hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2018-05-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NY)

Complaint:
I have called 3 separate times to set up Income Based Repayment plans. each time I'm told they will send the required paperwork and then it never comes. After 3 unsuccessful attempts to receive the info I finally did get paperwork. I filled out required forms submitted them and received confermation that I qualify for the {$0.00} a month repayment plan and that any money I pay a month will be applied to the principal. within a week of receiving this info the company proceeded to send me a bill for the old payment of {$120.00} per month. I made a few months payments thinking that the money would be applied to the principal when I saw that is was not I stopped making the payment. they are now threatening to send me to a collection agency and bang my credit score. I should not have to call for a 4th time and spend 40 min waiting on the line only to get a rep who will lie to me yet again saying things will be taken care of. There is a class action lawsuit against this company for doing the same thing to numerous clients. I was willing to make payments of {$50.00} a month and was told that I have to pay the full amount they request unless I qualified for the income based repayment. so I did and I qualified and I'm still getting these bills and threatening letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BOEING EMPLOYEES CREDIT UNION (WA)

Complaint:
I opened an account original prior to XXXX at Becu my account was not getting used and in XXXX I entered the banking branch located in XXXX XXXX XXXX to set my account back up and get a replacement debit card I had Been told the account had gone dormant at that time I was provided a slight different updated checking and savings account numbers For My only account a joint checking and savings. Since then I have opened XXXX additional checking account do to continued theft from the other checking account that I was never compensated for correctly by the bank. Recently it was brought to my attention that though I have visited different branch locations on multiple occasions and replaced my debit it card with out success I was not informed that I had additional accounts not connected with my online banking that have been unknown to me since there original account opening accounts that are also connected to my CDs from my grandparents that I was previously miss informed about and that I may be not receiving my trust updates from my trustee as required by law and possible I may have been defrauded using the missing accounts which are the joint accounts to the accounts I have been using myself. I feel the bank should have disclosed this information to me and by with holding it has possible aided in the defradment of myself and also my fiance whom deposits into the accounts as well we have suffered loses amounting to over XXXX in pay from My previous employer unemployment and also this has lead to miss understanding and ruined friendships attempting to determine what had been happening.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Education, LLC dba Aidvantage (FL)

Complaint:
I attend XXXX XXXX XXXX XXXX from 2011 and was unable to complete the program due to lack of resources. The school falsify certified my eligibility to benefit from its training and charged excessive loans. And in the following year, the school was closed due to fraud. I was aware this year that this loan could be discharge due to its lack of merit. I have already paid XXXX in loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
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. (NJ)

Complaint:
There is a hard inquiry on my TransUnion report from XXXXXXXX XXXX XXXX dated XX/XX/XXXX. I did not apply for credit w/XXXX. I've sent dispute letters on XX/XX/XXXX, XXXX XXXX XXXX and XX/XX/XXXX. Each time I received a letter stating that the inquiry will remain because the company said it was accurate. I reached out to XXXX Bank Delaware ( XXXX ) XXXX XX/XX/XXXX @ XXXX XXXX. I spoke to a representative ( XXXX ) that searched their database and advised me that there is no record of my full social security number used to apply for credit. I was advised to call TransUnion and advise them that nothing was found. I called TransUnion ( XXXX ) XXXX @ XXXX XXXX. I spoke to a representative ( XXXX ) that said they can't remove the inquiry without a letter from XXXX XXXX  stating that I did not apply for any credit. I called XXXXXXXX XXXX XXXX again @ XXXX XXXX. The representative stated that they can't give me a letter regarding not finding any application containing my full social security number. I was again referred back to TransUnion. I'm getting referred back and forth without any resolution.

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 2018-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (MD)

Complaint:
I called PayPal Credit ( Bill me later ) on XX/XX/XXXX to get my balance on my account. 
the customer service rep told me that my account has been closed because i filed bankruptcy and that they mailed me a check back in XX/XX/XXXX in the amount of {$1800.00}. I told them i never rec 'd a check and i had already paid them another $ 500- {$800.00} since then, depending on when they did there audit on my account. 
I asked where have all my payments been going since i am paying on my account shouldn't i have a credit on my account? No, because my account is closed. No one can tell me anything. Nor help me. Pay pal owes me a couple thousand dollars at this point. 

i asked them to look at the check they mailed me i never rec 'd it NOR cashed it. To asked that the check be stopped and to send me a new check ALONG with doing an audit on my account to see how much more they owed me since i have paid several hundred dollars more. I was never notified that my account was closed and to no longer pay them anymore. 

I have been calling several times over the past 2 weeks and no one can seem to help me, they just say that they have a " case '' in and that it has been transferred to the back office but the " back office '' does not have a phone number nor can i be transferred to anyone.

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 2018-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (CO)

Complaint:
Hi, I appreciate XXXX and your hard work but you are incorrect on your last response on my home loan. This is very simple the lender I had was Penny Mac I'm not disputing that ok. What I'm disputing is the loan balance it's been paid in full. I sold the house! Sighned the closing on XX/XX/2018. I want the balance to be shown as a XXXX balance on my report and XXXX debt under where it says realastate debt. Since a buyer has already bought the house. XXXX XXXX XXXX XXXX  is the company that closed the house. XXXX is the number to XXXX XXXX XXXX XXXX. I have uploaded and by mail sent proof house was sold and closed to XXXX already. But XXXX  has failed to get the correct response on my report. I want a zero balance showing on my report under Penny Mac. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (TX)

Complaint:
Aarogon agency is trying to collect a debt for a patient for XXXX XXXX XXXX in XXXX, TX. I was not there on the date of service and did not sign anything. They are sending me the bill with the patients mothers middle name with my first and last name. Date of service is XXXX and balance is {$7300.00}. I disputed this stating it was not my debt nor was I there or signed anything and they just sent me an itemized bill saying it was my debt. Also they listed this on my credit report which now states an alias for me is The patients mothers middle name.

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 2023-02-01
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. (GA)

Complaint:
I am working extremely hard to establish my financial security. Several individual account disputes for incorrect reporting has gone unattended or updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

Complaint:
MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS EQUIFAX XXXX AND XXXX ARE REPORTING INCORRECT DATA AND ACCOUNTS THAT DO NOT BELONG TO ME AND THERE ARE ALSO 2 ADDRESSES ( XXXX XXXX XXXX XXXX, OHIO XXXX ) & ( XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX XXXX ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE ACCOUNTS FROM THE FOLLOWING CREDITORS 1.XXXX XXXX XXXX 2.XXXX XXXX XXXX XXXX 3.XXXX XXXX XXXX 4.US DEPT OF ED/XXXX XXXX I HAVE BEEN DISPUTING THIS MATTER SINCE 2021 AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
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: BMW Financial Services NA, LLC (LA)

Complaint:
The lease was opened XX/XX/XXXX with BMW FINANCIAL SERVICES. The loan amount is {$60000.00}. I contacted bmw in XXXX to inform the company of the Fraud. I submitted a dispute with All 3 major credit bureaus and bmw. The item was deemed as fraud and removed. Then 2 years later XXXX ADDED BACK TO MY CREDIT REPORT. I disputed again and it was removed but 2 months later the bmw account was added back to my credit report. IVE CONTACTED BMW Numerous times about this account and its still on my credit report and is destroying my credit. 

THIS IS FRAUD AND SHOULD BE REMOVED FROM MY XXXX CREDIT REPORT I PROVIDE ALL THE REQUIRED DOCUMENTS TO XXXX. Police reports, fraud applications, my drivers license, proof of residence etc. 
please remove the bmw account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
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. (PA)

Complaint:
I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

Complaint:
in XXXX my bank of america checking account was hacked and frauded. I was contacted by the bank fraud department and was blamed for the transaction. my account was closed and reported to the checking black list. i now can't get a checking account.

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 2019-05-26
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. (MS)

Complaint:
I have disputed the student loan account with the credit bureaus for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal, this requires immediate deletion.. 
US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX , US DEPT ED XXXX , US DEPT ED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
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. (FL)

Complaint:
XXXX XXXX XXXX reporting payments incorrect on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Payments were NEVER late on this account. 

XXXX XXXX XXXX reporting payments incorrect on XXXX  XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Payments were NEVER late on this account. 

These inquires WERE NOT authorized by me and need to removed : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/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 2021-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Professional Credit Management, Inc (TN)

Complaint:
Professional credit management is in violation of FCRA 15 USC 1681a ( 2 ) ( B ) and has furnished this information to a consumer reporting agency to hurt my character. 15 USC 1681a ( 2 ) ( B ) falls under the exclusions section, exclusions define what aren't supposed to be included in a consumer report. It reads ... any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; this account was allegedly extended and is not supposed to be included. XXXX  is also in violation of 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) which is also under the exclusion section for what is to be excluded from consumer reports and it reads ... report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
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. (NY)

Complaint:
I have been a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: JH Portfolio Debt Equities, LLC (FL)

Complaint:
JH Portfolio Debt Equity is a company reporting identity theft information to XXXX. After receiving the negative information from XXXX I call JH Portfolio and informed them the information is fraud and was also in bankruptcy. I ask to have the information remove. The information remained in my account and was never removed. The information is damaging to me, it is destroying the intent of getting the Home Equity Line of Credit. I want it remove and my credit score back to XXXX befor the damaging 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 2020-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (PA)

Complaint:
Unable to link investment accounts and so forth.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
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:
The credit companies are not complying with their own policies in a timely manner.

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 2023-06-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (WA)

Complaint:
I had fraud on my navy federal checking account. The fraud wasb carried out thru XXXX. which is what i thought a safe and widely used way to send receive money which exposes. Your account numbers. The fraudsters used these numbers given by me thru plaid to steal like XXXX from my account. As soon as i noticed i contacred navy federal and was able to stop some of the transfers. I did everything possible to prevent and stop any further damage to account. Navy federal refunded me my money then a month later on payday nfcu took all of my pay check without any warning to me. Nfcu some how denied my fdic insuramce on my money. Which was not my fault. Very dirty customer service. I closed my account. I believe navy federal owes me my fdic insured money back to me.. further actions will be taken if i dont reveive my money they stole from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Complaint:
Look at the attached documents. I want the bureau to start the investigation on these accounts that I'm never late for but they're reporting me as late

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 2020-06-30
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: EQUIFAX, INC. (NV)

Complaint:
These are not my accounts. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09
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: Experian Information Solutions Inc. (NY)

Complaint:
To Whom It XXXX concern, On XX/XX/2023 I went to look at my credit report. I have all these Inquires and none of these I recognize and I did apply for any of these cards or have access to any of these accounts. This is fraud / inaccurate. I have contacted all XXXX major collections agencies and with little help from them which is why I was referred to come here since this is all not authorized by me in anyway and I'm just trying to make my XXXX XXXX accurate for me and my family. I will attach documents from XXXX, XXXX and experian so you can see what I am referring too. I also tried to contacting some of these companies directly who gave me the run around.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc. (CA)

Complaint:
I applied for an apartment lease at a complex called XXXX XXXX  around XX/XX/XXXX. I never signed lease and 3 months later I get a bill in the mail for XXXX . I ignored it due to the fact that I knew I didn't owe this amount, and another 2 months later i received another letter from collection agency NCC business services. I ignored debt not applicable to me, and did not find out it was sitting on my credit report until I tried to apply for a different apartment recently ( XX/XX/XXXX ). I tried calling NCC business services and asked for either a settlement or pay for delete, instead I good a very rude representative so I hung up. I went through online dispute and even tried to sent complaints to their management asking for proof of validity but no response. I can pay off debt fully but it is not correct and I should not be charged it, my main concern is taking it off my record.

Company response to consumer: Closed with explanation