hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2020-06-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

Complaint:
On XX/XX/XXXX I called Best Buy Citi Credit Card to request help due to financial hardship due to COVID 19 lockdown. They agreed to remove the {$29.00} late fee for XXXX and not assess late fees moving forward for XXXX or XXXX. However, they did not remove the XXXX late fee and in addition they DID assess late fees in XXXX for {$40.00} and XXXX for {$40.00}. 
I called and explained the situation to both a representative in the COVID assistance department AND a supervisor and they would not remove the late fees retroactively. They only offered to take off one late payment and begin the " program '' moving forward. I again insisted that this was already in place and that I should not been charged late fees in XXXX and XXXX and I explained to them that I now have unemployment and can budget to begin making minimum payments. 

I am requesting a refund of {$29.00} late fee charged on XX/XX/14, {$40.00} charged on XX/XX/14 and {$40.00} charged on XX/XX/14 for a total of {$100.00} payment credited back to my account. 

Those struggling the most during the pandemic such as those possibly convalescing in a hospital would have not been able to make phone calls to credit card companies to enroll in an assistance program. This is outrageous. That we are in lock down and NY since XXXX is a verifiable fact that is known worldwide! There is no deception here. If they are truly offering help then they should actually assist customers instead of playing dirty games. They are scammers and liars and they are clearly trying to minimize the amount of help they give by refusing to give these credits that they promised. Please help!

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 2018-08-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (MI)

Complaint:
Hello, I am requesting that Chase 1 ). remove all credit marks from my account and update all three credit bureaus and 2 )  remove all late charges accrued on the account and 3 ) make an exception and grant me an extension for my XXXX or XXXX payment to assist me with getting my loan back on track. Here 's why : My loan payments have been running slightly behind due to being laid off of work at various times during the year. As a result my account has accrued late charges. When I call into Chase to discuss my account and make payment arrangements I am always advised of the total amount due which include late charges. On multiple occasions, the most recent being XX/XX/XXXX my wife and I called in to discuss the account. We were advised of the total amount due for two months including late charges. On this occasion and on the previous call we asked what was the total car payment due. On both occasions the representative told us an amount that included late charges. Because I was laid off I could not afford to pay the late charges and this is why we specifically asked for the amount due for the car payment. It was then that I realized that the representatives had been quoting me the total due including late charges. This is an issue for me because my payments have gone over 30 days late multiple times. One month the car payment due was approximately {$50.00}. Had I known that I would have been able to make the car payment before it went over 30 days past due. This also happened another time. I feel that Chase is misinforming me and being sly in their collection efforts. They are miscommunicating information to me and being sly in their collection efforts. As a result my payments have gone later than they should have. I am requesting that they remove all credit marks from my account. Also due to the inconvenience I would like them to waive late charges from my account. On XX/XX/XXXX or XX/XX/XXXX I spoke with supervisor XXXX XXXX and explained how his representatives had improperly informed me on multiple occasions. I explained that I could have paid the partial car payments that were due to prevent the account from going over 30 days and marking my credit. He said if I were making the payments on time per the contract I wouldnt have to rely on his representatives giving me information. He also said that the credit marks were my own fault and that because I broke my arrangement to pay my account went delinquent. My wife and I talked to him at length and he did nothing but attack us. As a result of this experience I expect Chase to compensate me and forgive all late charges on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
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. (NY)

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXXXXXX 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. 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 2022-09-27
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. (GA)

Complaint:
XXXXXXXX XXXX, in accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy,15 USC 1681section 6 0 4 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 166b a creditor may not treat a payment on a credit card account under an open and consumer credit plan late for any purpose.

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 2023-06-28
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. (PA)

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 1. XXXX XXXX XXXX, Reference # XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$470.00} 2. XXXX XXXX XXXX, Account number # XXXX Original creditor : XXXX XXXX {$1200.00} 3. XXXX XXXX XXXX, XXXX {$2200.00} Reference # XXXX XXXX. XXXX XXXX XXXX XXXX Acct # XXXX {$780.00} 5. XXXX  XXXX Acct # XXXX {$1100.00} 6. XXXX XXXX XXXX  XXXX Acct # {$2500.00} 7. XXXX XXXX XXXX  XXXX Acct # XXXX {$1000.00} XXXX. XXXX XXXX Acct # XXXX {$1800.00} 9. XXXX XXXX Acct XXXX XXXX {$350.00} 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 2021-10-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Complaint:
I sent in multiple letters the last letter I send in was XXXX XXXX certified and I see know changes or deletions. I mailed in a dispute letter my FTC report copies of my ID social and bank statement all in one envelope certified. and nothing has been done.

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 2021-12-06
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. (TX)

Complaint:
My credit report has derogatory trade lines that are over XXXX XXXX XXXX not in compliance with the FDCPA & TDCA. Please make an inquiry as have my credit report corrected and updated with all credit bureaus. 

XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, TX XXXX TX Drivers License # XXXX SSN : XXXX U.S.Passport # : 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 2021-08-21
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: BARCLAYS BANK DELAWARE (MI)

Complaint:
Hello, I have repeatedly disputed a fraudulent charged off account that is showing on my credit reports. As soon as my wallet was lost, I immediately contacted all my cards and canceled them and when I begin to see fraudulent accounts showing up on my credit report I contacted the police. I have worked very hard for my stellar credit, however I can't seem to get this inaccurate information removed permanently from my report. This company has an account that is fraudulent and they are reporting it as if it was mines. I have tried everything, but they still will not do whats right. 

This company is bullying me and tarnishing my credit even after Ive pleaded with them to seek the truth and do the right thing and remove this fraudulent charge off of my account and stop reporting it to the three major bureaus. Please help me. The next step is legal action

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 2022-09-26
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. (IL)

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MI)

Complaint:
My actual issue is with a debt buyer who after three rounds of letters have refused to validate their ownership of my debt and provide proof of my contract with them to pay. They are also reporting on one of the credit bureaus that I have a late payment of 120 days ( EQ ). This is false and inaccurate information and I request that the below mentioned account be removed from all three of the credit bureaus. 

Midland Credit Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Complaint:
I am looking for a refund on a fraudulent credit card payment with Capital One and money for my trouble. Capital One does not seem to want to get back to me regarding the issue. 
What should I do? Please investigate the total amount I paid. I also requested XXXX. for my trouble. 

Also, XXXX won't seem to take something off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

Complaint:
I requested that an account be validated that was on my account through Experian. Experian sent me an email in regards to my dispute and stated the account was verified. In the results of their first investigation, they stated in writing that they ( Experian ) verified that these items are being reported correctly? I was never informed as to who verified these accounts?

Experian have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on 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 2023-05-01
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. (NC)

Complaint:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2019-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NV)

Complaint:
XXXX XXXX is indicating that I have only made 45 qualifying payments out of the 120 required for the PSLF program. According to my records, I have made 65 qualifying payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (MI)

Complaint:
My CareCredit ( XXXX ), I was paying on the {$2400.00} balance which I used last year before getting dental coverage through XXXX XXXX XXXX  XXXXXXXX XXXX XXXX. My last month 's balance was {$1600.00} plus, after paying XXXX bill of {$99.00} XX/XX/2022 I received a bill stating that my balance is ( Payment Due Date : XXXX, Statement Balance : {$2400.00} exceeds the opening balance, with a total Minimum Payment Due : {$80.00}, not counting the {$99.00} paid XX/XX/2022 through bill pay from Credit Union ( XXXX  XXXX ). 
I was told that Care Credit retroactively added the 24 % interest from last year, this is unfair business practice. 
I want the balance restored to the balance as of XXXX and give me time by XXXX to pay off that balance. Once my request is honored, I wish to have no further dealing with this bank, because of their business practices. 
The bank 's actions represent greed and unfair business practices and being a senior on a fixed income their action causes undue hardship on 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 monetary relief
Consumer complaint received 2023-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Genesis FS Card Services, Inc. (WA)

Complaint:
Close the account and remove the fees associated with an account I never used.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Security National Automotive Acceptance (AP)

Complaint:
Security National was included in my bankruptcy in XX/XX/XXXX yet it is showing up on my credit report for charge off in XX/XX/XXXX and XX/XX/XXXX. I am trying to purchase a home and need to get this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A. (TX)

Complaint:
In previous debt dispute letters, I have requested not to called and only to be contacted through mail. I've had to block their numbers they use to harass people.

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 2018-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (FL)

Complaint:
Synchrony Financial Bank in XXXX, Florida incorrectly lists 2 Care Credit accounts on my credit bureau reports. I had one account only. It was opened on XX/XX/XXXX. 
The account number begins : XXXX They transferred this account number to another office and closed it when they did this. 
After that, a duplicate account was opened in XXXX of XXXX. 

Synchrony Financial Bank should never have opened the second account and it needs to be deleted from my credit files with XXXX, XXXX, and XXXX XXXX credit bureaus. 

I did not need another account, I just wanted the original account from XX/XX/XXXX, to stay open. 

I did not give them permission to close my original account and open another one! 

I should only have one account, the one from XX/XX/XXXX, listed on my credit bureau reports. 

I did not give them permission to transfer my original account to another office and close the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
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: SHABANA MOTORS (TX)

Complaint:
I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. 

This has caused me defamation of character, severe hardships, XXXX, XXXX XXXX, XXXX XXXX loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted.

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 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (KY)

Complaint:
In accordance with the Fair Credit Reporting act : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Reference number XXXX has violated my rights. 

15 U.S.C 1681 section 602. A. States that I have a 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 explanation