hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2019-07-24
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: CarMax, Inc.

Complaint:
On XX/XX/XXXX I sent a letter to CarMax to provide proof of validation, requesting a copy of the application/form with my wet signature authorizing CarMax to pull my credit on XX/XX/XXXX, XX/XX/XXXX ; if no physical proof is provided to myself within 30 days to please remove this inquiry from my credit report immediately.

They were unwilling to to provide a response to my request for physical proof such as a contract or authorization form or removed such item from reporting to XXXX, XXXX & XXXX as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I have contacted Transunion to have 2 accounts pay status corrected or removed. The accounts : XXXX XXXX XXXX #  XXXX with pay status being ( account included in Bankruptcy, Chapter XXXX ). Transunion provided a document saying after their investigation the record was updated to Chapter XXXX Bankruptcy and date closed was XX/XX/XXXX. First this account was never in a bankruptcy XXXX or XXXX. And the account was sold to another lender XXXX XXXX on XXXX/XXXX/XXXX. This would not match the account being in bankruptcy which they show would come off my report in XX/XX/XXXX which is 7 years so that would be before the date it is sold to another lender. There is no proof of the bankruptcy by reference or number and the dates are inaccurate. 

The XXXX record on my Transunion report have multiple inaccuracies. The report states that the account : XXXX # XXXX with a pay status being ( account included in bankruptcy Chapter XXXX ) Transunion states that upon investigation that the information was verified as accurate. All the dates for this record are incorrect. First the open and close date is incorrect. The record also states that the last payment was made in XX/XX/XXXX which is incorrect. The date closed XX/XX/XXXX is that the date the bankruptcy that there is no proof of even on their credit report was filed and if so why is the estimated date of removal of this record XX/XX/XXXX which would not be 7 years from any of the dates listed on the record? 



The FCRA sections XXXX all reference the details of the accuracy of Credit records and what has to be accurate and the procedure for removal of the records that are inaccurate. These records meet all the criteria and have remained on my credit record causing financial and emotional harm concerning my credit and ability to pursue credit. 

I at the least would want the inaccurate items removed and have considered additional legal action. 

Thank you

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 2023-05-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC

Complaint:
I XXXX XXXX do not owe credence resource management any money. Im asking them to ceast and defrain. All communication should be done by postal service. Stop calling my cell. If u continue to call Ill sue u under fcra law. I request also not to put this account on my credit report as I do not owe this company any money. I understand this company is a debt buyer and I do not have a contract with this company. Ceast now

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.

Complaint:
CACH LLC, won a default judgment against me in XXXX Circuit Court, XXXX, WI in 2016 while I was residing and working on XXXX. I couldn't afford to fly back to XXXX, WI for court so they won this judgment against me and I never had any account or agreement with this company. I know that they bought a debt from a former Credit Card Company that I couldn't make the payments after I lost my job and the credit card company wrote off the debt. They sold it to CACH LLC for whatever amount. I didn't have any type of agreement with this company and I believe they lied in court to win the judgment and now I found out they sent a letter of Wage Garnishment to my current employer where they are taking 20 % of my wages starting with my next paycheck. I can't afford to live with that much money coming out of my check for a company I never owed anything to begin with. I live paycheck to paycheck and don't want to wind up homeless over this. They are not willing to help me in any way. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAC Financial Corp

Complaint:
CAC Financial Corp has placed the debts of those with names like mine on my credit report. The debt was created in XXXX Louisiana, where I have never lived nor been hospitalized. I called XX/XX/XXXX and XX/XX/XXXX, being told each time they could not assist me. This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.

Complaint:
They have elected to apply my payments to interest only, thereby artificially extending the terms of the loans. I can not believe that it is legal to extract interest only payments, I would expect that even in the toughest amortization schedule it would be impossible to never see the principal paid down after 15 months of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.

Complaint:
Navient is a predatory lender like XXXX XXXX whom they purchased loans from. 
My ex husband and I were manipulated in XXXX into consolidating our student loans into what is now the defunct and illegal " spousal consolidation loan ''. 

As of XX/XX/XXXX President Biden signed a law into effect that requires loan servicers to allow those of us trapped in these predatory federal student loans to separate them and consolidate them into DIRECT student loans. 

To begin this process I called the servicer whom I pay monthly ( Navient ) and where my name, social security number and banking info is all saved online. 

I was given a nasty attitude by the customer service rep who answered, and was told that I needed to have my ex husband on the phone before she could have " permission '' to speak to me. 

I explained repeatedly that this is MY loan as well and that all my banking info for payments is saved in their system and that my social security number is attached to the loans. 

I have NEVER experienced this level of nonsense in all my miserable dealings with Navient and this is the final straw for me. 

It is VERY clear to me that Navient wants to do whatever they can to ensure that those of us who've been held XXXX by Spousal Consolidation loans are not going to be able to get information from Navient. 

It is also misogynistic and sick and completely unacceptable for any representative to suggest that a woman can not get information about HER own loan and needs a MAN to be on the phone to verify she can get info about her loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
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:
Hello, I went to my bank to try and get a loan to help my grandmother pay for her XXXX and I was denied. I went home and went on that free credit report site and there e.re some items there are not mine. I would appreciate it if you guys will remove these accounts from my credit 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 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Bread Financial Holdings, Inc.

Complaint:
Comenity bank is reporting a wrong last name linked to my social security. I tried to resolve through their website to no avail. I called and the operator refused to allow me to talk to a manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I asked Transunion for validation for multiple inaccurate accounts that I noticed on my credit report. They still report these accounts every single day and its causing a problem to my health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.

Complaint:
The leased vehicle was traded in and XXXX has confirmed that it is paid off however they refuse to update all XXXX of my bureaus to reflect a zero balance and a zero payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.

Complaint:
This account was settled with the originating creditor prior to being put in for collections. I have not signed a HIPAA release form authorizing this third party creditor access to my medical information and a HIPAA complaint will ensue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.

Complaint:
Called the lender as I am the co-borrower on this loan and I have been making the payments for over 4 years. As a co-borrower I have limited options with this loan. My call today was in response to an email from the lender stating that if having difficulty making payments to contact them, the very first thing offered was " FOREBEARANCE ''  that's what took this loan from {$18000.00} to {$23000.00} courtesy of the lender and borrower acting together. As it turns out the lender will not lower the current APR roughly ( 13 % ) and the only option is to refinance this loan with another lender unfortunately the borrowers Credit Score is below 600 and he suffered a XXXX  in XX/XX/2019 and is unable to work. The lender in question is NAVIENT

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 decrease my monthly payments
Company: Navient Solutions, LLC.

Complaint:
I have several thousand dollars worth of student loans that I have been trying to pay for over six years now. Monthly, it can be hard to make my almost {$200.00} loan payment on top of my other expenses. Even though I am a hard-working woman that help support my family, I still find it hard to financially meet our needs especially with high payments like my student loans. When I tried to apply for an income-based payment plan, I was put on forbearance for four months, which I greatly appreciate it because I was not able to make my payment in this timeframe, But I was not told that this would negatively impact my credit score and that I would continue to collect interest on those loans. When my application finally went through, instead of my payments being lowered they increased over {$100.00}. Making my monthly payment almost {$400.00} a month. I called the customer service line to discuss my options and I was told that because I made too much money I did not qualify for a repayment plan, the only thing that this organization would do for me is to put me on forbearance. I am currently still on forbearance until I can file my XX/XX/2016 taxes showing that my husband and I are filing married but separate in order to be able to get My payments lower. This system makes sure that people that try to better themselves by getting an education are stuck with crippling debt for years to come, with no way of getting ahead.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
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.

Complaint:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

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 2023-01-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.

Complaint:
The original creditor as listed on my credit is XXXX XXXX XXXX XXXX XXXX MAIN APTS the account was open in XXXX but its listed on XXXX as it being open on XX/XX/XXXX I did a 1 year lease. I moved out to another state and they have placed it on my account showing I owe XXXX  which is inaccurate and I have tried contacting them on numerous occasions in order to see how is that possible. It's still showing the account is open and it last reported on XX/XX/XXXX. It's listed as National Credit Systems on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
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.

Complaint:
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 being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion 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 2022-09-06
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.

Complaint:
Hello my due date was changed this account was never late after multiple disputes XXXX refuses to fix this mistake in addition there was a winter storm we lost power and internet for 2 weeks. As you can tell I have Zero late payments and nothing derogatory on my credit report aside from this XXXX mistake they refuse to remove the lease was even paid off 6 months in advance kindly assist me with making XXXX do the ethical correct thing in regards to this issue .I appreciate your help I sent all the supporting documents to the 3 credit agencies only one removed it. I need your help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC

Complaint:
They company contacted me while i was at my place of employment without prior given consent about an alleged debt of my recently passed over father. The company agent XXXX ( employment id # XXXX XXXX stated that they are a third party debt collector and this was an attempt to collect a debt. I know firsthand that i never gave this company my information or approved any institution to distribute my information to this company. This is a violation of many laws protecting my rights as a consumer as well as my right to privacy. Below is a list of the direct violations under federal law according to Title 15 U.S.C.1692 15 U.S.C. 1692b ( 5 ) 15 U.S.C. 1692c ( a ) 15 U.S.C. 1692c ( 1 ) & ( 3 ) 15 U.S.C. 1692d ( 5 ) 15 U.S.C.1692e ( 10 ) This company is aware of the civil liability they have under 15 U.S.C. 1692k.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
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: Experian Information Solutions Inc.

Complaint:
Unauthorized inquires made on my credit reports.

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 2019-02-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
XXXX started this whole ordeal, prior to them taking me off of XXXX XXXX deal with older people getting phone service cheaper. When I saw my TU report that XXXX XXXX, had gotten this, back in XX/XX/2018, I disputed the charges with this agency, but have not been able to dispute this with this collection agency, XXXX I've never got any mail notification, from them since they had gotten it from XXXX since I've gotten this information off my credit report thru TU, back on XX/XX/2018. XXXX is the culprit of this whole ordeal. I told them I wanted a landline phone, with caller ID only, they wouldn't accommodate me. They decided to turn me off completely from their services. So much for Technology.. all XXXX  wants if money!

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 2020-11-16
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:
Two years ago I filed a dispute with Experian regarding a vehicle that I had given back to the lender due to my spouse losing his income. Even though I disputed it, Experian allowed XXXX XXXX to keep reporting the vehicle as a bad debt for five full years. Recently, I received a cashiers check along with a letter of apology from XXXX XXXX for their error. Experian still refuses to remove the offending account from my credit report. 
To add insult to injury, I noticed that when I applied for a loan with my credit union, that Experian has several different credit scores for each consumer ; one for us to see, that, in my case, shows XXXX, but the one they gave my credit union was XXXX? I went to their site to try to ascertain what the issue is and was forced to pay for the privilege. They charged me {$10.00} on XX/XX/2020, then they charged me {$5.00} on XX/XX/2020 and finally they charged me {$16.00} on XX/XX/2020. When I called to find out why all the charges, I was informed that consumers need to pay EACH time they want to look at all the scores Experian has for them. It is time that the Federal Government reign in these PRIVATE organizations that have so much control over our financial lives.

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 2019-09-06
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.

Complaint:
CRA refuses to remove fraudulent items even after FTC AND POLICE REPORT was sent over.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.

Complaint:
My daughter is studying abroad in XXXX so we opened a student credit card for her with Chase with a {$500.00} credit limit. This has been her main source of funds for her daily living expenses since she arrived in XXXX 2022. On XX/XX/2022 she made a {$500.00} payment to the card because she was close to the credit limit. Chase credited the account for this amount but did not make the funds available to her. We called multiple times and Chase said the {$500.00} we sent in would not be available until XXXX XXXX, 2022. This is leaving my daughter without the use of this credit card - one that she is heavily relying on for food, travel and other daily expenses- for an entire week! Chase would not tell us why they are holding the {$500.00}. This looks and feels like theft of funds to us. This is my daughter 's money and they are holding it so she can not use it.

Company response to consumer: Closed with explanation