hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2019-12-28
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. (LA)

Complaint:
XXXX and XXXX XXXX should have been in forbearance as I was in a forbearance with another department of education servicer. The XXXX and XXXX Loans should have been in Forbearance since XX/XX/2018 in that the other department of education loans were in forbearance. XXXX and XXXX is reporting 90 day late on credit report but should have been in forbearance. Reference proof of forbearance for other department of education loan.

ACCORDING TO THE STUDENTAID.GOV QUESTION AND ANSWER SECTION ...

Q. Which of my federal student loans are eligible to go into forbearance or stopped collections status?

A. Initially, if you choose forbearance or stopped collections status, it will affect ALL of your federal student loans that are owned by ED and are being serviced by your federal student loan servicer, including loans that are not eligible for borrower defense loan forgiveness, such as ( 1 ) loans taken out to attend another institution, and ( 2 ) any loans you have for which you are not asserting borrower defense. If you select forbearance and you have commercially held FFEL Program loans, ED will request forbearance on your behalf.

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 2020-07-31
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: Sequium Asset Solutions, LLC (AL)

Complaint:
There are incorrect bills being reported to my credit. 1 ) XXXX XXXX  2 ) SEQUIUM ASSET SOLUTIONS, ( a debt collector for XXXX XXXX XXXX The debts are a result of Identity theft previously reported to the above creditors yet they have not removed the accounts from my credit report. I have also previously supplied creditors and the credit companies with information regarding this ID theft and they have failed to properly investigate, remove or stop reporting incorrect collections on my credit report. I have been trying to purchase a home but I can not due to the fraudulent accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Personal information incorrect
Company: NETWORK CAPITAL FUNDING CORP (CA)

Complaint:
Network Capital changed our mailing address without our consent. As a result, some documents that are highly confidential are sent to an unknown address. We asked the company how our address was changed without our consent and they could not find an explanation. Network Capital staff stated that they required all borrowers ' signatures to change a mailing address. However, they could not produce any signed form. Please investigate the process for an address change as this may be negligence due to lack of training or intentional fraud. This investigation is necessary to prevent identity theft from occurring. The address listed in the attached letter is an empty lot.

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 2022-09-01
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. (NC)

Complaint:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These items has been reporting inaccurately.

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 2020-02-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (NJ)

Complaint:
XX/XX/2019, I went online lokking for a car I went to XXXX XXXX XXXX and spoke to XXXX and XXXX they scammed me into getting a XXXX XXXX with cat hair in the back. They tiik {$600.00} from my XXXX XXXX account. I called to take the car back and I spent {$500.00} to get the cat hair out. I took the Car to XXXX XXXX XXXX and had to but cleaning supplies at XXXX XXXX. I paid cash to get the hair out it was in between the seat wear the seat beats were at plus cat urine was so strong. I couldnt get it out. So they placed me upside down in my car loan. I went to XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX SPOKE TO IN PERSON XXXX AND HE DROVE TO XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX. NJ XXXX to pick up the XXXX  XXXX XXXX. The car is a flood damaged car. I almost died in the car. XXXX wouldn't cover a flood damage vehicle. I called XXXX XXXX to have it towed to XXXX XXXX XXXX. I went to XXXX XXXX in XXXX. XXXX XXXX has a deal with them. The mechanic told me. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, NJ XXXX ( XXXX ) XXXX. The other scammers are XXXX XXXX XXXX, Nj XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ( XXXX ) XXXX. They gave me my car fax and thats how I figured out the miles were turned back.

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 2022-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MO)

Complaint:
I graduated from school at the end of XXXX and have been employed by the XXXX XXXX  since XXXX. XXXX XXXXNavient serviced my FFELP loans and I dutifully made payments until XXXX. There have been several times I sought information about loan repayment options, but was never told I had to consolidate my loans with the FedLoans in order to be eligible for the PSLF program. The options I was offered all carried higher interest rates and longer repayment terms. When I spoke with someone at XXXX about loan forgiveness, they told me I would have to consolidate my loans with them and then make another 10 years of payments in order go qualify for debt forgiveness. It was heartbreaking, but I went ahead and consolidated in XXXX of XXXX. 

When the PSLF was expanded, I jumped on the opportunity and was initially turned down. Later, I received a letter stating that my remaining debt was forgiven which was great. However, I made well over 120 payments that qualified for forgiveness but can not get refunded my overpayments because I had not consolidated sooner. I did not know this was an option or even a possibility. If I had known, I absolutely would have jumped on the chance to have my debt forgiven. It seems absurd that my payments toward loan forgiveness count, but only count up until they reach 120 and after that, I was just throwing money away. I know you deal with much bigger issues, but this just seems very unfair. Is there anything that can be done?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below XXXX XXXX XXXX ACCOUNT NUMBER XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
I have reviewed my credit report and I do not recognize nor did I authorize the following Inquiries listed below! 
XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX TX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion HMF - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Used XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  Miscellaneous XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXXXXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion

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 2019-05-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NJ)

Complaint:
Called inXX/XX/XXXX for initial information on repayment and was told to put in forevearance for 2 years.

Called in XX/XX/XXXX, was told to start paying or go back into forevearance, and I did not have other options. Went into forevearance. XX/XX/XXXX received calls once a week for about 6-8 month stating my loans were defaulted. Through several calls back and forth, Navient finally reversed and put into the forevearance state the loans were recommended by them to be in.

Called in XX/XX/XXXXto go over repayment options, was offered IBR, but was still expensive for me with paying private loans. I asked if it takes into consideration my mortgage, car payment, and other student loans. The answer was that it is already factored in off of my taxes which is not true. I was pushed into forebearance again. 
Finally called last week, asked for REPAYE or PAYE options, was told I dont qualify but was not explained why. Again said that with private loans, mortgage, car, insurance etc I can not afford what is being offered, but PAYE or REPAYE would work. I was told this was not an option and I could defer or consolidate, and when asked I was told consolidating loans will not disqualify me from any loan forgiveness options, which is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
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. (NC)

Complaint:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
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. (TX)

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (SC)

Complaint:
I noticed that there are XXXX federal lawsuits against the Navient Corp for the way they handle consumers who requested repayment plans. Exactly what happened to others about their student loan happened to me. I called the company and requested to work a payment arrangement based off income. They said they would get back with me. When I did n't hear from them I went into my loan information online and found they had deferred my loan. This was the second time they had done this in 2 years. I am willing to make the payments, but my income was not going to accommodate the amount they were requiring. This loan comes off deferment next month and I will again call them to arrange payment plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kansas Counselors, Inc. (MO)

Complaint:
XX/XX/2018 and XX/XX/2018 I sent certified letters to Kansas Counselors asking them to validate the debt they are stating belongs to me. I received no correspondence back nor was it removed from my XXXX, XXXX or XXXX Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
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. (GA)

Complaint:
I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; EXPERIAN XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/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 2022-02-18
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 (NV)

Complaint:
Around XX/XX/2022, a card that I had with Capital One was upgraded to a Venture XXXX credit card. At the time of the upgrade, I was told that the card would be a XXXX XXXX Venture XXXX XXXX. I was happy about that because I use the network XXXX more than XXXX XXXX. On XX/XX/2022, I received an email from Capital One explaining the new card benefits, and I replied that the card was XXXX XXXX. I called customer services the same day around XXXX XXXX ( pacific time ) and spoke with XXXX, a rude Senior account supervisor ; XXXX was not professional or showed empathy about the situation I explained to him.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

Complaint:
I have a checking account with Chase bank in the XXXX branch. I had recently filed a fraud claim for {$730.00} and was surprised to find that the bank had rejected my claim. On XX/XX/XXXX, while I was on vacation with my family, the money had been transferred to a XXXX  XXXX bank account, a company that neither me nor anyone close to me banks with. While on vacation, I had to spend a day closing my old account and opening a new one, as well as taking steps to ensure my account was more secure from outside interference. I was really shocked when the bank rejected my claim, because there was absolutely no way for that transaction to take place. The banker that we talked to while on vacation assured me that there was almost no scenario in which I didnt get my money back, so imagine my surprise when, about two weeks after the original incident, I saw that the funds that had been added to my account had been removed once again. That was money that I had planned on using for XXXX XXXX and I would really appreciate some help with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (FL)

Complaint:
On XX/XX/18I called to have my cards replaced. I provided my new address, but the rep failed to take note of my apartment number. Which caused my cards to be returned and my account to be frozen per their policy. I was supposed to be paid today. But since they froze my account over their error, my direct deposit bounced. I called before this on the XX/XX/XXXXasking where my cards were and so they resent another card via XXXX XXXX. I thought I was fine until this happens yesterday. I don’t understand why they must freeze an account instead of blocking any cards that are still active. Now since I was out of work for almost two months I’m behind 30 days on my rent. I was contracted to pay today if not I would be evicted. Now I’m facing eviction bc of their stupid error.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (MI)

Complaint:
I have noticed that Enhanced Recovery Corp has inserted a collection item on my XXXX credit report. It has an opened date of XXXX XXXX, 2016 and a last reported date of XXXX XXXX, 2016. I have never received any communication, written or otherwise, from this alleged creditor and have not received notice of my right to dispute. Their failure to send dunning notice within the 5 day period set forth in FDCPA 809 ( a ) is a violation of that section. 

I do not know this company, I do not believe I owe them anything, I dispute their claim on my credit report, and I demand that they stop all collection activity pursuant to the FDCPA, including illegally furnishing information to the credit bureaus. 

I have never agreed to do business with them, and they are not mentioned on any contract I 've ever signed with anyone. I demand full validation from them, including : 1. A copy of a contract between Enhanced Recovery Corp and myself with my true signature on it, 2. A full accounting of the alleged debt and the dates these events occurred, 3. Proof of assignment or ownership and a full chain of assignment, including what they have paid for this alleged debt, 4. A copy of the contract between me and the original creditor with Enhanced Recovery Corp mentioned showing that they had some interest to protect, 5. Proof that the alleged debt is not outside the statute of limitations, and 6. Proof that they have my consent to slander me on my credit reports, which has to be in writing with my signature on it. Without this proof, they must remove all traces of their slander from my credit reports. 
Under NO circumstances do I authorize or give any consent to Enhanced Recovery Corp to furnish any information to my credit reports, nor to take any actions that would result in an inquiry on my credit reports from their company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Complaint:
I am filing this complaint against XXXX XXXX XXXX. They negatively reported to my credit report and the other borrowers credit report saying we missed a payment while we are in forbearance I started a dispute with all three credit reporting agencies regarding this on the end of XXXX, but XXXX XXXX XXXX informed the credit reporting agencies that they are not going to remove this missed payment and that the information they reported is accurate. ( letter attached. ) XXXX XXXX lending claims that we missed a payment on XX/XX/2020 in this letter. This was false since the servicer at the time was XXXX XXXX and the letter attached shows that they never reported a missed payment for XX/XX/2020 or any other dates as I was never late.

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