hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-03-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (VA)

Complaint:
Please refer to previous complaint : XXXX. My son 's Navy Federal Credit Union XXXX XXXX account was hacked and nearly {$9000.00} was stolen by person ( s ) unbeknownst to us. Regarding our previous complaint, Navy Federal 's " investigation '' of this event had gone on for a long period of time and our complaint was pertaining to not receiving any updates from Navy Federal. The previous complaint account was closed by CFPB on XXXX when Navy Federal responded that they were " still working on the issue. '' We finally received a decision from Navy Federal on XX/XX/ that they could not subtantiate that the money was fraudulently removed from the account and thus are holding us financially liable. I am co-owner of the account and neither me, my son nor anyone we know had anything to do with this theft. Navy Federal not being able to prove fraud is NOT the same as proving that we were responsible for this. Additionally, Navy Federal will not share any information regarding their " investigation '' without a subpeoena. We have contacted multiple organizations- Federal Trade Commission , Cyber crime unit of the FBI , and the National Credit Union Association and none of these organization has been able/willing to help us. I have also contacted multiple lawyers and have found no one willing to represent us. Navy Federal promotes a " Zero Liability '' provision for fraudulent activity on their accounts, and I feel that this should apply to us. At a minimum, since they are essentially stating we are guilty of stealing these funds, they should be required to share the information that they feel substantiates this. Otherwise this is analogous to being found guilty without due process. I am hoping that this could be further evaluated and feel that Navy Federal should be made to share their information that implicates us which will ultimately show that we were not found to have committed this crime. Thanks very much for your help with this most distressing matter. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Complaint:
XXXX  and Bank of America continue to list me as having an active Bank of America account, which is actually in my ex-spouse 's name. I have twice filed a dispute with XXXX  and Bank of America, and Bank of America rejected my first dispute out of hand ( XXXX ) and the second is pending ( XXXX ), though I expect another rejection. I have been divorced from my ex-spouse since XXXX of XXXX and have not had any knowledge of, or access to, this Bank of America account. I offered to send proof of divorce or other supporting documentation to Experian and BofA, and BofA merely denied the dispute with no reason. When I contacted Bank of America directly ( which, by the way, is impossible if you don't have an account -- there's some irony for you ) I was told I don't have any accounts with them, and I'm not listed on my ex-spouse 's accounts as an authorized user. I have asked y ex to confirm that I'm not on any of his accounts, and he has confirmed that. My credit score has been negatively affected by purchases my ex has made on this account, and I can't challenge it because BofA erroneously refuse to remove this account from my report.

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 2020-05-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diverse Funding Associates LLC (TX)

Complaint:
This is not my debt with XXXX XXXX! My Identity was stolen and I will be writing a letter to you to have this account closed and ceased collections. I need you to instruct the 3 major credit bureaus XXXX, XXXX  and XXXX  to delete and remove this account. It is a pandemic and this company is trying to collect payment from me, when I can't even collect toilet paper from the store. I find it highly unethical during these times people are selling " alleged '' debt. I will be filing complaints with the XXXX, CFPB, FTC and any other company that will accept complaints until this account is deleted completely! I will remove complaints and negative reviews once the company sends letter stating that they will delete and remove these accounts and contacted the reporting agencies if it has or was going to report to my credit. 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 2022-07-03
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. (TN)

Complaint:
I did not consent to or benefit from the following information : XXXX, XXXX, & Experian listed on my consumer report, block or remove the following account XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, Under 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed to be excluded from a consumer credit report, if a social security card was used in the transaction. Additionally, under 15 U.S Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report and no consent is FRAUD! If the account is investigated and your results comeback as verified or accurate, understand that under the exclusion section youre not supposed to include factual information and theyre supposed to interview my neighbors, friends, or associates. If the account is not removed you are civilly liable for reporting the information and its also 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 2018-11-07
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 — Their investigation did not fix an error on your report
Company: Mar Joe Enterprises (VA)

Complaint:
On XX/XX/XXXX, I had XXXX with anesthesia services being provided by XXXX XXXX XXXX, XXXX ( XXXX ). After my insurance paid their portion of the charges, I was billed by the anesthesiology group on XX/XX/XXXX for the balance due of {$49.00}. This amount was paid on XX/XX/XXXX by a bill pay transaction ( check # XXXX ) which cleared my checking account on XX/XX/XXXX. 
In early XXXX of XXXX, I received a notice dated XX/XX/XXXX from XXXX, XXXX, a collection agency in XXXX, TN, which advised that I could " ... dispute the validity of this debt ... within 30 days from receiving this notice ... '' On XX/XX/XXXX, I provided a written dispute along with a copy of the check with which payment was made. Assuming the matter was resolved, I took no further action. 
In late XXXX of XXXX, my wife visited XXXX XXXX XXXX in XXXX, TX to start the application process for a mortgage loan, but she was told that, due to a medical collection judgement against me for {$49.00}, our mortgage interest rate would be one-quarter of one percent ( 0.25 % ) higher than it would have been otherwise. While this does not seem to be very much, over the course of 30 years on a {$200000.00} mortgage, the additional cost to us would be in the neighborhood of {$15000.00}. 
After receiving this news, I disputed the non-payment through the credit reporting agencies, but XXXX, XXXX simply confirmed the judgment against me was valid and declined to correct my records. Hopefully, you will be able to assist me in getting the false reporting corrected and get my credit rating cleared up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ideal Collection Services, Inc. (FL)

Complaint:
During the time I lived in the property my family began to wake up with bites on them first the children then I and my husband. I went to the office to notify them and there were other tenants there making the same complaints bed bugs I immediately asked that they exterminate. They informed me I would be billed for the extermination because the exterminator knew this was an ongoing issue he exterminated for free I informed the office manager I would like to move immediately I went into a month to month lease to ensure I properly moved out within 30 days. They were aware I was moving in 30 days this is why I did not sign a new yearly lease but went to a month to month lease in order to properly vacate the premises after 30days. I contacted them about my deposit I got into a dispute with the manager and she informed me she will be sending a bill and also acted as if she had no idea I was moving although she knew about the move out as well as the bed bud infestation the complex was battling she then killed us for things that I know weren't true we did not wear shoes in my home there is no way the carpet needing cleaning we threw all of our belongings away so to the infestation of bed bugs. I could not take a chance on having my 10 mos old baby be bitten by bed bugs. I was also living in the apartment for over a month with no keys I informed them in XXXX that my keys were lost and was never cut new keys and was expected to return them at the time I moved I was going to work with my door unlocked. The month to month addendum was our written notice to vacate we asked what was needed in order to do so and singned the new lease in order to vacate within 30days after contacting the office the debt that was owed increased please see attachments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

Complaint:
I have sent this letter to the credit company stating that the collection agency has cancelled the debt and it should no longer be reporting but they refused to remove it from my credit report

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 2022-07-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

Complaint:
I need help paying my car loan for several months before I find a new job. My family is in financial crisis. This car shouldn't be worth that much, but because I need a vehicle to get around, I bought it regardless. I accept to pay the seller for XXXX in XXXX but this car is XXXX. While my friend bought it for XXXX last years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Complaint:
XXXX XXXX XXXX and experience have all dropped my score XXXX points down by reporting that I have a new bankruptcy but it is the same bankruptcy submit it three years ago I recently received a settlement and the bankruptcy court force me to pay off my creditors and all three credit bureaus will not update the paid off information for each creditor I was forced to pay off and to add to add insult to injury they also dropped my score XXXX points down stating that it is a new bankruptcy when it is clearly not the case

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 2022-01-11
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: Resurgent Capital Services L.P. (OH)

Complaint:
This is my THIRD time disputing these negative account on my credit report. I have a legal right to dispute anything on my credit report that was not authorized by me. I AM NOT AN ATTORNEY OR THIRD PARTY REP. The accounts are not mines : -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 -LVNV FUNDING LLC XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada) (FL)

Complaint:
I have a XXXX account that fell into collections for the amount of {$2100.00} due to a family tragedy. The original collection agency is Allied Collection Services located in XXXX XXXX. Allied Collection Services transferred or sold this debt to XXXX XXXX. 

I am currently working with XXXX XXXX to settle the debt. However, Allied is still reporting the transferred/sold debt to all three credit bureaus as if I still owe them the money. XXXX is also reporting the debt to all three credit bureaus. Therefore, I have ONE debt listed TWICE on my credit. 

I sent Allied a request to verify the amount owed. They did not respond. I sent XXXX XXXX a request to verify the amount owed. They responded and I am currently working with them to settle the debt. At this time I am requesting that Allied Collection Service delete the collection account listed under my social security number from all three credit bureaus, so I may continue working on an amicable solution with 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 2022-02-02
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kimball, Tirey & St. John LLP (CA)

Complaint:
On XX/XX/2022 at approximately XXXX I received a notice from HR stating wages were going to be garnished. I received a WG-006 Claim of Exemption to file with the court. I contact the plaintiff office XXXX XXXX XXXX XXXX  I advised them that the debt was not mine. I am a victim of ID theft and I never lived/rented/tenant in XXXX XXXX XXXX where the allegedly tenant using my information rented a dwelling and not paid rent. The attorneys office asked for last 4 of DL and they concluded that it was not the ID they had and might be a fraud case. My wages are going to be garnished because of this case of mistaken identity and need it resolved as soon as possible. 
CASE XXXX I am a XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (FL)

Complaint:
Credit report was ran by company without my permission or having any noticed!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

Complaint:
This business was contacting me regarding an old debt from XXXX XXXX. I had communication with them in XXXX regarding the account and was told it was perged and would not be reporting. I think got XXXX XXXX to delete it. Now in XXXX they reported to all three credit bureaus and have prevented me from getting a mortgage I worked the last year and a half for. I 've tried to contact them but every employee tells me something different. They call my work, my parents house ... It is basically ruining my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
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. (GA)

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Complaint:
Capital One charges me annual fees on a closed credit card and in spite my efforts of having these fees waived since the account is closed they keep on charging me for it. Besides, just today they added a new late fee of {$40.00} to my account and refused to reimburse me. The APR is variable and has gone up five times in the past year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group (MI)

Complaint:
I have a fraudulent collection from XXXX XXXX XXXX XXXX aka CKS financial showing up on my credit report for {$770.00} which I have asked XXXX XXXX XXXX XXXX to provide a validation letter to me about so that I could express my civil rights to review the information and make any disputes. I followed up on XX/XX/23 by filing a complaint against XXXX XXXX XXXX XXXX on CFPB website due to harassing amount of unanswered phone call and lack of response or a validation letter upon original request. Even after requesting again for validation XXXX XXXX XXXX failed to provide me a validation letter and it has been well over 30 days. According to Section 1692g in Title 15 of the U.S. Code This section of the Fair Debt Collection Practices Act discusses a consumer 's right to have the debt collector validate a debt for accurracy. Collection efforts must cease while it's being investigated. I am now within my right to sue the collector. According to my legal counsel XXXX XXXX XXXX XXXX should not be reporting this erroneous collection on my report without even providing me validation or a chance to dispute 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 2020-07-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Perfection Collection (NC)

Complaint:
After getting my annual credit reports, I discovered that I had a collection on my account. I found out what the original company was, an alarm monitoring system. I contacted them, they did not have my information. They said that they had put this into collection. The service was for an XXXX  address. I live in XXXX XXXX  and do not use any service of this type. I called the Perfection Collection Agency on XX/XX/XXXX and informed them this was not my debt. They said nothing. I have since disputed this on my credit reports and added a consumer statement, this is fraud. 
I am also sending a certified letter to this collection company for documentation that this is valid. It, of course, is not as I never have used these services. 
I have never lived or received mail anywhere but XXXX XXXX  in over 35 years. Never have received any mailings or telephone calls and the account was opened at the agency on XX/XX/XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NV)

Complaint:
I called the credit card company customer service again today XX/XX/2019. 
I asked him why I was charged a late fee of {$85.00} and they said because I didn't pay it on time in spite of the fact that I have a minimum balance that they automatically get so they're paid on time. I also pay the full amount, this month it was {$5500.00}, a few days before the due date. 
The representative insisted that does not qualify as being paid on time. They have it rigged so It's impossible to pay on time according to them. I think any reasonable person would say that I'm paying them on time and have never been delinquent. This has been going on for many months. And I have paid thousands of dollars in late fees even though I always pay on time in full. 
The best arrangement I could get with them was to pay my bill in full automatically for 2 months and then I might not be charged any late fees after that. 
Out of desperation and because they left me no alternative, I agreed to that arrangement. 
I think what they are doing is unethical and probably illegal and that they should refund all my late fees to 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 2023-04-19
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. (IL)

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