations has passed. Not only is there no evidence or proof that I owe it, they refuse to acknowledge that they can not collect it and they refuse to stop sending me letters to my work and home when I have told them not to call my work phone and cell phone. I do n't have a home phone and therefore they refuse to stop. I just want them to stop contacting and threatening a civil action on my phone and telling me I could get XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation