hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2018-07-06
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Complaint:
I have two separate complaints, one from XXXX XXXX XXXX XXXX and XXXX for Capitol One. 
XXXX XXXX XXXX XXXX {$27000.00} Opened XX/XX/XXXX Closed XX/XX/XXXX XXXX XXXX XXXX XXXX representative XXXX XXXX told me he would removed this account from my credit report due to my military background and secret clearance issues it would present. Account was paid in full and judgement was removed, however this is still on my credit report. I have filed a dispute with the company and then after with the three credit bureaus. XXXX has deleted the account, however the other two XXXX and XXXX   have not. I am requesting that the two other bureaus remove it from my credit report as well, I am applying for my XXXX XXXX and need to have it removed before my investigation starts. My complaint is with the bank XXXX XXXX XXXX XXXX and the two bureaus XXXX and XXXX since they have not removed or deleted the error on my report as requested. 

Capitol One {$16000.00} Opened XX/XX/XXXX Closed XX/XX/XXXX I am XXXX XXXX military, when I opened this account it was a regular auto loan. I moved from South Carolina to California due to military orders, I requested a modification to my auto loan under the Service Member Civil Relief Act. Capitol One stated they would convert my loan to a military loan and that they would reduce my car payment. Instead they listed me as late multiple times, converted the loan to a charge off account with Capitol One and never told me. I paid my account off in full in XX/XX/XXXX not knowing this error in my account. Once I applied for my secret clearance I was notified of the issue. I have repeatedly tried to work with Capitol One and they refuse to assist me, they cant provide any original documentation showing my change in my account. I have filed a dispute with all three credit bureaus to have this account removed. Instead they changed the wording to a " fix charge '' for my account. Again, due to my XXXX XXXX request and need to have it removed before my investigation starts. My complaint is with the bank Capitol One and the three bureaus XXXX, XXXX and XXXX since they have not removed or deleted the error on my report as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
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. (MD)

Complaint:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
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: EQUIFAX, INC. (AL)

Complaint:
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints State attorney general only I Recently Seen a False Collection from a company I never heard of. Also I do not have a contract with this company and they do not have a license to collect in my state I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The item I am disputing do not relate to any transactions that I have made or authorized. 

I am not liable for the debt with

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (GA)

Complaint:
XXXX XXXX XXXX by Wells Fargo On XX/XX/XXXX we have a withdraw from our business account for the amount of {$31000.00} this is the total withdraw for all my employees for this pay period. 

On XX/XX/XXXX we received a notification from one of our employees that he has closed his bank account so the funds can not be access. We contact our payroll company about this issue and requested the funds back just for this single employee in the amount of {$1200.00}. This amount was return to our account on XX/XX/XXXX. 

We issue a company check to this employee for the same amount {$1200.00} for him to cash and he did it on XX/XX/XXXX ( check # XXXX ) Wells Fargo never contact us back regarding any issues about this in XXXX. 

On XX/XX/XXXX the same check # XXXX for {$1200.00} was cashed again by the same employee ( at this time he is no longer employee ) On XX/XX/XXXX I dispute the charges with my bank ( wells Fargo ) while they investigate they credit my account {$1200.00}. 

On XX/XX/XXXX The bank withdraw the funds back again for {$1200.00}. follow by a letter with reference # XXXX " based upon our research, we have determined the transaction has posted correctly ... .. please consider your claim closed. 

I have been to the branch already 5 times to get a detail explanation why they don't understand that the check was chased twice. in conclusion always get the same response. we can not do anything about it in the branch. You have to escalate it over the phone. 

I have call 3 times to the number the branch manager give to me to escalate the complain and always end up in the same result. We can not transfer you to that department, they will call you back in the next 24 to 48 hours and I have never received the call back. I have already wait 10 business day.

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 2021-02-26
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: Experian Information Solutions Inc. (MO)

Complaint:
The following accounts are not mines nor have I agreed or entered into a contract with any of these frivious companies with these false allegations affecting my credit files. Please send me physical documentation that Supports their claims if not I'm demanding the immediate removal of the following unknown and unauthorized accounts. 

1. XXXX XXXXXXXX XXXX XXXX 2. XXXX XXXX XXXX 3. 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 2022-05-22
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: Radius Global Solutions LLC (GA)

Complaint:
The XXXX XXXX account appearing on my credit report as a Charge Off with a balance of {$1200.00} and or any updated balance is inaccurate and incorrect. The XXXX XXXX account wassettled withRadius Global Solutions. The account balance is reported inaccuratelyand isincorrect. The balance should be XXXX. XXXX failed to provide documentation concerning the accuracy being disputed. XXXX is in direct violations pursuant to The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY.

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 2020-03-25
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SLM CORPORATION (FL)

Complaint:
My son is enrolled at XXXX  XXXX University ( XXXX ).  He applied to Sallie Mae for an education loan online in XX/XX/2019 for {$13.00}, XXXX. He emailed me in XX/XX/2019 asking that I co-sign his loan. I told him that I would have to see the terms and condition first before making a decision. I logged onto the Sallie Mae link he sent and started filling out the application to view his  loan information. I started filling out the required information, but did not complete the application because I disagreed with the loan terms. The main disagreement points were : ( 1 ) it was what I consider to be an excessive interest rate and ( 2 ) it was a Variable Interest Rate loan. My son may have accepted those loan terms,  but as co-signer, I did not accept the loan 's terms because I was shopping around for more favorable loan options. However, I did elect the required " fixed monthly payments of {$25.00} while you [ my son ] are in school and for a separation period of 6 billing  periods thereafter. '' ( Reference : Update on your loan application : Action Required pg 2. Repayment Options para. 1. Accessed via email XX/XX/2019 ). I was surprised to receive an email from Sallie Mae requiring a {$120.00} payment, which I never consented to paying. However, I did make the payment on behalf of my son because he could not afford to and I did not want to damage my credit rating. I believe that in trying to push/sell their high interest variable interest rate loan, Sallie Mae not only cut corners by processing an incomplete application ( mine ), but also approved me as a co-signer without my explicit consent. I consider the aforementioned business actions fraudulent and identity theft. I contacted Sallie Mae on numerous occasions, but to no avail. I have also filed multiple complaints against Sallie Mae, but so far I am still awaiting a satisfactory resolution.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-19
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. (VA)

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my account.

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 2022-05-13
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. (WA)

Complaint:
Please remove all fraudulent accounts I have no knowledge of these accounts due to the Equifax data breach/identity theft. All is being investigated by the FTC according to FCRA 605b. This information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (CA)

Complaint:
In XX/XX/2018, I spoke to XXXX XXXX ( PNC bank rep ) and regarding the service fee charged to my account. XXXX was able to reversed the service fee charges and informed me that the account needs to have XXXX $ minimum balance to avoid being charge again. Hence I made a deposit on the same day ( XX/XX/XXXX ) which gives me a balance of XXXX . But 3 weeks later I get the bank statement with the service fee charge again. Talked to several PNC rep ( XXXX XXXX, XXXX XXXX, XXXX XXXX ) but they are just a waste of time to deal with. I made an typo error in the address change and they informed me that it takes 3 business day to update the address change and can not do any thing until it is updated in their system : Ex 123 AbcAve => should be 123 Abc Ave. In this day of business and technology where information is updated in split seconds, it should not take 3 business days to update the correct address, especially when there is email and text message to verify electronically. I realized PNC bank does not have a good business practice and need to file a complaint. But PNC does not have formal form or procedure to file a complaint, hence no documentation or transparency of complaint is maintained. This is a " Pretty Nasty Company '' ( PNC ) business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
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. (TX)

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX, XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2200.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Credit Karma, LLC (NY)

Complaint:
My identity was compromised. I think it started from credit karma dot com. My account on credit karma was hacked, and the email address as well as the phone number was updated into some unknown ones. So I can't receive my account at all from their automatic recovery. The hacker has got my money from the bank, updated my personal info as well as started lots of fraudulent inquires on three credit bureau. I can't find any contact email or phone number from credit karmas website other than just self recovery process. 
I tried to create another account under my identity, but they even refused that as well. This is very bad experience from credit karma, and I didn't even receive any updates for someone trying to update my email or phone number. I hope credit karma had the real people to handle the issue like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (GA)

Complaint:
Lvnv funding LLC / XXXX XXXX XXXX this debt collection is still on my credit report but have been paid and should be removed asap

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Complaint:
On XX/XX/XXXX at roughly XXXX I received a text alert that there was suspicious activity on my debit card. At this time I was at work on camera at my office in XXXX Ohio. I started work at XXXX and was there until XXXX as always. I did NOT reply to text message instead I immediately checked my bank app and called XXXX XXXX XXXX. These charges were at a XXXX XXXX and an XXXX XXXX in XXXX Ohio, almost XXXX hours away from me. They were debit transactions yet I did have my physical card with me. I had also used my card in XXXX Ohio on my way into work that morning at a XXXX. I did not receive a text warning until the XXXX charge was attempted, therefor XXXX charges were posted already. I did not authorize these charges! I do not know of anyone that would have my information either. I don't know how this happened but I know it was not me. 
On XX/XX/XXXX I received a letter stating that these charges were authorized so I won't get my money back. I have been fighting with XXXX for too long with nothing to show for it. I told them I want cameras checked to prove that it was not me, as I was at work. XXXX stated they don't do that. I did call again and request my dispute be re-opened on XX/XX/XXXX. 

I attempted to get my text message history to prove I never sent an authorization text message. They state I did approve through text. I absolutely did NOT and would not approve this! That was all of my money! 
Also I've spoken to the XXXX XXXX customer service and they said this charge didn't take place. They checked everyday of the week ( XX/XX/XXXX - XX/XX/XXXX ) and there was no charge for this amount at once at all. XXXX XXXX doesn't have my money and neither do I. 

I have spoken to an attorney who told me i am doing all the right things and the next step after this would be small claims court but I don't know how that would go. Who do I go after XXXX? This big bank. 

I also filed a police report in XXXX which will be attached. I have continuously called and emailed XXXX XXXX XXXX since XXXX. I will not give up! 
As of now the XXXX police say unfortunately there are too many cases like this to investigate each one. So they are not even looking into this for me. At least a report was filed. 

My card at the time was immediately deactivated, within an hour of my finding these charges. I acted immediately. 

XXXX XXXX charge was for {$2100.00} ( XXXX XXXX XXXX XXXX Ohio XXXX ) XXXX XXXX charge was for {$440.00} ( XXXX XXXX XXXX XXXX Ohio XXXX )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-16
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: LEXISNEXIS (MI)

Complaint:
LexisNexis, XXXX  XXXX and XXXX doesnt have permission to report on my credit report the information inaccurate and I requested it to be removed Bankruptcy Court doesnt report to these companies however the searches for public reporting and they add information to my credit report third party billing company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings (TX)

Complaint:
i got a collection on my XXXX report that i did not recognize and never receive any validation about the debt. 
Original Creditor : XXXX XXXX and last report was on XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
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. (PA)

Complaint:
On XX/XX/2020 XXXX XXXX .has placed a false inquiry on my credit report that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. They are violating my rights and harming 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 2021-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (CA)

Complaint:
Because of the Covid pandemic I got behind on my monthly payments. Prior to the Pandemic I had a perfect payment history. I was enrolled in a payment program for Chase Bank. I was told that after making XXXX payments of {$310.00} that my account would be back in good standing and could be reinstated. I made the XXXX payments and brought my account into good standing and received a letter from Chase stating that my account was back in good standing. 

My account has not been reinstated nor was I notified of such. I reached out to Chase cusomter service to correct the issue. I spoke with XXXX ( ID # XXXX ) on XXXX and was told a supervisor would call me back. XXXX ( # XXXX ) called me on XXXX and told me she would review the case and get back to me on XXXX. No one called me back. 

On XXXX I called to make my monthly payment of {$220.00} and to inquire on reistating my account. I spoke with XXXX and he referred my to XXXX  ( # XXXX ). He sent me to XXXX ( # XXXX ). XXXX told me that someone did try to call me back although I never receive any voice messages He also stated that there was no record of anyone telling me that my account would not be reinstated. So I am filing this complaint to implore Chase to do the right thing. I have done everything they asked in good faith, now I accept the same in return.

Company response to consumer: Closed with explanation