hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-07-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (WI)

Complaint:
My serviced is Nelnet. They have told me that my account is past due, when logging on to their system, it says that my account is not due until XX/XX/XXXX. They said my IBR recertification has expired, but I have filled out 4 this year and have even use the IRS retrieval tool. I have certified that I dont need to file a tax return because I dont have taxable income. Im on a {$0.00} IBR payment schedule. When logging in, it says on my account that I am still in this program. I have also certified on student aid.gov and it says on there that Im not due for recertification until XX/XX/XXXX and that if I sent in another, it would not be verified. It says that Im current on the Nelnet online account as well, but they have reported me 90 days late on nine accounts to all three credit bureaus. I also am applying for PSLF loan forgiveness and IDR forgiveness because almost all of my loans are over 20 years old, and I was in different plans while in the military. I had applied for loan consolidation, but no one had any guidance or answers on how to deal with my situation, so the company told me to hold off on consolidating so that my loans would show how old they are. Ive waited and kept communicating trying to figure out what I should do, I have sent several emails to XXXX, Nelnet, and student aid.gov looking for guidance on how to deal with the situation. I understand that everyone is overwhelmed with the new rules, but reporting me late, when on their website it says I dont even have a payment due until XXXX is life ruining. It has dropped my credit XXXX points during a crucial time in my life while trying to refinance my home loan. I need this fixed ASAP. Im not late on my loan, and my payment would have been {$0.00} regardless, and Im also waiting for an answer on forgiveness in which I should not have to pay during that time according to the forms. Also, the system has informed me several times that interest and payment forbearance had been extended to XXXX as well. Im so confused and upset that they could do this and destroy my credit that I have spent the last 7 years building in order to get back on my feet. I am sending in another IBR application today via email and fax, but by all accounts, Im not due for it, or past due. Please help rectify the situation, and get them to remove this off my credit report, before they cause me to lose my house because I wont be able to refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
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: Coinbase, Inc. (NC)

Complaint:
On XX/XX/2022 I had 4 fraudulent charges to my Coinbase Card in the amount of {$500.00} each all within 2 minutes from a XXXX XXXX that I have never heard of or interacted with. I contacted Coinbase Support by phone immediately to dispute the charges. I was told I would receive an email within 10 days from the chargeback team. I never received an email or follow up and it has now been over 70 days. I contacted support several times to follow up and was told to reply to an email from the chargeback team that I never received. I'm then told I will receive an email when the investigation is complete. I have received no email or correspondence in over 70 days. There is no way to check on disputed charges and support is not helpful with a resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

Complaint:
I moblie deposited a check from the NEW YORK STATE DEPARTMENT OF CORRECTIONS THE BALANCE OF {$530.00} and Citibank told me that the check was fraud. I deposited the check XX/XX/XXXX. And still havent received my money. They closed my account because they said the check was fake and it was fraudulently. I even had my payroll contact the bank. The bank been giving me a hard time and its now XX/XX/XXXX and I still havent received my money. And my account is closed and th bank told me I wont be getting it until they have a verification from where the check came from. Mind you payroll said on there end the check was cash by the bank so if it is why havent I received it and why was my account closed. Citibank is working with me or helping me they just dont care. Ive looked online at review and over XXXX people have this same problem and nothing has been solve. I just dont understand I need help, and I would like to have my money. I just dont understand how my check can be fake or fraudulently if its from the New York State department of corrections .

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 2023-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Complaint:
I did a balance transfer from a credit card of mine that had a lower interest rate, to pay off a balance on another card that had a much higher interest rate. The payment address, account number, and my name was used to send a check for the entire balance of {$8200.00} to pay off my high interest credit card. My payment due date was XX/XX/XXXX and the check was received on the XXXX, but stayed in a pending process and did not post to my account by the due date. I made the required payment on the XXXX so I would not have a late fee. I called them the evening of the XXXX around XXXX and spoke with XXXX. She put me on hold to look into the pending payment. She came back and asked me if the check was mailed in the envelope they provide with the statement and I said no. I also asked how is that relevant? The check clearly made it to the correct address and was pending in the correct account. I was told that it was on a 5 day business hold because it was a non confirming payment. I questioned that term. I also asked where it mentions they can hold a check for 5 business days. It is nowhere on my statement. I also read to her from my statement that a payment can be mailed to the address on the front of this statement with the payment coupon or your account information. This was done and it does not mention anything about a specific envelope. I was told the check would post by midnight on the XXXX and it would be dated effective the XXXX. I said it was a full payment to pay off my balance by the due date and I should not see any interest. I was assured I would it process for the XXXX. I was never notified of a hold. This is something that is required with bank deposits but not credit card payments? I was forced to make a payment on my own in order to keep my account current because of a held check.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
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: WELLS FARGO & COMPANY (TX)

Complaint:
My credit report was pulled without my consent

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 2023-01-14
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. (AE)

Complaint:
Unauthorized credit inquiry on my credit reports on XXXX XX/XX/ 2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$750.00}, {$12000.00}, {$3500.00}, {$2400.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$750.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 


-- AUTO LOAN OR LEASE 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
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: World Acceptance Corporation (GA)

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The WORLD FINANCE CORPORATIO account is reporting late, yet it is closed and the balance is XXXX as reported in my Credit Bureaus. Lets review this now. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

Complaint:
In accordance with the fair credit reporting act convergent XXXX  XXXX XXXX. Act # XXXX, has 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 a 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 2018-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AutoStar Finance, Inc - D/B/A Atlanta AutoStar (GA)

Complaint:
On XX/XX/XXXX my husband and I financed a car with Atlanta Auto Star. We searched for a car dealer that reports to all 3 credit bureaus and chose Atlanta Auto Star for their advertising statements that they report to all 3 credit bureaus. For 1 year and 2 months this company reported our on time payments/never late to all 3 credit bureaus. In XX/XX/XXXX they stopped reporting to any credit bureaus. We contacted the owner XXXX XXXX who advised us that for his business needs he has stopped reporting. We advised him that we only went through his company because he reported to all credit bureaus. We insisted that we were never notified in advance of a change to his business practices and reporting processes. He said there was nothing he can do. We feel like we were mislead with false and misleading business practices to get a loan with his company. This has now ruined our opportunity to purchase a home and has now stalled our credit report.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
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:
Never came to terms, Have no debt with this lender what so ever, Had i known the terms submitted by the lender, i Would have never Submitted a Credit application. 

XXXX XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXX XXXXXXXX, MN XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXX XXXX XXXXXXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX from XX/XX/XXXX Institution Information XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXXXXXX, TX XXXX ( XXXX ) XXXX XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXXXXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Consumer Portfolio Services, Inc. (CA)

Complaint:
On XX/XX/XXXX i purchased a used vehicle from XXXX XXXX XXXX XXXX XXXX XXXX in XXXX california for {$22000.00}. I put down {$2000.00} and financed the rest. I was financed by Consumer Portfolio Services Inc. in XXXX CA. The amount financed was {$22000.00} and the loan term was {$560.00} for 72 months. During the past 6 years I had the loan I deferred 4 payments due to financial issues. I haven't had any late or missed payment since XX/XX/XXXX. I have made a total of 72 payments, which were the loan terms, and yet when i go to my account it shows that my loan won't be paid off until XX/XX/XXXX and  I owe {$7200.00}! I have no idea why this loan isn't paid in full yet since my final payment stated in my original loan paperwork was to be XX/XX/XXXX. There's no way possible that I can still owe such a high amount after making all the payments on the loan. I have called several time to the lender to try and get an explanation and I never get a person, only voicemail. I leave a message and nobody ever calls back. I've also filed an online complaint through their website and have received nothing back from them. I don't feel that I owe anything more to them since i've made all the payments plus there's no way that the balance could still be so high. I also don't think it's legal for them to change the loan maturity date without my consent. To top it off, this car has been in the shop repeatedly since the first week I bought it to the tune of {$13000.00}! Currently it sits in my driveway and I can't even drive it. I need to get rid of this car but I can't because the loan amount never goes away! This company is a predatory lender and I want it to stop. I've fulfilled my end of the deal and then some, they need to deem this car paid in full and give me my title so I can finally get rid of this piece of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
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. (GA)

Complaint:
I have contacted XXXX several times over the last 5 five years advising them, I have been an victim of identity theft and several hard inquiries and items have appeared on my credit report that are unknown. I have submitted several disputes verbally, in writing and electronically. I recently sent them several documents proving my identity case. And XXXX has yet to update my account. I recently filed bankruptcy chapter XXXX due to unknown hard inquiries and items showing up on my credit report. And my chapter XXXX case discharged on XXXX XXXX, 2017. I would like to have my report corrected and updated.

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 2022-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Complaint:
XX/XX/2022 I purchased XXXX items at a store called I love XXXX XXXX XXXX XXXX XXXX XXXX Florida. The price tagged on the items totaled XXXX $ however my credit card was charged {$310.00}. The store cashier refused to refund my money or give me a receipt. I called the police to the store and I was told this was a civil matter and nothing they could do but they did give me a case XXXX XXXX XXXX XXXX. Per the officer this store preys on tourist and they are called frequently to the site. I disputed the charge with Bank of America who stated since I did not have a receipt they could not reverse the charge. Despite me submitted the police report, written affidavit, and copies of reviews online from numerous customer have been defrauded in the same way. From what I read according to the Consumer Protection Act Bank of America is supposed to protect me from this type of activity and reverse the charge. The store did not submit any information to Bank of America refuting my dispute.

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 2023-04-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Army and Air Force Exchange Service (AL)

Complaint:
I requested a goodwill forgiveness from AAFES/MILITARY STAR for late payments on my account, which was granted. I explained I had been medically retired and at 100 % XXXX and was trying to repair my credit after also being divorced. I was thrilled that my request was granted. It was after that request that my account that was paid in full had the status change after more than a year. Upon being granted the late payment forgiveness, my account status began being reported as charge off and in collections status. I am pleading that this status be changed from derogatory and removed from collections. I retired XX/XX/2020 and my remaining account balance was taken from my taxes before the account was reported as collections or charge off.

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 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (WA)

Complaint:
I have student loans from Navent. I am XXXX and only have XXXX income. I have been out of school for at least six+ years. I have attempted for YEARS to find help in any way to assist me with figuring out these loans. Everytime I have spoken with Navent they say they will send me information on program assistance or forgiveness for these loans and then they connect me with a recording that you have to agree to some kind of forbearance ... which honestly I do n't really know what that means for my loans but if I do n't agree they continue to keep coming at me for the loans with multipal calls per day from XXXX to about XXXX 7 days a week from all over the US. I have requested these so called assistance paperwork many many many ... times in these 6+ years and have yet to see any information for this. I only receive bills. I only went to school for about 3 quarters and my loans were under {$12000.00} well my latest principal is now {$24000.00} with a current payment due of {$1100.00}. I do not know how to actual figure this assistance out because I have just been told the same thing everytime ... they will send me paperwork and I need to do this forbearance each time. My income from XXXX is only about {$800.00} and that is before my Medicare premium. Please help me or let me know what I am suppose to do to actual resolve these problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AR)

Complaint:
15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( h ) Notice of discrepancy in address ( 1 ) In general If a person has requested a consumer report relating to a consumer from a consumer reporting agency described in section 1681a ( p ) of this title, the request includes an address for the consumer that substantially differs from the addresses in the file of the consumer, and the agency provides a consumer report in response to the request, the consumer reporting agency shall notify the requester of the existence of the discrepancy. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information I have been disputing via Experian online for 2 months now & inaccurate information if still being reported to my credit report! I have called in for the last few weeks trying talk to a live customer service representative and I havent had no such luck. Also, having been put on hold for long periods of time. If I do get to a live person they said they have to put us back in QUE!! Lastly, when I call back after a mistakenly called drop on their end I still get the automated system which cant update the accuracy of my 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 non-monetary relief
Consumer complaint received 2023-06-05
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. (FL)

Complaint:
This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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 immediately. 

XXXXXXXX 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 response to consumer: Closed with explanation