hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-04-29
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: JPMORGAN CHASE & CO. (NY)

Complaint:
This issue began in XX/XX/2020 with a credit card charge related to the purchase of what I thought was a set of cordless power tools online on XX/XX/2020. I had ordered 2 sets of tools with a total of XXXX. The tools were to be shipped within approximately 3 weeks. 

After about a month, I called the Chase customer service number on the back of my credit card to explain my situation, and explained the I never received the tools. I had also ordered an additional 3 sets of XXXX tools the next day that were advertised on a website I was on, and I never received those either. The total for that purchase came to {$290.00}. I called on those tools as well, and did receive credit from Chase for that transaction. At that time, I spoke with a customer service representative of Chase and she submitted a dispute claim and credited my card back and told me that Chase fraud department would investigate it and that I would receive a letter with their findings. 

A day or so after I disputed the transaction, I received a small package via US mail. I opened it up and it was nothing I had ordered, nor did I even know what it was. I kept the item and the shipping packaging with the information. A week or so later I got another small item, what appeared to be a card holder of some sort that you would stick to the back of a cell phone. I saved that packaging and item as well. I also took screen shots ( with my cell phone ) of the items I purchased and am including those photos along with photos of the two items ( and the packaging ) that was shipped - as proof that I did not get what I thought I purchased. 

I followed up in XX/XX/2020 related to the {$170.00} charge and was told that the time allowance of investigation had expired, and that Chase was closing the matter and would not be reimbursing me for the charge. 

My complaint is related to Chases lack of response or follow-up to my issue. I made countless phone calls, waiting on hold for extended periods of time, and followed up with an additional submission of documentation. I made all of the effort to resolve the matter and they never followed through, and then simply said that my time had expired on the complaint and they were closing the matter. I spent time and money ( approximately {$30.00} ) mailing ( by registered mail ) the documentation related to my issue. I did this not once, but twice. I put forth all of the effort and expense and they did not honor their commitment to me as a customer. 

The CFPB is my last form of action.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-02
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. (PA)

Complaint:
My name is XXXX XXXX an I'm submitting this complaint for myself an there is no third party involved. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this charge. I ask that the false charges be deleted to correct my credit profile. I reported the theft to the Federal Trade Commission and I also have enclsed copies of the Federal Trade Commission Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
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. (OH)

Complaint:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C XXXX XXXX XXXX account # 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 2022-07-13
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: Experian Information Solutions Inc. (FL)

Complaint:
By the provisions of the Fair Credit Reporting Act, I sent a complain today to request that the account XXXX XXXX {$0.00} which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. This account was paid as agreed and past due is XXXX but still reporting 30 days late.

The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 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 2018-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

Complaint:
Experian added a late payment to my account. This payment was late in XX/XX/2011. Every time I try to obtain information on my account I am being told I need to submit proof of who I am, which I have done multiple time. Why is it that the credit reporting agencies don't request proof before putting negative information on consumers ' reports, but the consumers need to provide a wealth of information and proof to have these information removed. I need this negative information removed from my credit report. 
Yet, this is the same companies that is selling consumer information, and don't have protection on their system with the massive data breeches.

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: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (KY)

Complaint:
I have several thousand dollars worth of student loans that I have been trying to pay for over six years now. Monthly, it can be hard to make my almost {$200.00} loan payment on top of my other expenses. Even though I am a hard-working woman that help support my family, I still find it hard to financially meet our needs especially with high payments like my student loans. When I tried to apply for an income-based payment plan, I was put on forbearance for four months, which I greatly appreciate it because I was not able to make my payment in this timeframe, But I was not told that this would negatively impact my credit score and that I would continue to collect interest on those loans. When my application finally went through, instead of my payments being lowered they increased over {$100.00}. Making my monthly payment almost {$400.00} a month. I called the customer service line to discuss my options and I was told that because I made too much money I did not qualify for a repayment plan, the only thing that this organization would do for me is to put me on forbearance. I am currently still on forbearance until I can file my XX/XX/2016 taxes showing that my husband and I are filing married but separate in order to be able to get My payments lower. This system makes sure that people that try to better themselves by getting an education are stuck with crippling debt for years to come, with no way of getting ahead.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
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. (CA)

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Experian is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX Balance {$270000.00}

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 explanation
Consumer complaint received 2022-01-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TX)

Complaint:
I believe I am entitled to the XXXX  under the new temporary waiver set forth by the current administration from XX/XX/2021. I have submitted XXXX  applications seven times in the past 4 months and provided employment verification. ( Payments to verify may be difficult as my loans have been sold or consolidated 3 times in that time frame ). I have been a victim of XXXX XXXX, XXXX, never dealt with who XXXX sold my loan to and now FedLoan for the direct loan consolidation. I have watched my loan balance grow instead of reduce ( $ XXXX to $ XXXX in 4 months from all of the transfers ). All I received from FedLoan is computer generated letters they received my application. But no one has done any review for 4 months. I send emails to ask about the status, and also receive no communication. I am currently on hold with them to ask a person and not a computer about the status. I have been on hold 15 minutes so far. I am attaching the applicaitons etc to show that this should not be so difficult to review. I want to know why I am still waiting for a result. How long is it going to take FedLoans to get it together and start processing the temporary waiver applications?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-20
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Complaint:
I just found out Bank of America pulled my credit report. I have not applied for credit, held an account, or had a balance owing with this company for the better part of a decade. 

I do not have a balance owing. 
I have not applied for any new accounts. 
I am opted out of promotional lists. 
I did not give my permission or authorization. 
I just pulled my credit report and found out that they ran my credit on XX/XX/2016.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
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. (NY)

Complaint:
Not my item

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 2018-04-24
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: CAVALRY INVESTMENTS, LLC (CA)

Complaint:
There is a hard inquiry on my XXXX  report from Cavalry Portfolio Serv XXXX XXXX XXXX XXXX, AZ. Date XX/XX/2016. I did not authorize anyone from this company to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

Complaint:
When I was coached to taking this loan from the school I had no idea what I was getting myself into. I have been unemployed for nealy two years and cant make the payments as it destroys my credit and gives me no shot at getting a XXXX job since they now check credit for employment..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Complaint:
XXXX  XXXX reported to me that XXXX XXXX Bank denied a loan that I did not apply for with XXXX XXXX Bank which I have never heard of. XXXX XXXX Bank is basing the denial on my Transunion Credit report which states the following : Number of balance increases for non-mortgage accounts over the last quarter I am paying down my credit cards and am current on all payments with 100 % payment history Percent of accounts switching from active to inactive status in the past 12 months I have no accounts that switched from active in inactive status Number of high credit increases for revolving accounts over the last quarter I have had no nor requested any credit increases at all Total amount overpaid on installment loans over the last year I have no existing installment loans

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (CA)

Complaint:
I had been working on cleaning up my insurance claims history file with Lexis Nexis, when I discovered it had a lot of wrong personal information. Three names ( not mine ) Multiple addresses ( not mine ). I have called 6 different times over the last 4 month and went line by line disputing misinformation, however each time the report was mailed it still had the same misinformation. The last two times I asked to have my California report deleted which apparently a consumer in California can do, but each time the report has not been deleted. I am at my wits end with this company. Also multiple times I have asked to speak with a supervisor only to have the customer service rep create a ticket for a supervisor call back ( they say within 24-48hours ), however a supervisor call has never been received. The last call to Lexis Nexis was on XXXX and I spoke with XXXX in reference to report & case # XXXX, # XXXX with consumer # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Complaint:
i : reported identity theft of my name and social security number to Police as well as to FTC, see attached. XXXX XXXX XXXX ( XXXX ) seems to have hired robo signers and others to forge my signature on a fabricated note and claimed that i : borrowed monies from it, when i : never did. i : demanded numerous times from XXXX XXXX XXXX to make the presentment of that promissory note that it claimed i : signed [ when i : never did ], while XXXX XXXX XXXX and its Agent ( s ) Principle ( s ) Co Parties claimed that XXXX has in its possession the promissory note that i : allegedly signed, but it never did present that to me. Through extortion and racketeering acts and coercion, i : was forced to sell my unique private property, the alleged servicer Select Portfolio Servicing stole my monies from the proceeds of the sale and is refusing to return my monies. In addition, later i : found out that after the close of escrow, XXXX XXXX XXXX and its co parties agent ( s ) principle ( s ) have sold my note to other entities, as of almost 1 year ago [ the date that i : researched it using ABSNET ], it shows that i : owe in excess of {$120000.00} to unknown entities even though XXXX XXXX XXXX/SPS has filed for release in county recorder due to their being paid in full [ which is really theft of my assets ]. So not only, they are not returning my monies at TILA section 1635 et. seq, indorsed by all three branches of the government to wit : by the president, the congress and the SCOTUS unanimous decision : XXXX v. Countrywide Home Loans Inc., XXXX XXXX XXXX XXXX XXXX Cir. XXXX XXXX cert. grantedXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX Docket No. XXXX SCOTUS Unanimous decision XXXX XXXX, XXXX, Author : XXXX XXXX XXXX, Reg. Z. by Federal Reserve, 12 CFR 226.15 ( d ), ( 1 ), ( 2 ) and ( 3 )  but also it seems that they have sold my note to other parties and claiming losses on those to obtain additional default insurance from various insurance companies while claiming that the alleged loan was paid in full when my home was sold, they recorded that closure in county recorder, on XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Services, Inc. (FL)

Complaint:
On XX/XX/20 after MONTHS of trying to reach National Credit Service ( NCS ) I was finally able to get someone on the phone to make payment arrangements. At this time they informed me that my account would be in delinquent status unless I pay the loan off in full for {$20000.00}. I am unable to do this so I started payment arrangements. I called again on XX/XX/20 to see if I could get proof of my payment plan including information on if my payments are going to interest or principal etc. I was informed that they could not tell me but could send out a paper showing my payment and they referred me to look at XXXX for information. I again asked if my payments could change the status of the account and was told that I would have to pay {$20000.00} to change the status of my loan. I was able to log onto XXXX and I can see that my balance is {$17000.00} to pay the loan in full. NCS is being deceptive to exhort additional funds from me against my remaining balance. This is obviously unfair collection practices and fraudulent actions on their part. The Department of Education gave my loan balance as {$13000.00} as of XX/XX/20 with NSC trying to collect a {$3000.00} fee and interest on top of that. NCS 's deceptive actions leave me no choice but to report them for this to be resolved. Their poor ethics, terrible customer service and unfair practices leave no room for anyone to pay down a loan. The payments that I am making are going ONLY to NCS fees and not even toward my loan balance. This needs resolved immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
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. (PA)

Complaint:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2017-08-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (LA)

Complaint:
I began repayment of a private co-signed student loan on XX/XX/XXXX in the original amount of {$16000.00}. As of today, XX/XX/XXXX, I have paid a total of {$21000.00} with {$8600.00} allocated to principal and {$12000.00} allocated to interest. However, {$13000.00} was added to my principal in the form of capitalized interest. My present balance on the loan is {$15000.00}.
{$470.00} is the only amount out of my {$21000.00} worth of payments that has been used to pay off my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Complaint:
In XX/XX/2018 my cousin XXXX XXXX added me to 3 of his credit cards as an Authorized User since he was having difficulties making his payments on his card, in trade he allowed me to use the card and by doing so it would add to my credit history since I don't have a vast history on my credit report. My other cousins were added to the card and their information is reporting. I called each of these companies and they stated that they sent the bureaus my information for it to report but I'd have to call the bureaus. When I called they acted confused and I needed this in writing so I can at least have an advocate on my behalf

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 2021-08-01
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. (SC)

Complaint:
It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over sixty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. 
I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely effects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!

Company response to consumer: Closed with explanation