hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

Complaint:
I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$170.00} XXXX XXXX XXXXXXXX****Balance : {$2500.00} XXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-19
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 Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. This is unacceptable and I am very disappointed! REMOVE THIS FRAUD ACCOUNT ASAP!

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 2022-08-30
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. (CA)

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX .... Opened Date XX/XX/XXXX XXXX {$12000.00}, XXXX, XXXX. XXXX .... Opened Date XX/XX/XXXX Balance {$800.00}, XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX. Opened XXXX. XXXX, XXXX XXXX {$19000.00}, XXXX XXXX XXXX .... Opened XXXX. XXXX, XXXX XXXX {$11000.00}, XXXX XXXX XXXX .... Opened XXXX XXXX, XXXX XXXX {$2500.00}, and XXXX XXXX XXXX .... Opened Date XX/XX/XXXX XXXX {$0.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2021-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Complaint:
Im XXXX XXXX and XXXX didnt want to dispute transaction I didnt made. XXXX on XX/XX/XXXX that i wasnt aware of. Please help me transaction was made thru XXXX. Someone open my acct and change the info of one my XXXX recipient. Please please help me. Contact me at 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 monetary relief
Consumer complaint received 2023-09-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ostarch Hilmy & McCauley, PLLC (TX)

Complaint:
I am in receipt of a fraudulent notice of default with a demand for the payment of past due monies from a debt collector named XXXX XXXX XXXX, threatening to place a lien on my homestead. Debt collectors can not make false or misleading statements. For example, they can not lie about the debt they are collecting. XXXX is misrepresenting the nature of the debt he claims I owe. Furthermore, XXXX claims to represent an association as his client. This association does not exist in the State of Texas nor the remaining States and Territories of the XXXX, whether in any various form of incorporation or even a recorded fictitious business name. 
Again, the entity he is demanding payment for from me which, self-servingly, includes his very own legal fees, does not exist. XXXX debt collection practices are seemingly those a reasonable person would perceive as fake, abusive, and contrived by a scammer Additionally, with blatant and complete disregard to The Fair Debt Collection Practices Act ( FDCPA ) a federal law that instructs debt collectors in what they MUST do when attempting to collect certain types of debt, he knowingly and purposely omitted the most important item that he is legally required to furnish me the amount owed. Not only did XXXX purposely disregard the law regarding this, he also failed to provide the amount, in writing, within five days after his initial contact in a validation letter as mandated by the FDCPA. The only alternative to this willful omission would be the public display of his utter and complete incompetence. Competent debt collectors and attorneys are familiar with the basic, minimalistic rules of the FDCPA which they must abide by, including the validation of a debt. Once that takes place, as required by law, the clock starts ticking and the proposed debtor would have 30 days to respond in agreement or disagreement from the date of validation. Instead, XXXX has chosen to ignore the law and demand payment in full for an undisclosed, phantom amount of money within twenty-one days ( 21 ) and threats to foreclose on my homestead if I do not pay an unspecified amount that is unsubstantiated by the required documentation as per FDCPA. XXXX demonstrates his attorney misconduct via his false and misleading statements, his failure to disclose any relevant facts, his hiding of evidence ( if any ), and his indolence to law. He is threatening to take my homestead without justification for a debt I do not owe. The very sad truth of this matter is that XXXX is perpetrating an illicit debt collection scam for his personal financial gain. He should be disciplined for misconduct with haste. His actions are an insult to your profession. XXXX XXXX XXXX is sloppy

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TCF NATIONAL BANK (AZ)

Complaint:
TCF Bank takes too long to send my account info to third party companies like XXXX XXXX that are trying to help people without credit avoid overdraft fees and predatory payday loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

Complaint:
I am a university graduate with federal student loans that are being managed by Navient. Since graduating five years ago I have consolidated these loans and have made all my payments to keep those loans in good standing on an income-based repayment plan. This spring I received the annual reminder from Navient that I needed to submit copies of my federal income tax return for XX/XX/XXXX and an income-driven repayment plan request for my annual recertification. The due date was approaching, but I was in the middle of a move and a job transfer, so I called Navient to make sure they were going to receive the materials on time if I mailed them. I spoke to a representative who looked at my account information and told me that there was actually a window of a couple of months for me to get the materials to them, so I had plenty of time and not to worry. Though the auto-generated letters had due dates on them, the forms I was filling out did not, so I took the agent at her word and mailed the documents a few weeks later. 

OnXX/XX/XXXX I went online to schedule my loan payment for the month, and my minimum payment had more than tripled to over {$1500.00}. In addition, the interest on my loans had been capitalized which means that {$13000.00} of accumulated interest has now been added to the principle loan amount. I called Navient on XX/XX/XXXX and the first representative told me they had the paperwork for my annual recertification and it would take them a few weeks to process it, after which the minimum payment would go down ( which it now has and I have scheduled my payment on time ), but there was nothing they could do about the new principal balance. I then spoke with a manager ( XXXX, XXXX XXXX : XXXX ) who kept insisting that federal regulations would not let them change the principal, what was done was done, and that it had been done because I had let the status of the repayment plan lapse. I asked to speak to a supervisor and was told that their answer would be the same, but that they would call me back within 2448 hours. Over 48 hours later I have received no communication from Navient. 

The misinformation I was fed has increased the balance of my loans by roughly 10 %, which will increase the interest on my loans for the next x number of years that Im repaying them. After contacting Navient in good faith in order to keep my loan status in good standing, and then being misled by Navient, this seems an extremely unfair burden for me to shoulder.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Self Financial Inc. (WA)

Complaint:
This is a continuation to complaint XXXX. Due to direct affects of the pandemic I was unable to respond within timeframe as I was medically incapable of doing such from direct affects of coronavirus. All attachments and arguments still stand and I also am accusing self lender of unethical and unfair operating practices. Self lender in their response makes claims that I owe a debt and notified me. I have repetitively and timely communicated with self about transactions that were unauthorized .Self lender has told me that i owe because i did not report the transactions withing their time period. in the attachments provided by me in case XXXX i have provided proof that is incorrect. I also would like to accuse self lender of taking advantage of me claiming to be a company to help build my credit with securities in place to avoid this very issue. When obtaining a secured credit card it states that the amount secured is the only way to increase limit amount. here is the information gathered directly from self 's web site. https : //www.self.inc/visa-secured-credit-card. to make this more egregious, my maximum limit was a very small fraction of what is said to be owed. i believe XXXX possibly a tad higher ( can provide exact information if needed ) and the card was used for several XXXX dollars at one point and unauthorized. The practices to gain assistance was and continues to be extremally laborious and unethically difficult to gain help. This is all laid out throughout attachments referring back to case XXXX this should be illegal to operate under the platform of aid and support with credit. the process to be eligible to receive a secured credit card calls for healthy and productive habits with their initial credit builder account in which I followed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Hirshberg Acceptance Corporation (MI)

Complaint:
I notice someone checked my credit report who I did not authorize. XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Ad Astra Recovery Services Inc (TX)

Complaint:
Name of Creditor : XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX, KS XXXX XXXX : NET PAY ADVANCE Amount : {$1200.00} Dear Sir or Madam, I am disputing the validity of the debt referred to above. I am not aware of the account number and you have not informed me of the existence of this account. 

I am willing to pay this account IN FULL ( or a settlement percentage, whichever is feasible ) if you agree to immediately delete the account from the credit reporting agencies ( namely XXXX, XXXX and XXXX ) that you have reported to, and validated this account. My sole purpose is to get this item removed from my file. This letter should not be interpreted as recognition of the debt or acknowledgment of liability for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF THE WEST (CA)

Complaint:
1 ) On XX/XX/2021 i opened a checking account without monthly fees and {$250.00} promotion bonus if {$1000.00} per month of any direct deposit was made for 3 consecutive months. Although i complied with their terms ( i attach the promotion page ) i never received the {$250.00} bonus. Since then i met few people who opened a checking account with Bank of the West during that promotion period and still they waiting for their {$250.00} bonus. This is typical " bait and rip off '' tactic. 2 ) XX/XX/2021 i disputed few unothorized/fraudulent items total amount of {$360.00} and employee that i filed the dispute with over the phone told me that the investigation will take 3 months. After few days XX/XX/2021 i received by mail their completed/Bogus investigation denying my claim ( i attach a copy ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
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: EQUIFAX, INC. (TN)

Complaint:
Upon checking my credit report I found that there are fraudulent inquiries on my report I reach out equifax to fix the problem but they did not investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Complaint:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

Complaint:
Chase had restricted and closed my account for a check that they held XXXX days released the money which was done in XXXX. XXXX months later all of sudden my account was restricted and closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: The CBE Group, Inc. (NY)

Complaint:
A previously removed account fro m CBE Group ( acc  #  XXXX  ) was removed from my   XXXX   report on  XXXX   XXXX ,    2017, According to FRCA, I was to be notified within 5 business days that an account  previously removed was to be reinstated. I did not received a notice and that account is back on my  XXXX  collection report. The collection company and  XXXX  are in violation of the FRCA, and this account need to be removed.

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 2021-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current (CO)

Complaint:
XX/XX/XXXX I dispute a charge of {$100.00} from a company by the name of XXXX XXXX. I did not authorize this charge and wasn't aware of who did. On XX/XX/XXXX CURRENT bank denies the dispute and gives no reason why. On XX/XX/XXXX I ask Current for the merchants info and they can't produce. I make them aware that i disagree with their decision because i can't even reach this XXXX business and Current informs me i can't appeal their decision without 1 ) a receipt from the transaction 2 ) a screenshot or some type of document showing i contacted this company Since it's impossible to reach the company and nobody knows how or where to contact them I believe my appeal should be granted! Current disagrees and keeps the {$100.00} This is clearly an instance where the bank is using their corporate power to take advantage of the consumer. It's a simple problem I did not make the purchase therefore i wouldn't have a receipt! This company is in XXXX somewhere and does not come up in a search of the World Wide Web. After further research XXXX  is a type of cryptocurrency and Current bank does not allow purchases at crypto sites! 

Resolution= Please be decent and return the {$100.00} and if the bank can't reach the merchant then release the funds instead of holding!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
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. (NY)

Complaint:
USING XXXX DISCRIMINATORY AND REDLINING PRACTICES TO HIGHLIGHT NEGATIVE AND DEROGATORY INSTANCES IN ORDER TO ASSURE THAT CREDIT DENIAL IS THE OUTCOME FROM BANK AND LENDING INSTITUTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

Complaint:
Equifax is reporting a state tax lien on my credit report. The item has be disputed and it came back verified. I have confirmation that this account has not been verified. I spoke directly to the lien source to dispute the reporting and they notified me that they DO NOT report to any credit reporting agencies via phone, email or fax. I need to know the source of this verified information. I need to see verifiable proof that the information that Equifax is reporting is 100 % accurate and 100 % verifiable. Unless, the credit bureaus have recently started conducted a title searches, which I know they have not. This account is not verified and per the FCRA needs to be deleted immediately. Please give this matter the attention it deserves. If this is not resolved immediately, I will pursue litigation in this matter to enforce my rights under the ( FCRA ) Fair Credit Reporting Act.

Company response to consumer: Closed with explanation