hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2019-11-05
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: Trident Asset Management, L.L.C. (VA)

Complaint:
XXXX stated once account was satisfied, it will be removed from credit file. Account been satisfied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

Complaint:
As best I can tell I've made a dispute on all the credit services about the same debt. It comes back negative lender verified information. XXXX  file number XXXX Portfolio Recovery is the collection agency, I called them XX/XX/XXXX talked with XXXX XXXX and asked her politely about XXXX  now XXXX XXXX   {$2800.00} total owed on account. She described to me that sometime in XX/XX/XXXX the balance was {$1500.00}. I asked what document she was viewing because I stopped living at the location XX/XX/XXXX and moved to XXXX XXXX and was aware of any bill owed and indeed I did have a charge account for my business since XXXX for computers, printers etc. I closed the XXXX planners in XX/XX/XXXX. I was not using the account. I filed for SSA  XXXX  in XXXX and was awarded SSA XX/XX/XXXX it was further back-dated to XX/XX/XXXX. When I moved from XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX I suspended all mail. She XXXX XXXX explained several additional charges were made in XXXX and XX/XX/XXXX and XXXX respectively, I did Not live in the usa at the time. My wallet went missing and i lost a shell card andthe XXXX card as well as my XXXX debit card, i did not realize they were missing until i reached XXXX. I believe that charges were made to the XXXX account because the collector now states the new debt is {$2800.00}. How could it almost double in short time? accordingly I expect proof of debt they say I owe, rather I suspect subsequent charges to be validated as to when additional charges were made and what was indeed purchased

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
On XX/XX/2023, I sent letters to TransUnion, XXXX, and XXXX to correct errors currently on my credit reporting. I was advised they have looked into it, however, it's still showing on my credit reporting.

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 2015-09-02
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (SC)

Complaint:
My husband graduated during the recession, had to defer for a few years because the job he got for his career could not afford the payments Navient/XXXX XXXX was saying he needed to pay. Went to grad school and graduated in XXXX 2015 and had to start making payment on the undergrad student loans, first payment being XXXX 2015. Filled out paperwork that rep said we qualified for a program to lessen the amount we had to pay monthly from {$1200.00} to {$850.00}. Called to set it all up and they said the new amount would be {$900.00}. This is half of his annual salary and is no way we can afford that. They have not been returning phone calls or willing ot work with us and have a lesser monthly payment. We want to make these payments but they are causing a lot of financial hardship because they are not being flexible. We need help with the monthly payments and they wo n't ever help us or give us a rep that who knows what they are talking about and being very unforgiving even though we want to make payments that are affordable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
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. (NE)

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Complaint:
This is with respect to interest fees in the amount of XXXX XXXX  and XXXX XXXX XXXX ( {$8.00} ) incurred on my CapitalOne Savor card account on XX/XX/XXXX. I have contacted the business concerning these fees after multiple issues with being able to pay my credit card monthly due to issues with the institution 's mobile app and website. I called into the bank with complaints of technical issues on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and finally on XX/XX/XXXX. The bank admitted to its knowledge of such technicalities with its mobile app and payment processing functions, but refused to reverse the interest fees because it had done so previously. I have a longstanding relationship with this bank, and am shocked at its response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (TN)

Complaint:
I MADE A PAYMENT TO THE CC COMPANY AND THEY CREDITED TO MY ACCOUNT AS A PAYMENT LIKE NORMAL FOR THE AMOUNT OF {$4200.00} ON XX/XX/2021. THE PAYMENT DID NOT CLEAR MY BANK SO THEY CHARGED MY ACCOUNT BACK FOR THE PAYMENT ON XX/XX/2021 NOT ONCE BUT TWICE FOR THE {$4200.00}. THE FIRST CHARGE BACK I AM NOT DISPUTING- THE PAYMENT DID NOT CLEAR MY BANK BUT THEY CHARGED IT BACK TO MY CREDIT CARD AS A CHARGE ON XX/XX/2021 TWICE FOR {$4200.00}. I BEGAN CONTACTING THE COMPANY IN XXXX. AND HAVE CONTINUED TO CONTACT THEM SINCE WITH NO RESOLUTION. THEY DID SEND A REFUND CHECK FOR SOME REASON BUT THEN CHARGED MY ACCOUNT FOR THE AMOUNT OF THE REFUND CHECK WHICH RESOLVED NOTHING ..... 

I LABELED THE ORIGANAL PAYMENT AS 1 THE CORRECTED CHARGE AS 2 AND THE INCORRECT OVERCHARGE AS 3 ON THE ATTACHED STATEMENT.

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 2023-04-20
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. (LA)

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX, and XXXX XXXXXXXX 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.

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 2019-08-12
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: Navient Solutions, LLC. (NV)

Complaint:
I have a loan with DEPT OF ED/NAVIENT. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and DEPT OF ED/NAVIENT with no successful resolution. XXXX  and XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
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. (TX)

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (CA)

Complaint:
I am soliciting your assistance to put an end to Discover credit card 's illegal and unfair credit reporting practices as they are impacting me directly : There was an erroneous charge to my Discover credit card. My balance was {$0.00} at the time of the charge and I had no balance due. I was not made aware of the charged item until I received notice that My FICO had dropped nearly XXXX points as a result of a negative reporting from Discover. Because I had no balance due, as with most of my credit cards, I never stopped my busy life to review what should have been a {$0.00} balance monthly statement. 
Discover maintained they could not remove the late until the vendor acknowledged and corrected their mistake. 
Subsequently, the vendor acknowledged their mistake and reversed the charge. 
I followed up with Discover only then to be told by supervisor, ( insert name here ), they would reverse the late fee, but not the reported late payment to the Credit Bureaus that was destroying my credit. They maintained that the erroneous charge is not their fault, so they are not compelled to correct the record. 
Because of Discover 's purposed negligence and FALSE REPORTING, my current refinance is costing me thousands of dollars more. 
Please advise me on how to recoup my financial losses, current and projected, caused by Discover 's False Reporting. 
Please advise me on all of my legal remedies to force Discover to correct the record. 
Please advise me on all of my legal remedies to force the credit bureaus to remove the negative item from my reports without adding a dispute to my record even with Discover not currently following the law. 

Most appreciatively, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Merchants' Credit Guide Company (IL)

Complaint:
They have refused to fix or update my reports as I filed multiple disputes and have them the proper information. Not only did they not fix the error but they have allowed the reports to be updated. Their representative disconnected the call when I ask them to further investigate the errors.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
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: Synovus Bank (PA)

Complaint:
In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15usc 1981 Accounts 1 ) XXXX XXXX XXXX Account 2 ) XXXX XXXX XXXX XXXX Account 3 ) XXXX XXXX Account 4 ) XXXX Account XXXX ) XXXX XXXX XXXX  Account 6 ) FIRST PROGRESS CREDIT Has violated my right. 15 usc 1681 section 602 ) State I have a right to privacy. Section ) 604 Consumer reporting agency can not finish a account without my written instructions Also if you read 1681s-2 ( A ) 1 1681c. ( A ) ( 5 )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MN)

Complaint:
The following accounts and credit inquiries listed on my Experian, XXXX and XXXX XXXX credit report are fraudulent and unauthorized accounts and credit inquiries : XXXX   XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX  XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX XXXX. They accounts and credit inquiries are all fraudulent.

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 2023-03-07
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: SANTANDER HOLDINGS USA, INC. (MS)

Complaint:
XXXX XXXX  was not authorized to pull score. They have an internal score. 
They was several car dealerships loan company that had access to my credit when I've authorized 1

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
I believe XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are reporting inaccurately in Transunion. I do not recall having accounts with these companies. I don't think there is legal contract between these companies & myself. I would like you to provide me verifiable proof these accounts belong to me. I request a signed contract which will demonstrate a legal agreement. Please validate this information and provide me with copies of any documentation associated with this account which bears my signature. In the absence of any such documentation bearing my signature, please delete immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-20
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

Complaint:
XXXX XXXX XXXX XXXX has been contacted several times. The last time was XX/XX/2021. As the servicer of a loan with Bayview Loan Serving now Community Loan Servicing XXXX XXXX XXXX XXXX were notified that the property attached to the loan was sold and closed out on XX/XX/2021. XXXX XXXX XXXX continued to deduct {$300.00} from my business account which created a problem of taking my money for a mortgage that was closed out. XXXX XXXX XXXX suggested talking to Bayview. I did so on on two separate occasions XX/XX/2021 and again today XX/XX/2021. At XXXX & XXXX I have spoken with XXXX, XXXX XXXX, XXXX XXXX XXXX. At Bayview, I spoke with XXXX XXXX, asset manager. Maybe my like name confuses XXXX XXXX XXXX  in the communication since I am sent back & forth between the two entities. The resolution is simple. XXXX XXXX XXXX  accept the payoff from funds received at closing on XX/XX/2021, zero out the mortgage account and refund all {$300.00} payments plus {$35.00} bank fees after XX/XX/2021 from my business account. These actions have disrupted my life and business.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
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: EQUIFAX, INC. (CA)

Complaint:
I checked my personal credit report, which I acquired from your organization on XX/XX/2018 and I noticed an unauthorized inquiry had been made on XX/XX/2018. 
I contacted XXXX XXXX CC, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX XXXX XXXX XX/XX/18 ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc (FL)

Complaint:
This debt is not valid. Paypal and XXXX did not provide phone support for a sellers issue I had. I was on hold for hours on in during covid, delta and now omicron variants. When I tried to use the XXXX and cfpb several months ago to address this issue, they still did not remedy the situation. This is false debt that should of never went to collections. Additionally, lawsuits will be filed for paypal closing my account when I inquired early. This was premature to the fair debt collection practices act guidelines. They being paypal also seized cryptocurrency assets from me illegally and unlawfully. Currently other oversite federal agencies were also made aware of this. I plan on suing everyone involved for this. I will immediately serve your company as well in this countersuit if the negative credit reporting isnt stopped. Please give me back my crypo currency and obey the fair debt collection practices act going forward. Please send me an apology letter that removes the negative reporting. Please have paypal issue me a check for {$20000.00} usd to avoid a civil lawsuit regarding the held cryptocurrency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Navient Solutions, LLC. (MO)

Complaint:
Navient has taken immediate negative action against me because I filed a borrowers defense loan forgiveness request : 1. Before I filed a borrowers defense loan forgiveness request ( case # XXXX ), I had a forbearance in effect with a payment start date of XX/XX/XXXXper letter dated XX/XX/XXXX. 2. On XX/XX/XXXX, I filed a borrower 's defense loan forgiveness with Federal Student Aid : an office of the U.S. Department of Education 3. On XX/XX/XXXX, I received two letters from Navient dated the very same date of XX/XX/XXXX a. The first letter says, The U.S. Dept of Ed has notified us to process an administrative forbearance on your loans. b. The second letter said that there has been an adjustment of my forbearance and says, your forbearance period started XX/XX/XXXX and ends on XX/XX/XXXX. 4. Again, before I filed a borrowers defense loan forgiveness request, I had a forbearance in effect with a payment start date of XXXXper letter dated XX/XX/XXXX. 5. In sum and substance, after I filed a borrowers defense loan forgiveness request, Navient changed my loan repayment date to 4 months earlier than when it was scheduled to move from forbearance to repayment. To be clear, I had an existing forbearance before I filed for Borrowers Defense and that forbearance was scheduled to end with a XX/XX/XXXX repayment start date. 6. In addition, late fees have also been applied to my account. 7. Note that this is not the first time that US DEPT OF ED followed my loan forgiveness request with prompt negative actions. The first time I filed a loan forgiveness directly with Navient, two XXXX Police Department Squad cars came to my apartment to remove me based on a call that Navient placed to the police department ; at least six police officers came into my apartment geared up to forcefully remove me all because I made a loan forgiveness request based on XXXX and provided Navient with medical record ( To this day, I am traumatized by this event because a man in my area had a similar issue someone sent the police to his house to bring him to the XXXX ward and the police ended up XXXX the man ). When I contacted US DEPT OF ED about this matter, a representative by the name of XXXX XXXX who represented that he was with investigations threatened me with arrest and he called me a XXXX XXXX. XXXX XXXX also stated that he was with investigations, and if I did not pay my loans, the police would return to arrest me. I have kept this experience privately and have been suffering inside because of it, but I hope that you can help me. 8. For various legitimate reasons, I have requested documents from US DEPT OF ED so that I can verify and calculate the purported student loans but US DEPT OF ED has not provided the requested documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (GA)

Complaint:
I asked Wells Fargo why am I being charged all of the {$35.00} fees if the withdrawals from debtors isn't going through. They won't allow the overdrafts but still charge me the overdraft fees.

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