hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: SYNCHRONY FINANCIAL (MI)

Complaint:
These inquiries are made by companies with whom you have applied for a loan or credit in the past XXXX years. Learn More XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SYNCB/PAYPAL XX/XX/XXXX SYNCB XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX SYNCB/XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX All of these inquiries are on my credit report, and I NEVER made any of them. 
I have no acknowledge of these items. I did do a credit freeze and experian did remove them. 

I ONLY opened : XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. 

I have no idea what the rest is, this is fraud and i would like this removed off of my credit 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 2022-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP (IL)

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be 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 2021-08-04
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nelnet, Inc. (TX)

Complaint:
I, consumer and natural person, have never went into a consumer transaction with Nelnet. 15 USC 1692 refers to individual privacy. My contract grants an " ORIGINAL CREDITOR '' permission to have my information, it does not give a third-party debt collector permission to contact me. No one is allowed to have or purchase my information without my consent. This is an infringement upon my consumer 's right to privacy. 

Also, 15 USC 1692e refers to false or misleading representations. Nelnet has used false representation of a. the character, amount, or legal status of any debt, and b. any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. Also, the debt being in the positive balance is false representation of the amount of the debt. If it is a debt ad it its owed, it should be shown in the negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (NJ)

Complaint:
I am a XXXX XXXX, who is going through financial hardships, The amount reported to collection is {$1700.00}, as it was opened XX/XX/2022. I have reached out to the company to resolve the situation but we could not reach a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
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:
The Texas Debt Collection Act. In Texas, debt collectors only have four years to collect on debt the statute of limitations on debt in Texas, the clock starts ticking when you fail to make a payment to the original creditor. Texas civil practice and remedies code 16.004 I received a letter on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX stating that I they have an account of mine in collections from an account opened under the name of XXXX XXXX XXXX back in XXXX, and after reviewing my credit indeed it was showing as showing on my collections tab. 

Any ways, in the letter it stated : in addition weve concluded that we are not currently reporting your account to the credit reporting agencies. But, in my credit report it shows that payments have been missing on negative status affecting my credit since XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Is this is some type of XXXX that they are using? ( See attached documents ). 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA. XXXX ( Also, this debt collector company shows on all three of my credit bureaus with different addresses ) Please remove this from my account immediately, from all three of the credit bureaus. 

Thank you, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

Complaint:
There are 3 months reported late. I paid in time every month.

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 2018-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

Complaint:
Equifax and XXXX never allow me to get reports online. They ask questions online to verify my identity that have no relation to me. I have tried to get reports mailed to me to dispute but have been in vane.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
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. (GA)

Complaint:
This is my 7th endeavor that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX LA XXXX, LA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/202XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX Balance : {$130.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$52.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$76.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (OH)

Complaint:
I have already opened an inquiry with Comnety bank about fraudulent hard inquiries, however now there is a {$450.00} limit express credit card on my account that I do not have any knowledge of. I need that account closed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (WI)

Complaint:
I have multiple loans through Sallie Mae which I was told could be consolidated when I was ready to repay them, I was later told that was impossible when it was being demanded of me to pay XXXX XXXX dollars a month. I was unable to finish my degree at XXXX XXXX university due to being unable to pay my tuition any longer. I transferred to a XXXX  college and continued to pay for school myself while working full-time and paying for all my living expenses on my own. I tried to make arrangements with Sallie Mae/Navient to pay my loans or defer them while I was in school. Needless to say I received numerous calls all hours of day, night, weekends, and even at my place of employment. I even contacted a lawyer to see if I could file harassment charges however I could not afford to do it. I was on the verge of tears every day. Here I am ten years later in more debt than you can imagine, still in school paying for it on my own, my loan is now defaulted due to Navient 's lack of willingness to work with me and my credit is forever ruined. I have written letters to everyone I could possibly think of for some kind of help, empathy, or compassion without any response. I am at my wit 's end and there is no way I can even imagine a way to pay my loans when they will not even consider lowering my payments. I was lied to the day I took out my loans and I am still being lied to now by this disgusting excuse of a company who prey on young adults trying to get ahead in life, all we end up with is debt and broken dreams.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NJ)

Complaint:
collections account from XXXX XXXX XXXX on XX/XX/2022 with account number XXXX {$2600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-30
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

Complaint:
I sent out a letter to the credit bureau to remove incorrect information on my report on XX/XX/2020 and have yet to get any sort of response. It has been well over 60 days and I know this is in complete violation of the FCRA guidelines, even with the new regulations. Please help in resolving these ongoing issues!

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 2021-12-16
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Complaint:
I have not applied for no capital one anything, these are fraudulent inquries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
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. (NJ)

Complaint:
I opened a Chase credit card in XX/XX/XXXX, for the benefit of a 6 month XXXX interest period for repayment. I used the electronic card for online shopping at Amazon, and never used the card for any other transactions outside of those Amazon purchases. I never received the card, and did not realize I did not receive it, until i was contacted by Chase on XX/XX/XXXX. 
I was contacted by Chase on XX/XX/XXXX when they noticed suspicious activity on my card. I received the following text message : " Chase Fraud : We declined {$93.00} with card ending XXXX at XXXX  XXXX XXXX Was this you? Reply YES or NO. If yes, you will not be charged unless you try again. If no, we will close your current card and send you a new one. '' I replied NO and received a call shortly after. The representative told me they sent the text due to suspecting fraud. She told me the liquor store charge was declined, and a woman called Chase, pretending to be me, to try to get the transaction authorized. The representative told me the woman was able to answer some identifying questions but that it was all information that was available online. She stated she remained suspicious when the woman reported that my cell number on file was a landline. I checked my wallet and unopened mail and realized I never received the card. I informed the rep of this, and assured that I had never swiped the card, had only ever used it in my electronic Amazon XXXX, and had never authorized anyone to use the card. 
On around XX/XX/XXXX I received a letter with the results of my dispute. I misread the letter, thought it was resolved in my favor, and threw out the letter. 
On around XX/XX/XXXX I received my statement and realized the charges were not reversed. I contacted Chase and reopened my fraud investigation. When asked, the representative I spoke with informed me the claim was denied because the card was swiped. The representative acknowledged that this was not a good reason to deny a claim since I never received the card. The fraudulent charges total more than {$2000.00}. Charges were made in cities that I have not been at all over the past several years. They were made every day of the week, an hour or more from my home and two hours or more from my workplace. I informed the representative that it was impossible for me to be at the places the charges were made. 
On around this same date I filed a police report with my local PD to document the theft. On the same date, I froze my Chase card. 
On XX/XX/XXXX I logged in to my account to unfreeze my card and saw the full balance remained, and I had a letter in my inbox that the claim was again denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

Complaint:
For the last two months I have been trying to access my life savings which is with Citi Bank. The refuse to help me and tell me my account is inactive and to send in a notarized form to request my account be re-activated. I sent a certified letter tracking # XXXX via USPS. I confirmed with Citibank that they received the request and my account was active. I attempted several times to initiate a transaction via ATM debit and online transfer. When I call the customer service line I receive conflicting information from every agent I speak to. At this point I want to close my account and want my money back. Citi is holding {$280000.00} of my life savings hostage and won't provide a digital means of reinstating my account. Citi does not have any branches locally in XXXX or XXXX Texas. When I call the toll free line they send me to an offshore call center and the customer service is way below standard of a bank of this size. Please help me I'm desperate to get my money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. ()

Complaint:
I was a client of BBVA bank, which was purchased by PNC bank. I received a letter from PNC stating that as from the date of the takeover, I would be able to access my account on PNC using the same user name and login I used to have for BBVA, but this is absolutely not true. I called the number indicated by PNC and the person told me the only way I could get a new pin to access my account was to send a letter to the bank in XXXX and wait for a new letter with a pin. Sent the letter, never got a response. Then I received an email from a so called " Case Manager Retail Support '' asking me to get in touch. I called several times, replied the email with my contact info and never got a call back. I am still unable to access my bank account and I have mortgage payments being debited in such account, I need to have access urgently. The bank renders a lousy service and simply ignores the clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

Complaint:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dyck-O'Neal, Inc. (PA)

Complaint:
I've tried several attempts to resolve this matter with the company listed below. After several attempts I have been forced to file a police report and also seek legal advice against the account listed. 

DYCK O'NEAL, In addition please find attached a copy of the police report and DC number that was provided to me when report was filed. In addition I would like these accounts to be removed from my credit report. As I have asked before. These accounts are part of fraud and should be removed from my credit report immediately. Per Federal Guidelines in 603B letter when ever there is fraud on your credit report is shall be removed with in 4 business day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Complaint:
I've paid my capital one car loan on time for the months of XXXX XX/XX/2020 but im my credit report it shows up as a late payment I have Documentation that it was paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
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. (NY)

Complaint:
I disputed an account, XXXX, that was the product of identity theft. The company removed it but then added it back through Equifax despite knowing it was a fraudulent account. I would like it removed. The FTC Report Number is XXXX.

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: 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. (TX)

Complaint:
I appreciate your time to correct some of the misleading information previously reported on my credit file. Right now, I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the remaining accounts need proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of the accounts listed below : XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX Balance Owed 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 explanation
Consumer complaint received 2018-09-20
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bryant Bryant & Associates LLC (MO)

Complaint:
I and people I know were approached by a " investigating officer '' pretending to be XXXX XXXX from Bryant & Bryant & Associates pretending to represent XXXX XXXX XXXX with fake case number and claimed to need to make payment arrangements under penalty of Law. After setting up 75 biweekly payment got a call from a family member that it was a scam. I went to My representative at local XXXX XXXX XXXX location who verified it was a scam and cancel my debit card immediately. the scammer phone XXXX registered from XXXX Tx.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: OLD NATIONAL BANCORP (CO)

Complaint:
On XXXX I notified First Midwest Bank, now Old National Bank that my Mother passed away. I spoke with XXXX a banker she advised that I needed to send a copy of death certificate, copies of the XXXX ID and a noterized letter that I wanted to close the accounts. This info was sent certified. Two weeks later XXXX called me and said that the bank XXXX said that I would have to travel to XXXX in order to even close the account. This whole problem has now taken 4 months. This should be illegal and I believe it is. Beware of this bank location in XXXX IL.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Complaint:
Fraudulent inquiries and inaccurate account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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: EQUIFAX, INC. (PA)

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation