hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2018-06-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (FL)

Complaint:
i recieved a collection letter from RECEIVABLE MANAGEMENT SERVICES stating i owed XXXX car insurance for XXXX i have informed them and XXXX that i have not had car insurance in my name since XX/XX/XXXX/XX/XX/XXXX the vehicle i own which is a XXXX XXXX XXXX has always been insured under my domestic partner insurance XXXX XXXX XXXX XXXX with XXXX the prior vechicle I had was a XXXX XXXX XXXX that was totaled out by XXXX in XX/XX/XXXX. At which time we bought the XXXX at XXXX XXXX in XXXX Florida and then transfered the insurance from one vehicle to the next.NEVER DID WE EVER NEED OUTSIDE INSURANCE FROM XXXX. I have sent on several occassions to this company the declaration page from XX/XX/XXXX stating when this vehicle was insured and they continue to refuse to remove this debt from my credit report and harass me for a payment. I have been a victim of id theft in the past. I have called and spoke to various people at this company and there has been no resolve. My XXXX XXXX XXXX vehicle has and still has full coverage on it by XXXX XXXX XXXX XXXX with XXXX since the date of purchase.

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 2018-05-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: POPULAR BANK (NY)

Complaint:
On XX/XX/XXXX, I opened an account with XXXX XXXX which is part of Popular Bank, member FDIC. Between early XX/XX/XXXX and mid XX/XX/XXXX, I kept adding funds from other bank accounts. As of today, the account contains close to {$500000.00}. On XX/XX/XXXX, I went online and tried to withdraw {$2000.00} from the account. The system gave me an error message, asking me to call the bank 's customer service. I called customer service and was told that the account was blocked pending " original funds verification ''. Popular Bank never told me that they had blocked my account and that they needed additional information from me. According to the phone representative, they just wait until customers try to withdraw funds before they tell their customers that there's an issue. 
I was asked to email a statement from the bank which originally funded the account at XXXX XXXX to Popular 's fraud department. I did this yesterday afternoon ( XX/XX/XXXX ). This afternoon ( XX/XX/XXXX ) I tried again, unsuccessfully, to withdraw {$2000.00} from the account. I called customer service again and was told that the account is still blocked. The service representative couldn't give me a status update. When I asked to speak with a supervisor I was told that that supervisors are not available and that " someone '' will call me back in 1-2 business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (GA)

Complaint:
On XX/XX/2020, I contacted Experian due to be charged {$19.00} for credit monitoring that I canceled on XX/XX/2020. The customer service representative canceled the paid subscription and said that she was refunding me the {$19.00} for the service and that I would receive an email confirmation of both the service cancellation and the refund. She also stated that it would take 3-5 business days for the refund to show into my account. That time has come and the refund is still not in my account. My bank doesn't hold deposits of any kind so it's not my bank that is holding things up. I've tried several times to call Experian and speak to someone live but their automated system wouldn't allow any transfer to speak to a person. There is no other expedited way to speak to someone at this Credit Reporting Agency.

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 2017-08-29
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Advance America, Cash Advance Centers, Inc. (NC)

Complaint:
On Monday XXXX XXXX, XXXX, my mother received a call from XXXX XXXX regarding a collection that they have for me. They left a voicemail saying they were wanting to know how to locate me. She said she was from the XXXX XXXX XXXX XXXX there is legal litigation being filed against you. 
She said it was court case # XXXX & their phone # is XXXX. 

On Friday, XXXX XXXX XXXX. They proceeded to contact my spouse and he missed the call. A voicemail was left advising him that they were trying to locate me to have me served, they were moving forward with a litigation because I had failed to fulfill my agreement. 
I attempted to return the call, received a voicemail that was full and unable to accept messages. 
They then contacted my husband 's ex-wife. They released the same information to her, advising her they were trying to locate me to have me served, they were moving forward with a litigation because I had failed to fulfill my agreement.

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 2023-01-17
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. (VA)

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX I contacted all three credit bureaus XXXX, Transunion and XXXX about a previous dispute of an account on my credit report for all three bureaus. This charged off account with XXXX XXXX XXXX XXXX account number XXXX currently has a balance of {$850.00} on my Transunion and XXXX report. On my XXXX report is has a balance of {$1500.00}. In XXXX of XXXX This same account had the balance of {$1500.00} in all three credit bureaus. This charged off account balance has change several times from {$850.00} to {$1500.00} without any evidence or reason why. I have ask the credit bureaus to conduct their own investigation into the matters and send me physical evidence of this account belonging to me and verified the amount is correct. They all have failed to do jus that and each month when this account goes up {$1500.00} it brings my score down even more. When I dispute this account, the only thing that happens is they lower balance down to {$850.00} and the cycle starts again. No one is actually doing a proper investigation and just changing the amount without supplying me with the proper proof that this account is accurate and belongs to me. Please assist me in these matters I want to finally build a decent credit score.

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 2022-09-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Complaint:
In accordance with the Fair Credit Reporting ACT XXXX Account # XXXX with XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2015-11-16
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

Complaint:
Say I was seen in emergency room for XXXX I am XXXX yrs old had them when I was XXXX & XXXX. Notmy debt

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
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: Experian Information Solutions Inc. (IL)

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 602 A. Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions.

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 2023-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IN)

Complaint:
I have been a XXXX XXXX XXXX XXXXXXXX. I have supplied various XXXX XXXX XXXX  forms over the years since the program 's inception in XXXX. XXXX was among one of those loan companies. 

My loan information was transferred to the company mentioned in this complaint in XX/XX/XXXX. My payment counts were updated in XX/XX/XXXX. The years XXXX are missing from the count. I am most positive I have made the required XXXX payments needed for forgiveness. I have worked for the same employer since XXXX. 

The company handling my loans has told me on several occasions I will need to wait another 90 days every time they resubmit my account information for updated payment counts. My issue is why it has to be recounted more than twice. Why can't someone stay working on it long enough to figure out the problems with the missing years?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-02
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: BANCO POPULAR DE PUERTO RICO (PR)

Complaint:
I had started a new job, that I never told the bank about because I didn't even have a month working their, and while I was home before going to work one day, ( XX/XX/2019 ) I get a call and text message from my supervisor telling me that agents from the bank are at my job place looking for me, and left a card with the supervisor about my debt.

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 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
The address at XXXX XXXXXXXX XXXX XXXXXXXX XXXX Fl XXXX is not my address. i have never lived at that address

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 2017-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (TX)

Complaint:
Discover Ban k Personal Loan w as paid in full on  XXXX   XXXX ,  2017 . The bank has failed to report to the Credit Bureaus that the loan is paid. The Credit Bureaus still show an outstanding balance of {$4000.00}. I have contacted the Discover Bank more than  two  months ago by telephone. They said to give it time to show on Credit Report. I have a confirmation by email from Discover Bank showing balance paid in full on  XXXX   XXXX ,  2017 . I attempted to file an online dispute with  XXXX   XXXX  and it came back as " automated failed attempt. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (SC)

Complaint:
Discover in response to your response to my previous CFPB complaints. Please see attaached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
*PLEASE NOTE I OPENED 3 COMPLAINTS FOR THIS SAME THING ON XX/XX/2021 : # XXXX ; XXXX ; XXXX ; AND THE COMPLAINTS WERE CLOSED BECAUSE THE LETTER STATED S-OME OF THE INFORMATION PROVIDED SUGGUEST S THAT SOMEONE OTHER THAN MYSELF SUBMITTED THE COMPLAINT. I WOULD APPRECIATE IT THIS COMPLAINT WAS TAKEN SERIOUSLY! I HAVE TO NOW START ANOTHER COMPLAINT WHICH RE-STARTS THE CLOCK FOR THIS TO BE TAKEN CARE OF! XXXX On XX/XX/2021 I sent a letter to this credit reporting agency to have items removed from my credit report along with the list of laws that they violated. 
According to 16 USC 1681 ( a ) ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from a credit report. And by definition according to Truth In Lending, Section 15 USC 1602 ( l ), The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.. By the Legal descriptions and and definitions, the items listed below should not be on my credit report. These accounts you have put on my report has ruined my reputation, and according to 15 USC 1692d ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person puts you in violation of the law. I demand this account be deleted immediately or I have to file litigation due to the stress and impact to my reputation I feel that these accounts are negatively affecting my credit report and costing me thousands of dollars in interest every year, this is not a regular dispute I have filed a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed ASAP. I will not wait another 40 days to receive no response because clearly I am being ignored. I demand these accounts be deleted immediately or I will file for litigation. FCRA 611 ( 15 U.S.C. 1681I ) it clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report it has been over 40 days so they should be deleted promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
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. (MD)

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2021-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (OH)

Complaint:
AGAIN I RECEIVED A LETTER FROM DISCOVER STATING THAT I HAVE NOT FILLED OUT FORM 4506-C THE VERY FIRST TIME I WAS JUST ADVISED TO SIGN MY NAME. 

THEN RECEIVED A LETTER STATING I DIDN'T COMPLY WITH THE DEMANDS. FILLED OUT FORM 4506-C FOR THE SECOND TIME AND UPLOADED IT HERE AS WELL. IF I NEED TO FILL OUT YET ANOTHER 4506-C YOU HAVE TO SUBMIT IT AS I INFORMED YOU BEFORE. BECAUSE ONCE YOU FILL IT OUT AND SUBMIT YOU CAN NO LONGER ACCESS IT. 
SO FOR THE RECORD BOTH HAVE BEEN UPLOADED AS PROOF IN THE COMPLAINTS I HAVE HAD TO SUBMIT. AS I AM UPLOADING PROOF OF THE SECOND TIME I FILLED OUT AND SUBMITTED FORM 4506-C. AS WELL AS NOTARY PAGE OR WHATEVER ITS CALLED. AND AGAIN NO HONEST NOTARY IS WILLING TO NOTARIZE BANK STATEMENTS THAT ARE NOT PRINTED OUT IN FRONT OF THEM INSIDE THE FINANCIAL INSTITUTION THEY ARE FROM. BECAUSE THEY COULD BE HELD LIABLE, FINED AND MAYBE EVEN JAIL. 
FOR NOTARIZING DOCUMENTS THAT ARE NOT PRINTED OUT IN FRONT OF THEM INSIDE THE FINANCIAL INSTITUTION THEY ARE FROM. AGAIN IM ADVISING YOU ARE DEMANDING SOMETHING THAT IS IMPOSSIBLE AND COULD BE ILLEGAL BECAUSE XXXX THE BANK THAT I BANK WITH DOES NOT HAVE A BRANCH IN XXXXXXXX XXXX. AGAIN I HAVE ADVISED YOU OF THIS NUMEROUS TIMES. AND IF DISCOVER HAS A NOTARY THAT WILL NOTARIZE THE DOCUMENT 'S THAT YOU ARE DEMANDING, PLEASE HAVE THEM EMAIL ME SO WE CAN SET UP AN APPOINTMENT. 

IM ALSO UPLOADING STATEMENT. WHEN I GOT APPROVED FOR THE DISCOVER CREDIT CARD XXXX I WAS LIVING AT XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. 

SO NOW I HAVE UPLOADED THREE MONTHS OF BANK STATEMENTS AS YOU HAVE DEMANDED. NOTARY PAGE. 
AGAIN UPLOADING FORM 4506-C FROM XX/XX/2021 THE SECOND TIME THAT I WAS DEMANDED TO FILL OUT. BUT YET THAT FORM IS NEVER MENTIONED ..... EVEN THOUGH I HAVE SUBMITTED PROOF. 
I HAVE UPLOADED XXXX PROOF OF OWNERSHIP. XXXX DEBIT CARD XXXX BANK ACCOUNT. XXXX APP. DISCOVER CREDIT CARD THAT WAS ISSUED TO ME WHEN I LIVED AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID AGAIN. UTILITY BILLS BEARING MY NAME AND PRESENT ADDRESS THAT YOU HAVE ON FILE BECAUSE YOU HAVE USED THAT ADDRESS FOR CORRESPONDENCE. XXXX STATEMENTS BEARING ACCOUNT NUMBER.. PAYMENT TO DISCOVER. 

I HAVE COMPLIED WITH YOUR DEMANDS FROM DAY ONE, AS YOU SEEM TO MAKE STATEMENTS OF INACCURACIES STATING THAT I HAVE NOT. 

PLEASE GIVE ME YOUR FULL NAME ADDRESS AND YOUR POSITION WITH DISCOVER AND THE TIME THAT YOU HAVE BEEN WITH DISCOVER FOR MY PERSONAL RECORDS THANK YOU XXXX XXXX AGAIN IF I NEED TO FILL OUT FORM 4506-C FOR THE THIRD TIME YOU HAVE TO SUBMIT IT ... BECAUSE ONCE YOU FILL IT OUT AND SUBMIT IT, YOU CAN NO LONGER ACCESS IT. 

AS FAR AS I KNOW I HAVE SUBMITTED EVERYTHING THAT YOU HAVE DEMANDED AND SO MUCH MORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
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. (PA)

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : 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 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 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

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 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Complaint:
On XX/XX/2023 I restarted Credit Monitoring with Trans Union. I discontinued the service about 2 months earlier because of chronic inability to sign in. I got no credit probably for months where I didn't engage the process but it would not have been available to me any way because of a problem. I called the Customer Service Line at XXXX first after what seemed to be a contact it followed with an immediate disconnection. Finally i Reached them after 54 minutes of effort. I believe I had been transferred outside the US and that is not a complaint except the background noise was such and the males accent so thick I couldn't understand him until several repetitions of the same question or ask him to repeat back his answer. Today I began trying again to resolve the problem at XXXX again the phone problems connect and immediate disconnect. Since then and perhaps coincidentally or by some other very unusual circumstance I have begun getting false invoices and orders. The person I spoke to had all my information including my Verifying questions. I can not reach any one at the company to help me. Id like to be helped or they refund an amount equal to time i was without service for their inefficiencies and my current term or better still that someone helps me solve the problem. Please help.

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