hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2017-06-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (NY)

Complaint:
I recently refinanced my student loans with XXXX refinancing company. On XXXX/2017, a check was disbursed to Discover Student Loans in the amount of {$58000.00}. This disbursement brought my balance with Discover to {$0.00}. My online statements with Discover showed that as of X/XX/2017, my account had been paid in full. On X/17/2017 Discover Student Loans withdrew {$680.00} from my personal bank account. ( I had been on automatic payments with Discover for the lowered interest rate incentive ). On WednesdayXX/XX/XXXX17, I checked my discover account to make sure everything was all set. It was then that I discovered that the balance had been paid off in full on XX/XX/XXXX17, and yet Discover still withdrew my full monthly payment from my account. I contacted Discover and spoke to a supervisor XXXX, about the issue. She looked into my account and verified that the payment of {$680.00} from my personal bank account was taken after the loan was paid in full, and that they had also overcharged the refinancing company, with the final balance of overcharged funds being over {$700.00}. I was assured by XXXX that this was an error on the part of Discover and that my personal bank account would be refunded the full {$680.00}, and the remainder would be refunded to the refinancing company. XXXX told me to expect the refund byXX/XX/XXXX/17 and if I did not see it appear by then to call back. As of XXXX/XXXX/17 at XXXX there was no refund posted to my personal bank account so I called Discover. I asked to speak with XXXX but was directed to another supervisor XXXX. After looking at my account " thoroughly '' and checking previous notes about the situation, XXXX informed me that my refund was being looked at by Discover 's finance department because " there seemed to still be charges on my account ''. At this comment I informed XXXX that my balance was and had been {$0.00} since XXXX/XXXX/17, and that XXXX had assured me that Discover would refund me {$680.00}, because of the overcharge. XXXX informed me he would talk to XXXX onXX/XX/XXXX17 to see if they could straighten things out, but he also led me to believe that I would not be refunded {$680.00}. Over the past year I have had multiple issues with Discover with  overcharging my account, and manipulating my account without informing me. I have previously filed a complaint about this company, and I was given explanation and told that I would have no more issues. I am extremely frustrated by this whole situation, especially since my personal bank account is involved. I know this may be subjective but I ca n't be the only customer this is happening to, and it is very discouraging to essentially not be able to do anything about it. Though I know it may not be a lot to some people, but {$680.00} is a lot of money to me, and I would like to fix this issue and make sure the same is n't happening to other customers out there.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
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: EQUIFAX, INC. (VA)

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (FL)

Complaint:
this is outragous that american express will not notify or send any correspondence regarding a {$2.00} payment that still showed as open even after i had paid the account in full. 
they have never contacted me and reported the account delinquent 30 days even though it was closed. 
i have paid the remaining balance of {$2.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (NJ)

Complaint:
I was upset after I reviewed my XXXX, XXXX and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/2017 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it wasn't recorded on time.

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 2023-08-10
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. (IL)

Complaint:
Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly XXXX  upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly. 

You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

Complaint:
My personal information on all credit bureau agencies are inaccurate. This includes my name, my address, phone contact, and background. I have been denied for falsified information on my report. Overall, I am still receiving these results of misinterpreted of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
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. (DE)

Complaint:
On the day of XX/XX/2023, I submitted claims out to Experian, XXXX, and XXXX. Here is my tracking numbers : Experian- XXXX, XXXX XXXX, XXXX XXXX However the credit bureaus said the completed the investigation and everything was 100 % accurate According to the la 15 U.S.Code $ 1681a - Definitions ; rules of construction The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, triends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowiedge conceming any such items of information. However, such information shal not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who did they talk to. 
How did they complete this investigation

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 2022-10-26
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: Experian Information Solutions Inc. (LA)

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-03-26
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. (FL)

Complaint:
My XXXX XXXX XXXX credit card is showing a late balance which is incorrect. 
XXXX has sent me a letter stating they contact all 3 credit bureaus to correct this information over 1 month ago, information is still showing incorrect on my credit report preventing my score to provide me with refinancing of my property. I am holding all 3 credit bureaus responsible should my refinance be denied or should it cost me to pay more than necessary in interest rate. Attached you will find the letter from XXXX XXXX XXXX XXXX department. 
This information must be corrected immediately. Credit bureaus are liable for wrong information that can cause financial harm to a citizen. I will hold all 3 bureaus responsible should I suffer credit discrimination due to wrong information on my credit report.

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 2021-04-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (IN)

Complaint:
I.Q. Data International , Inc. is attempting to collect on debt that is not due. I paid all monies that were due years ago and had no issues since. Out of the blue I received a letter stating that this debt was due. Additionally, it had more than doubled what I originally paid off to the original creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

Complaint:
My monthly payment is set up on auto pay, in addition to that payment I 've been making principal payments to the loan and requesting that the due date not be advanced. However, the due date was advanced anyway and is currently XXXX 2018. I have contacted Nelnet twice in regards to this, the first and second week of  XX/XX/XXXX and have not received a response back. This is not the first time this has happened to my account, the mistake to the payment application or Nelnet 's  complete lack of response to my inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (AL)

Complaint:
I filed a complaint # XXXX on XX/XX/XXXX on Comenity Bank for not removing an account off of my credit report which they agreed upon by cashing the money order that was enclosed. The letter stated that upon cashing the money order, they agreed to settle the account and also remove the XXXX account off of the credit report. The money order was cashed on XX/XX/XXXX. They claim they never received the letter that accompanied the money order, but they cashed it. Their response through CFPB, the letter that I received, stated that they will not remove the account from the credit report, even though they accepted the terms and conditions by cashing the money order. They also stated in this response letter that all settlements were to be sent to a different address, XXXX XXXX XXXX which the representative did not state. The original letter dated XX/XX/XXXX, they sent me stated that after I spoke to Recovery Department, to send payment to XXXX. XXXX XXXX which I did. They violated the terms that I sent them and are trying to keep from removing the account from my credit report even thought they received the settled amount. Also, the second money order they stated they received had the correct account number on it, which was to a XXXX account. The letter for the XXXX account had the wrong account number ( the XXXX account number ) but the money order had the correct account number. That dollar amount was supposed to be credited to the XXXX account. They have violated the terms agreed upon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-07
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. (NJ)

Complaint:
The due date on my XXXX credit card is the 1st of every month and the reporting day is the 5th of every month. As previously established and carried out. 

I paid the balance of {$210.00} in full on the 4th and on the 5th XXXX cards notified the credit bureaus that I have a full and OVER THE LIMIT balance of {$210.00}!!! This dropped my credit score During this pandemic it is extremely important to have correct information reporting. This balance needs to be corrected and updated immediately. 

I already reached out to them and they are not being proactive with assisting me with the false claim as they are required to BY LAW.

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 2023-02-08
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. (IN)

Complaint:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 5 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 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 2017-12-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Collections U.S.A., L.L.C. (OH)

Complaint:
I mailed a certified validation letter on XXXX XXXX, 2017. Letter was received by company, and I received no validation of debt. They still to the credit bureau, despite not validating the debt belongs to 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 2018-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (TX)

Complaint:
This is my second attempt to have this matter resolved with both the CRA and the Collections Agency neither has been in correspondence with me regarding the issue and it has been over 30+ days. I have asked for account verification of the account that's being reported negatively on my credit report. Please respond with verification. As I know.. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
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. (MN)

Complaint:
Multiple addresses on my report I have never lived at or are not associated with in anyway. Im nervous of identity theft. The only address that should be on my report is on my drivers license.

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 2019-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Complaint:
My credit scores have been affected by a past credit card account that was opened years back without my knowing until recently viewing my full credit report.

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 2023-01-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ACIMA CREDIT, LLC (GA)

Complaint:
On XX/XX/2023 I sent a request for validation of debt to Acima via certified mail ( Tracking no. : XXXX ) with green return receipt which was delivered on XX/XX/2023 and marked as " left with Individual ''. Enclosed in the envelope with the letter was the account number for the account in question, a utility bill for my current mailing address, my Driver 's License for ID purposes, a copy of my social security card, which was also for identification purposes, and a copy of my credit report that shows that they are in fact reporting to my consumer report. 

The letter that Acima has sent back to me is an inadequate response to a request for validation of the debt as they insist that I either do not have an account with them or that they do not have to investigate my request at all because I've asked them in investigate before and they satisfied their duty within the law. This is false. They have not once verified the debt with me or been cooperative in any capacity. They have sent the same letter both times I requested verification and both times they have insisted I do not have an account with them or that the information I have given them is inadequate, even thought I have given them every possible thing piece of identifying information I can give, along with the account number that is listed on the credit report. 

At this point they are practicing willful and negligent noncompliance pursuant to 15 usc 1681n, 15 USC 1681o, as well as being in direct violation of federal law 15 USC 1681a ( 1 ) ( A ) by refusing to investigate or reinvestigate the request for debt validation. 

The dispute does not relate to my identifying information as they have suggested. If they are unable to validate the debt and refusing to follow the law by falsly claiming protections under laws that do not allow to them in this situation then I have no choice but to file a police report for identity theft as I do not assume the debt as my own. I am will not continue sending letters or CFPB complaints for them to ignore, as I have done that for that for the third time now and they are ouright refusing follow federal guidelines that were set in place to protect me, the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF THE WEST (CA)

Complaint:
My name is XXXX XXXX and my social security is XXXX. My account number is XXXX. I hope that someone at Bank of the West can please help me close my account properly and send me a cashier 's check for XXXX as soon as possible. This money was a lifeline to help my business and I out during this difficult time and to be completely honest I really could use the help. The thing is I understand that my account was a personal account but I have a business account at XXXX Bank and I was in the process of transferring the funds from my bank of the west account to XXXX account number XXXX and routing number is XXXX. When I applied for the loan I didn't have my business account finalized so I had to make the choice of using my personal bank of the west account or not have my paperwork in on time and miss the opportunity of getting the loan. I was hoping you would be able to transfer the funds to my business account since you are closing my bank of the west accounts. If you can not do that then If you can please let me know when the cashiers check will be mailed to me as I am really trying to make sure this happens as soon as possible. I really appreciate your help in advance. I hope this complaint gets to the right department as soon as possible.

Company response to consumer: Closed with explanation