hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-07-06
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BCG Equities, LLC (IL)

Complaint:
I payed of an auto debt on XX/XX/XXXX. Before that XXXX XXXX XXXX  who was hired by BCG Equities LLC threatened to garnish my wages and even reached out to my employer on several occasions. I tried negotiating with XXXX and between them being rude and yelling at me it was not getting anywhere. Since I paid the debt off in XXXX I have been trying to retrieve the title to the XXXX XXXX XXXX. XXXX lXXXX XXXX would not give me any information on how to retrieve the title and by mid XXXX I had found out about BCG Equities and was able to find there contact number. Since XXXX I have called them every other week looking for my title and they kept telling me that they were processing it and should be soon at getting it. Yesterday I got a court document in the mail that released the lean from the car signed by the judge, but still no title. I called BCG Equities today and they said that is the best they could do and they did not know where the title was at and that I needed to go to the DMV to file for a lost title when I was not the one that lost it mind you. I explained to him that I would have to pay extra money for this and that I had already paid them for the tags, title, taxes, his response was that's the best I can do. They went in front of a judge trying to get money back on a car that they did not even have documents for, I do not understand how this is legal for them to do this to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
On XX/XX/XXXX, Transunion received an identity theft report in according with the FCRA. FCRA states a credit reporting agency ( Transunion ) is required to block the information within 4 days. Transunion failed to block the information. Transunion does not have the authority to decline or rescind any block because it was not made in error, there was no material misrepresentation of the facts, and I am not in receipt of any evidence to which Transunion has determined that I have obtained any goods or services as a result of the blocked transactions. Additionally, since then Transunion has allowed the alleged accounts to continue reporting what should be known as false information. Transunion has failed to follow the requirements under 15 USC 1681c-2. Their failure has caused significant harm to my reputation and allowed for my private information to be obtained without proper systems in place to protect 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 2017-04-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CCS Financial Services, Inc. (TX)

Complaint:
Account #  XXXX  and  XXXX  I called t oday     XXXX 17   at  XXXX   XXXX  ad spoke with  XXXX   XXXX  about  XXXX  accounts that they have and get validation the debt.  XXXX  stated they have no physical documentation in their possession to provide me stating that I own this debt and am responsible for this debt. She asked me to call the original creditor which I did before calling CCS. They stated that they no longer own the debt and all the information was transferred to CCS.     CCS is violating my rights under the FCRA by their unwillingness to furnish information validating the debt that they are trying to collect on. I do intend on filing a lawsuit for violation of my rights if this information ca n't be validated to me in writing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
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: EQUIFAX, INC. (SC)

Complaint:
XX/XX/2022 I'VE NOTICED THAT MY CONSUMER CREDIT REPORT SCORE HAS NOT GONE UP IN SEVERAL MONTHS. 

I HAVE PAYED ALL CREDITOR ON TIME AND ADDED NEW CREDIT AS WELL. 

WHY HASN '' T MY CREDIT SCORE INPROVED TO A HIGH SCORE????????

EQUIFAX IS COVERING UP REGULATORY VIOLATIONS AGAIN!!!!!!!!!!!!!!!!!!!!!!!!! 

MY XXXX AND XXXX CREDIT REPORT SCORES ARE WAY HIGHER THAN EQUIFAX AND THE HAVE THE SAME ACCURATE CREDIT ACCOUNTS AS EQUIFAX!!!!!! 

EQUIFAX IS IN VIOLATION OF THE FAIR CREDIT REPORTING ACT!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-10
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CREDIGY USA CORP. (CA)

Complaint:
On XXXX XXXX, XXXX, I sent a certified letter to XXXX XXXX. XXXX, vice president/trial counsel of XXXX XXXX XXXX XXXX, assignee to Credigy Receivables requesting them to verify a debt that has started in XXXX, but until now I have not received anything from them. They placed lien on my property in XXXX and XXXX but failed because the SSN who owes the debt was not mine. They also tried to foreclose on my property thereafter, and that also failed. This debt was not even ever in my credit report. What should I do next? Will you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (OH)

Complaint:
I have federal loans serviced through Navient. 4 of the loans are XXXX  subsidized loans from my XXXX at Ohio XXXX and 1 is a XXXX PLUS loan from the XXXX XXXX XXXX. They have not delayed payments and have been charging interest all year. I messaged them about this and they first stated that it was due to loans being amortized on a schedule and that I wasn't being charged interest. I followed up later due to a different reason and they stated that the CARES act rules did not apply to my loans because they are not held by the department of education. They were still federal loans that were serviced by Navient so I'm not sure why this would not apply. My main issue is that they have been charging interest since XXXX which adds up to a significant sum and they did charge me 1 late fee which would not be present if CARES Act rules were applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST PORTFOLIO SERVICING INC (MO)

Complaint:
My bill was due on XX/XX/XXXX. My card was over the limit by XXXX cents. The minimum payment due was {$41.00}. In an attempt to correct these issues, I made a mistake and paid {$40.00}. I was then charged {$30.00} for a late payment. I was charged {$30.00} because I was XXXX cents short of the minimum payment due. 
This SMALL error, because of the late fee and interest charges, caused me to then go over my limit by {$5.00}. 

Thinking that the company would understand the issue, I contacted customer service and asked to have the {$30.00} fee waived and even made an extra payment of {$35.00}. The young man that assisted me on that call was understanding and kind and apologetic about the inconvenience and submitted the request. 

I patiently waited a week to see if the refund had been processed and it had not. Upon looking today, almost 2 weeks later, I noticed that I still had not been refunded. I called customer service again and was told that the " back-office '' denied my request because my account was not 30 days or more overdue. 
I was denied a simple request to refund a {$30.00} fee for an XXXX cent error because I tried to rectify the situation in a fast and timely manner! That makes absolutely no sense and is a horrible business practice to have. 

When told this, I asked for a supervisor to escalate the issue, because this is an unfair and unacceptable business practice. I was transferred to another person who told me basically I knew the rules when I signed up for the card and there was nothing that could be done. 
I am absolutely flabbergasted and very upset that because of an XXXX cent error, that I lost {$30.00} of my hard-earned money. 

I have other credit cards with other companies such as XXXX XXXX and XXXX XXXX and have had fees waived for much larger issues and have never been denied with such a lame excuse. I may have a low credit score, but I am trying very hard to fix that and take financial responsibility. And to have {$30.00} STOLEN from me is a slap in the face. 

So, with the arrogant response of the 2nd person I spoke with today, I requested to talk to someone above this person. 

I was then " mockingly '' told that I would have to wait 24-48 hours for a " supervisor '' to call me back. 

Completely unacceptable and unfair business practices if you ask me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
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. (IA)

Complaint:
XXXX informed me my payment would NOT be late, yet put a mark on my credit report ( dropping my score XXXX points! ) that it was 30 days late. I have been calling XXXX everyday, and no one is helping me or taking any accountability for the rep who misinformed me on the phone when I asked for an extension. I was told if I paid by XX/XX/XXXX, my account would be fine. I paid on XX/XX/XXXX. There is absolutely no reason anything should be late, and I need the XXXX late payment removed immediately 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 explanation
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (VA)

Complaint:
On XX/XX/2021, I send a letter to XXXX, XXXX, Equifax, and XXXX XXXX from US Bankruptcy Cout saying they did not report to the following companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
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: PENTAGON FEDERAL CREDIT UNION (NM)

Complaint:
On XX/XX/2020, I tried to get pre-approved loan for a property and that is when I found out there had been fraudulent activities. I was in disbelief when I found out I knew the perpetrator. It is my own mother that had used my information against me. We are not in contact and our relationship had been damaged. She is recently harassing, defaming and stalking me. XX/XX/2020 she used my information to track down my doctor and former adviser from school to get more information about me. We reside in two different state. She found my former address where my close friends still lives and surveyed the area and called the cops on that address to do welfare check. She wanted to confirm I still reside there. She has my number but did not call or text me that she is in town. These incidence has caused me to have severe anxiety, nervous and I am always in fear of what she is doing and what she wants. I am afraid for my life and I need HELP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (IL)

Complaint:
Company refused to validate the debt with documents bearing my signature. I am unsure how they received my private medical information and have reason to believe my HIPAA rights have been violated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Complaint:
I have contacted XXXX with whom I pay my car note through, I have contacted XXXX XXXXXXXX in reference to 2 credit cards, and I have contacted XXXXXXXX XXXX for my 3rd credit cards and all 3 creditors have advised me that information was sent over to all 3 credit bureaus to update my file to reflect what should be current. I reached out to Transunion about this and initially the representative stated he would file a dispute because they haven't received anything. I told him I didn't need a dispute and that it sounded like a glitch on their end with updating my file. There is no way 3 creditors would tell me the same thing and when I go check my XXXX and XXXX report it is showing updated for my 3 credit cards and my car note for what I have paid most recently. Then the representative stated he would place a comment on my credit file and I told the representative I am not giving anyone permission to place a note on my credit report when all Transunion needs to do is find out why they haven't updated my credit report to reflect what is accurate. It was after the fact I told the representative that I was filing a complaint that he stated they would look into the situation further. Please require Transunion to investigate what their issue is.

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 2018-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (FL)

Complaint:
Since about 3 or more years ago, my bank has slowly crept up to its old practices with fees in my checking account. When banking regulations happened during the financial crisis US Bank did what I thought should have been a common practice from the get go : 1. overdraft fees would not exceed the amount being paid -- for example I just got debited {$25.00} from check card connected to toll booth recharge account. this {$25.00} charge brought my account below zero and i got charged a {$36.00} fee -- and this has occurred multiple times in the last 5 years -- going against a practice in place after regulations started back in 2009 or so. 

2. this specific charge, for example, after banking regulations circa 2009, would not have been paid for there were not enough funds in the account, regardless if it was a charge deemed " recurring '' or not. 

3. this bank is back to debiting items the old way : when multiple items come in for debits -- whether through check card pre authorizations, scheduled bill pays, or checks coming through, the highest item is paid first and then the smaller items regardless if they came a day earlier or on the same day. this practice then, for consumers with low account averages makes them liable for multiple overdraft fees as higher ticket items are paid first. 

4. lastly, if i remember correctly, if there were funds when an authorization occurred, the authorization would be paid with no fee incurred regardless whether the account went in the red. 

I contacted the bank in regard to these issues and they simply gave me the option of having a checking account that was severely handicapped -- i.e. one wherein neither checks nor check card actions were possible or would require a per transaction fee or leave everything as is. 

i was so relieved when the original regulations were in place and slowly became more increasingly disheartened as the dismantling of these regulations protecting me were eroded quietly and effectively over the years by the bank. I am certain that this is not the only bank and that it is not the first time that you hear of this. 

I expect no resolution. We will see if this works. Thanks for reading.

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 2022-02-09
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Complaint:
I have been disputing fraudulent reporting on my credit report with XXXX accounts and XXXX different credit report agencies. XXXX and XXXX. The accounts have not been validated or verified according to the laws that were cited. They refuse to remove them and the creditors also have failed to validate and verify the accounts. They can verify them but the validity of the debt has not been proven.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: IQOR US INC (GA)

Complaint:
Allied Interstate reported a delinquent account from original creditor XXXX XXXX as a debt owed of {$360.00} on XX/XX/XXXX. Account was not on credit report at time settlement payment was made on the same day by myself. Spoke with XXXX XXXX ( identified as supervisor ) to request they remove from credit report. He refused to remove and stated they will update information as paid. I had already paid the settlement amount within timeframe given on letter received by the company which gave me up until XX/XX/XXXX to pay. Company never informed me they will be reporting this again after it was initially previously removed in XXXX. I informed this supervisor that not only did they report false information because account was paid but also they were in violation because according the FCRA I am to be given a 5 day notice before an account is reinserted. Please remove this account from my credit report. He continued to refuse. I also informed him I will be retaining a lawyer if the company continues to refuse to remove false information. 
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 2020-10-13
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. (FL)

Complaint:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2019-08-04
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

Complaint:
I got divorced in XXXX, my wife then two months before went to the dealership and sign my name to a lease of a XXXX XXXX XXXX. The payment was XXXX XXXXper month. So after we divorced she dropped the lease in my lap. She said she didnt have the money to pay for it. So I took it back to the dealer, and was told I could return it but the payments and the other fees I still have to pay. Sales and finance said that it was my signature on the lease and it was my responsibility. They then told me that since I had to still pay for lease, they can put me in a lease for with the same as the truck to replace it payment wise. I agreed thinking I was just paying for the new lease in place of the old lease. After about 5months I get two bills from TFS saying I still owe on the truck and the car lease. They added the reminder of lease of the truck to my car lease. I struggled to pay the {$790.00} as I retired from the Military the same month XX/XX/XXXX. I attempted to get payment lowered, TFS told me no because of my now credit score after the divorce. I was always a two payments behind because of due date they wouldnt change. I get threatened with repossession of the car every month. Its about 8months and the day I had to had the last current month payment in, I had to send it by XXXX XXXX. That night they repossessed my car. After the fact that I brought it current. I tried getting my car back, and was denied. Two weeks later they sold it at a auction. The amount that it was sold for wasnt and still hasnt been disclosed to me, and TFS reported to credit unions that I still owe them $ XXXX. I also asked them about the Solider and Sailor Act, and was shut down. Im a retiree on a fix pension after divorce, and on the hook for a payment on a prior lease that was add to a newer lease I didnt sign for. Now my ex-wife credit score is  800+ do to her paid debts off. So if thats the case her credit was attached to mine, but my credit file never changed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
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. (CT)

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (TX)

Complaint:
This debt is not mine it 's my daughter, I spoke with XXXX @ XXXX and was told that this debit should be my daughters XXXX for her child XXXX but somehow it was on my report, The young lady by the name of XXXX states she would have this debt removed but it still on my credit report from IC Systems.

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