hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2020-07-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (OH)

Complaint:
In XX/XX/XXXX, I submitted an application for Borrower 's Defense for discharge, regarding a fraudulent for-profit school that has since been proven evident of fraudulent and deceptive practices in a XX/XX/XXXX nationwide settlement of XXXX XXXX to 180,000 students across 48 states. My school, XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ) located in XXXX, FL, which was a XXXX XXXX XXXX ( XXXX ) school that closed in XX/XX/XXXXthen renamed XXXX XXXX, defunct in XX/XX/XXXX. I am reporting that this XXXX  lawsuit and settlement was issued unjustly to XXXX Direct loan borrowers and excluded FASFA, federal student aid borrowers. My complaint is regarding the Federal Department of Education Borrower 's Defense Department processing and judgement of denial, I received on XX/XX/XXXX. This recent settlement case, XXXX XXXX public scrutiny and admitted guilt by way of XXXX XXXX XXXX XXXX   settlement to students nationwide should have been means for discharge from a logical stand point. Are there legal principles, documents or processes that are unknown to me that I can submit to the department that were submitted in the plaintiffs court case? There have illegal and unjust on 2 profound levels that I am experiencing. 
The first injustice has taken place just like highly publicized schools such as XXXX and XXXX XXXX, for-profit institutions have too much fraudulent leeway to exist and systematically violate the use federal and private resources for the public. First generation college seekers, minorities, low income, among other disenfranchise groups of people were targeted in this corporation 's higher education scam. My entire primary education financial offerings were through XXXX XXXX and not XXXX direct loans, which I had no education about. 
Discrimination and neglect is the second level of illegal and unjust processing. Because this lawsuit only pertained and was carried out for a certain group of borrower. The bulk of students attending these schools were financed through federal loans, so why wasn't there financial restitution given to all students who are seeking relief by way of discharge, that has been in a timely process for 3 long years of life unfairly and to a unfair resolve. 
I have submitted an option for reconsideration, as of XX/XX/XXXX, officiated XX/XX/XXXX but have not been provided any guidance by the Borrower 's Defense Department on what is needed information for approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

Complaint:
I received a letter stating that my chase bank account and credit is closed. I went to bank to inquire about why my account was closed, and they did not give me a reason why they closed my account. The bank also stated on the XXXX of XX/XX/2021, my checking account will also be closed. I asked what was the reason for closing my account and bank did not give me a reason. This is discrimination against me as XXXX American man.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
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: Midwest Recovery Systems (CA)

Complaint:
I received an alert from XXXX  about a new collection reporting from Midwest Recovery Systems. They claim the original debt is from a payday loan that I never applied for. I do not have any accounts in collection. XXXX  notified me that my social security number is on the dark web. This collection reporting is illegal & a fraud. There are several reports online where this company has fraudulently reported them also.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF THE WEST (NE)

Complaint:
" You stated that the account should be in your name being that the account is under the social security number of your child. You stated that the Bank has accepted the transfer and allowed this person to steal your money without checking the validity of the name of information from the party whose account it is. You are requesting that the funds be returned, the account changed, and transfer your funds to a more responsible institution. '' First and foremost, in a previous complaint submitted Bank of the West stated that I am not the account holder for an account that has my childs ssn on it which could perhaps in question. This account was more than likely transferred from an account that has my childs ssn on it at XXXX. YOU ARE REQUIRED TO VERIFY WHERE FUNDS CAME FROM UPON ENTERING YOUR INSTITUTION. I did not sign anything to have my account transferred to someone else where the ssn or tax id is different. If you take privacy and security seriously, this would of been investigated by your institution. I am the ONLY guardian of my child and if the account is opened using my childs ssn, it is FRAUD. Any bank would know that if I clearly called them to state MY INQUIRY. if you pulled my childs ssn up and an account pulls up, that means it is in fact my account regardless whose name is listed. I submitted a police report. Your conpany clearly doesnt know your role in verifying where funds came from and whose account it came from. The funds came from an account owned by me with my childs ssn on it amd was transferred to another institution to a person I have no clue who they are. How is that not fraud. Did this person show proof that the ssn used is his or a childs. Tax id numbers are supposed to be verified when used. Clearly you did not verify it! Failure to follow regulations. I want the account associated with my childs ssn found. SEC  has been notified of your fraudulent acts and inability to research my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (CA)

Complaint:
Diversified Consultants has been calling me repeatedly about a debt I do not owe from XXXX XXXX XXXX XXXX. I've only had one account with XXXX XXXX XXXX XXXX which has a {$0.00} balance and is inactive. The equipment was also returned on XX/XX/XXXX. Diversified Consultants opened up a fraudulent account on XX/XX/XXXX indicating {$670.00} was still owed from original creditor XXXX XXXX XXXX XXXX. XXXX   company reported this debt from Diversified Consultants on my FICO credit score report which is when I began to take action. I spoke to XXXX XXXX XXXX who stated that nothing was owed and there were no issues with the closed account. Diversified consultant tried to convince me that I may have a final bill post equipment return which did not make sense since XXXX XXXX XXXX did not show a balance for the account in question. I have disputed with Diversified Consultants but haven't heard back yet. This company should not be allowed to report debts back to FICO scoring companies because their legitimacy has been and continues to be questioned.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-22
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. (NY)

Complaint:
I sent a letter out on XX/XX/XXXX to XXXX, XXXX, and Equifax. However, it has been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense.

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file
in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Complaint:
Experian showing incorrect balance, current status for this account is {$580.00} with available balance of {$1400.00}. I have sent multiple disputes and they keep reporting inaccurate data

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 2018-08-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MI)

Complaint:
Re Account XXXX with XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX After opening this account -- last spring -- to buy clothing for my XXXX, Texas-based granddaughter, I only received my first bill in late XX/XX/2018. This, the first bill, included a late and an interest charge. 
I have paid the original amount, but not the other charges, which I am disputing with XXXX XXXX, of XXXX, OH. 
I suspect this may not be a solitary occurrence, but, perhaps, an example of a systemic fraudulent practice. Please investigate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2021-06-04
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. (CA)

Complaint:
There are three accounts on my credit report that do not belong to me they are not mine I have not signed for anything or approved anything I dont knwo what these accounts are for. 

Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my 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 2023-05-18
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. (DC)

Complaint:
I have recently reviewed my credit report on today, XX/XX/XXXX with Credit Karma, XXXX, XXXX and noticed several unauthorized inquiries ; XXXX XXXX ( XX/XX/XXXX ), XXXX, XXXX XXXX ( XX/XX/XXXX ), XXXX  XXXX  ( XX/XX/XXXX ), XXXX XXXX  XXXX  ( XX/XX/XXXX ), XXXX Card Services ( XX/XX/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 ), and XXXX/XXXX  ( XX/XX/XXXX ) on my credit report and under 15 USC 1681 a number 3 . You guys assumed the role without permission not only that you did not have consent. You guys did not respect my right to privacy which is under 15 USC 681 a number 4. They did not exercise their grave responsibility, they were unfair, they were partial. I am taking the liberty to file a CFPB report and attorney general 's complaint. The credit bureaus were not given or had permissible purpose under 1681 b number 2. I never instructed you guys " Credit Karma '' to furnish this / my report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all 10 Hard Inquiries off my report. Please furnish Credit Karma with the cfpb REPORT NUMBER. I have also noticed an influx of my credit score going down over the last 3 days without change. This has gravely impacted me emotionally, mentally, and my score has dropped denying me from accessing credit. I see Credit Karma denied the former complaint. However, if they are a reporting agency receiving information by third part via the credit bureau they should also gain my permission before posting.

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 2022-04-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: ALLY FINANCIAL INC. (FL)

Complaint:
The complainant was fraudulently charged ( {$100.00} ) for event tickets by XXXX XXXX on Thursday, XX/XX/XXXX. Ally Bank uses XXXX to process payments. I sent the electronic funds via XXXX at XXXX EST on XX/XX/XXXX. When the seller of the event tickets failed to send the tickets, I immediately notified XXXX who stated I needed to follow up with my financial institution ( Ally Bank ). I immediately notified Ally Bank via chat and was told to call and file a case. While on hold with Ally Bank I disputed the transaction on the Ally Website. 

Unfortunately, the Ally Bank phone system ( XXXX ) only directs the consumer to the vehicle loan division and does not properly route callers to the Ally XXXX Bank division. I was hindered in my interaction with Ally Bank due to the limitation of their phone system. 

I did dispute the transaction via the Ally Bank website and without notice, discovered the dispute was closed without any follow up or written communication. 

Attached is the chat log with Ally Bank representatives. 

XXXX - XXXX XXXX ( XXXX ) Email - 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 2023-06-14
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 (FL)

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. As I stated, I have already given your company quite enough time to investigate the items in question, but I am willing to give you one more chance. If I do not receive results of your investigation within 15 days of receipt of this letter, I will be forced to file suit against your company. I will also be contacting the XXXX XXXX XXXX and the Federal Trade Commission.

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 2022-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NY)

Complaint:
Business credit card with a {$29000.00} credit limit allowed to go to a balance of {$70000.00} as of statement date XX/XX/XXXX. I have been paying the card on time monthly. When I requested a payment plan to pay of this card in 28 months via $ 1000 monthly payments I was told there was nothing JP Morgan Chase could do since the account was current. I held back 1 scheduled monthly payment and was told again there was nothing Chase could do. After that I had my previous business accountant and attorney look through the Chase credit card statements and they uncovered the large balance overage, to the exact month where the card was allowed to go over {$40000.00} above the {$29000.00} credit limit. When I asked Chase for documentation I was sent a standard form letter stating the JP Morgan Chase sometimes allows clients to go above their credit limits. I was hospitalized at the time and that is what forced me to sell my business back on XX/XX/XXXX. I contacted Chase numerous times and was passed from supervisor to supervisor with no progress other than " we will contact you back within 2 weeks to your last physical mailing address. '' I did not sign up for or authorize an increase in credit limit and did have employees with additional cards. I am not disputing the charges. I only want to know who authorized this additional {$40000.00} limit to my account? The card documentation has always stated a {$29000.00} limit and I have never agreed to a credit line increase or another credit product to give me that additional credit line.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
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. (CO)

Complaint:
Equifax CAN NOT be consistent. On XX/XX/XXXX, I checked my Vantage score 3.0 & it reflects my score went down XXXX points since XX/XX/XXXX. As of XX/XX/XXXX, my score was XXXX, now as of XX/XX/XXXX it is XXXX. See attached showing incorrect information with XXXX XXXX XXXX. For XXXX, Equifax shows I'm 120 days past due in XXXX. Account was closed ( at my request ) XX/XX/XXXX. Date of last payment XX/XX/XXXX. For XXXX, Equifax shows XXXX 60 days PD, XXXX  60 days PD, XXXX  90 days, XXXX 120 days. All other months for calendar year XXXX shows current. Also in the HISTORICAL section of Equifax XXXX AMT PAST DUE for XXXX XXXX XXXX, every month is blank. This is so frustrating when I check my credit report 2x 's a month, it is always different! I should only be 60days past due, NOT 120days! XXXX corrected their records now I'm filing this complaint on Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pinnacle Credit Services, LLC (MI)

Complaint:
I Have proof that the debt was sitteled and full I paid via there collection XXXX party but they will not remove/update to show this debt paid in full. I settled this debt in good fait and attached documentation to this fact. my emails and not answered. 

The settlement via there XXXX party total card services was $ XXXX was paid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (CA)

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX   or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

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 2022-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Complaint:
XXXX XXXXReceived an invitation via email to apply for a credit card, I applied and received an approval for a secured credit card. The approval required a deposit to secured the line of credit and the credit limit will be equal to the deposit amount. 
XXXX XXXX I wired {$200.00} to Capital One and opened the account XXXX and XXXX Utilized the card and make payments promptly to keep a low balance and be able to reestablished my credit. 
XXXX XXXX CAP ONE CLOSED OUT THE ACCOUNT without notice. I had just made a payment which put the account back to a {$0.00} balance, this payment was made on or around XXXX. 
XXXX XXXX I learned the account has been closed. I called them to learn why the account was closed. The representatives keept transferring and I was not able to get an answer. I let it go, and ever since I been waiting for my security deposit to refunded. 
XX/XX/XXXX : I called again wondering why they closed out the account and wanted to check the status of the refund. The representative I spoke with told me the account was credited on XX/XX/XXXX and has a balance of XXXX, a positive balance. The refund was not processed. I escalated my request and updated my mailing address. He said it will be mail to me. 
XX/XX/XXXX : I just got off the phone, this will be my XXXX or XXXX attempt to get to the bottom of the closed out reason and the status of my money. I just learned that it has not been process. REF : QUICK SILVER CARD XXXX # XXXX THE MONEY OWED {$200.00} I feel mislead and the offer is all about taking your $ , keeping the $ $ and closing out the account with no reason. Is this a way to raise $ $ at bad credit people 's expense.

Company response to consumer: Closed with explanation