hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Complaint:
I have informed TransUnion that my report was inaccurate and they have not replied or took any steps on resolving this issue.

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 2019-10-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (MA)

Complaint:
The late remarks listed is incorrect, there is a late 90 days with no prior late remarks on it. Also the date of last active is different from XXXX and 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 2021-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Office of Brett M. Borland, P.C. (SC)

Complaint:
I paid a debt with the Law Office of Brett M Borland on XX/XX/2021. They were collecting on behalf of XXXX XXXX XXXX. Original creditor was : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX the amount paid was {$1500.00}. They refuse to either report the debt as paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OH)

Complaint:
Citibank dba Citicards RETALIATED against my filing a complaint ( COMPLAINT ID XXXX ) recently against it with the CPFB. Citi has blocked me from making a payment online. Each time I have tried to pay, a message comes on stating " This is unexpected Looks like we're experiencing a temporary technical issue. Please try again later. '' Later never comes day after day. Citi has purposely made it impossible for me to make payments, as I have done in the past, online. This is another corrupt way to obtain late fees by Citi, while punishing consumers for filing complaints.

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 2018-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

Complaint:
The Student Loan Company XXXX XXXX/XXXX XXXX XXXX XXXX is  reporting payments late for the time period of XX/XX/XXXX - XXXX but I had been approved for deferment during that time period by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sunbit, Inc. (TX)

Complaint:
Installment loan agreement with XXXX XXXX  XXXX XXXX XXXX UT XXXX Account # XXXX ; XXXX as listed on the agreement I sent in the total amount due to be processed XX/XX/XXXX they received XX/XX/XXXX saving on the intrest charges they told it would consider late because I didn't pay online

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
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. (CA)

Complaint:
This is my 6th attempt to get this matter resolved but then again my request is still being ignored. I have a loan with the accounts below and I always made my payments on time. For some reason, I realized that there were 30 days past due from XXXX, XXXX and 60 days past due on XX/XX/20. I have read enough to understand my rights. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA.and is wilfully non-complying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payments from these accounts. Below are the accounts with erroneous information that I'd like to remedy ASAP. 

XXXX XXXX XXXX, XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-05-31
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. (MD)

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$8.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Complaint:
Equifax obviously lost my data and in the process gave a misleading website designed to get people to forfeit their ability to complain about this terrible breach, under the guise of checking your " status ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Harvard Collections, LLC (NC)

Complaint:
I previously filed a complaint with the XXXX XXXX XXXX and with the federal trade commission regarding a collection that was over 30+ years old. The collection company removed the amount from all three bureaus and close this matter. Today I received an email and a phone message from XXXX XXXX from the collection agency Regarding how to answer the appeal today. I received a phone call from a person named Judge XXXX from XXXX  Of Illinois to hear my appeal and disclosed this matter I explained that this collection attempt was closed and she kept asking me if I was going to cancel the appeal or if I still wanted to do a hearing she stated she did not have any information that this account was closed I told this person Judge XXXX not sure if she is even a judge if there was no case there was no information that this was a close matter I contacted after my phone call ended XXXX XXXX to tell him to stop calling and harassing me over this 30 year old overpayment collection that was closed with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: SYNCHRONY FINANCIAL (VA)

Complaint:
Please see My attached Memorandum for the Record, dispute of billing errorvalidation and verification of alleged debt/account dated XX/XX/2023.

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 2022-10-17
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: Law Office of Michael J. Scott, PC (TX)

Complaint:
I set up a payment arrangement in XXXX the day I was served with paperwork stating that I was being sued. I have successfully made XXXX of my XXXX payments with the last payment being due on XX/XX/2022 I have contacted this company several times regarding the default hearing date that I received as I have been on a payment arrangement since XXXX and have requested to speak to someone in the legal department and my request have been denied. I contacted the courts this morning after being informed that a continuance was requested on XX/XX/2022 after my initial complaint regarding this letter. the agent confirmed that the payment arrangement was to prevent a judgement hearing which is what I was informed at the time of setting up the arrangement both can be confirmed on the companies recorded calls. I reached out to the courts this morning and they have no record of a pending continuance case. at this point if I am required to take off of work on XX/XX/2022 I am demanding that my time off work be compensated as well as the file be dismissed because I have done my part however this company has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
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. (NC)

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Complaint:
I submitted a complaint earlier along with documentation to prove that Experian is purposeful and willful in miss reporting my Credit Score. I complained about XXXX XXXX XXXX And Experian and ever since I have tried to get proper help for removing information and mistakes on my credit report. I have been patient and even paid Experian several times to get their premium service. I have raised and lowered my balances on my credit cards and taken out loans to do what they suggested. They have shown that their reporting and scoring is not impartial. Please take a look at the documents I have included. I purposely paid off all my credit balances to show how Experian does hold some accounts in contempt. I had my score drop today because I paid off most of my XXXX XXXX card from XXXX. They said that I lowered my savings account. Experian does in fact take offense to complaining to your agency! I have included the documents! Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
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. (GA)

Complaint:
This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$4800.00} ; XXXX XX/XX/2021 XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance : {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (VA)

Complaint:
I opened an ESCROW account with TD Bank ( XXXX, XXXX XXXX branch ) in XXXX to handle the security deposit for a rental we have in XXXX XXXX 
In XXXX we moved to XXXX and I advised TD Bank to change our mailing address ( to become in XXXX  where we moved. 
In XXXX of XXXX I went to the bank and asked about the account. I was told it had become dormant in XXXX and they did not have the correct mailing address. The bank re-activated the escrow account but then charged {$15.00} per month as banking fees because " the account was changed in XXXX to a different one that had banking fees if it fell below a certain limit ''. This is an ESCROW account that will not increase in value. The funds are there as a security and is in the name of the tenant ( I am the escrow holder ). 
The bank charged an amount nearly {$800.00} for as a service fee over the course of the years. 
I complained to the bank branch in XXXX, XXXX  where we bank and was advised by the bank manager ( after 3 months of waiting ) that she could not do anything ( bank statements which I never received have a 30 day contestation period ). They therefore did not refund any of the money that was charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Complaint:
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 In accordance with the Fair Credit Reporting act the aforementioned accounts have 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 an account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit card account late under an open ended consumer credit plan for any reason.

Refuse to block information resulting from identity theft Refused to send proof of validation of debt and full details of the supposed investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
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: JPMORGAN CHASE & CO. (CA)

Complaint:
I reviewed my credit score on XX/XX/XXXX. I was advised that there was a hard inquiry made on XX/XX/XXXX. I did n't authorize a credit check and this information is fraudulent. I called Chase Bank on XX/XX/XXXX and was left on hold for over 30 minutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being XXXX  and that I'm being XXXX of. It is precisely stated in Section XXXX ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

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 2023-05-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC (CA)

Complaint:
I XXXX XXXX do not owe credence resource management any money. Im asking them to ceast and defrain. All communication should be done by postal service. Stop calling my cell. If u continue to call Ill sue u under fcra law. I request also not to put this account on my credit report as I do not owe this company any money. I understand this company is a debt buyer and I do not have a contract with this company. Ceast now

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

Complaint:
I work for the Consumer Financial Protection Bureau and by law ca n't have my phone for privacy reasons so it is left at home. I got home and immediately scheduled my payment. It indicated it would not post until XX/XX/XXXX and was due XX/XX/XXXX. I was devastated. I immediately called and spoke with XXXX and he stated he could not process on the XX/XX/XXXX since it was after XXXX XXXX EST ( XXXX EST ). I asked to speak with a supervisor and he connected me with XXXX (? ). He told me he could n't accommodate me. I asked to speak with his supervisor and was advised I would be able to speak with her in 24-48 hours. I have been a card holder since XX/XX/XXXX and have never been late. My payments have either been early or on time. I advised I had the same issue with XXXX credit card and they were understanding and accommodating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Complaint:
XXXX XXXX XXXX Disputed unpaid Cap One collection {$310.00}. Please initiate a consumer complaint against this agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (IA)

Complaint:
The comenity website is currently down, every time I tried to log in to submit my payments, its says theres a glitch and could not log me in. This has happened on both of my credit cards from Comenity, my XXXX and XXXX XXXX cards

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Complaint:
XXXX has charged my Bank of America " Unlimited Cash Rewards '' XXXX  credit card {$5700.00} but I have NOT received any goods, merchandise, or services from XXXX ; I have unsuccessfully disputed this charge with Bank of America which has refused to remove this bogus charge from my credit card ; I request the Consumer Financial Protection Bureau to remove this bogus charge of {$5700.00} from my credit card ; XXXX XXXX XXXX of the XXXX Billing Department at telephone number XXXX told me that he is willing to refund the charge but that he has NOT received any of the money yet from Bank of America and as yet he has no payment from Bank of America to refund on my behalf ; I request the Consumer Financial Protection Bureau to remove this amount of {$5700.00} from my credit card bill ; 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