hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-01-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: D&A Services, LLC (NY)

Complaint:
D & A Services trying to summons money for a debt that was paid. I paid XXXX XXXX XXXX dollars for XXXX XXXX. XXXX XXXX has not updated their records. This debt was paid over two years ago. I tried to call D & A Services today and was hung up on after I explained the above .This company is offering a settlement of XXXX of XXXX. This is fraudulent because I paid the bill

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
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: Experian Information Solutions Inc. (FL)

Complaint:
Ive tried to dispute certain things with Experian that they are unwilling to take off. They give me difficulty disputing items, Im unable to submit online disputes and I cant dispute items over the phone because they verified them. All they did was call the companies directly rather than verify through their 3rd party data suppliers. Ive tried to dispute XXXX XXXX XXXXXXXX multiple times. XXXX and XXXX have already deleted this. Ive already told Experian how the IRS confirmed my identity has been stolen. They told me to provide FTC forms and I provided ftc forms. Since its already been disputed, they dont let me dispute it anymore. XXXX XXXX and XXXX consumer late payments were taken off of my XXXX and XXXX credit reports. For some reason, Experian has been reluctant to take this off. I have a collections account from XXXX XXXX XXXX for an att. This has been reinserted into my credit report so many times I cant even count. I would like this att bill to never show up again. Late payment for XXXX XXXX bank should also be erased. I just received a correspondence about how I have several on time payments with them. Ive also already disputed with the account directly.

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 2023-05-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (AZ)

Complaint:
I recently submitted complaint XXXX and this is also in reference to that s it is causing further issue in banking for me as a result Citibanks negligence and inability to document properly. 

XXXXXXXX XXXX cshed the check in the former complaint, which was I haad Tuesday afternoon after Citibank as supposed to have issued it to me on Tuesday to my account and they lost my deposit due to some software glitch. They didnt know if they would be able to restore it, And suggested I deposit it again! Knowing how slow they are and the other issues - I told them I would take it somewhere and cash it. Now Citi has flagged my UNEMPLOYMENT CHECK THAT I RECEIEVED FROM THE GOVERNMENT AS FRAUDULENT WHEN THEY LST THE DEPOSIT IN THE FIRST PLACE and XXXX Monday has suspended transactions with me as a result. Maybe this is what they think is fraud, but I think its a matter of Citibank screwed up and all of their staff is out of the country for some reason, and they also seem to have difficult time with docuementing the account. If I can prove all the phone calls to them just in that week alone, Im sure you can Imagine I wasnt just calling to sy hi.

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 2020-05-06
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. (FL)

Complaint:
I HAVE HAD THE TIME TO REVIEW MY CREDIT REPORT AND I HAVE FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT IS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND IS NOT RELATED TO ANY TRANSACTIONS THAT I HAVE EVER MADE. I HAVE ABSOLUTELY NO IDEA AS TO HOW AND WHEN THESE TRANSACTIONS TOOK PLACE AND WHEN THEY WERE PLACED ON MY CREDIT FILE. IT IS WITHOUT A DOUBT THAT MY PERSONAL INFORMATION GOT IN THE HANDS OF THE WRONG PERSON AND THAT PERSON WAS ABLE TO OBTAIN THESE ACCOUNTS USING MY IDENTITY BECAUSE THEY HAD MY INFORMATION. THIS SITUATION IS BEYOND ME AND IT IS CAUSING ME A GREAT DEED OF STRESS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE DEROGATORY ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
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: EQUIFAX, INC. (GA)

Complaint:
I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$7200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
I have written letters to XXXX, TransUnion & XXXX  about inaccurate information reporting on my personal credit report. I understand that under the 602 [ 15 U.S.C. 1681 ] it's against my rights to have inaccurate information on my credit report. I'm trying to buy a new home for my family but am unable to do so because of inaccurate information on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
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: EQUIFAX, INC. (NC)

Complaint:
XXXX And Equifax are reporting a fraudulent account on my credit report which makes my utilization very high. Below is the fraudulent account XXXX XXXX XXXX XXXX : {$50000.00} XXXX XXXX XXXX : {$50000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
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. (VA)

Complaint:
Since XX/XX/XXXX XXXX XXXX XXXX ( Mortgage owned by XXXX XXXX XXXX  ) stopped reporting the status of my payments, which were made on time. By failing to report the status of my recent payments, it lowers my credit score preventing me from re-financing. I have filed complaints with both XXXX, and then the credit bureaus. XXXX  closed the complaint without changing the status of payments since XX/XX/XXXX. The payments should be reported as on time, since XXXX failed to report the status to XXXX. In XX/XX/XXXX, XXXX  XXXX XXXX stopped using XXXX XXXX   XXXX  to manage mortgages, and it is now with XXXX XXXX. I would like XXXX  to change the status of the payments from XX/XX/XXXX to XX/XX/XXXX as on time or current instead of " not reported ''.

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 2020-10-15
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: Experian Information Solutions Inc. (IL)

Complaint:
XXXX  XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX, XXXX.is fraudulent on my credit Account # 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 2022-08-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Oliver Adjustment Co. (IL)

Complaint:
I received several letters in the mail inquiring on medical debt owed. There was not enough information on the statements verifying that these were accurate. Attached are the reference numbers and amounts owed with dates. I started a new job on XX/XX/XXXX and there was a lapse in my insurance. I found out I was XXXX  and got several XXXXXXXX XXXX done, but those were paid. I had to get emergency XXXX on XX/XX/XXXX and I believe the {$510.00} bill is part of that but I am set up with an automatic debit of {$44.00} for that. I also have a {$7000.00} bill through XXXX XXXX for the remaining costs of the XXXX and am set up with an automated debit of $ XXXX. 
. 
Reference XXXX XXXX XXXX XX/XX/XXXX {$190.00} ( I was fully covered under my insurance through XXXX in XX/XX/XXXX ). 
Reference XXXX XXXX XXXX XXXX XX/XX/XXXX {$56.00} ( I believe these were XXXX XXXX XXXX and these were all paid ) Reference XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$37.00} ( I believe these were XXXX XXXX XXXX and these were all paid ) Reference XXXX XXXX XXXX XXXX  XX/XX/XXXX {$24.00} ( I believe these were XXXX XXXX XXXX and these were all paid ) Reference XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX {$33.00} ( I believe these were XXXX XXXX XXXX and these were all paid ) Reference XXXX XXXX XXXX XXXX XX/XX/XXXX {$510.00} ( If this is through XXXX I have applied for the financial assistance program through the XXXX XXXX and they agreed to pay 60 % of the bill. An automated debit comes out of my account on the XXXX of every month for {$44.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
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: EQUIFAX, INC. (FL)

Complaint:
This company is not putting the accounts in question in disputes unless I call in and spend 2 hours minimum on the phone trying to get it done. They continue to state that they need me to send in certain documents but ignore my documents for 3 months and demand I send them again before my disputes can be looked at. All they say is that the back office team needs to look over the documents but fail to comply with notifying myself of the disputes and continue to spam me with mail requesting my license and other information Ive sent over several times in the last 11 months. 

I am gathering all of this proof carefully and very organized to pursue litigation with the help of my lawyer. 

By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates. 
EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury. 
Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151. 

Account Name : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

Complaint:
I entered into a modification of my mortgage in XX/XX/2022 and sent in the first payment of the loan to Carrington Mortgage Services. The next month after it was recorded and second payment received they reported to the credit bureaus that I was in foreclosure and delinquent. The damage to my credit report was irreparable. They continued reporting this way for 2 more months. They are sending collection notices and trying to get me to agree to a short sale by email to avoid foreclosure when they receive and process my monthly payments. They are also submitting work orders to subcontractors to change my locks and trespass on my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

Complaint:
I had a IRS tax lien placed on me XXXX/XXXX/XXXX. I paid it off and the lien was released XXXX/XXXX/XXXX. Therefore, I have no balance and the negative report should disappear. I requested the change by XXXX and XXXX. They made no changes and claimed their data was correct. XXXX XXXX removed the negative report when I requested 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 2022-12-21
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. (NC)

Complaint:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2020-06-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (NJ)

Complaint:
Trying to connect XXXX to PNC, but PNC has made changes that cause it to be impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
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. (HI)

Complaint:
Transunion has failed to remove information that has had a material impact on myself after repeated requests to do so, and furnishing them with the requested information beyond what has been requested. 

I ask that these requests be honored, otherwise, other agencies, federal, state, local, XXXX, civil rights, state Attorney Generals, and other XXXX be contacted to correct the information or otherwise forced to do so in a court of law with a favorable ruling by a the presiding XXXX. 

The information listed is inaccurate, incorrect, done without my consent, permission, or authority, and I was otherwise unknown of the severity of the situation. 

Remove all requested information.

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 2015-06-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

Complaint:
Navient continues to not credit to my account the full amount that I send them every month. It is sometimes a few dollars off and sometimes a few hundred dollars off. I feel that this is either harassment or incompetence or downright sneaky fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION (GA)

Complaint:
My identity has been compromised by somebody I do not know. Please feel free to XXXX me if you have any questions or concerns.

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 2017-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (VA)

Complaint:
XXXX would not honor an offer to credit {$50.00} back on purchase of {$250.00} or more at XXXX. The XXXX offer is titled XXXX XXXX XXXX XXXX Spend {$250.00} or more, Get {$50.00} Back. Click once on the offer in the XXXX app and the text above is repeated. It also mentions 'Multiple Locations '. The same page states, ' ... after you pay for your stay with XXXX XXXXXXXX XXXX XXXX from XXXXXX/XX/2017. Book directly with XXXX XXXX XXXX XXXX ... '. Still no mention of it applying to any specific brand only. The XXXX Rep stated it was for XXXX XXXX. 

No mention that XXXX is excluded as of yet. 

There is a map on the same page. It highlights XXXX locations in my current proximity. Neither of those highlighted are embassy suites. They are both XXXX branded. 

Only when I click on the full terms do I see any specific brands listed. It excludes every XXXX brand I can think of, XXXX XXXX too! 

Excludes XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX by XXXX, XXXX - XXXX XXXX by XXXX, XXXX by XXXX, XXXX XXXX by XXXX, XXXX XXXX by XXXX, XXXX by XXXX, XXXX XXXX XXXX, XXXX by XXXX, XXXX XXXX by XXXX, XXXX XXXX by XXXX and XXXX XXXX XXXX. 

List of XXXX brands from their website : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC (ID)

Complaint:
University Accounting Services with XXXX University is threatening collections and reassignment to the Department of Education on a loan that was repaid in XXXX - I was in a car accident, had competing medical bills, and went into default on the loan while away from school - I was required to pay the loan in full with a collections agency ( XXXX XXXX XXXX  ) prior to returning- I did pay, XXXX lifted the financial hold so I was able to register and finish - I received no contact from UAS until XX/XX/XXXX, threatening reassignment - I have contacted XXXX and XXXX XXXX XXXX, both of whom have confirmed the loan was paid - UAS refuses to drop the charge of XXXX. They claim not to work with XXXX XXXX XXXX, even though the account information at XXXX XXXX XXXX directly matches the account information from XXXX ( too many digits to be coincidence ). XXXX has contacted UAS to confirm the loan has paid, but XXXX will not budge- This is unequivocally fraud - I have no idea how many other students could be affected by similarly predatory and fraudulent accounting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
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 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 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 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 has violated my rights. 
15 U.S.C. Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section2 : It also a consumer reporting agency can not furnish an 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 2021-02-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Complaint:
I sent Transunion and XXXX  an envelope containing my dispute letters on XXXX. The tracking number website confirmed both received the letters on XXXX. I called and spoke with a representative on XXXX and on XXXX. The representative kept telling me they were working on my request. I never did not receive a response from neither company. It has been 4 months now. I called Transunion on XXXX and spoke with the Manager by the name of XXXX XXXX XXXX if that is his real name ) and he told me that I did not send them a dispute whatsoever. He lied about me sending them a dispute letter and he did not help me. However, XXXX  received the dispute letter on XXXX and they removed all the incorrect inquiry information for me with no problems.

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