hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2019-08-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MI)

Complaint:
My lease vehicle was involved in a car accident on XX/XX/XXXX. I was not the driver, my son was driving. I contacted XXXX XXXX to find out what the next steps would be, if my claim was denied. I was told, in a recorded conversation by XXXX XXXX, that " we would need to pick up the vehicle and sell it at auction. We would take that amount off the amount you owe and then we would file a gap coverage claim since all lease vehicles come with gap coverage '' I then called again to the Total Loss department and spoke with a different agent who stated they were waiting for XXXX  to release the vehicle. I contact Progressive and the vehicle was released on XX/XX/XXXX and picked up by XXXX XXXX on XX/XX/XXXX. Immediately after this, I had a credit alert notification that my vehicle was placed as 'Derogatory, Repossession ' My issue is the fact that after numerous calls ( nobody from XXXX XXXX has reached out to me ) I was never once told that if XXXX picked my vehicle up that it would hit my credit as a repo ( this was over 200 points against my credit report ). I am devastated at this. I was never given the option, or choice. It is all in their recorded calls. I have left messages for a supervisor to call me back, and still, not one call. I continued making my lease payments since XX/XX/XXXX so my credit would not have a negative impact. I have never missed a payment, or made a late payment, and now this. No calls to explain to me what is going on.

Please help!

Kind regards - 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 2016-08-18
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (CA)

Complaint:
Although this complaint is related to a previous CFPB complaint, new issues have been raised, and due to the class action level of abuse that collection on this alleged debt represents, I feel that a separate complaint is warranted for the public benefit. This account was disputed from the start, as fraudulent. Chase sold a fraudulent debt to a debt collector, who obtained a judgement without even validating the alleged debt. I have no documentation that proves that I even incurred the debt using an account that I had closed, and was no longer using. At the time, we were in the midst of a refinance, and I panicked and agreed to a payment plan, paying at least three times the original alleged amount owed, because Chase took the past due amount from an amount variously reported as {$350.00} or {$520.00} or {$600.00} ( yes, really ), to their charge-off amount of {$1700.00}. Interestingly, now that I have the time to investigate, I 've discovered that I am not alone in being victimized by these violations of debt collection practice by Chase ... XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
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 — Investigation took more than 30 days
Company: Berlin-Wheeler, Inc. (Kansas) (NV)

Complaint:
XX/XX/XXXX BERLIN-WHEELER-KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX ) XXXX To Whom It May Concern : As you are well aware of, The Fair Credit Reporting Act of XXXX  requires collectors and creditors to furnish accurate and complete information to Credit Reporting Agencies. 
In a recent review of my credit report XXXX which I am enclosing as an attachment ), I have noticed some errors. Please make the following changes : Remove account immediately from credit report as account does not belong to me. 
In the event that you can not fulfill my request by deleting the late payments immediately, please verify the information you have listed as accurate by providing the name of the person supplying this data as well as the manner in which it was provided in order that I may pursue additional legal remedies. 
Sincerely, XXXX XXXX XXXX XXXX SSN-XXX XX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV 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 2023-05-11
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. (TX)

Complaint:
I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

Complaint:
In XXXX of XXXX, we purchased {$14000.00} worth of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which had a XXXX 0 % interest promotion financed through Comenity Capital Bank . This loan ( account number XXXX XXXX XXXX XXXX ) was on a monthly payment plan to ensure the full balance was paid off within the XXXX promotional period. 

Then in XX/XX/XXXX, we made a 2nd purchase which also had a 12-month 0 % interest plan, and was told by the reps at the XXXX & XXXX XXXX XXXX XXXX XXXX FL store that it would be a 2nd/separate loan with its own 12-month 0 % interest promotional period. 

But it was not set up correctly, and the amount from the 2nd loan was added into the first loan which caused the first loan to go into default when its promotional period expired and has kept the account in default the entire time incurring more late fees and penalties until the full balance of both loans was fully paid off. Also, at the same time, the 2nd loan amount was added, and our account was changed to paperless without our consent which caused this issue to go unnoticed for a period of time. 

Once it was discovered, we first tried to contact the XXXX & XXXX in XXXX XXXX XXXXXXXX XXXX store manager who advised us there was nothing he could do, to contact XXXX XXXX the XXXX XXXX XXXX for XXXX XXXX XXXX and Comenity. 

XXXX advised us to submit/open a case with Comenity regarding this, which we did and were promptly denied stating nothing can be done due to it being more than 60-days. XXXX attempted to address this case with Comenity and was also denied for the same reason. 

We attempted to fight this with Comenity Capital Bank on multiple occasions and were told each time that the issue was caused by XXXXXXXX XXXX XXXXXXXX because Comenity wouldn't have added the 2nd loan amount to the first loan unless the instructions from XXXXXXXX XXXX XXXXXXXX indicated to do. 

Each time we requested/demanded for Comenity Capital Bank provide us with documentation/proof that the order was done improperly by XXXX & XXXX. Each time Comenity Customer Care Supervisors refused to do so and claimed that the document doesn't exist due to it being over XXXX ago old though Florida state law requires the retention of all loan origination documents for 7-years. 

The bottom line is, by Comenity Capital Bank improperly added the value of the 2nd loan into the first loan 's 12-month 0 % interest promotional period, it caused that 1st loan to default and incur over XXXX XXXX in penalties and fees. Comenity has refused to remove any of the late fees or penalties while providing zero proof that anything was done improperly by XXXX XXXX  XXXX and they don't seem to have any systems in place to handle anything over 60-days old which allows them to categorically deny any situation like this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

Complaint:
on XX/XX/XXXX an illegal wire transaction from my chase bank account was done and the tranfer {$490.00} dollars from my account to another chase bank account, i was subject to a fraud and money was transfer from my accou, i gived all the information to my bank and copy of the police report and the bank still transferred the money and now chase bank is telling me that they cant do nothing about that .and all they can do is a courtesy call to the party that made the fraud because the transactions is already process, even though they have the other party info, my bank account is on chase bank , a police report is being issued and is a federal police case open but Chase bank did not provide any help gettimng my funds, i hold a busisnes account with CHASE for over XXXX  years

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (OH)

Complaint:
I received a debt collection notice from both Convergent Outsourcing , Inc and XXXX XXXX XXXX XXXX XXXX on behalf of XXXX. I was surprised to receive this because I've never set up an account with T-Mobile and had never received any kind of billing notices from them prior to receiving the debt collection notices. On XX/XX/22 I called Convergent Outsourcing and notified them that I was disputing the debt. The letter they sent me states that if I dispute the debt they must stop collection until they send me the information that shows I owe the debt. As of XX/XX/22 I have not received any correspondence regarding my dispute, but I have received an additional collection notice that was issued on XX/XX/22. 

When I initially called Convergent on XX/XX/22 they also advised me to call XXXX directly to dispute the claim. I did this on the same day. I spoke with XXXX different representatives and they were unable to give me any information regarding the account and wouldn't allow me to dispute anything because I couldn't give them the pin number associated with the account. As I never set up an account I have no way of knowing what this pin number could be and they did not offer me any assistance with this. I also requested that they reach out to the debt collector directly about this as they wouldn't give me any information. They refused to take the debt collection account number when I offered it. 

I would like confirmation that they will cease all debt collection efforts and that this will not affect my credit.

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 2018-05-24
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: BTH Management (CA)

Complaint:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have made a report with the FTC identify theft. Enclosed is a copy of the report. XXXX XXXX, Originated from XXXX XXXX XXXX Amount of {$3500.00} Please block this information from my credit report, pursuant to section 605B of  the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. I have filed a FTC identify theft report enclose in my complaint. 
I appreciate your prompt attention to this matter, and await your reply.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Complaint:
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 : Also states a consumer reporting agency can not furnish an 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. 

These accounts on my credit report I do not recognize. The following accounts are fraud accounts and need to be removed immediately. 
XXXX XXXX XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX XXXX XXXX XXXX  XX/XX/2022. *

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 2021-08-07
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: JDJ Investments, INC. (LA)

Complaint:
I have an account on my credit file from credit bureau services. This account isnt mine and under the FDCPA this a violation of my rites.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
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. (CT)

Complaint:
i called all the 3 credit beauros and tried to remove credit inquires that were made using my identity. i have been a victim of fraude and sent them police reports and they never removed the credit inquires and 1 of  my accounts on XXXX for a car loan.

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 2017-08-09
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Complaint:
Platinum MasterCard Account Ending in XXXX On XX/XX/XXXX I 've noticed for the first time unauthorized transactions on my account. Transactions from XX/XX/XXXX til XX/XX/XXXX from the merchant of XXXX were placed without my knowledge or consent. And from XX/XX/XXXX til today claim is still been investigated without any final decision. It has passed the 90th day of investigation process and also 2 statements after reported. I 've received only credit for unauthorized charges from months XX/XX/XXXX til XX/XX/XXXX. And i 've called 3 times to fraud department to check status. The information ive received over the phone is fraud department still investigating claim.And ill be hearing a resolution soon. And continue to received documents in the mail with also informing me working on claim .. This missing transactions that i have not received any credit is from all XXXX transactions from XX/XX/XXXX til XXXX .Also My account was at credit balance for a total of 2 billing statements after results of the transactions being reversed of the unauthorized transactions .Then Capital one sent me a check for the credit available in my account without any request.. then the fallowing statement capital one charges me for 1 transaction merchant had credit me already for and capital one had credit me for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (NC)

Complaint:
On XX/XX/2022, I reached out to CFPB to resolve an issue I was having with One Main Financial. The complaint ID is XXXX. Due to the nature of the loan or the loan originating out of fraud, One Main Financial agreed to waive all interest and late fees from the account. Per my credit report, they have been reporting the late fees and interest fees after the agreement had been reached. I harassed on a daily about late payments or resuming the payment of the fraudulent loan. When I tried to pay on the balance I was told the account was sent to collections. If the loan was originated fraudulently and One Main Financial is fully aware that this was done on their behalf due to an employee they hired, why are they able to make these reports on my credit profile. I am seeking immediate assistance. I do not think that is ethical they have employees stealing from their customers and then they are able to make reports on your credit profile because they messed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Management Control, Inc. (TX)

Complaint:
This debt was placed on my credit out of nowhere one day. I submitted a complaint about it being connected with identity theft, they told me it would not be acknowledged until I sent the proper paperwork. I sent them a copy of the old police report request as well as a new request which shows the apartment this electric account is connected to resulted from identity theft. They still have not removed this account even after receipt of necessary paperwork from the detective that worked my case. By law if identity theft is involved and recorded they have to remove it after receipt of proper paperwork.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (MA)

Complaint:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't XXXX sued by Cfpb before for not applying payments to consumers accounts correctly?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
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. (ID)

Complaint:
When checking my FICO credit score I found a drop in my credit. When viewing the reason as to why it dropped, it stated a " seriously delinquent '' account reported by Experian. However, when all credit reports were gathered, all accounts were current and paid as agreed without delinquency. When contacting Experian and speaking to a customer service rep, she stated that there was a mistake but that is would have to be elevated to someone else to fix. I have not heard back from them and when I call there is an automated phone directory that never reaches a representative or has a dedicated line to resolve issues that I have. 

Agency : Experian Original contact : XX/XX/2020 Spoke with customer Service : XX/XX/2020 Case Number : XXXX Follow up call:XX/XX/2020 - No response, went through automated phone directory with no resolution. 
Follow up call : XX/XX/2020 - No response, went through automated phone directory with no resolution. 

There is still a reported " Serious Delinquency '' on XX/XX/2020 while current credit reports for XX/XX/2020 state " all accounts paid as agreed ''. 

Thank you

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 2018-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (TX)

Complaint:
I believe my next door neighbor used my personal information to get her electricity on in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Complaint:
I have filed a FTC complaint, and Transunion still refuses to remove the items listed in the complaint. FTC report # XXXX Please remove the items IMMEDIATELY ACCOUNTS : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX  XXXX XXXX {$71.00} XXXX XXXX XXXXXXXX {$860.00} XXXX XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX INQUIRIES-HARD XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  via XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  via XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX SOFT INQUIRIES XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX, XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX via XXXXTRANSUNION XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  via XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX via TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 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