hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-08-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (CA)

Complaint:
Okay so on XX/XX/XXXX I got a direct deposit from the company called XXXX onto my checkings account for {$190.00}. So I proceeded to hop onto my Venmo checking account to transfer the funds from my Venmo account onto my XXXX checking account. So then I initiated the transfer not realizing which bank source I was depositing my money into since I had previously transferred my biweekly check from my authorized employer in a few days before I got payed by savegadget.com. So I just entered the amount of money I wanted to transfer but then I got an error message saying that I should check which account I am transferring my money to because my account was flagged at that moment and Venmo had put a freeze hold on my account. So then I called up Venmo and check why my funds werent being deposited and they said that the money transfers I had initiated triggered a red flag onto my account so they needed time to address this situation. So I provided them with a copy of my ID and they said that they would contact me back within 14 days once the lift is checked on and released. Its been over one week since this occurred. Im not sure why they would have frozen my account if all I was trying to do was add money to my XXXX debit card. So I called back yesterday on XX/XX/XXXX but I still have not recieved any update on my account and all I need is to be allowed to transfer my money to bank source. Also someone had deleted my bank source from XXXX from my Venmo account although a few weeks back I had just added it to my Venmo account and made bank transfers onto my XXXX account. From my understanding they told me that there was an unauthorized checking account on my account but I had not even added any other bank source to my Venmo checkings account since I added my sables checking account onto it so I would like for you guys to help me to get this freeze thats been put onto Venmo checkings account unlocked because this is outrages. The first time some fraud happened to me was last year with my EDD Unemployment Debit card got hacked and now also my Venmo account why is this happening to me now again? I have already placed a freeze on all credit consumer reports so that way hopefully whomever is trying to make any fraudulent moves on my accounts wont have access to any further possible unlawful acts on my personal identity. Also my employer deposits come from XXXX XXXX XXXX, XXXX, and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-24
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. (AK)

Complaint:
Equifax is the only credit reporting agency of the "  XXXX   XXXX  '' that simply refuses to provide my credit information ; and my wife 's credit information ; online. Each time we get our credit reports, the other  XXXX  credit reporting agencies quickly and easily provide our information online while Equifax requires us to scan documents, fill out forms, mail envelopes and wait for the mail. This has been happening for many, many years and I think it 's about time someone complained about Equifax 's non-compliance with the SPIRIT of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Complaint:
Credit reporting agency violated privacy of fcra by reporting relationship with creditor. credit reporting agency published payment history for open ended consumer credit plan. 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 an account without written instructions 15 u.s.c 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose The following accounts are noted as violation ( s ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  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 explanation
Consumer complaint received 2023-02-19
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. (MS)

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

Complaint:
To whom it may concern, I attended XXXX XXXX University from XXXX XXXX XXXX XXXX. I had taken out a loan with XXXX XXXX, who became Navient, so that I could finish my XXXX academic year. I began to repay the loan while serving in the XXXX ( XXXX XXXX ) for four years. Once I separated from XXXX XXXX I checked my balance and it had gone up from the moment that I began payments during my XXXX XXXX term from XXXX XXXX, XXXX XXXX XXXX. The interest rate that I was being charged was above what an XXXX XXXX military member should be charged, and I was not informed that my payments were not even covering interest ; which would result in my principal loan amount increasing even though I was making monthly payments for 4 consecutive years. If any additional information is required please contact me at : XXXX or at my cell : XXXX XXXX XXXX XXXX. Thank you for your time. Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Health Care Financial Services, Inc. (OH)

Complaint:
Recently while conducting a monitor of my credit report I discovered that XXXX XXXX XXXX has furnished some items that has been unverified. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX but I am unaware of the amount due and the bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than XXXX XXXX XXXX is to only be revealed with the patients authorization.

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 2023-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Southwest Credit Systems, L.P. (NV)

Complaint:
I am making a collection complaint from XXXX XXXX I was with that company I had to pay what I use they should not charge me more payments this company is taking advantage of my mother is out of the country if it is true she has the cell phone with her from XXXX XXXX  I am not going to pay an additional charge of {$1200.00} with XXXX XXXX  for helping me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Complaint:
As outlined in my initial dispute letter, I have reason to believe that the account is inaccurate, and I have provided documentation to support my dispute. The account in question is a charged off account with XXXX XXXX XXXX XXXX ( account number : XXXX ). According to my most recent credit report ( attached ), XXXX, XXXX, and Equifax all report different last activity dates as XXXX : XX/XX/XXXX, XXXX : XX/XX/XXXX, while Equifax reports the last activity date as XX/XX/XXXX. 

Equifax also is reporting a different last payment date as can be seen in the attached current credit report. XXXX and XXXX are reporting a date of XX/XX/XXXX, while Equifax is reporting XX/XX/XXXX. Equifax clearly has information of a payment made on the account which can be seen in the additional attachment of my Equifax credit report from XX/XX/XXXX which shows in the highlighted Historical Account information a payment of {$1200.00} on the account on XX/XX/XXXX. Equifax has chosen not to properly update and report the account, but also neglect any responsibility to properly investigate my dispute and lie that the information was verified violating multiple federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
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:
I have notice two accounts on my credit report that does not belong to me : 1XXXXXXXX XXXX  Account # XXXX 2. ( Original Creditor : XXXX XXXX ) Account # XXXX I am a victim of identify theft and I have filed a FTC report and XXXX complaint as well as a direct dispute with the credit bureaus to put them on notice of these inaccurate accounts.

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 2021-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (CA)

Complaint:
Since XX/XX/2021 I paid my Synchrony XXXX XXXX payment card in full. The balance was {$3700.00}. Both XXXX and XXXX show the account closed by consumer, and paid in full which is correct. 

XXXX however, still shows {$3700.00} - I have contacted Synchrony Bank AND XXXX to have the account information brought current. I asked Synchrony Bank today to send a record update over to XXXX, whereby the customer service representative stated it will take 30 days to have this processed. He was very courteous but I explained I can't wait 30 more days. 

I have already waited 40 days, to add another 30 days, makes it 70 days or almost three months, which is a quarter of a year. 

The issue is, I am refinancing my property, this balance of {$3700.00} / {$7200.00} credit line can be considered high utilization, and a negative factor in my FICO score calculation. Even if it is a closed account, the credit reporting agencies add the credit line to my total credit lines available and use it to calculate the debt ratio of all balances of all accounts.

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 2022-02-09
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: Verisk Analytics Inc (FL)

Complaint:
I have tried to email LCI several times and i have never received a response to my emails nor did they acknowledge that they received it nor have a received anything in the mail from them I am filing this complaint violation of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Client Services, Inc. (OR)

Complaint:
I am receiving repeated calls on my iphone identified as Client Services. When I answer no one is there. I looked up Client Services online and there is a legitimate company called Client Services that does debt collection. We have no debt nor have we ever had a debt that needed collection! Their web site says there have discovered a fraudulent company identifying as Client Services Inc that is unrelated to them. 
I received repeated, daily calls as follows : Client Services, XXXX MO XXXX at XXXX XXXX  number XXXX XX/XX/XXXX at XXXX XXXX  number XXXX XX/XX/XXXX at XX/XX/XXXX XXXX  number XXXX XXXX XXXX at XX/XX/XXXX XXXX  number XXXX XXXX at XXXX XXXX  number XXXX XX/XX/XXXX at XXXX XXXX  number XXXX XX/XX/XXXX at XXXX XXXX  number XXXX XX/XX/XXXX at XXXX XXXX  number XXXX XX/XX/XXXX at XXXX XXXX  number XXXX XX/XX/XXXX at XXXX XXXX  number XXXX This is what I have documented on my recent calls list! 
I would appreciate any help or guidance on how to stop these fraudulent annoying calls. 
Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
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. (AR)

Complaint:
Earlier this month I submitted a Identity theft report to all three of the major consumer reporting agencies in regards to several, inaccurate fraud related accounts reporting on my credit file. Along with my Ftc report I included a copy of my drivers license as well as my social security card. In ADDITION with my report, I included a personal information request which included my correct name, social security number, current address, and correct phone number. As of today I received a letter from EXPERIAN # XXXX dated XXXX stating that " We are requesting additional information that I must provide in order for us to act upon your request. " If I still wish to have this information blocked, please submit a identity theft report without the deficiencies noted at the end of this letter. '' EXPERIAN is basically asking me to submit all of the information that I've already submitted and this is nothing more than automated stall tactic which coincidentally violates my rights under the FCRA. Accounts that were included with my federal trade commission report was US Dept ED # XXXX, XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX XXXX at XXXX # XXXX & XXXX XXXX XXXX  XXXX. Can you please have EXPERIAN explain this response. I have attached a copy of my identity report to support my claim. 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 non-monetary relief
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 non-monetary relief
Consumer complaint received 2021-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Complaint:
If the account of XXXX XXXX XXXX  was closed in XX/XX/2019 how can you continue reporting charge offs after the account was closed thats inaccurate reporting requesting removal

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 2023-03-05
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: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Complaint:
I'm a natural person.I 'm an human being. I have a right under 15 USC1681. XXXX is govern by 15 USC 1681 and they violated my rights numerous times. I demand the accounts listed below be removed because according to 15 USC1681. I have a right to.privacy and i.did.not.give XXXX written permission to furnish these accts. Portfolio Recovery Associates acct # XXXX in the amount of XXXX. XXXX XXXX XXXX is the seller..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
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: Experian Information Solutions Inc. (MS)

Complaint:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 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 caused me. My information was also impacted by the XXXX, Experian and XXXX data 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 2018-12-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perfection Collection (GA)

Complaint:
I did not know anything about this debt from Perfection Collection. They just added on my credit about 2 months ago and I've never received a phone call, letter, email or anything because it is not my debt. I never lived at the address that this debt was for. I disputed with them and XXXX credit reporting agency. I have sent drivers license and letters from apartment I actually lived at during the time they say I acquired debt, also sent emails from myself and collection company to XXXX and they still wont remove. This Perfection collection said the only way this could be removed is for me to file a police report and charge someone with fraud. 
The debt is from 2016 and just now coming up. I also just filed bankruptcy and this debt was added right after filing. Obviously if this was really my debt I would of filed it under my bankruptcy. But it is not mine. Perfection Collection is trying to collect at least {$2600.00} for a XXXX XXXX XXXX company. 
I know the legal process to even put this on my credit report was not followed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
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 disputed a charge with XXXX of {$2200.00} on my Chase Visa Business Ink Plus card dated XX/XX/XXXX. On XX/XX/XXXX, I was notified the dispute was in resolved in the favor of XXXX but for some odd reason wasn't informed as to the procedure to appeal the decision which is usually written on the same letter. I've tried to call all day today but haven't been able to get through to a live person with the number they've provided me. I just sent a secure message and there's a notice saying " there might be a delay of a one or two weeks longer for a reply, '' The last time I got that response, it took one week to get a reply stating someone will get back to me shortly. I know I have only a limited period of time to file my appeal. If I miss that window, I will be precluded and lose my right to appeal. My dispute contained 34 pages including over a dozen pages of emails and photographs which I don't think were received and/or reviewed. Last time I submitted documentation for a dispute with Chase Visa, they sent me the response from the merchant for my review to my documentation and my dispute was overturned on appeal. This time, I never received anything except a letter. Finally, when I file a notice of appeal, the charge is supposed to be temporarily credited from my account until it's resolved if I'm correct. Can you please assist me in resolving this. Chase is usually fair about matters like these.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
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. (ME)

Complaint:
On XXXX XXXX, I went to the website www.annualcreditreport.com and tried to request my free annual report to be provided to me through the XXXX. Postal system. I was on a public computer with no connected printer. This was not possible. The website only allows an online viewing and printing. 

The site provided a " contact us '' tab which provided only XXXX phone number : XXXX. I called this number about XXXX times and was unsuccessful in requesting my report. I do not have a phone and could not provide my phone number when requested. The answering machine would not let me proceed past this point. I tried many other options but never could get to a human. 

I went back to the www.annualcreditreport.com website and in the FAQs there are directions for downloading a form and submitting your request in writing. I have searched everywhere on the website but there is no form and no link to download a form.

Company response to consumer: Closed with explanation