hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2020-06-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

Complaint:
I was told I would have s lower rate to pay monthly on my Student Loan by a Navient loan servicer and recieved bill for way more than what was told to me .my income has been affected due to COVID and unable to make payments but was misinformed on how much Ibwould have to pay monthly and was told it would be forgiven after a few years.I never received paperwork to support that promise either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

Complaint:
CREDIT COLLECTION SERV is listed on my credit report under collections account. Ive reported that this account does not belong to me through XXXX dispute and its still on my account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
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. (TX)

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OK)

Complaint:
This is XXXX XXXX acting in my own behalf. They are reporting accounts that aren't mine and these false reporting accounts are affecting my credit report and costing me thousands of dollars. This is not like a regular dispute. I have filled a complaint with the Federal Commission and XXXX  bc to my knowledge I do not recall any of these accounts. I need this problem fixed ASAP I am being ignored and i really can not wait another 60 days with this mistake hurting me. I have not receive any responses because everyone is ignoring me. I demand these accounts be deleted immediately or I will file for litigation due to all of the stress you caused me. 15 United States Code Section 611 ( a ). It is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been 55 days and I gave it more time due to the covid 19 but now these items should be deleted promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ID Analytics, Inc. (AZ)

Complaint:
On XX/XX/XXXX and on XX/XX/XXXX two dispute letters accompanied by several copies of my personal documents were signed and delivered to SageStream about several inaccuracies that are still currently reporting on my SageStream Consumer File.

I've also mailed a 3rd dispute letter to SageStream that was signed and delivered on XX/XX/XXXX that i'm still currently waiting on as well. 

As of XXXX XXXX my first dispute letter delivered on XX/XX/XXXX is currently 93 business days late as to responding to my dispute. 
As of XXXX XXXX my second dispute letter delivered on XX/XX/XXXX is currently 39 business days late as to responding to my first dispute This is unacceptable and SageStream is in violation of the fair Credit Report Act by not providing me an answer in the 30-35 time period of providing me any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Complaint:
When I review my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate and investigate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX BANK Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
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. (TX)

Complaint:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (GA)

Complaint:
I have told this company several times that this debt was paid 12-14yrs ago. We believe the debt was paid to a company that sold it off before they noted the payment. We never heard from either the original creditor or this company since XXXX. In XXXX they started to call. 

Convergence Outsourcing XXXX in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Complaint:
MAN CALLED MY JOB, FROM XXXX, IDENTIFIED HIMSELF AS XXXX XXXX (? ). ASKED FOR ME BY NAME, I ADVISED YES, I ASKED FOR A PHONE NUMBER, HE STATED HE DONT HAVE A CALL BACK NUMBER. I TOLD HIM NOT TO CALL ME AGAIN, HE ASKED " ARE YOU NOT ALLOWED CALLS AT WORK? '' I TOLD HIM AGAIN TO NOT CALL ME, HE SAID IF I CANT IDENTIFY MYSELF HE CANT NOTATE " NO CALLS '' AND HER TERMED THE CALL. WOULD NOT GIVE COMPANY NAME, JUST SAID XXXX XXXX (? ) ON A RECORDED LINE. 

FDCPA VIOLATION NO CALL WARNING SHOULD HAVE BEEN PLACED AS SOON AS I STATED NOT TO CALL. 
DID NOT IDENTIFY THE COMPANY WOULD NOT PROVIDE A CALL BACK NUMBER

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NJ)

Complaint:
On XX/XX/2017 Wells Fargo honored & allowed a debit card transaction of {$270.00} when i only had {$93.00} available in my account, putting the account in a {$180.00} negative. I contacted customer service as soon as i was alerted, a stop payment was placed on the still pending transaction and i was informed that " the payment will fall off and reverse and my balance will be restored by the afternoon or by the end of the business day '' ... which never happened! 
I asked why was the transaction honored instead of declined and why was n't i notified, Wells Fargo response was : " we decided to honor the payment as a favor because we feel that you are a good customer. '' I called Wells Fargo back numerous times, spoke with 2 more customer service reps, a supervisor, and the debit/credit claims department, who all claimed that there 's nothing that they can do for me. Completely disregarding what i was originally told & overlooking the stop payment that was placed by the first representative. 
Wells Fargo are looking to make a {$35.00} profit from the overdraft fee, for honoring a transaction that i did not have enough funds to cover, that they personally made the decision to pay and i did not ask them to do!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Complaint:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

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 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 2023-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (FL)

Complaint:
Credit card dispute denial although the transaction was a fraudulent by merchant

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 2023-05-06
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. (SC)

Complaint:
This is my fifth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud : 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 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 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 2018-04-19
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. (MN)

Complaint:
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX GA XXXX  RE : Intent to file lawsuit, HIPAA Privacy Violation Validation Letter sent to : { XXXX XXXX XXXX } Accounts # XXXX  # XXXX # XXXX  # XXXX and other accounts from the same company of XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA.

{ XXXX XXXX XXXX   } did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, MN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Complaint:
The items accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 XXXXXX/XX/XXXX XXXX XX/XX/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 2022-11-21
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 (WI)

Complaint:
I paid my XXXX Capital One credit card on time, but the credit card company delays the date it posts the checks to the date that the interest charge is made, the very same XXXX they post the interest charge just before XXXX of the XXXX checks they require me to send XXXX I use the credit card for my children 's charges, parent 's charges, a small business charge & my personal charges. They lose some of them, post them late to deliberately get an interest charge. 

This XXXX because of the poor service, I sent the checks to clean up the whole account, including the bogus interest charge they put on last XXXX, but they are again delaying the posting of the payments, which mailed XXXX XXXX XXXX 

I know for a fact they are losing some of the checks as XXXX never showed up despite mailing on the same XXXX 

Other items I mail have rarely been lost & seems wrong that XXXX XXXX in a row they are losing or not posting checks I send. I have had this company for many XXXX & have not had interest charges before, let alone XXXX XXXX in a row. I can't fix them, they need to fix themselves & I have contacted them & pleaded my case more than once.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST NATIONAL BANK OF OMAHA (IL)

Complaint:
On XX/XX/2021 I was made aware of a derogatory mark on my credit report ( XXXX, XXXX, and XXXX  ) per XXXX. Upon further observation, this account was paid in full and the account was closed ( account # XXXX ) with FNB Omaha. FNB Omaha has violated my rights as a consumer and I am requesting legal action to remove this derogatory account immediately. Debt was paid in full two years ago and has a {$0.00} balance but is still currently appearing on my credit score in collections and I wish to have this account taken off immediately. I have reached out to FNB Omaha in reference to the incident but havent received any feedback.

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 2019-07-23
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 — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY (MA)

Complaint:
RECEIVED INFO FROM XXXX XXXX THAT I WAS 3 MONTHS BEHIND IN MY TDBANK CREDIT CARD PAYMENTS UPON SPEAKING TO TDBANK I WAS ADVISED THAT I GOT MY STATEMENTS BY E-MAIL WHICH I DO NOT I RECEIVE PAPERSTATEMENTS/TURNED OVER TO FRAUD UNIT ( TDBANK ) IT WAS FOUND OUT THAT SOMEONE HAD CHANGED MY ACCOUNTS E-MAIL AND PHONE NUMBER PREVENTING ME IN GETTING MY BANK PAPER STATEMENTS. ACCOUNT CLOSED AND WAS ADVISED THAT I WOULD BE REFUNDED MY LATE FEES ALSO ADVISED THAT MY CREDIT " LIMIT '' WAS REDUCED FROM OVER {$16000.00} TO {$3700.00} CAUSING MY CREDIT SCORE TO DROP VERY LOW. RECEIVED LETTER XX/XX/2019 THAT MY CLAIM # XXXX WAS CLEARED AND THAT I WAS NOT AT FAULT AND RESOLVED " IN MY FAVOR '' AN UPDATE WOULD BE MADE TO THE ACCOUNT ON MY CREDIT CARD. LATE PAYMENT WERE DEDUCTED, BUT MY CREDIT LIMIT WAS NOT RAISED TO THE ORIGINAL LIMIT. CAUSING MY CREDIT SCORE TO REMAIN " LOW '' FAIR STATUS. DUE TO THIS OTHER CREDIT CARD COMPANIES ALOS NOTIFIED ME THAT THEY WERE LOWERING MY CREDIT LIMIT BECAUSE OF THE ACTION TAKEN BY TD BANK. JUST WANT MY CREDIT SCORE RETURNED TO WHERE IT WAS.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (PA)

Complaint:
I did not consent to disclosure of my nonpublic personal information to any non affiliated third party. The consumer reporting agencies have failed to conduct a reasonable investigation into this matter. As a result of their negligence, this has caused a restraint of trade and commerce. I have reasonable cause to believe I am being extorted and the fraudulent furnishing of this alleged debt was meant to cause me duress by ruining my consumer report reputation. I revoke any alleged contract or agreement, whether implied or explicit, that I may have been induced into due to undue influence. 

TILA, GLBA, FDCPA, False Claims Act, Sherman Antitrust Act, Clayton Antitrust Act, Robinson-Patman, Fair Trade Commission Act, and the RICO Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
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: EQUIFAX, INC. (CA)

Complaint:
On XX/XX/XXXX I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
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:
This account is not my account and it is adversely affecting my credit score. 

I am not familiar with 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 explanation
Consumer complaint received 2023-04-11
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. (NY)

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify this item, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT XXXX, and I'm including it once more. Please don't ignore my request to repair this inaccurate item in my file. I hope the disputed item will be corrected as soon as possible : XXXX XXXX XXXX Date Opened:XXXX Balance : {$21000.00}

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 2022-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PACIFIC PREMIER BANCORP, INC. (CA)

Complaint:
I paid ( via Banks Bill Pay ) {$150.00} from my XXXX Bank ( Pacific Premier ) checking account ending XXXX to XXXX 's credit card ending XXXX. This amount of money is stolen by XXXX Bank ( Pacific Premier ) or the XXXX Credit card company and it is missing for ever, no where to be found. I called XXXX Bank ( Pacific Premier ) and XXXX, they provided no help. Both are run by hardened criminals and bandits, who are engaged in Electronic Fund Transfer Fraud & Wire Fraud.

Company response to consumer: Closed with explanation