hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2018-07-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

Complaint:
I have been going back and forth with this collection agency and the creditor for now almost 6 years. I lived at a property for a short time and when I moved out I was given misleading information. The collection agency at first tried to collect an amount of {$2700.00} when in actuality I allegedly only owed {$650.00}. I contacted the creditor XXXX XXXX who corrected the amount but it took close to 1 year to accomplish this. I offered to pay the {$650.00} but asked that the debt be removed from my credit report because if the original balance was {$650.00} and not {$2700.00} I would have paid it no questions asked. Due to the lack of cooperation from the collection agency Fair Collections And Out and then the drawn out emails and constant back and forth with XXXX XXXX AKA XXXX XXXX it was discovered that the balance indeed was {$650.00} so the entire time they damaged my credit based on a false amount owed which is against the law. I will attached the email chain so you can all see it. It took me many phone calls and their office manager at the time to fill me in on the information so I could get the correct amount. When I told them the office manager gave it to me they didn't believe me so I had to show them proof of my phone calls ect. This was very deceptive on both Fair Collections And Out and XXXX XXXX to try to scam me out of {$2700.00}. They did however correct it to {$650.00} and as a courtesy I asked them to please send me courtesy deletion letter or email showing good faith that they would correct the issue and remove it from my credit because it was not done correctly from beginning ( which I offered to pay when I moved out the correct balance ). They refused to do so. Now I could let the debt expire and pay nothing but I would rather take care of the debt and pay it. My offer still stands to pay the debt but have it deleted because it was wrong from the beginning to the tune of {$2000.00} off.

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 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Complaint:
I want to block and arrest the person who issues credits I am not familiar with from Capital One XXXX, Capital One, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, I don't know the amounts by I did not issue any of these cards and there was recent activity of my social security number that was used as well and I want this dealt with and corrected and have the person responsible for this arrested their address is XXXX XXXX XXXX XXXX XXXX LA XXXX please arrest this person and help correct my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
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. (NY)

Complaint:
I sent a letter over 45 days ago. According to the FCRA, I'm aware that you have 30 days to investigate and respond to my dispute.You must remove the inaccurate information on my credit report immediately. I reattempted to contact you with a follow up letter but there was still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER HOLDINGS USA, INC. (NJ)

Complaint:
I am a customer with XXXX. I have a checking account with them since XXXX. I use the online services. I have set up an external account with XXXX XXXX for ACH transfer into XXXX account within their online portal. I have made several external transfers in the past with no issues. I made an external transfer on the XXXX online portal for the amount of {$1000.00} from XXXX XXXX  into XXXX. This was done on XXXX. On XX/XX/XXXX - the fund of {$1000.00} was withdrawn from the XXXX account. These funds were taken from the XXXX account via an ACH from XXXX. These funds were never posted to the XXXX account. I have called XXXX 8 times. Each time they state that the middleman has the money. ( I later found out the middleman is the XXXX warehouse ). Supposably they reversed the transaction on XXXX to send the funds back to XXXX XXXX. For some reason they were unable to post the transaction. They told me to wait three days. When I called XXXX after the three days - they told me it is a XXXX XXXX issue. I have now called them 8 times. Each time it takes over a half hour to explain the situation. Once you get to the correct person, they tell you it is not a XXXX issue. It is an issue with the middleman and to call XXXX XXXX I then call XXXX XXXX and they are unable to do anything because they have released the funds to XXXX. 
It is now a over a month and the {$1000.00} is missing. XXXX is unwilling to do any type of fraud report. nor do they give any suggestions to resolve the issue. There must be some type of protection for the XXXX in this type of electronic transaction. 
There is a clear transaction history of the XXXX withdrawal on the XXXX account debited on XX/XX/XXXX for {$1000.00}. XXXX- once you get through the levels of the phone representatives are able to see the transaction. However- no one can tell where the money is nor are they willing to tell you how to get the funds. i am banging my head against a wall.

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 2020-02-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: New Century Financial Services, Inc. (NY)

Complaint:
New century financial services is subpoenaed me to fill out a questionnaire for the amount of {$1900.00} on a bill I never had and its dated back in XX/XX/XXXX. Tells me if I dont fill it out I am in contempt of court if I dont comply and fill out the info. They said I paid money last year and I never did. I dont even know what this is about. 
I just got this today XX/XX/XXXX. A lawyer company through XXXX XXXX  XXXX in XXXX issued me a notification along with the Supreme Court of the state of New York county of XXXXXXXX. Does not look legit and the questionnaire is asking a bunch of personal questions such as SSN ( which is already on their file apparently ) and asking for my income and other info. I do not owe this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
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: HUNTINGTON NATIONAL BANK, THE (MA)

Complaint:
In accordance with the Fair credit reporting act Bank XXXX XXXX account # XXXX and XXXX XXXX Bank account # XXXX, have violated my rights. 

15 USC 1681 Section 602 state I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (CA)

Complaint:
I took the balance transfer from chase and then after that I set the auto payment to minimum due amount but chase tried for the full payment my bank does not have sufficient funds and then they charged me overdraft charges. After couple of days they retry again for full payment and again they charged the overfldraft fees. Chase also again charged me on the returned amount XXXX XXXX 

I asked the proof from chase on retry terms and conditions on agreement and proof for auto pay for full payment they have not sent me for 2 months. They are keep on interest charges to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
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: Experian Information Solutions Inc. (TX)

Complaint:
I am a victim of identity theft. Several years ago my office was broken into and several ID documents were stolen. I filed a police report and have attached it to this complaint. My credit file was accessed without my knowledge or approval online without me being physically present and showing an ID. I did not authorize the credit inquiry on the following dates from the following creditor : XXXX XXXX XXXX / XXXX Dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 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 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Complaint:
XXXX  has XXXX 's last payment as XXXX. 
Transunion has XXXX 's last payment date as XXXX. 
XXXX  has XXXX 's last payment status date of XX/XX/XXXX. 

XXXX  has XXXX 's last payment as XXXX. 
Transunion has XXXX 's last payment as XXXX XXXX  has XXXX 's last payment as XX/XX/XXXX. 

XXXX  has XXXX  's last payment as XXXX. 
Transunion has XXXX  's last payment as XXXX. 
XXXX  has XXXX  's last payment as XX/XX/XXXX. 
XXXX  has XXXX 's last payment as XXXX. 
Transunion has XXXX 's last payment as XXXX. 
XXXX  has XXXX 's last payment as XX/XX/XXXX. 

XXXX  has XXXX XXXX last payment as XXXX Transunion has XXXX XXXX last payment as XXXX. 
XXXX  has XXXX XXXX last payment as XX/XX/XXXX. 


THESE ACCOUNTS APPEAR TO BE FURNISHED BY THE SAME CREDITOR SO WHY IS IT THAT THE DATA THATS PROVIDED IS DIFFERENT ON EACH BUREAU? IT IS THEIR DUTY TO ENSURE THAT ALL INFORMATION PROVIDED IS CONSISTENT AND MOST IMPORTANTLY ACCURATE. HOWEVER THE CREDIT BUREAUS HAVE FAILED TO DO SO. I HAVE CONTACTED EACH BUREAU SEVERAL TIMES ABOUT ERRONEOUS INFORMATION. XXXX  HAS CHOSEN TO BLATANTLY DENY MY REQUEST TO FURTHER INVESTIGATE THE MATTERS.BECAUSE OF THIS APPARENT NEGLECT IN ENSURING THAT EVERYTHING ON MY REPORT IS ACCURATE, CONSISTENT, AND UP TO DATE, I AM HERE AGAIN REQUESTING THAT THESE ERRONEOUS ITEMS BE DELETED IMMEDIATELY.

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 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (AZ)

Complaint:
On XXXX, 2021 I became aware of the fact that Experian unilaterally dropped my credit score by 25 points ( from XXXX to XXXX ). I called their so-called help line to find out why. They refused to answer any of my questions using the dodge that I had to hire a outside credit advisor. My credit score aXXXX XXXX is XXXX, at XXXX, XXXX. 

I have no credit card debt, no auto loan and the only debt I have is a very manageable mortgage payment. Nothing has changed as I've had no debt other than my mortgage for the last three years. I have a stable comfortable retirement income The Experian rep suggested that it " might '' be because I don't have any credit card debt and suggested I carry debt!! This begs the question as I've had no credit card debt for three years and out of the blue it becomes a problem? 

How can Experian penalize me for prudently managing my financial affairs?

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 2023-05-23
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Complaint:
I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NAVY FEDERAL CREDIT UNION (FL)

Complaint:
Navy Federal Credit Union claims because of credit card debt that they have my authorization in purpetuity to complete automatic withdrawals from my checking bank account ( Member ID XXXX ) I notified the creditor in about 2019 that I no longer authorize withdrawals from my bank account especially since funds were for mortgage and auto loan payments. NFCU keeps withdrawing funds from my account ( hundreds per transaction ) AFTER I told them that they no longer have my permission to make withdrawals.. Unauthorized funds withdrawals by a debt collector is a blatant violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and or the Electronic Funds Transfer Act ( EFTA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
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:
I have been in the care of my fiance ' for over 12 years in which I have been well cared for and did not have to want for aqnything notr had I any need for credit as he provided everything for me upon his insistence. My fiance ' recently died and I have been in need of housing for myseklf, so I have checked my credit with a monitoring service and have found out that my credit has been used for someone to obtain various services and products. I have files various fraud affidavits with local police, FTC, and other credit service provided to putan end to this fraudulent use of my personal information.

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 2022-09-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (SC)

Complaint:
Account number ending in XXXX was sold/ transferred to XXXX XXXX XXXX XXXX and with the assistance of the CFPB I was able to stop them from reporting inaccurate information to my credit files and to cease and desist. 

Since the time of the complaint. An unnamed authorized representative of Citibank , N.A . mailed a letter dated XX/XX/XXXX, requestion my personal private information based off my dispute with XXXX XXXX XXXX XXXX. ( See attachments ) Neither Citibank , N.A . nor XXXX XXXX XXXX XXXX are Holders in Due Course and I would like to know the name of the authorized representative who released the information provided to XXXX XXXX XXXX XXXX in efforts to collect an alleged debt. 

Citibank N.A does not have a permissible purpose to contact me in efforts of obtaining my private information. Please be advised XXXX XXXX XXXX XXXX have cease and desist as Ive previously requested and there has been no damage to my credit files regarding their debt collection attempts. 

I will not release any information to Citibank N.A. Please cease and desist. An honorable Holder in due course would be able prove any contractual agreements with an actual authorized representative. 

Please be advised the computer-generated letter provided by Your Security Operations Service Team XXXX Is not an authorized representative as Citibank N.A. are not Holders in Due Course.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
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: AMERICAN EXPRESS COMPANY (TX)

Complaint:
I reported that I made a purchase and did not receive, what I paid for. Therefore I wanted a refund. You pay before you get the service. I also had put in a complaint with the XXXX   months before, because they would not respond to me or the XXXX  complaint. I came to American Express because, I could see that XXXX XXXX was not going to do anything and were just stalling for time. 
When I came and told American Express about the situation, and I did not get what I paid for. They should have refunded my money, back to the card, They took his word for fixing this situation. Knowing all of the steps that I went to try to remedy the situation before I even came. As of XX/XX/XXXX, he tried to retaliate against me for reporting him, as he picked that day to tell me that he was not going to refund my money or fix the situation. After all this time saying otherwise. During the dispute period you told me that I did not have to pay, you took it out of dispute. and did not tell me. Now the card is in arrears. When this situation didn't have to be.They also violated my Hippa rights by photocopying my personal medical records and sending them to American Express. Who does that?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-12
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. (PA)

Complaint:
My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be investigated and updates as soon as possible. I have not nor have ever received and/ or authorized the release of any goofs or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and am requesting a free copy of my report be provided along with all pertinent information relating this matter. 

The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NCB Management Services Inc. (TX)

Complaint:
Agency agreed to a pay for deletion on this account. Account has been paid in full as agreed between myself and agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

Complaint:
I've been going back and forward with the credit bureaus for over 6 months and have yet to see the results that I am demanding dealing with these unverifiable accounts that are reporting to my credit profile. My most recent letter was sent on XX/XX/2022 to each bureau and I have yet to hear back from them 45 days later. I asked them to verify these inaccurate accounts that are reporting to my profile and they have yet to provide the verification that I have requested several times. My next step is to take this matter to court. Please assist me with this issue due to these accounts being a direct violation of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
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: Mr. Cooper Group Inc. (MN)

Complaint:
Mr cooper mortgage put a negative report on my credit without notifying me of one late payment, no calls or letters was sent to me to remind me of the late payment. I'm on a process of closing on my new home which is suppose to be on the XXXX of this month. 
Please I want this issue to be resolved because the negative impact they made to my credit score is not fair to me and it's unacceptable. 
The late payment happened due to miscommunication between I and the representative when I make a payment arrangement with them in XX/XX/2022. 
The representative that I spoke to did not explain thoroughly to me about the payment, I tot I will start my regular payment in XXXX not knowing that It start in XX/XX/2022.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation