hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (TX)

Complaint:
This evening on XX/XX/2022, I received a text message from Wells Fargo asking if I had made a purchase at XXXX for {$1.00}, and to call their customer service team if I did not make this authorization. 

I called and spoke with someone whose English was terrible. He couldnt speak English enough to understand the answers to my security questions ( or so he claimed ), and kept probing me for additional information that he again claimed was incorrect. The information I provided was correct. 

I got suspicious because the more he told me my answers were wrong, the more questions he was asking some of the questions are not pieces of information that I had ever provided to Wells Fargo. I am a fraud analyst, a certified fraud analyst. I know the interview questions and the laws and guidelines for fraud victims. I asked him at this point if he actually worked for Wells Fargo because his professionalism was terrible. He abruptly transferred me to someone else another person who did not speak English. This individual sat on the phone for a while pretending that he couldnt hear me and hung up. 

My card has been shut down. I doubt that Wells Fargo will reopen that card, which is going to hit my credit in a negative way. 

Being in the business, I know that Wells Fargo has been investigated by the CFPB for situations such as mine. 

What I found funny is that Wells Fargo did not attempt to forward this case to a fraud investigator or even show me any kind of humanity or compassion. I felt victimized by the bank who is insured to protect me. I dont even know if Wells Fargo did anything to protect my information because this appeared to be a breach on their end.

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 2016-04-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (MA)

Complaint:
My student loan servicer, FedLoan Servicing, took nearly two months from the time they confirmed receipt of my Income Based Repayment plan recertification ( XXXX XXXX ) to process my recertification ( on XXXX XXXX ). As a result, I have been billed for a " level '' payment of nearly twice my usual student loan payment. I confirmed on the phone with them that I made no errors in my application and that it was their inability to process the paperwork in a timely manner that has resulted in this large bill. They recommended I make the payment or receive a one-month foreberance. I do n't think I should have to pay extra, or extend the time until I reach my XXXX payments for loan forgiveness, due to their inability to process paperwork.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

Complaint:
Received an alert XX/XX/2021 of a derogatory account was listed on my credit report. Was removed by XXXX and XXXX immediately as it was an account deleted previously last year after company could not verify debt. Contacted company 3 times via certified mail after violation of FDCPA of not notifying right to dispute. Company refuses to provide documentation to verify debt by law or remove debt in accordance with FDCPA. 3 certified letters : XX/XX/2021 : USPS XXXX ; XX/XX/2021 : USPS XXXX and XX/XX/2021 : USPS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Complaint:
I submitted a dispute with TransUnion on XX/XX/XXXX, it is now XX/XX/XXXX and they have failed to respond. I submitted through XXXX XXXX website. I have also written follow up letters, they responded by sending me a letter saying they did not understand the letter, that is ridiculous because the letter was very clear. It has now been over 90 days and still saying under investigation. It is preventing me from dealing with other disputes through XXXX XXXX. 
file # XXXX TransUNION

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 2023-05-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance : {$240000.00} ; XXXX XXXX XXXX Balance : {$280.00} ; XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15
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. (MO)

Complaint:
Located a loan from XXXX on my credit file that was not instituted by me. Contacted them directly by phone. They refused to acknowledge fraud and my FTC report and documentation of fraud. After receiving the loan contract when requested, I submitted a certified letter to them requesting the account be arbitrated per the contract. This was received and signed by them on XX/XX/XXXX by the authorized agent. I contacted them again on XX/XX/XXXX to ask the status of the arbitration and management hung up and on a re call they refused to take the call when a manager was requested.

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 2017-11-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harvard Collections, LLC (IN)

Complaint:
ONCE AGAIN HARVARD HAS DONE IT AGAIN. THEY FAILED TO VALIDATE DEBT AND CEASE AND DESIST COLLECTION EFFORTS AND STP CONTACR REQUESTS WAS IGNORED. CEASE CALLING OUR CELL NO.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC. (TN)

Complaint:
Occurrence Date : XX/XX/2019 Amount : {$130.00} ( approx ) Debt Collector : I Q Data International Inc Received call from Debt Collector. The conversation turned to harassment, they kept stating that I was unwilling or reluctant to pay the amount, and I said " no '' that is not the case, but I am disputing the amount ( charges ), but they kept insisting that I pay now to avoid being reported to Credit Reporting, so had to provide Credit Card now. 
This was first contact by them, so I had no idea as to their validity nor did they disclose the fact that I had rights to dispute the charges, as stated below : " Within five days of its first communication to you, the debt collector is required to send a written debt validation notice to you. This notice will state your right to dispute the validity of the debt within 30 days. '' They were threatening to go to Credit Reporting without sending any written notices or allowing me the chance to dispute ( 30 ) days, so again felt I as being harassed and undue pressure to force payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Complaint:
EQUIFAX and XXXX I XXXX XXXX recently reviewed my credit report and I found unauthorized account on records etc., XXXX 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 XXXX XXXX XXXX. These are account I want DELETED AN ARE UNAUTHORIZED Has no permissible use and are not accounts that I have had relationships with an are reporting on my credit file without my consent.. 
XXXX XXXX XXXX XXXX account # XXXX Attorney General child support account # XXXX XXXX XXXX XXXX  account # xxxx # # XXXX XXXX XXXX account # XXXX Hard inquiries.. 
XXXX XX/XX/XXXX XXXX. XX/XX/XXXX2 XXXX XXXX XXXX XXXX XXXX Are all unauthorized an have no Permissible use. 
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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person, has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

.

I can go on and on please validate an delete at once

Company response to consumer: In progress
Consumer complaint received 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Contemporary Information Corp (NY)

Complaint:
Company reports that I was evicted, but I have never been evicted nor had an eviction process initiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
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. (NY)

Complaint:
I was just made aware a hard inquiry was made on XX/XX/2018 was made to XXXX XXXX. This was not authorized by me. I did not request anything on said date. This is fraud. I just want this removed as I did not authorize it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2023-03-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P. (FL)

Complaint:
LVNV Funding LLC this debt collector isn't registered or licensed in the state of Florida as a debt collector or collection agency. therefore they need to cease and desist all collection efforts and remove all negative items from all 3 credit bureau 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (VA)

Complaint:
I have received 4 phone calls ( XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, andXX/XX/XXXX at XXXX XXXX ) from XXXX XXXX XXXX. The firs three calls I did not answer and they left 2 voicemails stating who their company name and that they were a debt collector. The same person left the voicemails each time. I answered the call on XX/XX/XXXX. The person asked for me by one of my names, told me he was a debt collector, and said that I owed citibank/mastercard around {$20000.00}. I have no debts with citibank and I 've never had a debt remotely close to that amount in the 10 active years I 've used them for credit. This immediately raised a red flag for me. I informed the person on the call that I did n't have a debt and that I believed they were scamming people and I hung up the phone. I then called citibank to inform them that this company was gathering money fradulently on their behalf. Citibank said they would forward the information to their security department.

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 2022-07-08
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: ENCORE CAPITAL GROUP INC. (CA)

Complaint:
my XXXX girlfriend and XXXX of her friends uesd my name i was in jail when they uesd my name i did a F.T.C fraud report and you can check the jail system and the video camera at the car dealer and she got credit cards and a account with XXXXXXXX XXXX i call the cops and the F T C please remove these accounts itss been over 90 days and its holding my life up from getting back on the right track im trying to open up a sober living and this info is stoping me i want to file a law suit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-04
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. (GA)

Complaint:
I HAVE THESE FRAUD ACCOUNTS ON MY CREDIT FILE AND I FILE AND FTC REPORT BUT THE ACCOUNTS ARE STILL SHOWING ON MY CREDIT I NEED THESE ACCOUNTS REMOVE ASAP. 

1, U.S BANKRUPTCY COUT ACC # XXXX 2,XXXX XXXX XXXX # XXXX 3, XXXX XXXX # XXXX 4,  XXXX XXXX # XXXX 5.XXXX XXXX XXXX # XXXX 6, XXXX XXXX XXXX XXXX XXXX 7, XXXX XXXX XXXX # XXXX 8, XXXX XXXX # XXXX 9, XXXX/XXXX XXXX # XXXX 10, 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 2023-04-06
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. (NJ)

Complaint:
I've found that my credit report has erroneous information for the third time, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/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 explanation
Consumer complaint received 2021-12-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Upgrade, Inc. (GA)

Complaint:
Upgrade , Inc. claims I owe them XXXX on a line of credit promissory note ( which doesn't make sense ) that they signed on my behalf without my permission. However, they can't prove to me that they sent me any money or why I owe them this money. I talked to them on the phone and they kept asking me for my bank account information to prove that I never received any money. I refuse to give them my banking info as I am concerned they will find a way to take money out of my account! I filed this complaint before under # XXXX and it was closed ; but now they have placed it on my credit and they are threatening to accelerate payments and demand payment in full on a debt I don't owe. I told their rep. to take me to court and I would show my bank acct info to a judge. However, I feel it is incumbent on them to prove they sent me the money. After all if they sent money to my bank account it will not be exposing confidential information to tell me what account they sent it to, would it? They need to prove I owe them this money! Any business that would send {$6500.00} to a bank account and not have proof of what account they sent it to is either incompetent or lying!!! I am attaching a police report, their phony loan document and a cover letter I sent to the credit services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (WA)

Complaint:
Got a letter in the mail from a debt collector says I owe {$640.00} through a XXXX account and I'm thinking this is not my debt can I have the original name and address of the original collector sent to me please

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (ND)

Complaint:
In  XX/XX/XXXX  I took out a student loan serviced by  XXXX   XXXX  ( now serviced by Navient ). The loan was disbursed  on XX/XX/XXXX  in the amount of {$32000.00}. I made payments on the loan but had difficulty making the high payme nt. When I approached  XXXX   XXXX  the only option was forbearance. They said I did not qualify for any other repayment plans. Every time I called they offered me forbearance or a couple of months deferment. I have been making monthly payments on the loan with out missing a single payment or having forbearance/deferment sinc e  XX/XX/XXXX . Pl ease see the attached spreadsheet that I downloaded from the  Navient w ebsite. Currently I make a payment of {$340.00} per month. The amount is applied to both interest and principal. My principal balance never goes down. In fact, it goes up. I currently owe {$37000.00} and I have been paying on this loan for over 10 years. As of today, I have paid {$27000.00} toward my loan. Why has n't my principal gone down? Why do I owe more than I every took out, 10 years later? I feel that   XXXX   XXXX  /Navient is misapplying my payments, has misguided me and has not been truthful with me about repayment options throughout the course of this loan. My interest rate is set at 6.5 %. I have also asked about lowering the interest but they say I 'm not eligible. They have been impossible to work with when I did ask them about repayment options or why my loan balance never goes down. They also claim that they will follow up with me. When I call them back they say that they have no record of talking to me. When I send in documents they claim to never have received them. I understand that the CFPB has filed a complaint against  Navient. I know that I am one of the people who has been wronged by Navient.   Please let me know what I need to do to correct this problem that I have had. The loan amount and the payment amount are a huge financial burden on myself and my family. My current estimated payoff date  is  XX/XX/XXXX . I do n't see how I could ever pay this off with the way they are servicing the loan.

Company response to consumer: Closed with explanation