hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2017-06-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
TransUnion is well aware of an identity theft.gov report as per previous rep spoke with the rep tonight said ca n't find report and Transunion is taking more  than 48 hour s to block fraudulent items on credit file

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 2023-06-15
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: CITIBANK, N.A. (SD)

Complaint:
Best buy/citibank is reporting an account on my credit bureau that doesn't belong to me. It doesn't have my social because I've tried to look it up using my social and nothing comes up. This account must belong to someone else as I do not have an account. I have never received a bill saying I owed anything for an account and I have never Applied. I want this account removed from my credit bureau as it is showing a charge off and is significantly hurting my credit. I'm attempting to refinance my house and it is negatively affecting 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 2019-04-19
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. (NC)

Complaint:
I have two accounts that are reporting on my Experian credit report incorrectly. Neither XXXX or XXXX is reporting these accounts. I've been going back and worth with both Experian 's CS Reps and Supervisors to get this issue resolved to no avail. The last straw was a few minutes ago when the Supervisor XXXX was very rude and condescending to me, over the phone. I attempted to ask him how the bank verified I had a loan for a mobile home and he stated they didn't have to verify that information with them. They allowed me to continue to dispute the accounts listed below and they refusing to correct the errors. 


The accounts in question are listed below : * XXXX  XXXX XXXX XXXX - Mobile Home Loan Someone changed the type of account and the last date of last activity. I NEVER had a Mobile Home with XXXX XXXX XXXX XXXX XXXX. I had a Credit Card that is supposed to fall off this XXXX but they changed my date of last activity to XX/XX/XXXX. The last date of payment was XX/XX/XXXX. 

* XXXX XXXX XXXX - Credit Card According to the credit report I pulled in XXXX, this account is scheduled to fall off in XXXX. However, some has changed the last date of activity in their system o reflect XX/XX/XXXX which is incorrect. The last date of payment was XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
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. (FL)

Complaint:
XXXX XXXX XXXX, XXXX SOC SEC # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2015-09-04
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (IL)

Complaint:
As of yesterday, I am XXXX months behind on my private student loans payments through Navient, formerly through XXXX XXXX. They are calling me XXXX times a day. I work a full time and a part time job. But I have XXXX children and am going through a divorce so money is very tight. I have to take care of our immediate physical needs before I pay this predatory loan than is accruing interest at a staggering pace. Private loans also do not offer the same programs that Federal Loans do, so there is no chance of an income based repayment or other options that I could qualify for. Please make them stop calling so much. I 'm trying to work and make money. When I see them calling every hour, it 's a distraction and it 's heartbreaking.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Product: Credit reporting 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: Experian Information Solutions Inc. (PA)

Complaint:
Delete all errors on my credit report and my scores

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 2022-11-28
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. (GA)

Complaint:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Complaint:
I applied for a Capital One Venture X credit card. I was denied, supposedly for too much credit. I called and asked what was the specific issue. The agent would not tell me. I had an ING Direct savings account back in the early 2000s. This is covered all over the internet as to be an issue that Cap1 does not like these customers. Hello, Cap1 bought ING Direct. I am also XXXX man with a husband, retired with substantial assets. There seems to be discrimination issues being practiced at Capital One Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (TX)

Complaint:
I hate to bother you for something so small but I have tried everything from calling to emailing to complaining but Wells Fargo refuses to fix the UNFAIR redemption policy.
<P/>
THE UNFAIR PRACTICE : It is VERY UNFAIR that you can ONLY REDEEM in {$25.00} increments.
No other credit card, that I know, has such a condition.
It is inherently UNFAIR because it always will leave customer SHORT.
If the customer has over {$25.00} or under {$25.00} rewards balance, the customer will always be short and never able to redeem the FULL amount that customer has RIGHTFULLY earned.
It is virtually impossible for the customer to get exact {$25.00} redemption amount, because redemption amounts are calculated at various different levels of 1-3 % 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 2020-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Complaint:
I paid off my credit card on XX/XX/2020. I went by exactly what was owed. Today I called to make sure nothing was charged on my card and found out that there was a finance charge on my account for {$3.00} that posted on XX/XX/2020. I called and spoke with a representative who informed me that it's called residual interest. He stated that residual interest accrues when I don't make a payment in full. I informed him that I make payments on time and I pay above the minimum amount due. But he kept trying to explain something else to me which sounded like a bunch of XXXX!! I used Capital One 's voice prompt machine or whatever you call it to make my payments, always have. When I called to make my final payment the machine gave me what the statement balance and current balance was. That amount was {$270.00}! Not once was residual interest mentioned when I made my final payment. That residual interest that they charged me and might charge me again next month is a way to make money off of us when we pay our accounts off. I'm not paying that and I want it removed from my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-04
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: Bread Financial Holdings, Inc. (ID)

Complaint:
I contacted XXXX XXXX on XX/XX/2018 about fraudulent charges on my XXXX Credit card. I contacted XXXX  about the charges who could not provide any information about the charges and stated that they were not linked to my account. I went into a local store who pulled up my XXXX  account and again had no further information and could not see any information about the charges. I contacted customer service to file a fraud case, they then advised they were submitting a dispute and I would see the XXXX credits on my account. I thought this was kind of odd since I advised this was fraud but I dont know there policies so I thought the rep knew what she was doing. I have not heard or received anything since this date. I know get email that states I have a past due balance of almost double what I reported which appears to be fees. I have not received any notification of a case. I have been sitting on hold for the last hour and will continue to wait as I wait for assistance but this is completely wrong and a perfect example of poor business practice. I was advise the issue would be resolved and was never contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Complaint:
Chase Bank notified me that they were closing my account effective immediately. They closed my XXXX, XXXX, XXXX, and all my credit cards. 

They said they would mail me a check. They did not. Now they are holding onto all my funds in all my accounts because they said I had XXXX party deposits. I was not aware of anyone sending me funds that were not in my name. All I provided to my customers was my Routing number and Account Number. Now Chase is holding onto all my money in both accounts and they have not sent me any communication. The only way I know about this is because I was expecting checks and they neve came.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
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: U.S. BANCORP (WV)

Complaint:
Someone used my Social Security number to apply for a mortgage With US Bank Corp. I contacted US Bank Corp. and they stated they are unable to remove the hard inquiry from my credit report. I have disputed the hard inquiry with all of the credit agencies, and they have stated the inquiry will remain on my report for two years. I would like to have this hard inquiry removed, because during my discussion with US Bankcorp, I was informed by them declined, because I have a lock on my credit, and they determined that it was a fraudulent application. This is not my inquiry, and I dont want it affecting my credit rating. Please take the necessary action to have it removed from my report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: FORD MOTOR CREDIT CO. (GA)

Complaint:
Every day starting from XX/XX/2020 everyday until today XX/XX/2020, the organization called Lincoln financial automotive services calls my phone repeatedly harassing me regarding a late auto payment. Im a XXXX and retired person and my daughter lost her job and has been unable to pay the desired car note amount. My daughter has attempted to work with Lincoln financial automotive services to no avail and they are not willing to work with her or provide her any options.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Complaint:
Received a letter dated XXXX XXXX. Decision to restrict and close account. 
I have had this Bank of America business account for over 10 yrs. And now a decision is made to close based on the business type. Company is an XXXX XXXX and XXXX XXXX company. 
Have never had any banking issues prior. 
Phone number provided to bank closing department where agent read a script but provided no insight or details as to the reason for decision to close. Any further calls to other phone numbers provide direction to call the closing department. Its as weve been targeted with no cause.

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 2017-07-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TN)

Complaint:
My name is XXXX XXXX. This complaint is regarding FedLoan Servicing.
In early XXXX, I submitted documentation to switch some recently consolidated loans to the Pay As You Earn payment plan. It is now late XXXX and I am still not switched over to the new payment plan. I have been forced pay over {$1000.00} more on my loans than what I should be paying under the Pay As You Earn plan. I call every few weeks and they say that they will " have it handled soon '' and that 's the only feedback I can receive from them. I am participating in the PSLF program so I am unable to pay their suggested forbearance rates as they do not count towards my 120 payments. The policy says that it should take 7-10 business days to process a repayment plan change. It is nearly 100 days since I have record of FedLoan Servicing receiving the application to change to Pay As You Earn. I 've attached a picture of the certified mail receipt corroborating this. FedLoan Servicing did not even acknowledge receiving my repayment plan application until XX/XX/XXXX, or nearly 60 days after they actually received it.
While the standard policy is that I only have to make one standard repayment to switch, I 've been forced to make 3 to 4 standard repayments. I have contacted them repeatedly over the past 100 days and have never been able to get my application processed. This is incredibly frustrating, especially since this is not an easy process to begin with and I have done all of my due diligence to get these applications processed.
I will at some point have to consider legal action as FedLoan servicing refuses to process my application, costing me hundreds every month and preventing me from making progress against my PSLF program ( which is a major reason why I have chosen to work at a non-profit ).
I desperately need someones help to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
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: EQUIFAX, INC. (PA)

Complaint:
the following accounts have been disputed on these dates for these reasons : XXXX Incorrect balance, the date reported, and the account type is inaccurate. 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX NA # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX/XXXX # XXXX XXXX XXXX XXXX XXXX  - TOTAL V # XXXX XXXX  XXXX   XXXX XXXX  - XXXX  V # XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX YES XXXX XXXX XXXX XXXX LEG # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
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: EQUIFAX, INC. (GA)

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions Inquiry details XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX View your credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (FL)

Complaint:
GM Financial has incorrectly sent late payment information to the credit reporting agencies. 

This was a new vehicle purchase. There was some sort of problem with the account setup and then this reflected in their website. 

I was getting confusing information from their website - that my account had been cancelled, then access was locked and i couldn't get back in, then couldn't the new account. Then, when I tried to apply payment on several occasions, the system would not accept the payment. 

Then I called the service center to make a payment and the clerk took my payment information and I thought the matter was settled. 

However, a few days later, GM Financial called me to say that they had no information about the payment and I was late. I gave them the payment information again. The lady was very rude and said that there was no record of my previous call and that " no one else is having trouble with making payments on the online system ''. Really? I find that hard to believe. 

After spending an hour on the phone with an agent this week, I was able to get access to my account and will hopefully be able to make payments online. I am up to date on my account and the GM Financial System says I am current and next payment is due XX/XX/XXXX. However, you can not see payments made by calling the call center on their online system. 

If not for the process, system and coordination snafus at GM Financial, the payment would have been on time. 

There has been snafu after snafu dealing with GM Financial. And, they have a message saying there is a new system coming on XX/XX/XXXX. I am fearful this will not go well and I will not be able to apply my payment online. Hopefully this works.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

Complaint:
Toyota financial made my credit drop on a Sunday afternoon 165 pts Toyota financial claims they received a signed contract on XX/XX/2021 the account number is different from what I was given and the company was thru Toyota motor credit Corp that has a different address. He interest rates are different the amounts are different and the flash drive I was given for my copy was blank. The contract that Toyota financial sent consumer financial protection bureau on my first complaint on this was complete fraud. Saying they received signed contract on XX/XX/2021. When if you read the bottom. Of every page in fine print the contract was signed and completed on XX/XX/2021 @ XXXX. ( 14 days after they extended credit to someone I signed a contract with very different numbers ) I came to dealership pre approved with another lender and all of the numbers were different on My contract I signed.

Company response to consumer: Closed with explanation