hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2020-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

Complaint:
IQ DATA INT'L INC # XXXX****IQ Data International Failure to Validate Disputed Debt ... XXXX consumer iq-data-international-fail ... 
XX/XX/2017 - According to the complaint, IQ Data has violated the Fair Debt Collection Practices Act ( FDCPA ) in a number of ways, including the following : Falsely representing the character, amount, or legal status of XXXX 's debt. Communicating, or threatening to communicate, false credit information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-12
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: WELLS FARGO & COMPANY (WI)

Complaint:
When I cancelled my account I had rewards dollars in the amount of {$110.00}. I asked how to redeem these and was told the easiest way was to just subtract them from my final balance. When I received my final statement of {$180.00} the amount owed was not adjusted for my rewards money. I reduced the amount by {$110.00} and sent them a check for the balance of {$70.00} and considered the matter closed on XX/XX/XXXX XXXX. I also printed a disclosure on the back of my check stating that if the check was cashed my account will be considered paid in full. The check was deposited. When I contacted them about this in XXXX I was told that the employee should not have told me that it would be reduced.I now have received a notice that I owe them {$140.00} including a late fee of {$25.00}. I feel I do not owe them anything and want a letter from this company accepting responsibility for this matter and they consider the balance paid.

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 2022-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (CA)

Complaint:
This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The JPMCB CARD XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 


JPMCB CARD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (TX)

Complaint:
My credit report is being negatively affected by 13 total late payment indicators on 3 separate student loans I have with XXXX XXXX XXXX. The loans were always in good standing for years before these reported months and are in good standing now since 2016 when these payments were reported late inaccurately. Its my belief that the loans should have been in deferment at that time or if they were not, I was not properly notified that the payments needed to be made. Even though fed loan servicing is reporting the late payments they refuse to remove them but suggest that I ask the credit bureaus to remove them as a courtesy. But they will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (OH)

Complaint:
I have been attempting to make a payment on my loan through XXXX XXXX   since XX/XX/XXXX and the website will not allow me to make a payment. Their new website is not functional and despite several messages to the company, I have not gotten a response or a solution. 

The company is aware of this problem per their XXXX page, but they have claimed the problem is fixed, despite many other consumers posting that they are still not able to make payments. 

Additionally, I was forced to apply via mail ( because the website would not give me an option to sign up online ) for automatic monthly payments. However, on XX/XX/XXXX I was sent an online message from XXXX with the subject line : " You Aren't Eligible for Direct Debit Payments '' with the following reasoning : " Your loans have not entered repayment. '' However, at the time my loans were in the grace period but I was still being charged interest even during the 6 months of grace. Despite being charged interest already, XXXX XXXX would not allow me to start direct debit payments, forcing me to incur interest without a making payments to prevent it. 

Additionally, because my first application was denied due to my loans being in grace, I can not apply online for automatic payments still to this day. This has made it frustrating and impossible at times ( like when their site is down ) to get my loans paid in a timely manner. I can submit another paper application, but I do not think it should be this hard to simply pay my student loans back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (UT)

Complaint:
This was removed from my credit report in the past ( but under a different name ) - the original creditor was XXXX XXXX. More recently, this company Portfolio Recov Assoc added back the collections account to my credit report and continues every other day harassing me with phone calls. They NEVER sent anything to me prior to putting this on my credit report and do not even know the history of my account. I told them this and they sent me the last few statements from XXXX XXXX which show no account history. They are unaware this was solved in XXXX and 4 years they continue to harass. They are unaware this is from chargeback activity that was approved, that much later appeared again. XXXX rules even state max liability is {$50.00} if that was/is the case- do i really need to speculate with a speculative shady account that reappears under a new name when removed from the major credit reports. They have caused harm to my credit file that is quite substantial and have done so in an illegal way. Copy provided to State Attorney General and this is a similar case that CFPB has against XXXX XXXX ( one of their sister companies ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

Complaint:
I received an email ( XX/XX/XXXX @ XXXX ) from XXXX XXXX to check my credit score. As I checked my score, I just realized that my credit went down drastically. It said that in my " Payment history '', I was currently " 60 days past due '' on something. As I checked, the " XXXX XXXX  XXXX XXXX '' ( XXXX XXXX ) stated that I was late on my payment. 

From here, I called the XXXX XXXX  customer service number on the back of my credit card to double check my account balance. As I checked, they said " Your account is currently past due. Your current account balance is {$12.00} ... The balance on your XX/XX/XXXX statement was {$12.00}. Your last payment in the amount of {$74.00} was received on XX/XX/XXXX. Your next payment of {$12.00} is due by XX/XX/XXXX. Your XXXX XXXX XXXX XXXX account is past due. 

I then went online to check my XXXX XXXX account statements. I was able to check it online and it said in the XX/XX/XXXX statement that a " CREDIT PRO XXXX '' charge of {$0.00} was there and a " MINIMUM INTEREST CHARGE '' of {$2.00}. 



As I tried to click on the other statements, I received a " We're making improvements to your online experience. Some features may be unavailable on XX/XX/XXXX from XXXX AM to XXXX XXXX ET, and again on XX/XX/XXXX from XXXX XXXX to XXXX XXXX ET. 

XXXX @ XXXX '' and a " Internal Server Error The server encountered an internal error or misconfiguration and was unable to complete your request. 

Please contact the server administrator, [ no address given ] and inform them of the time the error occurred, and anything you might have done that may have caused the error. 

More information about this error may be available in the server error log. 

Additionally, a 404 Not Found error was encountered while trying to use an ErrorDocument to handle the request. '' I did not authorize XXXX XXXX to enroll me in any program. 

Provided are the screen shots and the XX/XX/XXXX statement. 

I have also sent in a dispute request through XXXX XXXX for this transaction stating that I have no knowledge of this transaction.

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 monetary relief
Consumer complaint received 2018-08-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PMAB,LLC (NC)

Complaint:
XXXX XXXX XXXX hospital and XXXX XXXX didn't fill out the paperwork for the insurance correct I have been XXXX  10 years and have Medicaid and Medicare and Medicaid I don't owe anything for the bills

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
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. (PA)

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX OF XXXX Date of Inquiry XX/XX/2021

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 2023-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am 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 non-monetary relief
Consumer complaint received 2019-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (MD)

Complaint:
On Monday XX/XX/XXXX while at work, I have received a welcome to XXXX email. Which I havent opened nor heard of. Right after two transactions of {$500.00} was taken out my account to two different people I dont even know of. I called PNC that same evening/night. While on the phone ; a XXXX amount off XXXX was taken than cancelled. Crazy. The Rep on the phone block all access online. I went to my branch despite everything that I didnt authorize. Even than I was told I had to wait. What I dont get is HOW ALL THIS TIME BEING A CUSTOMER THEY ALLOW A XXXX ACCOUNT TO BE MADE. That should be suspicious activity for all of suppen to have. No one called or anything. The fact I reported everything within hours they basically didnt Care all my money was fraudulent taken. They didnt even credit me anything. I just gotten Paid n Pnc just let my money go. I have all types of security with this back because they allowed my twin to fraudulently take out my account back in XXXX. Now here I go again and they seem not to want to do anything about it but tell me I have to Wait n they may cant give me anything. I have a XXXX year old that I work hard for n to have my money just taken n not refunded I truly dont feel Safe banking with them anymore.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK 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 2018-04-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (KS)

Complaint:
I recieved a letter in earlyXX/XX/XXXX from Transworld Systems Inc ( TSI ) regarding a debt collection on behalf of XXXX. No information was given in the initial communication regarding the incurrence of the debt, just that a balance was owed.

I responded in writing on XX/XX/XXXX requesting additional information. When I received no further communication three weeks later I called TSI 's toll free number. I was told that my written response was not received, but was given the date of the original XXXX  service in question. I asked that those details be sent to me.

I received the next communication from TSI approximately one week later which included an invoice from XXXX. This was the first time I had seen anything from XXXX  stating a balance was owed.

I did recognize the shipment date from late XX/XX/XXXX ( less than three months prior to receiving first notice of debt collection from TSI ) and information as being valid, and although I had not received any communication from XXXX  before, during, or after delivery regarding a balance owed, since the amount was less than {$40.00} I then made arrangements to have the balance paid.

Upon logging into the TSI website ( XXXX XXXX XXXX ), I found a pdf of another communication from TSI dated XX/XX/XXXXwhich states : " We have not received a response regarding your past due account ( s ) with XXXX XXXX XXXX XXXX . Previous attempts by our office requesting that your account ( s ) be resolved have been unsuccessful. Please contact our office to make arrangements to resolve your account ( s ). Thank you. '' This is concerning given that I had provided written response in late XX/XX/XXXX and made a follow up phone call in early XX/XX/XXXX. Given the questionable business practices to date of both XXXX and TSI I did not feel it would be in my best interest to continue to dispute the claim, and given the small amount, decided to process a payment in full on XX/XX/XXXX. However, these small amounts can add up, and I believe these companies are defrauding consumers.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC (IL)

Complaint:
I am a victim of identity theft. It was brought to my attention back in XX/XX/2023 that a collection account from contract callers was reporting an account from XXXX an XXXX company. I notified the company that it did not belong to me and that it was a fraudulent. I went to the police station to file a police report because I was concerned that my identity was stolen. I also contacted all 3 credit report companies to put a freeze and fraud alert. I took all the necessary steps the collection agency and original debt company needed me to do. It was then removed off of my report, a few weeks later it was placed back on my report! This has affected my life tremendously as I recently started a new maintenance business and needed a vehicle to maintain it. It has stopped all my efforts in this endeavor. I have wasted so much time and effort trying to get the creditor to remove this account and they are ignoring my complaints, police report and statements of this account NEVER belonging to me. I never live at the address where the account was associated with and I never tried to apply for credit with this company ever. I need your help as they have ruined me because of it and stopped my effort to succeed with my business

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
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. (FL)

Complaint:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Navient Solutions, LLC. (NY)

Complaint:
RE : STUDENT LOANS NAVIENT Reported : XXXX. XXXX, XXXX {$19000.00} In good standing NAVIENT Reported : XXXX. XXXX, XXXX {$28000.00} In good standing NAVIENT Reported : XXXX. XXXX, XXXX {$15000.00} In good standing As per my recent email with CFPB I indicated that NAVIENT agreed to remove me as a comaker/cobuyer as of XXXX when I turned XXXX .... as per a recent email from XXXX their was an acknoledgement that this is being done, i misplaced the email, only way i can retrieve if i do a system restore, nonetheless I need all three loans removed from the 3 major credit bureaus, my son XXXX is paying these loans on time. I am XXXX and I just want Navient to make good on their promise. Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
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: EQUIFAX, INC. (CA)

Complaint:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX  data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$140.00} XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5300.00} 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 explanation