hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-09-30
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (MA)

Complaint:
I purchased two appliances via XXXX 's and applied, ONLINE, for a Brandsource Credit card boasting 0 % interest for 24 months. I completed the application online and created an ONLINE account. To date I have received my stove but not my refrigerator. Approximately two weeks ago I received my card in the mail and have been unable to register it online. I keep receiving an online error message saying my card can not be registered. I can not reach anyone who speaks English at XXXX. Today I received three calls from " Consumer Protection '', supposedly a division of Citi. I hung up because I could not understand the foreign callers and I thought it was a scammer. I called back this afternoon and was able to speak to a woman who spoke English fluently ( XXXX ). XXXX said neither Citi or Consumer Protection are authorized to assist me because I have not called them with the 4 digit " verification '' code they mailed to me, via letter, 2 weeks ago. XXXX said no one at Citi can give me my balance, tell me when my first payment is due, mail me a paper statement, allow me access to my account online or tell me if I am racking up charges and late fees, all because I never received a " verification letter '' they claim they mailed. So, now I have to wait another 7-10 days for this letter to be mailed, I have to call a number and provide that code before they will assist me. So, to be clear, they allowed me to apply online, without any sort of verfication. Allowed me to purchase at least $ XXXX worth of appliances, mailed ME A CREDIT CARD WITHOUT VERIFYING ME, BUT THE MINUTE I WANT TO MAKE A PAYMENT OR ASK FOR MY STATEMENT, I CAN NOT BECAUSE I NEVER RECEIVED A VERIFICATION LETTER THEY SAY THEY MAILED? HOW IS THIS EVEN LEGAL? They will not tell me my balance, will not tell me whether or not I have accrued any late fees and will not tell me if I have lost my interest free promotion. How is this even legal? I am asking for the third time, that a paper statement be mailed to me, any fees, late charges or interest be removed and this account closed immediately please. I do not care to do business with the likes of this company. What a trap.

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 2022-07-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (PA)

Complaint:
I made a payment online and received a payment confirmation email on XX/XX/XXXX. The due date for the payment was XX/XX/XXXX. Then noticed a few days later I started getting late notices ... .I tried emailing them but their email returned invalid. I checked online and saw that they doubled my pay as well as added a late fee. It went from XXXX to XXXX and added another XXXX equal {$160.00} I need for them to accept the payment that I already made as well as remove any late pay that they would attempt to report to the bureau. This is predatory because they know I'm trying to get into an income based payment plan and their policy requires that you have 12 consecutive on time payments to qualify. This is predatory.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
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. (TX)

Complaint:
Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX 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 2021-10-18
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. (MO)

Complaint:
I applied for only one card, one time and was approved however XXXX  ran my credit twice and I therefore have 2 hard inquiries on my Experian credit report from XXXX XXXX. I have wrote a letter twice requesting that they remove the duplicate hard inquiry but they are not and simply keep sending a letter asking me to provide the info although I already did including a copy of my Experian credit file showing the 2 hard inquiries. I need XXXX  to please remove one of the hard inquiries.

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 2018-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (CA)

Complaint:
XXXX is a company of XXXX and XXXX XXXX  up my credit score. I have told them many many many times to stop sending bad debt to their credit vendors. I purchased an item mistakenly through their XXXX XXXX Synchrony Card, I asked them to transfer it to my regular credit card, I contacted them. They claimed they were going to do it but did not. Finally, they sent the garbage debt to XXXX XXXX. XXXX refunded my amount for troublesome purchase but did not tell Synchrony to refund my purchase. What Kind of a sellor Store vendor refunds, but does not notify their credit card? Then I try opening a login account with Sychrony many many times. I had trouble with logins and passwords, additionally i did not receive an account statement. After many problems, I received bad debt for an issue I got a refund on???? XXXX  sent it to all credit bureaus, XXXX, XXXX, XXXX. XXXX even sent me a letter acknowledging bad debt and refund, but did not tell Synchrony. I said if you send bad junk and libel and slander, you clean it up. On top of this, they were laughing at my XXXX last name, they are very XXXX, what kind of a company laughs at the name of immigrants? If they do not contact the three credit bureaus, XXXX, XXXX, and XXXX and cancel my debt with Sychrony I will contact Civil Rights Commission and think  about next step on how mortgage is denied. Frauders and liars.

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 2021-10-04
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: Exeter Finance Corp. (AL)

Complaint:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATION BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCUARTE, THE DATE LAST ACTIVE IS INACCURATE, AND DATE LAST REPORTED IS NOT ACCURATE. THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2020-03-26
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. (NY)

Complaint:
XXXX, XXXX  & Transunion is reporting false information on my credit report. I have requested verification and they continue to violate my rights. I recently submitted a request for investigation of an XXXX XXXX XXXX  XXXX Acct Number # XXXX & XXXX XXXX Acct Number #  XXXX, which In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? since you obviously did not investigate this account thoroughly enough the last time I submitted one. If you had investigated properly, rather than use your e-Oscar system. I find this particularly interesting because they made their decision based off of the Name and Address. Ive attached my recent Equifax dispute results along with CFPB complaints and responses against both XXXX XXXX XXXX and XXXX XXXX. 

Cfpb complaint XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX   complaint XX/XX/XXXX XX/XX/XXXX It is at this time that I will point out that in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. 

If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. 

I look forward to an expedient resolution of this matter

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 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Avant Holding Company, Inc. (MD)

Complaint:
XXXX Avant LLC was supposed to remove the inquiry dated XX/XX/21 since last year. I have submitted 2 other complaints against this company through CFPB and was told twice they will update their systems and remove it. As of today it is STILL on my XXXX credit report.

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: Improper use of your report — Reporting company used your report improperly
Company: Merchants Credit Bureau, Inc. (GA)

Complaint:
In accordance with the Fair Credit act XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

Complaint:
In accordance with Fair Credit Reporting Act these accounts have violated my rights XXXX XXXX XXXX -- XXXX XXXX XXXX  XXXX XXXX XXXX U S DEPT OF EDXXXX -- XXXX U S DEPT OF EDXXXX -- XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX  XXXX -- XXXX US DEPARTMENT OF EDU -- XXXX US DEPARTMENT OF EDU -- XXXX 15.U.S.C 1681 section 602 A . States that 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

Complaint:
US DEPT OF EDXXXX, Experian, and XXXX Are breaking the law as I did not provide the companies listed with permissible purpose for reporting STUDENT LOANS ACCOUNT XXXX to my credit. 

Congress has limited the use of consumer reports to protect consumers ' privacy. all users must have permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Section 604 contains a list of permissible purposes under the law. ( FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. ) These are : As ordered by a court or a federal grand jury subpoena. Section 604 ( a ) ( 1 ).

As instructed by the consumer in writing. Section 604 ( a ) ( 2 ).

For the extension of credit because of an application from a consumer, or the review or collection of a consumers, account. Section 604 ( a ) ( 3 ) ( A ).

For employment purposes, including hiring and promotion decisions, where the consumer has given written permission. Sections 604 ( a ) ( 3 ) ( B ) and 604 ( b ) for the underwriting of insurance because of an application from a consumer. Section 604 ( a ) ( 3 ) ( C ).

When there is a legitimate business need, in connection with a business transaction that is initiated by the consumer. Section 604 ( a ) ( 3 ) ( F ) ( ii ).

To determine a consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status. Section 604 ( a ) ( 3 ) ( D ).

For use by a potential investor or servicer, or current insurer, in a valuation or assessment of the credit or repayment risks associated with an existing credit obligation. Section 604 ( a ) ( 3 ) ( E ).

For use by state and local officials in connection with determination of child support payments, or modifications and enforcement thereof. Sections 604 ( a ) ( 4 ) and 604 ( a ) ( 5 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

Complaint:
I only have one address that's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I gaining to give an id and bank account letter head for accuracies. I m not connected to any other address. This will be my proof that this is me also

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
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 (CA)

Complaint:
CFPB Previous complaint # XXXX Still not received the refund yet as their Balance Transfer debt is closed due to corona virus. Please see attached letter mailed but no answer yet. 
On XX/XX/2019, I called and requested a Balance Transfer to American Express card to transfer the balance from XXXX XXXX   credit card to American Express credit card in the amount of {$3600.00} plus {$100.00} which American Express has charged on my Credit card Account to pay off the XXXX XXXX Credit card.Until this day today till present XXXX XXXX  XXXX has not received the payment from American express yet. American express claims that they received the payment but need third party verification I did all I could do on my end by calling both the banks every day XXXX have been almost every day calling both the banks to resolve this payment issue but both the banks are not willing to resolve this payment issue. Now I owe the same balance on the both credit card accounts in which case XXXX XXXX should have received the payment or should have cleared the payment.I told the American Express to put a stop payment on the check that they issued and I would like to dispute this charge {$3600.00}. plus {$100.00} fee because the balance transfer was never completed.in other words the balance transfer payment does not appear on the other account. Every time I call American express they tell me to call union bank and both of the banks are of no help no. At least one of the bank has to give me refund for these amounts {$3600.00} plus {$100.00} fee back and American express is telling me that now I lost this money I can not get refund but the Balance Transfer to XXXX XXXX  was never completed.I need a solution and my rights that How can I recover my money back from American Express in full. my Credit report even shows balances on both the cards. I need a fair and justice decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
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: EQUIFAX, INC. (CA)

Complaint:
There are many student loans and an acct on my credit report that Do not belong to me I have not applied for these I have not signed for these or applied for these!!!! I have sent multiple letters to bureaus and furnishers but have not received anything back. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Complaint:
XXXX  XXXX XXXX was reporting a balance of {$270.00} of {$300.00} limit causing a credit rating decline. I paid this account off in full XX/XX/2020 as shown by XXXX XXXX. Transunion still to this day shows a balance of {$270.00} of {$300.00} that is dropping my rating every month several points. XXXX XXXX claims to be reporting it as XXXX balance, but Transunion still will not correct it claiming {$270.00} of {$300.00} is a correct balance when I disputed it 3 times dating XX/XX/2020, XX/XX/2020, and XX/XX/2020. I want this corrected 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 non-monetary relief
Consumer complaint received 2022-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Complaint:
On XX/XX/2022 I received an increase by Capital One without requesting it. The problem I have is I have an excellent credit score and Capital One raise my APR to a high 27.24 %. I believe this is a discriminatory practice based on my race. My increase was based on my credit score and this high apr doesn't make since. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
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. (TN)

Complaint:
I sent a letter last XX/XX/XXXX to remove the following items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block these items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXXXXXX Balance : {$480.00}, XXXX XXXX Balance : {$150.00}, XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$760.00}, XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$5800.00}, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$760.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00}, 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 XXXX XXXX XXXX XXXX XXXX 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