hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-07-11
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PENTAGON FEDERAL CREDIT UNION (HI)

Complaint:
On XX/XX/XXXX, new $ XXXX HELOC with Pentagon Federal Credit Union, first lien on XXXX XXXX. HELOC rate 9.5 %, later refinanced with new 2 % first mortgage loan subject to full HELOC payoff with release. Gave PFCU written instructions to close and release HELOC. PFCUs payoff amount included {$28.00} fee to record lien release. On XX/XX/XXXX, On XX/XX/XXXX, new first mortgage loan close and loan proceeds paid out of escrow paid HELOC debt paid in full. Later learned the line was not closed, HELOC lien not released. Lawsuit pending in XXXX Hawaii between our first mortgage lender and PFCU ( Action ) over whose lien has priority. After closing, needed cash to save my other properties. Later learned PFCU line never closed. I drew funds as needed, made regular monthly payments. In XX/XX/XXXX, paid off $ XXXX balance in full. Eventually was unable to make payments. On XX/XX/XXXX, XXXX sent us its notice of the acceleration of our debt, but we was never sued. We were in contact with PFCU up to XX/XX/XXXX. Just learned on XX/XX/XXXX, PFCU filed a new claim in the Action against us on the credit line debt of {$200000.00} plus {$100000.00} in interest. We have not been served with PFCU 's debt collection claim filed in the Action. We received no prior notice we were being sued and that we can dispute the debt. It has been 13 years since PFCU accelerated the debt. PFCU is trying to collect a time barred debt. We are very stressed.

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 2018-03-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (FL)

Complaint:
I noticed a collections account when checking my credit report. The company is Diversified Consultants, Inc ( DCI ), found here : https : //www.dcicollect.com, ( XXXX ) XXXX-XXXX I have contacted the DCI, provided my correct contact information and requested a bill. DCI had an address on file that I have not used in about 8years, and was not the one found on any credit report. The company reports negatively monthly to the credit bureaus. I have made multiple attempts to contact DCI via the telephone number associated listed. During one phone call during normal business hours there was no one able to provide any information regarding my account. DCI has failed to attempt any means of communication since I contacted them the beginning of XX/XX/2018. I personally believe that DCI 's practices are unethical. Attached is the closest thing to communication from DCI ... A screenshot from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-11
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. (MD)

Complaint:
As I was getting ready to apply for a student loan with XXXX XXXX, I glanced over my credit report to observe my consumer report, I noticed a few fraudulent and inaccurate accounts that are reporting to my name that should be removed off my consumer report. I am absolutely terrified that someone out there has my information and has been using it. This has been making my life absolutely XXXX. I am unable to get access to certain things out there because the fraudulent information is destroying my credit. Please help me, this is extremely scary and uncomfortable situation.

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 2023-02-11
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. (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 XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX ; XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
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. (OH)

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX Balance : {$210.00} ( Original Creditor : ) XXXX Balance : {$520.00} XXXX  XXXX Balance : {$600.00} XXXX XXXXXXXX/XXXX/2022 XXXX XXXX XXXX/XXXX/2022

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 2018-12-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc. (CO)

Complaint:
I am being charged for a medical bill that i had medicaid for. I have a collection on my report that should have been paid for by medicaid. I have attempted to get the collection deleted from my credit report but had no success and the company in question will not help either.

Company public response: Company disputes the facts presented in the complaint
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. (NJ)

Complaint:
I noticed in XX/XX/2023 that there was an insurance account and a mobile account in collections on my credit report that have impacted my score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc. (IL)

Complaint:
Dear XXXX, XXXX and XXXX I have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX Amount : {$470.00} Party Owed : XXXX XXXX Amount : {$550.00} Party Owed : XXXX Owed : {$190.00} Party Owed : XXXX XXXX XXXX XXXX Amount Owed:XXXX I am disputing this claim due to : I had know knowledge to this account nor did I give permission for anyone to use my information This is my official request to have the aforementioned item to be deleted off my credit report .Enclosed may be additional information evvidence to support my claim

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
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. (FL)

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX, XXXX  Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX Account number XXXX, 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 non-monetary relief
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Complaint:
They changed my current address to an address that was my previous address over 10 years ago and refuse to fix it. I have uploaded and submitted my drivers license and mortgage document as proof but nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Complaint:
An unknown person opened a checking account on-line using my information. The account was opened at Bank of America. I live over 60 miles away from their nearest branch. I have never had an account with them. The unknown person hacked into my savings at XXXX XXXX  and transferred {$2800.00} on XX/XX/2022. I called Bank of America to report this. After being transferred 4 times I finally spoke to an agent who said the account would be shut down. I closed my savings account and opened a new one after XXXX XXXX  returned my money due to this being fraud. I thought this was taken care of until I received another statement from Bank of America showing me in the negative {$280.00}. I called them again just to be informed that it was automatically re-opened because a few cents was deposited into that fraudulent checking account. After the deposit when in the unknown person did a transfer out of this fraudulent account putting it once again in the negative. That account should of been flagged and permanently closed. Which is what my bank informed me. So someone did not due their due diligence and my credit is now suffering because of this. I need this account that I did not open, authorize and reported fraudulent, closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-19
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. (TN)

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

Transunion Name : Employer : XXXX XXXXXXXX, TN Addresses : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX, TN XXXX Inquiry : XXXX XXXX XX/XX/XXXX Collection : XXXX - XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX, TN XXXX Employer : XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Collections : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

Complaint:
I opened a checking account from US Bank ( XXXX XXXX XXXX XXXX branch ) on XX/XX/2020. The banker is XXXX XXXX. According to their offer, I should earn {$300.00} bonus when I complete two or more recurring direct deposits that total a minimum of {$2000.00}, plus enroll in e-statements. I made two direct deposits, one is {$1000.00} on XX/XX/XXXX, another one is {$1000.00} on XX/XX/XXXX. Until now, almost half a year, I still didn't receive the bonus. 

I contacted the staff in that branch for more than 5 times, and every time they said they will investigate it and let me wait. But every time there is no response.

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 2017-10-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

Complaint:
Have made several additional payments to the subsidized loan amount and submitted funds according to American Education Services requirements along with a letter stating specifically the amount to be applied to the subsidized loan. Twice now, they have split the amount between the subsidized and subsidized amount and it has taken 2 months to dixe the problem. Now they have done it again, even though I sent them a form letter from their website stating where I wanted the extra funds to be applied. I feel this is predatory practice and I am unable to find any solution to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
XXXX XXXX XXXX  In XXXX XXXX XXXX I notified customer service that I'd been directly impacted by Hurricane Irma and both my county of residence ( XXXX ) and employment ( XXXX ) had been federally declared National Disaster Zones. XXXX XXXX XXXX offered an assistance program to place my account in forbearance between XX/XX/2017 - XX/XX/2017 during which time payments would not need to be made, interest wouldn't accrue, late payments wouldn't be assessed and negative credit reporting would not occur. 

When billing reoccurred I disputed amount owed because it contained late fees and accused interest for forbearance period. I have disputed this reporting with XXXX XXXX, XXXX, Transition, and XXXX to no avail. This time period should not report as late, past due, or negatively impact me.

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 2022-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (TX)

Complaint:
unlawfully garnished the accounts Financial institution for processing illegal, out-of-state garnishment orders against its my bank account. Financial institution unlawfully froze my account, garnished funds, and sent payments to fake creditors based on out-of-state garnishment fake court order. Its a fake order because it was not a judge or real court meaning being recognized by the state constitution. There is not proof that a real court order exist, a real judgement and writ of execution to collect a debt does not exist. All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. Also the program that claimed to be creditors are not listed as debt collectors and not registered with the Secretary of State of Florida to do business or to be able to collect a debt. They did not credit me anything, they have not validated any debt or given any consideration to I. XXXX will not allow a statue to be used as a cloak for fraud. 

Unlawful garnishment that has injured me and caused involuntary servitude. Financial institutions cooperation with corsairs ( con-artists ) at the expense of me. Also if debt can only be paid with gold and silver according to the article 1 section 10 of the u.s. constitution why did that take currency from my account. 

garnishments that are usually designed to make sure people have money left to live on following garnishment. Financial institution left my account balance was left to zero balance. 

I do not ingress in florida where the fake order was established.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

Complaint:
This complaint is about a {$150.00} statement credit stated in the promotional terms and was also confirmed by sears cardmember services in a letter that it will post to my account on XX/XX/17. But as of today that credit still hasn't posted.

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 2023-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Indie Technology DBA Found (TX)

Complaint:
On XX/XX/ I made XXXX debit transactions and accessed my Found Banking app to check my balance. My account was then frozen for unusual activity. The debit charges were for {$43.00} and {$10.00}. I have routinely used this account in this manner. 

The application wants me to verify my identity and I can not get the app to work with my device. 

This is my business account and I do not have access to my funds despite sending the requested documents as attachments to the representative via email. 

It takes hours to days to get a response and they had no one to assist me over the weekend. At this time they are refusing me access to my account thus freezing the commerce of my small business. 

I can forward the email thread at your direction to give you a clear understanding of the conversation, dates and times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA (WI)

Complaint:
On XX/XX/2022, I was browsing XXXX XXXX  and was shown and advertisement for Apple Card by Goldman Sachs. The promotion was for a {$75.00} welcome bonus. I clicked the " Apply Now '' button, went through the application process, and was approved. On XX/XX/XXXX, I chatted with a Apple/Goldman Sachs specialist who confirmed that I met the terms of the promotion and stated that I should receive it within 30 days of meeting the promotion terms. It has now been 45 days since meeting the terms and I still have not received the {$75.00} welcome bonus. Other customers online have reported receiving the welcome bonus within 24 hours of meeting the terms.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-17
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. (TX)

Complaint:
These accounts do not belong to me, information is incorrect.

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 2019-09-28
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FC HoldCo LLC (LA)

Complaint:
I have an auto loan with XXXX XXXX XXXX.My payments are not behind. When I made the last payment there was no late charges shown on my account. I got my XXXX Statement and the was a late charge of $ XXXX.Surprised today to see that they included the XX/XX/XXXX payment with the current payment for XX/XX/XXXX together. This is illegal to do since XXXX is not here. Then they locked my account and I was unable to do the correct payment on line. 
I need assistance with this company since they are unfair with their credit practices. 

The correct AMOUNT DUE FOR THE MONTH OF XXXX IS {$700.00} SINCE XXXX WAS PAID. 

THE XX/XX/XXXX STATEMENT HAS NOT BEEN DONE!

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 2021-07-15
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: EQUIFAX, INC. (CA)

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation