hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2017-05-10
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.

Complaint:
they continue to verify accounts that have been removed from other CRAs and even have provided with the same information the other CRAs have been provided. Please see CFPB case number  XXXX  for reference of account that should be removed. Fair Collections and outsourcing is not verifying this information per 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 explanation
Consumer complaint received 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint:
The account being reported by XXXX XXXX, XXXX is not valid. The XXXX XXXX  credit card for {$790.00} they are referring to had a policy that was to pay off the account in the event that I became unemployed. 

This policy was offered at the onset and served as Valuable consideration for the formation of the contract. I became unemployed before this account went past due and reported the unemployment to XXXX  XXXX  who both billed for the insurance and offered it from the beginning. XXXX XXXX  received notice that I was unemployed and they knew I had this policy they should have filed a claim. 

As such, XXXX XXXX  is in breach and XXXX XXXX, XXXX is attempting to collect a invalid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
I signed up for a Bank of America checking account and was supposed to be given a {$100.00} bonus if I met the requirements. I verified with multiple customer service people that I met the requirements and have been told each time to give more time for the bonus to post, it has been past the time when they said it would post.

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 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
TO BOTH XXXX AND TRANSUNION I HAVE BEEN DISPUTING THIS ISSUE WITH BOTH XXXX AND TRANSUNION SINCE 2020 ... YOU ARE NOT A CREDIT BUREAU. You are buying and selling information which is against my individual right to privacy pursuant to 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction NO further verification or investigation is required you broke multiple laws and i'm not going to take time out of my day to continuously repeat myself... YOU THE CFPB ( Consumer financial protection bureau ) needs to hold these agencies accountable Both XXXX AND TRANSUNION XXXX NOW. I will bring litigation in regards to this matter are it is very clear laws are being broken. 

DELETE THE FOLLOWING PUBLIC RECORD : XXXX  XXXX BANKRUPTCY - TRANSUNION DISCHARGED XXXX BANKRUPTCY - XXXX these are clearly inaccurate and i've already previously disputed numerous times and have came back as verified by the BOTH of you.

15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction or consent furthermore DELETE THE FOLLOWING XXXX & TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX 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 2018-01-24
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.

Complaint:
XXXX XXXX XXXX XXXX XXXX, IN XXXX Acct # XXXX and XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, TX XXXX are both Subsidiaries of XXXX. I had a loan with XXXX XXXX opened in XX/XX/XXXX that is now charged off. The problem is that this one loan is being reported to all 3 credit bureaus : XXXX, XXXX, and Experian twice.Once by XXXX and once by XXXX XXXX. I have disputed this error many times and just recent as today XX/XX/XXXX I received the results of my dispute and this is still not corrected. I called Experian today and they called XXXX while I was on the phone waiting and was told that since XXXX XXXX  sold the loan to XXXX  and they are two seperate entities that both charge offs will have to stay on my credit report. I had one loan with XXXX XXXX and if they sold the loan to XXXX then one of these two entities will have to stop reporting. Both entities are reporting the same loan and appears to be two seperate charge offs on my credit report for one loan and this has caused me to have lower score than I should. This is a violation of the The Fair Credit Reporting Act, 15 U.S.C. 1681

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optimum Outcomes, Inc.

Complaint:
Dispute were file and certified mail.  XXXX    XXXX   updated and corrected there files.  XXXX  has not investigated or updated there files. This is unfair credit reporting, information that 's not accurate or true. Information reported by  Optimum outc omes for the amount of  XXXX  on  XXXX ,   XXXX   for  XXXX   XXXX    XXXX   XXXX  . Information from  XXXX    XXXX   on  XXXX   XXXX  for  XXXX    XXXX   XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: States Recovery Systems, Inc.

Complaint:
In XX/XX/2019, I received a letter from the company States Recovery Systems , Inc., of XXXX XXXX CA that they are charging me the amount of {$48000.00}, of a suspicious debt from XXXX XXXX XXXX of which I have never been notified, that I do not recognize it And I don't know who? or what is it?. Before this letter, people from this company called me and asked me to speak in XXXX as it is my first language and they refused, insulted me and hung up the phone without giving me an explanation. Now I receive this threatening letter and I am not given details of what it is? Prior to this incident I have an identity theft reported more than a year ago with XXXX XXXX XXXX who have never told me what happened, what research was done, they never wrote to me and I never knew how it happened? Or what happened? Nor did they explain to me how this debt came to my accounts for the amount of {$73000.00} dollars, how the bank lowered it to {$48000.00} and how this happened electronically in my personal accounts at the bank. I ask you to help me because I made a complaint in the police for identity theft and also report it and now I receive these threats without explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
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.

Complaint:
In a previous complainti stated I wanted the XXXX XXXX XXXX to be removed due to this being a fraudulent account. I submitted a credit report. The bearus accepted from the bearus " verified as accurate '' I'm asking this be removed immediately under the Fair Credit Reporting Act. I'm including license and social security to verify my identity

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.

Complaint:
I have my loans through Navient. About 2 years ago I was forced to pay a much higher monthly payment then when it was XXXX XXXX I complained to them but it did no good. My monthly payment almost doubled from what it was. Since then I 've been making the monthly payments but it has not lowered my balance at all. According to my tax statement half my payment is going toward interest. I lost my job in XXXX and they gave me a six month deferment but I know that will just add more interest. This whole student loan thing seems to be nothing more than a profit making scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.

Complaint:
A debt in the amount of XXXX from National Credit Systems is being reported on my credit report. I have requested validation of the debt. The company replied by sending a contract beginning XX/XX/XXXX and expiringXX/XX/XXXX and an account statement stating that my lease expired XX/XX/XXXX. The statement also says that the move out date was XX/XX/XXXX which is incorrect. National Credit System failed to send a lease renewal, a current contract saying that i occupied the complex during the time the charges were put on the account, and transaction history. I have let them know that they are reporting inaccurate information and that there was no contract with the company. I received an automatic message stating that the information is accurate and that it will stay on my report. As you can see the dates do not match up and there was never a renewal of the lease. The complex also received a 30 day written notice. Without the lease RENEWAL, the debt can not be validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC

Complaint:
To TRANSWORLD SYSTEMS INC., and all Agents or Assigns : I am in receipt of your computer-generated letter dated XX/XX/2021, unsigned, unverified, unvalidated statements alleging a debt. 

It is my policy to pay all legitimate debts, but to also not be defrauded by clever schemes. 

Your claims are conditionally accepted provided you furnish me with a claim verified under penalty of perjury. 

I have no recollection of a business relationship with Transworld Systems Inc. ( TRANSWORLD SYSTEMS INC. ). Who are you? Do I have a contract with you? Please send me a certified copy of the contract that exists between XXXX XXXX and Transworld Systems Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
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.

Complaint:
I am requesting for Equifax as well as XXXX XXXX XXXX to remove late remarks from my credit files. I have always paid on time and never been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
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: EQUIFAX, INC.

Complaint:
I am contacting you again because I filed a complaint about Equifax on XX/XX/20 XXXX letting you know that Equifax continues to report fraud opened accounts on my credit report. The accounts for XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX   XXXX XXXX XXXX. All these accounts are FRAUD accounts and need to be deleted and BLOCKED from my Report. They responded saying that my information does not match their records but I have the same information that they just sent me a credit report to. I am asking again that these accounts be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
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.

Complaint:
I am writing you to inform you that under the F.C.R.A Law XXXX XXXX XXXX failed to notify me at least 5 business days before they reported negative items on my credit report for the month of XX/XX/2019. By law whenever a creditor decides to put a negative account on your credit report they have to notify you at least 5 business days before and they failed to do so. XXXX XXXX XXXX failed to follow the F.C.R.A regulations on when they are reporting negative items on my credit report. They have to be compliant, accurate and specific at all times when they decide to put any negative accounts on my credit report. Under the F.C.R.A Law they failed to provide these notices to me. A failure to notify is a failure to report accurately and also a failure to comply. 
Because they failed to notify me, it is an obligation to remove these items, its not a dispute in this, its a fact under the F.C.R.A Law and this negative items must be removed. Also under the F.C.B.A they failed to provide me with an accurate and up to date balance the month they reported this negative item. How do I make sure that the balance wasnt modified or misrepresented at that time causing these accounts to be late?? In reference to this I would like to see up to date balance from this specific month and how it was justified to be late. How can I be sure that my account was late at those times or if this was a calculations error? I dont have the details, so Im asking for whatever evidence or documentation that they have under compliance.

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 2022-04-21
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.

Complaint:
After reviewing my account diligently recently, I have probable cause to believe I have been victim of " forbearance steering ''. 

ORIGINAL PRINCIPAL {$27000.00} ORIGINAL PRINCIPAL {$11000.00} Total payments from XX/XX/XXXX - XX/XX/XXXX = {$41000.00} * ( I am currently attempting to retrieve missing payment amounts from repayment initial start date thru XX/XX/XXXX, as that information has not been made readily available to me by Navient as of yet ). 

I have tallied up 80-90 months of forbearances through the life my loans which I first obtained in XXXX and began the repayment process in XXXX or XXXX. That is over 24 years and my account still has a balance of {$56000.00}. I am seeing XXXX cumulative years toward student loan forgiveness. In fact, I have not ever been counseled on any income-driven repayment program that may have been or is currently available to me, so Navient still has me on a standard repayment plan, which has my chances of any forgiveness set for the year XXXX, when the loan is set to mature. My current loan plan is Graduated Repayment. 

I originally received my loans under the Stafford Loan program ( FFELP- unsubsidized and subsidized ), which was discontinued in XXXX, so I had my federal loans turned into private loans ( not by my choice ) which has made me ineligible for the CARES Act during the Covid-19 pandemic crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-02-23
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: JPMORGAN CHASE & CO.

Complaint:
Hello good Morning. Today at XXXX I began to submit a number of messages to my email for the use of my credit report./ Which I have no intention of. I have evidence of the theft of my information. I appreciate your support and prompt solution. All my credit information was stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC

Complaint:
This account is not mine for the amount of {$240.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
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.

Complaint:
WRONG INFORMATION REPORTING ON EXPERIAN THAT NEEDS REMOVALS OF ALL ITEMS BELOW. 

XXXX XXXX XXXX XX/XX/2022 EXPERIAN XXXX XXXX XXXX  XX/XX/2022 EXPERIAN XXXX BANK XX/XX/2022 EXPERIAN XXXX XXXX XXXX XX/XX/2022 EXPERIAN XXXX XXXX XXXX XX/XX/2022 EXPERIAN XXXXXXXX XXXX XXXX XXXXXXXX EXPERIAN XXXX XX/XX/2022 EXPERIAN XXXX XXXX XXXX XX/XX/2022 EXPERIAN XXXX XXXX XXXX XXXX XXXXXX/XX/2022 EXPERIAN XXXX XXXX XXXX XXXX XX/XX/2022 EXPERIAN XXXXXXXX XXXX XXXX XX/XX/2022 EXPERIAN XXXX XXXX XXXX XXXX XX/XX/2022 EXPERIAN XXXX XXXX XXXX XX/XX/2022 EXPERIAN XXXX XXXX XXXX XX/XX/2022 EXPERIAN

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 2019-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.

Complaint:
Our lender is unable to pull our Equifax report. They are expecting us to pay {$16.00} to activate our credit report and score.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXXs n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2023-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I was a victim of XXXX XXXXXXXX that led me to the hospital for weeks for corrective XXXX and healing. I spoke with capital one about the defendant being the person who stole my phone, had access to the card and the account and processed payments and transactions. Capital one has reported that my balance is over every month and Ive not agreed to my obligations of the credit card but it was found 0 % liability for fraud. The account is closed and reported negative information for 3 months to credit bureaus and that was not the correct balance because of the fraud.

Company response to consumer: Closed with monetary relief