hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (MT)

Complaint:
Over last several weeks I have started to get phone calls from Navient over my student loans. They demand repayment they state that I have gotten information that has never came to me. 
Their customer service will tell me one thing then I find out week later when they call back up asking for money that what their customer service has told me has not gotten done. Then their story changes on the loan within two hours of me calling them back to get the dispute resolved. One day my loan is in forbarace for a year two weeks later phone calls come stating I owe them money again. 
Keep asking for transcripts of the calls and all call logs that their company has placed to me so that I can have them for records of customer service telling me one thing them doing the complete opposite of it.

If their customer service was a legit thing and provided me or had the abitity to play them so that disputes could be resolved but their company refuses to provide them with out a sopina from the court. I am now having to look at that to get this dispute done. For the last two years I have repeatly been lied to about information over my student loans. I have papers work stating I took a loan with sallie mae and never anything to do with navient. They say I was notified but I never revieced any information untilll their reps started harrassing me. 
Everytime I have tried to call them we talk I am escolated to another person then another happens every time the calls are done. After the third person the calls go nowhere I say I am geting call backs but they never come. I am told that things are taken care find out once the phone calls start a week later what the customer service has told me is false and nothing is done. towards my loan except for them lieing to me. Half the time I can't even get someone on the phone that knows enough english to even handle anything. 
I have been mislead harrassed lied to and shown some of the most unprofessional unethical I have ever had when dealing with any company. 
I am now having to currently work on getting a supena for the calls and transcripts. Aling with having to take legal action against them for what they have practiced in thier businsss

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
I called XXXX and told them it 's a lot of unauthorized inquiries on my credit and that I called some of them on my credit and the number disconnect and some of them do n't have i number the representative told me it 's nothing that they can do and I told them that the company on my credit report multiple time and the representative hang up the phone so I called back and told them the same thing and XXXX have my name wrong on my credit report and my address and I been calling them like 5 times a day to get this right

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 2017-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bridgecrest Acceptance Corporation (TX)

Complaint:
XXXX   XXXX   Bridgecrest received a certified payment from me in the amount of {$300.00} attached to the payment was a contract written and highlighted that stated : Accepting and applying this payment your company agree to remove ALL LATE PAYMENT REPORTED TO THE  XXXX  CREDIT REPORTING AGENCIES T  XXXX   XXXX   XXXX   XXXX   The payment was applied and accepted I also received and email confirmation thanking me for the payment as well. Since applying the payment under the term noted on the money order payment BridgeCrest has yet to honor the terms of applying the payment. I am requesting that ALL (  7  ) LATE PAYMENT REPORTING BE REMOVED FROM MY REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

Complaint:
Transunion and XXXX reporting XXXX XXXX XXXX credit Inquiry

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 2021-11-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CMRE Financial Services, Inc. (CA)

Complaint:
CMRE was notified by letter almost a dozen times to provide substantiation for an alleged debt by my attorney. They failed to do so, yet suddenly added negative information to my credit report. I have tried calling them to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
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: FORD MOTOR CREDIT CO. (NV)

Complaint:
I received a response from Ford Credit and I am not satisfied with the response from Ford Credit. Ford Credit denied my request to remove a 30 day past due on my credit report. I attempted to make a payment using my phone and I thought the payment went through to my knowledge but it didnt as I later found out. Ford Credits website has been down multiple times over the past couple years and I believe this was the source of the problem. When I finally found the error in nonpayment - I posted a payment that was I believe 31 days late and I paid the current bill. I recently changed my cell phone and Ford Credit was unable to reach me to notify my of the late payment. Ford Credit is purposely trying to keep this damaging information on my credit report when I was only 31 days past due.

Ford Credit is not being truthful when it states the customer has received two invoices to advise of the account 's need for payment. No late payment notices or invoices were sent to my current or previous address. I have never been 30 days past due on any of my previous payments to Ford Credit in the past 4 years nor have I been late on any bills for the past 10 years. It is disheartening to learn Ford Credit has such a hardline attitude towards the circumstances of my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
On XX/XX/2022 I filed a Consumer Financial Protection Bureau complaint ( complaint # XXXX ) against Transunion. The investigation was complete on XX/XX/2022 and the XXXX XXXX  account that was on my transunion report ended up being deleted, I recently checked my credit karma transunion profile and it says that my XXXX XXXX  account was closed on XX/XX/2022. How did the account go from being deleted from my consumer report on XX/XX/XXXX, then about XXXX weeks later it's reported as closed? this is inaccurate credit reporting and i request that transunion delete the account from my consumer report instead of having it reported as closed. I've attached proof below.

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 2023-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Complaint:
In accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights according to the law. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is INNACURATE.

Company response to consumer: In progress
Consumer complaint received 2023-06-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Complaint:
Portfolio Recovery submits and falsifies information regarding an out dated account each year. When challenged they will remove the account, wait about 6 months and renter the information as though it is a new account. 

They are pretending to be XXXX XXXX  a company who finance my XXXX car in XXXX. My car note was {$460.00} a month. 
My car has been paid in full for several years. 

The information for this account has been changed several times. It started with a purchase from XXXX which was sold to XXXX XXXX., who sold it to portfolio recovery when it was about to expire. Portfolio recovery falsified the date. Each time I dispute it, they remove it and return it as a new account with falsified dates. 
I received a line of credit from XXXX XXXX  in XXXX. I never used the card. They are using this information to make the charge look valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Complaint:
This account showed up on credit report was not there last week.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (NJ)

Complaint:
I send a validation of debt on XX/XX/XXXX and Midwest recovery got it on XX/XX/XXXX.they failed to respond to my validation of debt and there was no communication at all from they part, they are violating my rights on reporting accounts thats was not 100 % veritable, because they cant provide me with any documentation of this debt, they need to remove it as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
I am a victim of identify theft the accounts listed in this doc and the doc attached have been furnished without my consent or my authorization. This has been damaging to my reputation as a consumer and violation of my right to privacy 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 explanation
Consumer complaint received 2019-01-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied Collection Services, Inc. (Nevada) (FL)

Complaint:
I disputed the debts and received bills. This is not sufficient validation.

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 2023-08-24
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. (NV)

Complaint:
XX/XX/22 i sent a letter to equifax explaining that i wanted to have a investigation into some items i feel were not accurate. to this date they have yet to respond to my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12
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. (TX)

Complaint:
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 my account without written instructions. 


XXXX was called and failed to investigate my accounts on XX/XX/2022 due to they needed to verify my identity. Proof of my drivers license and proof of bill was sent with my dispute and prior to that dispute they still ignored my disputes. please have them investigate and remove. 
Experian Also failed to comply with the FCRA as well and did not respond to my dispute nor send me verifications of proof of accounts. 
XXXX has failed me as well all of these bureaus has violated my rights multiple times and I would like these accounts updated immediately as I have proof as well.

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 2019-02-03
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: Credit Karma, LLC (NY)

Complaint:
I just wanted to start building my credit. I applied for credit cards and I always get declined. Someone told me go on credit karma and to check my credit score. While Im looking on XXXX XXXX its abunch of hard inquiries and things I had no part of. Its things in my name and I had no idea. I dont own a home. I dont own a car. These things is stopping me from owning anything at this point an thats not right!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NJ)

Complaint:
Hi, I ordered some clothing from XXXX ( Comenity Bank ) and returned them when I lost my job from COVID. I never even opened the packaging. They have received everything back and that was confirmed with XXXX, but they are charging me {$78.00} + {$39.00} + XXXX in late fees and also finance charges. I explained to them and have all the correspondence with them whereas I ask them to remove the late charges as I lost my job and can not pay them. The first lady said when we received the last item ( which was backordered - I did tell them not to send to me ) we can go ahead and remove the late fees and finance charges however they are not willing to help me out and I find it crazy to pay late fees for items I retuned as soon as I got them. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (OR)

Complaint:
This is a follow-on to an existing complaint about ALLY BANK which I have already on file. On XX/XX/2020 I attempted to electronically withdraw a total of {$500.00} from my account which the bank had already sat upon for nearly two weeks after deposit and one week after clearance. These two deposits were less than the amount of supposedly cleared funds in the account and there were additional funds deposited and " on hold ''.

Ally Bank is flagging each of my check deposits from three different sources, including another actual Institution ( XXXX XXXX  XXXX by claiming to have " information that indicates the check may not be paid. '' Checks were issued from XXXX XXXX ; a business that I have received checks from numerous times with no problems ; and one of my own personal checking accounts which has more than adequate funds to cover the amount of check XXXX {$1000.00} XXXX. 
Both of my attempted electronic transactions were rejected by Ally Bank causing the recipient institution to place a freeze on my account at that institution, thereby causing me economic harm directly and indirectly. 
This practice of, in my opinion, unlawfully holding funds for an unreasonable time results in potentially millions of dollars accruing to ALLY BANK from interest payments that would otherwise be credited to the accounts of its customers, not to mention the fees and penalties that customers may have incurred due to their reliance upon the availability of their funds.

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 2023-04-27
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. (NV)

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; ( Original Creditor : XXXX ) XXXX Balance : {$1100.00}.

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 2018-03-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ACS Education Services (IL)

Complaint:
Back in 2009 I had a student loan that was issued before the federal aid was able to be applied. When the federal aid was applied, the loan was refunded back to Conduent but my federal student aid account still shows an outstanding balance for the original loan. When Ive spoken to their loan service rep, they said that the loan was refunded and that I dont owe anything and would send the corrected information to NLDS to reflect that I dont have a balance but they never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
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: Experian Information Solutions Inc. (TN)

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX, Amount {$390.00} ) violated my rights. 

15 U.S. Code 1681 states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2019-11-08
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. (FL)

Complaint:
I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I don't recognize this accounts. I never applied for it, I don't have any contracts or agreements with this companies.

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 2022-03-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (AK)

Complaint:
I have tried for several years to challenge a letter that Midland Credit XXXX has been sending for many years, claiming they I owe money to " XXXX XXXX  XXXX ''. 
I have never had an account with any such company, and have made repeated attempts ( see attached ) asking them to verify the debt and demonstrate what services I signed up for that generated this action. 

I have even challenged this thru XXXX, but the answer I always received is " verified ''. 
Midland Credit refuses to tell me what the bill is for, and what services generated this debt? 

I have also circled the bottom of the recent Midland Credit form, telling me that the bill is past the statute to limitations.

Company response to consumer: Closed with explanation