hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-12-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NH)

Complaint:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX FL XXXX, MA XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MA 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 2023-01-06
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: EQUIFAX, INC. (NY)

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A. (FL)

Complaint:
Have tried to contact Citi Bank by phone and email to pay on past due credit card account account they have not responded we do not want to pay to collection only to Citi Bank who the money is owed to We also want credit reporting agencies to know we have tried to reach out to Citi Bank to pay on this account and Citi is refusing to talk to us we want to dispute because Citi will not give us a chance to pay or repair credit this is not fair to reflect bad on credit and they will not work with us

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 2020-05-23
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (MO)

Complaint:
On XX/XX/2020 I received a phone call from XXXX from Navient I requested to speak with a manager and my request was denied after a very long wait in hold the line was disconnected after the second hold. Same day I received another phone call, this time by XXXX from Navient I verified that I was the intended party, and requested again to speak with a supervisor. I was transferred to XXXX who told me that I owed XXXX I told her what my circumstances were that didn't allow me to work currently. I told her that both schools that I attended were shut down years ago. She clarified that once the company name has been given they were unable to call back the same day. She also clarified that it is considered harrassment. I told her at that time to cease and desist she said it could only be in writing. I asked her for clarification to see if me giving a verbal cease and desist she said no. I said again that I didn't want them calling me anymore.5 minutes after I hung up with her I received a call it was XXXX from Navient I confirmed that the balance was XXXX, the same debt amount. Since XX/XX/XXXX I received phone calls every day multiple times a day with messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
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. (NJ)

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
On XX/XX/XXXX, I contacted TransUnion regarding accounts that are reporting incorrectly. As of today, they have not responded or fixed the issue. The following accounts are in question : The information presented on the account XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5600.00} ) needs to be investigated. Moreover, I know the original creditor XXXX XXXX XXXX XXXX CA, but I have not been contacted by XXXX XXXX XXXX. The Balance amount of {$5600.00} is inflated and inaccurate. I do not recognize this amount and I believe I owe a lower amount. Because of these inaccuracies, I dispute the whole account and I insist that you verify the following dates : Date Opened and Date of First Delinquency. 

The information presented for the account XXXXXXXX XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$140.00} ) is also inaccurate. I bear in mind that the original creditor on this account is a distinct company XXXX XXXX XXXX than the one you indicate. You present erroneous information about the Balance of {$140.00}. You report a higher Balance than the amount I suppose I owe. The problem is that this information is far from truth and I dispute this account, and I also claim a verification of Date Opened and Date of First Delinquency.

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 2020-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (PA)

Complaint:
My unemployment ReliaCard through US Bank has been locked since XX/XX/2020. I am unable to access my account or use my debit card because it is locked. I have called ReliaCard dozens of times within numerous internal departments and with several supervisors in each department. I am repetitively told over and over that there is nothing theycan do to unlock and they have escalated my issue dozens of times. I am about to lose my car and my car insurance already lapsed. I have called the state unemployments office and they said they have no locks on my account. I have called the department of treasury and they have no lock on my account. I have called US Bank and they also do not have a lock on my account. My account was said to have been locked because I spent more than my daily limit was allowed? They needed to verify my identity. I sent them copies of my birth certificate and government issued driver 's license. I still have no answers or can access my account. I am losing everything and the issue is still very unclear to why and how come the lock hasn't been lifted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (MO)

Complaint:
On XX/XX/XXXX I sent out a Debt validation latter to Debt Rec Sol for the amount of XXXX and still nothing from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

Complaint:
In XX/XX/2020, I received a text from XXXX stating I had XXXX XXXX on my computer and to telephone the stated # given on the text to learn more. I immediately called the # and was told that I needed to purchase the latest Firewall so these types of incidents would never get thru to my computer. After relating this to my son, he investigated that the company was NOT XXXX, and called them. My son ( XXXX ) was told by the merchant -- XXXX -- that they were a XXXX party and represented XXXX. When my son told XXXX that we wanted to cancel the service, they refused, even going so far as to send Citibank a fraudulent e-mail that I did NOT write. When XXXX saw the e-mail, he immediately recognized the e-mail to be a screenshot and requested the original email. He was informed by XXXX that the email " was original and PAY the {$840.00} that you owe us. '' Citibank accepted the screenshot and closed the case. In XXXX, Citibank reopened the dispute, and now in XXXX, they have declined the dispute and have decided to endorse XXXX. I have proved various documentations of XXXX harassing me and using different telephone #, texting me that I have messages to my phone from a URL in XXXX that has infiltrated to my phone # that I need to respond. Of course, when I dial these # s, they are NO longer in existence. XXXX XXXX is harassing me, and I do NOT want to have anything to do with this scamming merchant. I also have cancelled my credit card with Citibank since I do NOT think they represent their customers and do NOT investigate claims made of fraudulent merchants. I would like to take a claim out against Citibank for not honoring and investigating disputes of their honored customers and also XXXX for fraudulently representing themselves as XXXX and submitting fraudulent e-mails to Citibank.

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 2023-06-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Monterey Financial Services LLC (TX)

Complaint:
I took a look at my credit report last week on the XXXX of XXXX. I notice that there was a collection from Monterey collections in the amount of {$1900.00}. I tried reaching out to them from a number that I found on XXXX but no one picked up. I have not received any letters or calls about this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (AR)

Complaint:
XXXX I enrolled in XXXX XXXX part time. My XXXX XXXX sent my loan provider ( XXXX ) my letter stating my enrollment. XXXX XXXX XXXX  starts in XXXX. So I called asking to take my direct debit off my account. The agent I talked to suspended it instead. I still had payments coming out. I called about this, I was told they were resubmitting the documents. XX/XX/XXXX comes and I talked to XXXX ( XXXX ) and I was told I was denied half time but don't worry about it, she was resubmitting the request and I have 90 days to make my payment.I call back XX/XX/XXXX. XXXX ( XXXX ) puts in a request for deferment for direct debit to be taken off and the call was dropped. I called back and spoke with XXXX ( XXXX ) who told me I was taking 6 hours which is not part time so I was not eligible for school deferment and that was why my letter was rejected. I was told to log in to the web and re-certify based on my income right now ( which I am currently unemployed ). I called my school and was told XXXX taking 6 hours are considered 1/2 time and I was given wrong information. I called back XX/XX/XXXX and talked to XXXX ( XXXX ) and was told I signed a waiver when I worked for the XXXX XXXX XXXX XXXX and that is why my school loan forgiveness is not attaching to my account. I was told I needed to sign a form to remove the waiver from my account and he was mailing it out to me. I called today XX/XX/XXXX as I still had not gotten the waiver. I talked to XXXX XXXX who transferred me to XXXX ( XXXX ) who was very rude and condescending and let me know that no one had misinformed me of anything on my account. He continued to interrupt me when I tried to explain to him what XXXX told me was wrong ( that I WAS eligible for deferment ) and that EVERY agent missed the waiver.. he was just so rude to the point I screamed at him and hung up. I plan on looking for a new student loan service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

Complaint:
This has finally been resolved, after my calling and complaining for weeks. Now I want to report CITIBANK XXXX Customer Service and executives for allowing a {$3600.00} fraudulent transaction made by XXXX Rent A Car for renting a car I rented for one day to continue to be charged for one month against my credit card. I called XXXX and wrote executive management and I called Citibank XXXX and finally wrote to its CEO. Both companies have had a major breakdown in their customer service protocol and each insists they handled my problem appropriately, as is commonly done and within protocol ... NOT SO!! It took weeks of complaining to get this charge off my credit card. XXXX has an internal allowance and acceptance of fraud. 

I ALSO WANT MY NEW CREDIT CARD WHICH I NEVER RECEIVED BECAUSE OF THE FRAUDULENT {$2000.00} NEGATIVE BALANCE ON 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 monetary relief
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX XXXX must validate these account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. Below is the account that need to be removed : XXXX XXXX XXXX  Balance : {$270.00}

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 2018-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (AZ)

Complaint:
My wife and I " purchased '' points on a timeshare XX/XX/XXXX using Visa card XXXX XXXX XXXX XXXX debited XX/XX/XXXX for {$5300.00} to XXXX  XXXX XXXX XXXX XXXX. We were mislead ( lied to ) in order to make the purchase and disputed the sale from time of purchase. XXXX XXXX, called us XX/XX/XXXX on a recorded line and offered to cancel the contract for this reason. That the contract had never gone through due to identification problems. This was documented and sent to customer service specialist Ms. XXXX XXXX XXXX of Visa. XXXX XXXX ( XXXX XXXX XXXX ) sent papers to sign negating the sale. They said they will keep the money paid, {$5300.00} as part of the settlement for letting us out of our contract. We state that there was never a contract with their own admission as evidence, stated twice on two recorded lines, one ours, one theirs. If there was no valid contract, and there wasn't, they have no right to keep the money and it should be returned. We have an abundance of documentation back and forth showing, without written dispute, that the contract was never in effect. We would be happy to send a file in support of these statements. I am XXXX and my wife is XXXX and financial elder abuse may be a factor here as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (NV)

Complaint:
We ( wife & I ) filed ChapterXXXX XX/XX/XXXX only account in CHAPTERXXXX IRS, Hyundai Finance Co. ( auto loan XXXX XXXX was outside paid direct. On credit report/history Hyundai lists account closed/chapterXXXX or charge off. 36 months no payment history! ChapterXXXX discharged XX/XX/XXXX. Court has vehicle direct allowed claim {$25000.00} we have made 48 payments see payment history, credit bureau 's not reporting all disputes filed no corrections XXXX XXXX ( XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
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: Experian Information Solutions Inc. (MD)

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-03
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: Experian Information Solutions Inc. (NC)

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2020-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Complaint:
I am locked out of my online credit card account with Capial One. Without access to my online account, I can not review and verify the charges, make a payment and, most important, close this account. 

For, " security '', they now require the consumer provide a cell phone number registered iin the USA and in the card owner 's name. After entering in username and password the phone receives a numerical code to be entered to complete the login. That is now a problem for me as I am a XXXX that travels internationally 10 months a year and do not possess such a cell phone. However, in the past I was allowed to receive this code at a USA-based relative 's landline. The relative would then forward the code, I would enter it and obtain access. 
On approximately XX/XX/2020 I was locked out while in Hawaii. I called them and after a one hour conversation they agreed that once again they would send the code to the above described landline and that the problem was permanently resolved. They were wrong. 

On XX/XX/2020, i was locked out while in the XXXX. Their, " toll-free, collect international number '' is not valid from the XXXX! 
I then spent {$20.00} to buy minutes to call on a local cell phone. They would not send the code, as they have in the past, to my relative 's landline. The representative unlocked my account but it would still not accept my password. The screen directed me was to call yet another telephone number which like their other number, was not accessible from the XXXX. 

I need accces so that I can verify the charges and also to cancel this card with the idiotic, " security '' features which I no longer use. The absurdity of their system is although I am locked out and can not review the charges, the card can still be used. This means if unauthorized use has taken place I can not know this. 
If I can not access my account I will not make any payments until XX/XX/2020 when I return to the USA from XXXX. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation