hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

Complaint:
On XX/XX/XXXX I mailed them a payment totaling XXXX, which was the balance of the statement dated XXXX. The mail was stolen out of the USPS system and someone fraudulently cashed the check. ( still working with XXXX Bank on this and it hasn't been easy ) This was not the fault of Synchrony however because the payment never made it I was subject to interest and late fee. These fees showed up on my statement dated XXXX. I called on XXXX and they reversed them and I paid the past due balance. 

The statement which would have been dated XXXX was either never sent to me or I didn't receive it through the USPS ( I didn't have an online account with them at the time ) so I had no way to know money was owed since I only use the account every so often. They texted me XXXX about a past due payment. I created an online account since their phone system is awful. I tried to pull the missed statement on their online portal but they don't post statements online ( only bank I have ever seen that doesn't give PDFs of statements ). I then called this morning to try and resolve the issue and they said they can't due anything and the account is now " an attempt to collect the debt ''. I have almost perfect credit and this company is not willing to work with me. They stated they can't waive the fee even though they didn't send me a statement and their own online portal doesn't allow anyone to pull a statement. They also said they can't waive the interest because the account is past due. She then asked when I would be making the past due payment and I advised I needed to see something in writing since they haven't sent me anything yet. 

I am reaching out to CFPB because this company failed to send me a statement to collect payment and is now blaming me. I understand the check theft isn't their fault and appreciate they worked with me then, but now that payment was not received because of them they are essentially blaming me. My next step once I receive something in writing from them is to push back in writing contesting everything since they have no proof a statement at the end of XXXX was ever issued. ( Since I can't pull it online and they didn't send one in the mail ). 

All I want is to close this account ( which they said I have done ) and pay off the balance for actual charges I made.

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 2019-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (WI)

Complaint:
Barclay XXXX XXXX is a time share credit card that XXXX XXXX had me apply for so they could get there down payment from the presentation. After coming back from my vacation I found out XXXX XXXX   misrepresented the program. I called credit card to dispute the charge. They said they cant because I have nothing it writing and they can't help with the verbal statements. Even though everything XXXX XXXX said was a lie they wont continue with the dispute.

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 2022-06-15
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. (IN)

Complaint:
I have a hard inquiry on my credit report due to a lending company running my credit for a mortgage. That was not me. I have not been looking for credit, a house etc. Someone has used my information and it has gone on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28
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. (CA)

Complaint:
Experian, after numerous investigations is still showing a collector, XXXX XXXX XXXX ACCOUNT NUMBER XXXX ON MY experian BUREAU REPORT. 
XXXX  XXXX XXXX IS A COLLCTOR, AGENT OR DEBT BUYER FOR XXXX a company who has questionable, perhaps illegal business practices who either knowingly or unknowingly victimiized me.XXXX sold phones and service that could not function in my home and surrounding areas as large as XXXX XXXX, CA, WHERE I WORK and also at my previous home outside of XXXX XXXX. 
XXXX XXXX has a simple plan of theft on the public ... They sell inexpensive service and phones in an area where XXXX dominates the business.The scam is XXXX has insufficient cell towers to provide service, even half the level of service provided by XXXX ( which most everyone has ) .so you get in inexpensive., XXXX appears reputable in advertising, yet the inexpensive service gives dropped phone calls, unintellible conversations, roaming in my own home, interference, static, the wind blows and cuts the call ... ..After talking to experts it is simple.XXXX has an effective scam ... ..the phones, THEIR STORE offices look good but they don't have the cell towers or cell tower leases to allow their phones to function in any normal sense of the word. 
Then when you complain they do not remedy because they can't ... ..They knew they couldn't deliver service when they sold the service to me.. 
XXXX XXXX executives perpetrate fraud on a wide scale where I live ... .they hold my credit hostage to try to collect money for a service that can't deliver..

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 2022-03-28
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. (CA)

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 heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX 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 severe XXXX 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 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 2018-09-27
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
I've reached out to XXXX XXXX twice to resolve issue ( s ) on information on my file in their company possession. Once I reviewed the file I requested the removal and deletion of ( NOD ) Notice of Default. They said they reviewed it with TransUnion and they said they received the information from them. However no mortgage company is listed on my credit file/report. Then I requested for an reinvestigation and asked for the company that furnished the the information. And now there saying that the credit Bureaus supply them the information. However it was verified by 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 2023-07-19
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: Mercedes Benz Financial Services (FL)

Complaint:
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MA)

Complaint:
XX/XX/XXXX I received multiple items from XXXX XXXX that cost approximately {$5000.00} dollars. The XXXX XXXX XXXX team was present to assemble all items for a fee of {$340.00}. One of those items was a XXXX XXXX ( {$1900.00} before discounts ) that came with a back piece that did not fit properly. The delivery team was unable to fully assemble the sideboard with the back piece that came with the order and they also left bolts and screws in a bag inside the sideboard for when the new piece arrives, as those will be needed for the next delivery team to put together. The delivery man took photos and I took photos. I called XXXX and sent them my photos. They told the credit card company that I waited a week to notify them. That is untrue. I have many many emails that I submitted to the credit card company in a timeline that was easy to follow if one took the time to read them. I also have many photos. Because I never received the back piece, the top of the sideboard warped ( pictures were submitted ). The sideboard is sitting at my house still to this day. It's never been used and is totally unusable without a back piece and screws and bolts still sitting in a bag inside. When days went by without communication or answers from XXXX I disputed this with the credit card used. 

In that same order and on that same day there was supposed to be 4 XXXX chairs ( 2 sets of 2 chairs ( {$1000.00} before discounts ) and again the {$340.00} XXXX XXXX XXXX XXXX to assemble these chairs. The delivery team said the 4 XXXX chairs were not on the truck. I called XXXX that day and told them this as well. They said they would put a trace on them. I have never received these chairs. XXXX told me that they were aware that I never received these chairs, and still has not refunded me for the missing chairs. The chairs and the XXXX XXXX XXXX XXXX  was added to the above credit card dispute. 

To summarize, I have received damaged merchandise from XXXX and charged for merchandise and services that I never received. I have been notified by my credit card company ( Costco Citi Visa ) that the dispute has been resolved in XXXX 's favor. That was XX/XX/XXXX. My husband contacted Citi Visa on XX/XX/XXXX and they have not re-opened the case. Our Costco Citi Visa credit card has charged us {$3400.00} which is payable in XX/XX/XXXX. My husband gave me this website upon his research and our credit card company has not notified us about our appeal options. 

Thank you and your agency for your anticipated effort in resolving this matter. 

Respectfully submitted, XXXX and 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 monetary relief
Consumer complaint received 2021-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical-Commercial Audit Inc (GA)

Complaint:
I do not have any idea why this company is trying to collect money from me. I do not owe them any money nor any of the companies that they collect for.

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 2023-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

Complaint:
I deposited a check from a customer on Sunday for {$2600.00} and on Monday I seen in my transaction history a reversal so I called the bank they told me all is okay and money will be available Tuesday morning. Well on Tuesday I called and it was not there. I was told to deposit the check a second time and I did as instructed. Now there is an extended hold for like 10 days because the check was deposited 2 times. I complained and said that is what you instructed me to do and I was told there is no way to change it or expedite the release. So my frustration is I did exactly what I was told to by the bank and they are treating me like a fraud. With no way to help! This is not acceptable and conducive to running a business.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
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. (NC)

Complaint:
The student loan representative promised for there fee of XXXX a month my loan payment would be reduced and no interest for three years would be charged to my account. In addition the consolidation was at 7.5 % which I assumed would start XX/XX/XXXX. At the end of the three years of no interest. My loan was given to XXXX and the representative reported that he was with the student loan company ; NOT ; XXXX XXXX and they indicated they dont use third party companies to get there loans consolidated. 
Soon afterwards, I received a bill from XXXX and XXXX XXXX for XXXX in XX/XX/XXXX. 

I checked to day after making 5 payments to XXXX XXXX XXXX and owe more then I did when I started to pay them. The account is showing and listed as a CREDIT CARD on my credit report and now showing that I am late. 
I never applied for a credit card with this scam company!!! 
The representative stated today ; that a payment in XX/XX/XXXX was not received and they JUST posted that the account is late ; and NOW I owe them {$150.00} in late fees and plus the monthly FEE. 

How is this company still in business with ALL of the negative business practices that they are currently doing. 
Who can I contact for legal advice ; I was in the process of buying a house and my credit score just dropped 30 points today XX/XX/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 2021-03-22
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: Experian Information Solutions Inc. (CA)

Complaint:
There are 8 inquiries on my credit report that do not belong to me I have not inquired for any of these I need these off my report. 

Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : EXPERIAN BUSINESS CRED Inquiry Date : XXXX XXXX, XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry  Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry  Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : 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 2023-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

Complaint:
I always paid on time, and this giving me XXXX I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2019-06-10
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CARMEL FINANCIAL CORPORATION, INC. (NY)

Complaint:
I opened a charge account with XXXX XXXX XXXX on XX/XX/2018 and due to some medical issues I missed XXXX payment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
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: EQUIFAX, INC. (LA)

Complaint:
I, XXXX XXXX XXXX XXXX of XXXX, have been impacted by the XXXX Data Breach ; as a result, I have been a victim of identity theft. After reviewing my credit report, I noticed several inquiries that are not mine, and I have no knowledge of these inquires. I have no account with the companies listed. I have provided my FTC report for accuracy ; please review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
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: EQUIFAX, INC. (FL)

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Product: Credit reporting 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:
Dear Consumer Financial Protection Bareau, In our FACES XXXX is acting, performing, delinquency as a real and professional Fraud Company As a real XXXX. I HAD ONE AND OVER PROVIDE PROOF OF MY IDENTITY, AND the information they provided representing XXXX and XXXX XXXX as they keep covering their back. PLEASE CFPB review my Documents and see that XXXX  Documents had not any revelance, incorrect information, name, last name, no work info, driver license, a copy of social security number, who the XXXX In the world on this days would barrow at least {$1000.00} without the kind of information. I haven't been able to get a loan by now not even with my XXXX XXXX XXXXXXXX, AND I BEEN WITH THEM OVER 5 YRS. 

On the other hand they are deleting the right information on My account instead of the wrong information contained within and is affecting my credit report and score. 

If XXXX who I provide the same information contained within to proof my identity had already deleted XXXX and XXXX XXXX of my credit report file why XXXX is not.! It's that I'm the only XXXX  person on this world or they playing XXXX  AND looking to the other way. I never file a Dispute to my correct HOME ADDRESS OR CREDIT XXXX XXXX ACCOUNT, SERIOUSLY. I WANT XXXX TO GIVE PROOF OF THAT ME FILE OR CALLING TO DISPUTE THAT INFORMATION. 

I also had DELETED HARD INQUIRIES THAT SHOWS ON THE EMAILS BUT IF I LOGIN TO THE ACCOUNT STILL SHOW ON MY CREDIT REPORT. 

PLEASE CFPB LOOK AT MY ATTACHEDMENTS. I'M SO XXXX  THAT I want back and got their membership back again because I thought they done a good job.

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 2020-02-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (MA)

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation