hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2019-09-04
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (SC)

Complaint:
On XX/XX/2019 I entered into a legally binding contract with XXXX XXXX to buy another vehicle and pay Ally off in the midst of that contract in the amount of XXXX for their financed vehicle, after XX/XX/2019 any accured charges were the responsibility of that automotive dealers, since there were not recontract of said contract. On XX/XX/2019, Ally attempted to charge my checking account a payment of {$460.00}, of which I stopped since I on XX/XX/2019, paid them off within a legally binding contract with XXXX, and any payments thereafter is the responsibililty of XXXX  to pay said vehicle off. 

On XX/XX/2019 Ally created a check, and sent it to me in the amount of {$310.00} without condition or request. I deposited said check within my checking account, and thereby considered the issue closed, with three days was notified by my bank that said check wasn't honored, now the defense that the payment on the XXXX of XXXX was the reason is without merit, considering as of XX/XX/2019, all issues with shortages were between the dealership and Ally not the consumer, since they had a funded deal with another lender, that vehicle isn't a issue. Additionally Ally is reporting that I have a balance of {$460.00} left on my account, I submit that I have no payments past XX/XX/19 based entirely on a legally binding funded contract with another lender, and that any shortages is to the dealership not the consumer, the payoff quoted on XX/XX/2019, should have been paid as according to the contract, and no additional payments from the consumer is warranted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

Complaint:
I have tried to resolve this issue and still haven't been resolved. 
My rights are still being violated according to FCRA 15 U.S code 1681 Findings and statement of purpose 15 U.S code 6801 Protection of nonpublic personal information 15 U.S code 6802 Obligations with Respect to disclosure -XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Complaint:
On XX/XX/XXXX we did a balance transfer from a Capital One acct ending in XXXX to a XXXX XXXX cc. Capital one put the money in an account that has been closed since XXXX ending in XXXX. After hours on the phone with them they finally discovered their mistake and moved the money from the closed account ( XXXX ) to the account where it was supposed to have gone ( XXXX ). I received a confirmation email from capital one on XX/XX/XXXX. 
On XX/XX/XXXX I received an email from capital one stating I have an overdue balance of over {$5400.00} on the account that had been closed in XXXX ending in ( XXXX ). When I called capital One a woman named XXXX license XXXX stated that despite me being an authorized user on the old closed account ( XXXX ) she would still need to speak with my husband before correcting their mistake. She did acknowledge it was a mistake on their part, she did acknowledge that its inaccurately on our credit reports ( both mine and my husbands ), she did acknowledge that my husband and I called them together in XXXX to correct their original mistake. Despite all of this she will not correct the mistake on their end and mentioned that it was accruing interest every day ( on a balance that was a credit not a debt ) and thats why the balance went from a little over {$4700.00}, which should have been a credit due to balance transfer, to a debt of over {$5400.00}. 
Problem is, which I explain to her, my husband has been working out of town and wont be back until XX/XX/XXXX. Hes in a part of the desert with no reception. He has a satellite text feature but no phone service. When I explain that this was dragging our credit rating into the sewer she said theres nothing she can do. I asked to speak with a supervisor and she said she was the highest person available by phone at all of capital one. 
My complaint is that my, and my husbands, credit is impacted by their mistake, again, and they are not willing to correct it. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: GREAT LAKES (FL)

Complaint:
My complaint is more with the school XXXX XXXX at the university of XXXX XXXX. After graduating with an XXXX at a XXXX college we ( XXXX students ) are offered a 4year XXXX only degree at XXXX with courses costing at graduate cost but despite having all As if a portfolio isnt good enough, they make you take repeated courses at graduate cost. And if they still find you portfolio not good enough, despite having all good grades in courses they can kick you out pf the program and are forced to graduate with a XXXX in a field you never intended in the first place ( XXXX in XXXX XXXX ). We were sold on the dream of one day becoming XXXX and payed a higher price to go to school. I was very close to completing all my credit hours required for the program and despite completing my clases with good grades, I wasted my time and money. I borrowed so much money because fafsa wouldnt cover my tuition because we were forced to pay as graduates but forced to graduate with a XXXX  in XXXX XXXX instead of a XXXX in XXXX. I seeked attorney advice but say its hard to sue public university.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (TN)

Complaint:
I am filing a complaint against Fedloans. I am attempting to get my student loan forgiven through the XXXX XXXX XXXX XXXX program ( XXXX ). I have worked for qualifying agencies for more than 10 years, so I meet this requirement. From XX/XX/XXXX to XX/XX/XXXX, I worked for XXXX XXXX XXXX, and from XX/XX/XXXX to the present I have worked for XXXX XXXX XXXX XXXX. I have provided the required documentation signed by Human Resources officers at both companies proving that I work/worked there. 

My first problem is that Fedloans is saying they havent yet approved/confirmed my current employment. I dont understand what the delay is. I mailed off the signed paperwork last fall. Fedloans approved my employment at XXXX XXXX XXXX but not XXXX. I am 100 percent certain that XXXX is a qualifying company because other people who work there are getting their loans approved and HR told me they dont understand why I have not. When I finally got through to a person at Fedloans ( after no one responded to two separate emails I sent, XX/XX/XXXX and XX/XX/XXXX ), they said there was nothing they could do to expedite the process. They were not willing to talk to HR to confirm my employment. They transferred me to a specialist. After waiting on hold for 1 hour and 20 minutes to speak to the specialist, I finally had to hang up. Because Fedloans is not approving my current employment, I am not eligible for loan forgiveness ( you must currently be employed by a qualifying agency ). 

Other problems I have been unable to resolve with Fedloans : 1 ) I am only being credited with payments made to XXXX. I am not being credited with payments made between XX/XX/XXXX and XX/XX/XXXX. At that time, I was making payments to a different loan company, XXXX XXXX. 
2 ) I am not being credited with two lump sum payments I made, each the equivalent of 6 months of payments : I paid {$710.00} on XXXX and I paid {$710.00} on XXXX. 

Thank you for any help you can provide in resolving this matter. My fear is that Fedloans is going to keep ignoring me until they get out of the student loan business in XX/XX/XXXX and I will miss the deadline for student loan forgiveness eligibility ( XX/XX/XXXX ). 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: KEYCORP (OH)

Complaint:
I did a mobile deposit of a check to Keybank through their mobile bank on Thursday XX/XX/XXXX, when I deposited the check I got a prompt saying my funds would be available on Friday the XXXX. When the funds weren't there I contacted the bank and they told me that my funds would be available until the XXXX taking a hold of XXXX days to my deposit. 

I talked to them and told them that although terms and conditions on my account do mention the possible hold while depositing a check, the prompt on the app saying my funds would be available the next day if I did a mobile deposit was misleading. 

The supervisor at the contact center told me that if that was the case, it would be misleading. Upon checking what the prompt said he confirmed what I said was correct and said that indeed, information could be " clearer '' but that he could not do anything about it. 

Now I stand with Keybank holding my funds and no access to them for what I consider to be negligence for their error while drafting the information on the prompt or misleading information if purposely placed liked that knowing it differs from the information on their terms and conditions that I signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

Complaint:
Synchrony Bank has closed down my XXXX XXXX XXXX store card without my knowledge or consent. I found out about it from my credit monitoring company. The account was in good standing, never late, and it had {$0.00} balance.

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 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Complaint:
Transunion will not conduct a required investigation regarding incomplete information appearing on my credit report ( XXXX  Account # XXXX ) On XX/XX/XXXX, I received a dispute results letter from Transunion XXXX dated XX/XX/XXXX. The letter states that XXXX investigation results are verified as accurate and updated, even though the last update was on XX/XX/XXXX as indicated on the attached report they sent with the investigation results letter. 

This means, Transunion did not investigate my dispute. They ignored my dispute and sent a results letter telling me that my dispute was verified as accurate. Omitted on this report was the notice of dispute notification and the date of my dispute. 

This account is now eligible for immediate deletion.

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 2021-06-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (NY)

Complaint:
When will this bank allow me to open an account and stop refuting they treat me horribke claim relationship is ended and nothing I can do to comeback or change they dont want me as a customer this is illegal this is discimaitory claiming they have the right not to do business with a customer its like they banned me for no Reason I cant get no checking Credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
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:
There are accounts listed on my consumer report that I didn't authorize or have any knowledge of.

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 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Complaint:
ive tried for the longest to shake off these accusations off credit cards, and usage of my credit. Ive went through XXXX XXXX the last 3 years surviving trying to take care of my XXXX XXXX children on my own and having XXXX XXXX I want to clear up this mouth XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OR)

Complaint:
I recently pulled my XXXX credit report along with My EQUIFAX report at the same time an notice wrong names listed within my credit profile. These names are inaccurate an should be removed immediately. 

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 explanation
Consumer complaint received 2022-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

Complaint:
I received partial denial about fraudulent transactions with Amazon ( account # XXXX ). Chase stated that the claim was partially denied because there is a 60 day liability policy which takes effect beginning with the first posted dispute transection. Chase stated that any transaction after XX/XX/2021 is not disputable. Please provide a copy of Deposit Agreement section supporting 60 days requirement as I do not recall receiving the document when I opened the minor 's account. 

I would like to mention again that this is a XXXX XXXX XXXX account. My grandson is in an out of town XXXX XXXX and he did not use his account. He also has limited access to email. The idea of a bank is to guard the money deposited with them. A child with a XXXX XXXX account can not be expected to guard the money and report irregularities! 

My grandson should not be expected to guard the account from fraud. Chase should assume their responsibility for blocking fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
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. (GA)

Complaint:
All inquiries from XX/XX/XXXX and XX/XX/XXXX from both XXXX and TransUnion I disputed several times with both that they were unauthorized

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 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
I have contacted all three credit reporting agency and they are still reporting the samething

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 2017-12-10
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. (NY)

Complaint:
my name is XXXX XXXX my equifax confrmation number is XXXX social XXXX bate of birth XXXX/XXXX/XXXX my complaint is that i talk to equifax serveral times that the XXXX bank card account XXXX along with all thehard inquires from XXXX XXXX and XXXX XXXX and XXXX XXXX and all other hard inquires are fraud and the XXXX XXXX XXXX XXXX refuse to remove all hard inquires and XXXX bank card off my report due to fraud. please talk to these people at equifax. XXXX removes inquires why equifax cant.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (GA)

Complaint:
after viewing my credit report  in XXX 2017 i noticed their were a few items on my file in which i did not apply for nor authorized. i reached out to the companies as well as the credit bureau to dispute them. i obtained a police report and sent to the collection agencies as well as a dispute letter asking for verification bearing my signature. they did not send the verification but in XX/XX/XXXX sent a bill and a letter asking me to send in 2 utility bills and my identification. this is strange to me considering the fact that i sent them a dispute asking for verification in XXX 2017. It has now been well over 30 days and i have not received the verification and the incorrect information is still on my file. This is totally against the law and against FCRA rules. I also reached out to XXXX whom is the original creditors but  there was no resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (IL)

Complaint:
XXXX XXXX XXXX XXXX has been a thorn in my side for many, many years. Their staff & collecting agencies don't know what they are doing, how to run insurances, nor are they properly trained, and their medical practices & procedures go against common medical laws, bordering on medical negligence e.i. life threatening & damaging. It's NOT my fault they refuse to or maybe they just don't know how to run/bill the insurance properly, so I shouldn't have to pay for their wanton thoughtlessness. 
Now, I have 3 types of insurance, and XXXX XXXX has ALL OF Them on file.. XXXX, XXXX and something called Qualified Medical Beneficiary ( QMB ) Program. I will attatch those pictures of the insurances and cards with this to prove it, and it has the dates of coverage on it, so they can't lie and say I wasn't covered or they didn't know either.. But my Children 's information is none of your businesses, therefore I will XXXX them out.. 
XXXX pays about 80 % of everything, XXXX takes care of the rest, and if by some XXXX XXXX chance something else, like a co-pay, deductible, or a coinsurance is owed, XXXX takes care of that little problem. 
So, with those facts in mind, in my conclusion : There is no way on God 's Green Earth do I owe them ANYTHING, period. Now take this off of my credit report, running my credit scores down, ASAP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC (GA)

Complaint:
I SENT A LETTER REQUESTING VERIFICATION. ONLY RECIEVING PHONE CALLS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
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: Security Credit Services, LLC (FL)

Complaint:
I have NEVER done business with this company ever nor the company it states it originates from. I have reached out to both and customer was rude and hung up on me as I tried to explain the truth them

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: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2016-11-18
Product: Debt collection — Payday loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc (GA)

Complaint:
Company trying to collect more money than I originally owe or borrowed. I only borrowed {$800.00} they are trying to collect {$1200.00}. I was not aware of all the additional fees and interested. I tried to resolve the matter several times but the companies failed to call me back. I called the 3rd party law office that has my account to do a settlement on the account they refused and said I have to pay {$1200.00}. The balance owed is more plus additional fees and interest that I can not afford. I have no problem paying what I owed I can barely afford all the additional fees and I was also told that a lawsuit was filed on XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (MD)

Complaint:
I 've sent several letters to Midland Credit Management to validate debt they claim I owe, they have failed to send proper documentation to validate the debt they claim I owe. The last letter I sent was returned back to me as insufficient address, when there notices has the address on there.

Company response to consumer: Closed with explanation