hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-01-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (AL)

Complaint:
XX/XX/XXXX my social security was deposited into my chime account I had moved it from checking to my XXXX XXXX XXXX. I received a XXXX security alert saying someone was changing phone number to my XXXX to take care of securing my account before I could log in they changed email and password which I couldn't recover then locked me out of XXXX which was changed as well I couldn't recover account then I searched for phone number to XXXX and the number XXXX search results gave a phone number I called they answered XXXX  support I explained they remotely was in my phone and went to XXXX  pay which XXXX was linked to and went to my bank account and transfer money back into checking and then paid themselves from my account.i notified chime and they denied claim said I was apart of it but they never notified me that there was a transaction for XXXX was I trying to pay this person. So right in frt of my eyes it was gone and they won't give it back and I'm afraid it will happen again.. XXXX XXXX XXXX email all cards and no help they made fun of me crying

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
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. (AZ)

Complaint:
I have contacted Experian to dispute several accounts due to identity theft. The first attemptat solving this issues was in XX/XX/2020. I received a letter stating the accounts were verifiedwithout any proof of verification nor my actual signature signing for the authorization ofthese accounts. Since Experian didn't take my concerns seriously I have since received anerroneous amount of inquiries have shown up my report as well. Based on the last letterreceived from Experian a human did not even bother to investigate my complaints. Theletter was very generic and nothing was done to correct the problem. Experian has violatedSection 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15U.S. Code 1681b, Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) & section 605B of theFair Credit Reporting Act ( FCRA ). I have attached all supporting documents for this claim. 

Accounts in question : XXXX  Account number XXXX XXXX Account number XXXX XXXX XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/2020 US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/2020 XXXX Inquiry date : XX/XX/2020 XXXX Inquiry date : XX/XX/2020 XXXX XXXX XXXX Inquiry date : XX/XX/2020 XXXX XXXX XXXX  Inquiry date : XX/XX/2020 XXXX Inquiry date : XX/XX/2020 XXXX XXXX XXXX Inquiry date : XX/XX/2020 XXXX Inquiry date : XX/XX/2020 XXXX XXXX Inquiry date : XX/XX/2020 XXXX XXXX Inquiry date : XX/XX/2020 NXXXX XXXX Inquiry date : XX/XX/2020 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 2021-09-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (VA)

Complaint:
I have been working with FedLoans ( PHEAA ) to get several monthly payments counted as qualifying payments towards PSLF for several years. 

Issue 1 : In XXXX and XX/XX/XXXX, my monthly payment due was $ XXXX/month. During XXXX and XX/XX/XXXX, my loans were transferred from XXXX XXXX to FedLoans, and I was placed in an administrative forbearance without my consent. Despite being in an administrative forbearance, I continued to pay my monthly {$0.00} per month even though no bill was generated. Therefore, I have been trying to get those two months counted as qualifying payments towards PSLF for over seven years. 

I have contacted FedLoans about this issue with no resolution. I then contacted the FedLoans Ombudsman after hearing nothing. I still have heard nothing. 

Issue 2 : In XX/XX/XXXX, I requested that my then-current loan servicer, XXXX XXXX, apply a loan interest reduction under the Servicemembers Civil Relief Act ( SCRA ) since I was serving on XXXX XXXX in the XXXX XXXX XXXX XXXX In that letter, I specifically stated that I did not want to enter into a military forbearance. However, XXXX XXXX placed me into a military forbearance against my wishes. This caused my loans to be in a military forbearance from XX/XX/XXXX through XX/XX/XXXX. ( More info below ). 

In XX/XX/XXXX, my loans were transferred to XXXX XXXX. In XX/XX/XXXX, I worked with XXXX XXXX to correct its mistake. XXXX XXXX requested that the Military Forbearance be removed from my account and that the $ XXXX/month ICR payments be counted toward PSLF. 

Finally, in XX/XX/XXXX, FedLoans removed the military forbearance for the period of XX/XX/XXXX through XX/XX/XXXX. As a result, my qualifying payments were recalculated to include XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to count toward PSLF. However, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were not counted as qualifying payments even though those were still {$0.00} ICR payments. I made several inquiries about why those three months were not counted, and I have never received an update. 

I have contacted FedLoans about this issue with no resolution. I supplied copies of the paper work from XXXX XXXX to XXXX XXXX in that complaint. I then contacted the FedLoans Ombudsman after hearing nothing. I still have heard nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

Complaint:
XXXX XXXX aXXXX XXXX placed a Charge off on my credit reporting statement despite the fact that they were paid off in full and I have records to prove that. The bank got paid the agreed amount of {$2300.00} dollars as a difference between the book value of the vehicle totaled and the balance on my auto loan. The bank sent me a letter to pay within 180 days and I complied by paying the balance in full. Yet the bank decided to place a CHARGE OFF on my credit report. Clearly this is fraud. According to XXXX search I found that When an account displays a status of charge off, it means the account is closed to future use, although the debt is still owed. The credit grantor may continue to report the past due amount and the balance owed. Clearly that is false. The bank was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
Here is the certified mail number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion has failed to complete an investigation that I have sent documented Letters to their office of my intent to sue if they did not remove you in accurate accounts pursuant of the FCRA.Im entitled to 100 % accurate credit report and Trans Union has failed to respond to certified mail that was sent to them.

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 2023-05-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Complaint:
Sharing credit information with unauthorized parties, this isnt legal

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 2022-10-13
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. (GA)

Complaint:
I am submitting this CFPB complaint to follow up the most recent CFPB complaint I submitted to the Credit Bureaus requesting the immediate removal of the disputed accounts and information completely from my Credit file. Under the Fair Credit Reporting Act section 605b, the Credit reporting Agencies are required to remove the disputed accounts and information completely from my Credit File. I also sent a dispute letter to each of the Credit Bureaus on XX/XX/XXXX with complete attachments of my personal information as well as the IDTHEFT REPORT I received from the FTC. Once again, I am looking forward for the immediate removal of the following items completely from my Credit file : XXXX CARD XXXX Balance : {$21000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Balance : {$86000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Bankruptcy : Dismissed XXXX Reference # : XXXX. If the Credit Bureaus claim that the disputed accounts and information belong to me, I require the Credit Bureaus to send me copies of proof of verification or any documents bearing my signature. In the event that the Credit Bureaus can not prove the items ' validity, immediate deletion of the disputed items is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
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: SYNCHRONY FINANCIAL (NY)

Complaint:
I made a payment of {$2200.00} on XX/XX/XXXX. As of today, that payment is not reflected in my available credit. 

I spoke with a online chat and phone customer service representatives on XX/XX/XXXX and I was informed that my credit limit was frozen automatically. The fourth person I spoke to said that if you make any single payment greater than {$500.00}, it is held for 10 days. I asked, " if I made 5 payments of {$440.00} each instead of {$2200.00}, I would have {$2200.00} in available credit? '' And she said, yes. 

This makes no sense. A ten day hold is outrageous considering they've had my money for at least 8 of those days. The 10 day hold harkens back to a time people were mailing in paper checks.

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 2018-06-25
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: JPL Recovery Solutions (CA)

Complaint:
JPL has threatened to garnish my wages from a Online Loan from XXXX. The contract said that my interest rate was 179 % which equals to {$18000.00} for a {$1000.00} loan ... how is that legal? Also, XXXX XXXX the agent was asking very person questions that is non of her business. 

Such as : Why would I get a loan? 
Did I know about the details? 
What was the loan for? 

So JPL has called me work, my father, my mother and threatened them as well. Im happy to pay off the debt but I am not working with JPL.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NY)

Complaint:
On XX/XX/2023 I received an email that my Citi credit card was closed due to inactivity. This came as a shock to me because I had received no advance Notice that such closure was being considered. I was planning to use this card tomorrow to engage in a citi member presale for a concert tickets. I now have no ability to participate, my credit card is closed, I have no idea how this will impact my XXXX XXXX, and I have no way of reopening it in time to participate in the pre-sale. Ive included a screenshot of the statements section of my account, I received all of my statements electronically, and they should appear on the statements site. As you can see, there are no notices that indicate my account was going to be closed other than the day it was closed. I called citi bank and they apologized and said there was nothing they could do, they dont know why that happened, and advise that I would need to open up a new account. This is simply unfair, unjust, and deceptive to consumers.

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 2023-08-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (AR)

Complaint:
I was a victim of a fraudulent attack on my Wells Fargo savings account, where the scammer did the following : On XX/XX/2023 an unknown individual ( s ) fraudulently accessed my Wells Fargo bank accounts and unbeknownst to me, added an extra phone number to my profile. On the same date my email account was inexplicably flooded with thousands of emails from many different websites purporting to confirm that I had just subscribed to their news letters. To address this spamming email issue, I immediately began deleting emails at the rate of as many as 1000 emails per hour. I discussed this event with friends and family and no one suggested that I check my bank account. 

On XX/XX/2023 some unknown individual ( s ) apparently logged into my account and ordered a wire transfer from my savings account in the amount of {$3600.00}. I do not know where or to whom this fraudulent wire was sent. After the wire was issued, Wells Fargo sent an email to my email account while I was away from my computer notifying me about the wire transfer. As soon as I saw that email, about 50 minutes after it was sent, I Immediately called the bank to alert them to the fraudulent transaction. The bank said they would make an effort to retrieve the funds which had been fraudulently transferred. The fraudulently wired funds were not retrieved by the bank nor did the bank provide the account number that the funds were transferred to nor dispute that it was a fraudulent transfer. 

Upon further research of my records, I discovered that the XXXX email coming from my bank, notifying me that an extra phone number had been added to my account, was buried in that massive spamming subscription email attack of XX/XX/2023. It was clear that the spamming attack was designed to conceal the notification email. I did file a police report with the local police department. 

The bank never texted to my primary phone number, the phone number that I personally set into my profile, any of the notifications that could allow me to prevent this theft. 

The bank should have confirmed to my primary phone that a new phone number was attempting to be added. 

Wells Fargo does not dispute that the wire was fraudulent nor has it provided any evidence that it was authorized by 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 monetary relief
Consumer complaint received 2020-07-02
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. (AR)

Complaint:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX XXXX XXXX {$120000.00} XXXXT XXXX {$120000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
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. (TX)

Complaint:
FCRA violations : accounts not mine XXXX Potentially negative Date opened XX/XX/XXXX Balance {$110.00} Status Closed. {$110.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2300.00} Status Account charged off. {$2800.00} written off. {$2300.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$180.00} Status Account charged off. {$180.00} written off. {$180.00} past due as of XX/XX/XXXX. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2023-05-09
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. (OH)

Complaint:
I sent a letter on XX/XX/2022 to XXXX. 
However the credit bureaus said they completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to? 
How did they complete this investigation?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file 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.

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 2023-01-09
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. (TX)

Complaint:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX  Account number : XXXX, XXXX XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX  Account number:XXXXXXXX XXXX  Account number:XXXX XXXX XXXX Account numberXXXX, XXXXXXXX XXXX Account numberXXXXXXXX XXXX XXXX  Account number : XXXX, has violated my rights.

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

15 U.S.C 1681 section 602 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 2022-02-16
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry 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