hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2018-03-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NY)

Complaint:
- I never sing any agreement with XXXX XXXX with a fake loan about {$45000.00} - I was approved for foebarence with XXXX until XX/XX/XXXX - My loan was about {$52000.00} since XX/XX/XXXX and I was paying about {$340.00} a month. - -- - My loan went down about {$40.00}, 000 in XX/XX/XXXX when I was aproved for foebarence with XXXX. 
- I was qualify for Obama Loan forgiveness after of more then 10 years of payment when I was working for XXXXhe City : XXXX XXXX XXXXXXXX XXXX XXXX however XXXX refuse it. I never have a payment plan when I will make the last payment of my loan. 
- I completed my Bankruptcy chapter XXXX - discharged Ref # : XXXX - Court : S BKPT CT XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
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: Experian Information Solutions Inc. (NY)

Complaint:
On XX/XX/2023 The Credit bureaus stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report as well

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 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Complaint:
I have noticed that the following companies are reporting addresses that are not mine, I have provided a copy of my Drivers license, and these Banks have Account charged my account without sending me a 1099C Under Section 166 of the Internal Revenue Code, All debts or Accounts are charged off. Must send the consumer a 1099C which I have not received from this bank. XXXX XXXX XXXX CAPITAL ONEXXXX XXXX XXXX XXXX are bank ( as defined in 1.166-2 ( d ) ( 4 ) ( i ) of the Income Tax Regulations ) and is subject to supervision by Federal authoritiesXXXX XXXX XXXX XXXX CAPITAL ONEXXXX XXXX XXXXXXXX has elected under 1.166-2 ( d ) ( 3 ) to use the conformity method of accounting to determine when debts owed to XXXX XXXX XXXX XXXX CAPITAL ONEXXXX XXXX XXXX  become worthless bad debts. 
15 U.S. Code 1681b - ( a ) ( 1 ) ( 2 ) Permissible purposes of consumer reports 15 U.S. Code 1681a - ( 2 ) ( A ) ( i ) 15 U.S. Code 1681a - ( 2 ) ( B ) 15 U.S. Code 1681e - ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Recovery Management (FL)

Complaint:
I checked my credit and saw an account from FOX COLLECTION CENTER for XXXX XXXXXXXX in the amount of {$380.00}. Please be advised this debt reported is a VIOLATION of the HIPAA Act of 1996. When I received service from the facility, I made them aware that I was a vagrant and needed financial assistance. 

FOX COLLECTION CENTER did NOT provide me with any correspondence about this debt or the right to dispute nor did they request a HIPAA release to release my medical information to them. Therefore, they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against FOX COLLECTION CENTER should this item not be deleted within the required time allowed by law. 

FOX COLLECTION CENTER is in direct violation of HIPAA regulations, and are facing fines up to {$1000.00}, even possible jail time. I will seek every legal remedy available to me and file suit against XXXX, XXXX  and XXXX   as well, since they are incorrectly reporting this debt, too. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously as I have no idea where this debt is coming from and I do not owe this company any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
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:
Trans Union Credit Company has combined me with another individual our socials are almost alike with similar names. I have been attempting to correct it since 2019, I have all documentation prooving my information. The other individual has bad credit I should have good. All of her bad debts show on my scores. I have contacted and disputed time and time again and proof. I have mailed correspondents and certified mail and have received no help. When I try to pull a report on me no information is provided. 
The other two major credit companies do not show what Transunion shows, for the other two it shows my credit score representing these issues from trans union but does not show the mixed social sec. numbers. so this is strictly related to Trans Union information. 

Please help, I do not know what else to do as I can never get a live person that understands or will speak to me. I've attempted since 2019 to straighten this matter up.

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 2020-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Complaint:
Our business credit card has a credit balance of almost {$500.00} and its been over a year, and Capital One still refuses to refund the money to the business account they withdrew from. I have the last statement showing the overpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

Complaint:
I HAVE MY NAME LISTED WRONG AND A LOT OF PREVIOUS ADDRESSES THAT ARE NOT MINE ALSO MY DATE OF BIRTH IS WRONG, SEE XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
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. (MA)

Complaint:
Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report. 

What I am disputing : The late payments you have reported to the three credit bureaus. 

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being 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 2019-07-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (CA)

Complaint:
I bought a car at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX. I spoke and worked with XXXX XXXX Sales Associate, New Vehicles, Tel : XXXX. 

XXXX sold me a set of services that I did not need and I canceled them the next day. He was out that day so we emailed and I spoke whit his supervisor - XXXX   Whom emailed me letting me know that the services had been canceled. 

In discussing a different issue with the Lender- Wells Fargo- I found out that the services where included in the loan and that the XXXX  dollars I had paid to the dealership had not been applied to the loan. 

I have emailed, phone and try to talk to the folks at the dealership but they are unresponsive.

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 2019-01-21
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: Experian Information Solutions Inc. (AZ)

Complaint:
XXXX is a " for profit '' Holding company that does not disclose, they portray to Credit Bureaus, that in fact their subsidiary XXXX XXXX is a collection agency ( and has never stated that we are working with XXXX XXXX  ... their actual and sole collection branch ). Never has an agency ( XXXX ) on the phone or in writing explained that they are a collection agency. The following is the dispute letter I sent to all three major Credit Reporting Agencies ( XX/XX/XXXX ) : XXXX, XXXX, Experian ) Dispute 1 Unfair Business Practices : reported as in collections Source of dispute information : XXXX obtained our balance from XXXX XXXX XXXX. and immediately reported this as in collections without our knowledge of this action. We were not told or informed that we needed to pay the full balance or that we even owed XXXX. Failure to make full disclosure is unfair business practices, and bad faith. We began negotiations through an agent ( XXXX XXXX ) and after months of their ( XXXX XXXX  ) inaction we agreed to  payment and have made current payments. XXXX agreement to the monies we pay monthly are in direct conflict with the agreed upon payment plan - as they report us as " in collections ''. How can they report us as in collections, when they in fact made the recommendation for the payment plan and have agreed to said plan ... and never once have they said they are a collections agency? 
Type of disputed information : Access to the credit bureaus by XXXX while willfully reporting us as in compliance to our agreement to said payments and portraying to the credit bureaus we are in collections ( never to us ) is bad faith. XXXX is unfairly reporting us when in fact we are making the agreed upon payments and payment plan. 

This practice to not have a systematic program to notify consumers that they are a collections agency is another instance for bad business practices. 

They have been sited in the past by the ED-OIG in XXXX for not having solid ( Final Report XXXX ) process or procedures. Page 6 of that report calls out for XXXX to ( Recommendations 1.2 ) " Develop procedures to ensure ... for allowable ... activities. '' This shows and identifies they continue poor business practices and is indicative of a culture whereby the interest to be fair and impartial to/with consumers is concerning and bad faith.

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 2018-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Complaint:
I filed a complaint against experience with your organization. Experian had my score at a XXXX and I am unable to obtain housing making me XXXX. I am forced to live with my brother. Experian reacted to the complaint with a long message that there is nothing that they can do to help me better my credit score. Experian also reacted by decreasing my creator score further to a XXXX. I also notice inaccurate information on my credit such as social security payment which is paid in full through company garnishment.

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 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
I know my rights so please correct the following accounts.I reviewed the law located at 15 USC 1681i which describes your investigation responsibilities.Please complete this dispute in a timely manner and send the results to me so I can verify my credit.Thank you for your help.Please correct the accounts listed below. 

Account name : XXXX  XXXX Account number : XXXX Account name : US DEPARTMENT OF EDU Account number : XXXX Account name : US DEPARTMENT OF EDU Account number : XXXX Account name : XXXX  XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : 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 non-monetary relief
Consumer complaint received 2020-07-03
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. (FL)

Complaint:
I am writing because I do not recognize certain items on my credit report. The accounts are listed below. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them. 

For some, I recognize the names that are listed as original creditor, but I dont understand how I could owe so much as I dont recall ever having gotten so much debt.

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 2023-04-28
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. (MN)

Complaint:
I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see this account is removed from my account. It is fraudulent & is impacting my ability to gain credit. 



XXXXXXXX XXXX XXXXXXXX XXXX Date opened XX/XX/2013 Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

Complaint:
This will be a respond from an earlier complaint ( ID # XXXX ) I filed last week. thank you for the quick turn around. I received a copy of my EXPERIAN Consumer report after the first complaint. I see multiple names, addresses and Social Security Number. I disputed those information on my report back in XX/XX/2021 with no resolution. A copy of my report will be uploaded below.

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 2021-05-27
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: JPMORGAN CHASE & CO. (CA)

Complaint:
I have XXXX credit card with Chase Bank. In the past I've always been credited 1 free night on XXXX of each year of my membership. However, this year I have not receive the free night award along with this credit card even though it's advertised as the included benefit. I've already paid the annual fee and I still have not received the annual free night award like usual and it's been almost over 2 months. 

I contacted XXXX but they said the responsibility is with Chase Bank. I then contacted Chase Bank XXXX credit card representative on XX/XX/XXXX and I was told that they will contact me back and research to credit the amount. However, I still have not received any calls about this. 

Please see the attached screenshot from my XXXX account showing that File 1 - showing my XXXX account number File 2 - showing in XXXX and in XXXX, I received the XXXX Annual Free night award as part of Chase credit card benefit on XXXX. However, this year I did not receive any!! 
File 3 - showing that I did not receive any free night award this year XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (WA)

Complaint:
Repeated attempts to contact Mohela to both gain information re : my student loans that they managed, and well as to request account updates, have resulted in zero responses. The loans they serviced were federal DL loans. 

During the pandemic, I made payments towards, and paid off in full, student loans that were held/managed by Mohela. These payments were voluntary, and not required, as they fell within the parameters of the interest/payment pause beginning in XXXX of XXXX. Since the initial announcements by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have made multiple attempts to contact Mohela to confirm the amounts I paid during the period of interest/pause, and to request a refund of said amounts in order to take advantage of the forgiveness. 

Despite stating to a response will be issued within 3 business days of messages being sent, I have yet to receive any response from Mohela to messages I submitted on the following dates : - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX ( I just sent this today ) In addition, I have spent more than 12 hours on hold over the span of 6 different phone calls, and as of today, they are " not accepting calls ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Complaint:
This is my Complaint about the negligence of the 3 Credit Bureaus and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of account resulting in significant harm to my financial standing and reputation. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. I demand that they rectify this violations and provide me with accurate and updated credit report immediately. This was the inaccurate account that I want them to correct : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$7000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Complaint:
Capital One has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Complaint:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Complaint:
This account is being reported as Collection/Charge-Off.

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