hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2017-02-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (KY)

Complaint:
I have my loans through Navient. About 2 years ago I was forced to pay a much higher monthly payment then when it was XXXX XXXX I complained to them but it did no good. My monthly payment almost doubled from what it was. Since then I 've been making the monthly payments but it has not lowered my balance at all. According to my tax statement half my payment is going toward interest. I lost my job in XXXX and they gave me a six month deferment but I know that will just add more interest. This whole student loan thing seems to be nothing more than a profit making scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
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. (CA)

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and remove from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
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. (IN)

Complaint:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-10
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. (CA)

Complaint:
About XXXX lost my ID SSN and other things on the bus I made a report with Police Station. I have been having problems with things on my credit I tried reaching out to the people on my credit I have not seen any changes. 
1. XXXX XX/XX/XXXX I Mailed a dispute because it is not mine. Have not heard from them yet. It is still on my credit 2. XXXX XX/XX/XXXX This is not my account I mailed a dispute and its still on my credit. 
XXXX XXXX XXXX  XX/XX/XXXX is not mine I mailed a dispute to let them know I did not do this and its on my credit XXXX  XXXX XXXX XXXX. for {$310.00} XX/XX/XXXX this is not mine. I mailed a dispute to let them know

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
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. (NJ)

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 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 non-monetary relief
Consumer complaint received 2023-06-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-04
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (OH)

Complaint:
Midland funding sued me over a debt that I had previously tried to pay on. I talked to a representative at the law firm of XXXX XXXX XXXX XXXX and we settled out of court for a smaller payoff. I paid the first half and was then told that I owed XXXX and some odd dollars and the whole debt would be settled. I told them great I will have that in a couple weeks I was given the number to call to make the payment. I was told that papers would be sent to the court and the whole matter would be written off my credit report and reported settled once I paid the remaining XXXX dollars, there was also a lien put against my name until I paid the amount. I called back 2 to 3 weeks later as agreed upon and was told that I was given the wrong amount for a payoff and now owed XXXX some dollars. I told the woman that an agreement had been made she said they would review the tapes and get back to me later that day. They never called back, so 24 hours later I called again and had to explain the entire situation again. They said we will review the tapes and call you back in 20 minutes. four hours late I had to call them back and the manager finally spoke with me, she said she reviewed the tapes and that yes the girl I had spoken with had said the incorrect amount IE the {$1500.00} dollars and I did in fact owe {$3000.00} dollars and the woman said that the final amount the girl said in the call was {$3000.00}. I argued that no the entire time we spoke I repeatedly said that ok I will pay {$1500.00} and it will be wiped clean and she agreed. The manager finally said that she could do it for {$1500.00} but it had to be that week or it was no longer a deal. I scrambled around, got the money and paid it. I asked for a reciept or something in writing and she would not provide it, she said I 'd have to wait a month for the papers from the court to be mailed to me. I asked when it would be reported to the credit bureaus as settled and she said they did n't report that, someone else does. Well, It has been several months now and I am applying for home loans after spending the past year of my life cleaning up my debts from my younger years such as this one and this debt is still showing that I have an unpaid balance of {$1900.00} and that it has not been settled. I bent over backwards for them and they have n't held up their end of the deal. They obtained the money through scare tactics and fraudulent communications and my credit score is still suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services (NM)

Complaint:
When Public Service Loan Forgiveness was announced, I contact my servicer, ACS to ask about it. I worked for the XXXX  as an XXXX since XXXX  and I have well over 100,000 in student loan debt. I was always on the income based payment plan but the payments were still more than I could afford. They told me that I just needed to stay on the income based plans to qualify and that at the time there was nothing more I needed to do. I followed their advice and stayed on the income based plan. Later, around XXXX, when I believed that I have made at least the 10 years of payments to qualify for the debt forgiveness, I contacted them to ask what I needed to do to apply for it. They told me that I needed to apply through XXXX because I could not apply through them ( ACS ). So I contacted XXXX. XXXX said I had to consolidate my loans with them - none of the payments I had made through ACS qualified for the PSLF program. ACS had given me incorrect information. ACS should have informed me that the type of loans I had with them needed to be refinanced or consolidated into a new type in order to qualify for PSLF instead of telling to continue to make payments for many years. Now I paid for 10 years and all 10 years were for nothing. When I moved my loans to XXXX I started over. Now my loans will be paid off before I will ever qualify for the PSLF program. That was very costly bad advice by ACS. I continue to work for the government - it is my entire career ( I have been a XXXX XXXX for 16 years now ). PSLF was meant to help those of us who dedicate our careers to the government despite crushing debt from private schools - but that is not how the program is operating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Complaint:
LCI is reported a bankruptcy to XXXX, XXXX and Transunion. I contacted XXXX XXXX XXXX Bankruptcy court which they stated they do not verify nor validate information to credit bureaus or any credit monitoring service. LCI is violating the Privacy Act and has not validated information to being accurate on my credit report. I am attaching a letter from the U.S Bankruptcy Court which supports my claim.

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 2022-05-27
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. (GA)

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13
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: Genesis FS Card Services, Inc. (PA)

Complaint:
Late payment remarks by XXXX XXXX XXXX  and milestone Mastercard without consent. They need to be removed for privacy reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Complaint:
I applied for a Capital One credit card- 'XXXX XXXX I read all the disclosures ; since I didn't want a cc with any fees. The disclosure didn't mention a 'membership fee '. I was Approved. Once I received the first payment ; there was a 'Membership Fee ' of {$95.00}. 
I called Capital One and they wouldn't waive the fee. They also said that they have the option to charge some customers the Fee and not charge others. I spoke to a Manager ; and he ignored my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
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: FMS Inc. (ID)

Complaint:
collection agency : FMS INC is a fraudulent account that is reporting on my XXXX credit report. 
Collection amount : {$150.00} assigned XXXX statue date XX/XX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
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 — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (CA)

Complaint:
I ordered an XXXX exercise bike from XXXX XXXX but was charged for a over {$4000.00} treadmill. 
It took me countless hours to resolve this situation with TD Loan who XXXX XXXX uses for their financing. 
I am so upset to have been treated so unprofessionally and now see that my credit has lowered because of them reporting I owe {$4300.00} when I only owe {$2000.00}. 
Im very upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXX 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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc. (CA)

Complaint:
No contract. XXXX charged an early termination fee olus late charges when there was NO CONTRACT

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 2022-10-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE (PA)

Complaint:
This is with regards to Barclays XXXX XXXX XXXX. They took over XXXX card in XX/XX/XXXX and notified customers that the previous online account will no longer be active and the new credit card will arrive in the mail by XXXX XX/XX/XXXX. I called Barclays customer care around the XX/XX/XXXX when I had not received the card and was not able to pay my outstanding bill of {$230.00} for purchases made. The customer service agent said the address they had on file was incorrect, an error made by Barclays during the transfer of account information. As a result I was unable to pay the bill on the due date of XX/XX/XXXX. During the call i requested the agent to waive the late payment charges incurred due to Barclays error with the mailing address. 

I received the card and made the full payment of {$230.00} on XX/XX/XXXX. I also called customer service again to request the waiver of the late payment charges of {$32.00} as of XX/XX/XXXX. He told me it was waived. I received another bill on XX/XX/XXXX of {$67.00} and I started receiving at least XXXX calls a week asking to pay the over due bill. I called customer service again to explain that the problem and request a waiver. The agent told me that there were no charges showing on my account. I decided to close my account on XX/XX/XXXX with Barclays and deactivate my XXXX card because of this nasty experience. I left a message on the site explaining the unfair charges and my reason for leaving. I received another bill on XX/XX/XXXX with an amount of {$110.00} after my account is closed. I wil not pay this because it has been unfairly charged and is nothing but a greedy and fraudulent technique of getting customers to pay.

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 2023-06-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Complaint:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

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 2017-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (SC)

Complaint:
On XX/XX/XXXX my Equifax credit report was showing my current installment loan with XXXX XXXX XXXX and XXXX XXXX credit card which are all in good standing. My credit score was listed as XXXX which really is n't good but this was another issue that I previously filed a complaint on. On XX/XX/XXXX my Equifax report was no-longer showing my current installment loan with XXXX XXXX XXXX and XXXX XXXX credit card. My Credit score has again dropped to XXXX which is getting worse than better. I reached out to Equifax regarding this issue and the response from them was that I need a Credit specialist. So I did meeting with a credit specialist at XXXX XXXX. He couldnt understand why this issue was taking place. I took it upon myself to contact XXXX XXXX XXXX and XXXX XXXX to inquire weather or not that they stopped reporting my history. There response from both companies were the same. They stated that they report to all three credit agencies and would not stop reporting either good or bad information. I am attaching correspondence from my conversations with both XXXX XXXX XXXX and XXXX XXXX. These issues that I 'm having with Equifax is not satisfactory in my book. My next step will need to be seeking Legal Council. All Im looking for is that my credit score be reflect my score of XXXX as it was in XX/XX/XXXX.

Company response to consumer: Closed with explanation