hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2018-07-18
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ocwen Financial Corporation (NY)

Complaint:
OLS is involved in unfair and deceptive consumer practices with regards to our loan servicing. OLS provides us with false or misleading information regarding the amount due on the original term of the loan. Refuses to provide us with the accurate amount in arrears. OLS botched up our loan modification by providing misleading, incomplete information in an attempt to collect more than what it is required to collect. OLS refuses to reinstate our loan even after we informed them that we were willing to pay the total sum in arrears, approximately {$10.00}, XXXX dollars, as per the original note and mortage after a referee had determined, in a previous law suit that a specific amount is now due and owing and a down payment in the amount of XXXX, XXXX dollars was paid to reduce that determined amount with a remaining balance of about {$10.00}, XXXX dollars.

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 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

Complaint:
( 103 true Identity theft ) XXXX  File XXXX XXXX  Report Confirmation:XXXX Experian Report Number:XXXX ACCOUNT NAME : XXXX XXXX Account # : XXXX ACCOUNT NAME : XXXX  Account # : XXXX ACCOUNT NAME : US DEPT ED ACCOUNT NUMBER XXXX ACCOUNT NAME : DPT ED/XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ( Original Creditor : 12 XXXX ) Account # : XXXX ACCOUNT NAME : XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX ACCOUNT NAME : XXXX XXXX ( Original Creditor : 08 XXXX XXXX XXXX   XXXX XXXX XXXX  ) Account # : XXXX ACCOUNT NAME : XXXX ( Original Creditor : 11 XXXX ) Account # : XXXX IVE BEEN TRYING TO REACH OUT TO XXXX  Experian XXXX  BUT THEY ONLY RIGHT ME BACK SAYING ITS VERIFIED PLEASE HELP ME THANK YOU!!

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 2023-03-20
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. (CA)

Complaint:
This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were 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 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 This Complaint will serve as a follow-up to my previous complaint

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 2021-10-28
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. (GA)

Complaint:
Reported errors for over 2yrs, using dispute process, came back " verified '' each time, agency failed to report only accurate information for over 2years and even allowed creditor to re-date payment history to appear as recent causing severe damage to my creditworthiness in the eyes of lenders.. i submitted multiple disputes ( over 10 ) to fix this and nothing happened, i asked for the accounts to be deleted but they simply updated some items and left the entries on my report..as of this date/ they are still not accurate * the credit bureaus are required to report only 100 % accurate information and they have violated FCRA and the creditor has supplied incorrect information for years and verified it as accurate each time it was disputed, everything from dates to balance to payment history has been different in each reporting to the bureaus but came back verified each time it was disputed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Complaint:
I contacted all the major credit reporting companies about the accounts listed below that is fraudulent accounts. I already sent them my police report and they still have refused to remove the accounts from my credit report. 




XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Secured loan Secured loan - Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$15.00} {$15.00} {$15.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$930.00} {$930.00} {$890.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$1000.00} {$1000.00} {$1000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$30.00} {$30.00} {$0.00} Payment Status : Late XXXX Days Late XXXX Days Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Fixed rate Date Last Active : XX/XX/XXXX XX/XX/XXXX - Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Type : Collection Collection Collection Account Type - Detail : Collection Collection Collection XXXX Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : - - - Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$1300.00} {$1300.00} {$1300.00} No. of Months ( terms ) : - - - High Credit : {$1300.00} {$1300.00} {$1300.00} Credit Limit : - - - Past Due : - - - Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Placed for collection - Subject has not satisfied debt. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - -

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 2020-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

Complaint:
I called Citi on XX/XX/2020 for my Premiere Card, considering to close it. The Rep persuaded me to switch to Reward Card, and I can transfer my approximate XXXX points to the new card. 

I told the Rep that I would to use the points to book a flight very soon, and I can use the 25 % extra travel bonus for purchasing the flight, I want to make sure that I do not lose it by transferring it. I emphasized it that I do not want to lose it, so the Rep put me on hold to double check it, coming back to reassure me that as long as I use it in 14 days, the 25 % travel bonus will still apply. With that promise to me, she switched it using the same credit card account number. 

On XX/XX/2020, I wanted to book the flight, I was surprised to find that I lost the 25 % travel bonus by switching it. I started calling/live chat Citi, every time I called them, I had to repeat the same story, and then being transferred here and there. I started faxing Citi letters and proofs. I told them that the phone conversation was recorded on XX/XX/20 ' ( XXXX XXXX  PST for 41 minutes ), the Rep misled me, I wanted Citi to fix it. 

I may lose more or all benefit with time restriction, and I need to book the flight now, I asked if they can call/email/fax me their responses, but they only sent me letters, which usually took a week. They would not even faxed me the letter before mailing out. 
Per their request, I had recently faxed them the Premiere Card 's Directory of Service to show the 25 % travel bonus and a statement with my name on it. I got the response today basically saying that nothing was wrong, if I still have the dispute, call them! 

So more than a month had passed, I still could not resolve the dispute. I started wondering if Citi wants to delay it until I lose all points? If I exceed the time restriction not using the points, I could forfeit all points. Citi never mentioned the recorded phone conversation in their response to me, even if I asked them to listen to it more than once ; so, the recording is only used it in their favor? when it is not, then just ignore it?

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 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (FL)

Complaint:
I cancelled This Equifax recurring Transaction ion XX/XX/2016 at XXXX XXXX and have the Email from Equifax To prove it and the continued charging me almost 4 years later till I called tonight and they cancelled it again.

I tried to get my money back and they refused.

I need help getting my money back to my Credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Complaint:
I am a member of XXXX XXXX and I received another alert for a fraudulent Capital One credit application. I am told it was denied because I had a fraud alert set and now have all my credit frozen on all 3 credit bureaus. I contacted Capital One, XXXX XXXX and XXXX as they were the reporting agency for this alert. 

I did not apply for this credit card! I do have an old Capital One account ( credit card ) that I never use anymore but they said there were no charges on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

Complaint:
ON XX/XX/2022 I SENT A LETTER REGARDING INACCURATE INFORMATION ON MY CREDIT REPORT TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE, I FEEL LIKE I AM BEING TAKING ADVANTAGE OF AND BEING IGNORE OF MY DISPUTES. SECTION 611 ( a ) IT PLAINLY STATED THAT A FAILURE TO INVESTIGATE THESE ITEMS WITH IN 30 DAYS GIVES A REASON TO IMMEDIATELY REMOVE THOSE ITEMS FROM MY CREDIT REPORT, IT HAS BEEN OVER 60 DAYS SO THEY SHOULD BE DELETED PROMPTLY. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSE ME. MY INFORMATION WAS ALSO IMPACTED BY THE XXXX XXXX BREACH AND MAY HAVE GOT INTO THE HANDS OF THE WRONG PERSON.

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 2022-10-02
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: LANIER COLLECTIONS AGENCY AND SERVICES INC (GA)

Complaint:
In accordance with the Fair Credit act LANIER COLLECTION AGENCY # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
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. (CA)

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
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. (NC)

Complaint:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXXXXXX XXXX XXXXXXXX, 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 non-monetary relief
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Complaint:
I have sent letters in XX/XX/XXXX-XX/XX/XXXXasking all credit bureaus to update my name and address and they have yet to do so.

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 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Renew Financial Holdings Inc (CA)

Complaint:
I applied for financing through XXXX and was denied for " Delinquent property taxes within last 3 years '' on my XXXX  XXXX consumer credit report. 

I checked my XXXX  credit report and there is no reference to delinquent property taxes because I've never been delinquent. 

I attempted to file a complaint via XXXX, however, there is no way to submit a complaint regarding Property Taxes. 

I believe the information provided to the lender was inaccurate and resulted in my denial to critically needed financing. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

Complaint:
Amount was paid in full in XX/XX/2020. A representative of the debtor concern acknowledged same. Collection agency has reported this incorrect information 5 different times, XXXX, XXXX, XXXX, XXXX, & XXXX to credit bureaus thus dropping my score with each submission

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 2019-08-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
XXXX XXXX 's computer system committed an error and cancelled the already established automatic payment to this vehicle account ; triggering two late payments one year apart. 

ever since the inception of the loan XXXX has failed to establish the automatic payment appropriately, making it an unreliable method to assure consistent and accurate payment to my auto loan. 

after i spoke to XXXX 's representatives at XXXX i was told that XXXX for some reason expired the established payment method after every 12 months thus causing the damage. they said they would fix the reporting and that has not happened. most recently the month of XXXX has not elapsed and am already again being reported late even after the payments have been made on time. proof attached. 

consequently, my credit reflects two late payments caused by XXXX XXXX 's error to maintain a reliable and accurate automatic payment method.

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 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Complaint:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX  ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX  ), XXXX XXXX XXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$3500.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2023-02-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Education, LLC dba Aidvantage (GA)

Complaint:
I submitted a competed reaffirmation form XX/XX/XXXX. I was told I would receive confirmation of my filling within 7 business days. I am beginning a Master 's program on XX/XX/XXXX, which is why this form was needed so that my Financial Aid could be released. Here we are, XX/XX/XXXX, after 4 calls and 4 surgery people including a supervisor, I still have not received the form, which means I'll have to push my start date for school back. I have no books and am in no way ready to begin in 6 days due to this hold up. I was promised the form today and still haven't received it after speaking with 2 additional people. I need help with this issue. This is very poor customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Weltman, Weinberg & Reis Co., L.P.A. (PA)

Complaint:
I have a complaint aga inst Weltman, Weinberg & Reis , Co, LPA a  debt collection firm. My husband had a judgement entered against him for a credit card debt owed to  XXXX  cards. On  XXXX / XXXX /   2017  a execution for attachment was ordered to collect on the debt. On  XXXX / XXXX / 17  a attachment/interrogatories was served to  XXXX   XXXX   XXXX   XXXX , where my husband an I own a joint account .At this time  XXXX   XXXX   XXXX   XXXX  froze our joint bank account ( at this time the law firm was contacted and offered to settle the debt but was denied ) On  XXXX / XXXX / 17  the Interrogatories was answered and returned with a Certificate  of Service and  is on file at the  XXXX   XXXX   Prothonotary 's  office. My complaint is this judgement is solely in my husbands name, and from my understanding under Pennsylvania law a joint bank account falls under the " tenancy by the entireties '' and because the judgement is not in both our names the account can not be frozen. I have contacted both  Weltman,   an d Weinberg & Reis , Co, LPA an d  XXXX   XXXX   XXXX   XXXX  on this matter. I waited to contact  Weltman and Weinberg & Reis , Co, LPA to gi ve them time to resolve the issue, however the account remains frozen. I contacted the law firm on  XXXX / XXXX / 17  and was told they were in contact with  XXXX  and the issue was being resolved, however, this was not the case, as I spoke with bank manage the same day. The law firm had also issued a attachment/interrogatories to  XXXX  other banks,  XXXX   XXXX  and  XXXX  bank, which neither of us have accounts with. On the same day  XXXX / XXXX / 17  the law firm did contact the  XXXX   XXXX  prohonotary 's office and had the attachment discontinued on the  XXXX   XXXX  account only. I have tried to make contact wi th Weltman and Weinberg & Reis but they will not return my call. Any help in this matter is appreciate d.

Company response to consumer: Closed with explanation