hpe-ai/customer-complaints-train.csv huggingface dataset:
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
DEPT OF ED AND XXXX BOTH HAVE THIS LOAN AND THAT'S FRADULANT. THIS LOAN WAS FORGIVEN BECAUSE OF THE SCHOOL THAT I ATTENED ( XXXX XXXX ) HAS BEEN CLOSED. XXXX HAS REFUSED TO SEND ME MY DOCUMENTS WITH MY WET INK SIGNATURE ON THEM. 

RESCISSION OF CONTRACT " RESCISSION OF CONTRACT. REFUSED FOR CAUSE WITHOUT DISHONOR. I HEREBY RESCIND MY SIGNATURE AND DO NOT CONSENT TO THIS CONTRACT WITH YOUR CORPORATE OFFICE. 
USC ART 1, SEC10, UCC 1-308. CEASE AND DESIST, ACCEPTANCE BY ACQUIESCENCE 72 HOURS

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 2019-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.

Complaint:
Between mid-XX/XX/XXXX through mid-XX/XX/XXXX, someone made purchases through my XXXX account for a game made by " XXXX XXXX ''. I noticed due to the high card balance and I reported it to Chase on XX/XX/XXXX and put a claim into XXXX. XXXX refunded a weeks worth of charges. I attempted to contact XXXX, but there was no direct communication I could find on the web other then form ( would need to submit over 200 forms and their site does not mark which one have been submitted ) Chase did a Fraud investigation however since it was my XXXX account, they cant count it as fraud. Chase then submitted it as a dispute. The dispute lasted 2 months and I followed their instructions, including contacting XXXX and the merchant of the game through a number Chase provided me. Ultimately, XXXX advised me I need to contact the merchant. I was bounced back and forth multiple-times saying if I want a refund, contact the other person ( see the recent email chain attached ). Chase informed they cant do anything as it was digital product, to much time has pass ( even though I filed it within 2 billing cycles ) and  XXXX claims the money is already with the merchant, who does not reply to my request for refunds anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
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: Home Loan Center, Inc.

Complaint:
XXXX XXXX ran the hard credit inquiry without my permission. I neither provided my social number directly to them nor LendingTree indirectly when I made home refinance rate quote, and yet they still managed to pull the credit report. I talked to 5 lenders ( sent by LendingTree ) including XXXX last few weeks, but nobody, except XXXX, pulled the hard report along with employment verification. Its very scary and unimaginable that they can do such things without any oversight.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc.

Complaint:
I have been in contact with  Conn 's on multiple occasions in regards to the reporting of payments made on my account. I have pulled copies of my credit report and have noticed that Conn 's is not correctly reporting payments that are made to my account on time. There are months that were not reported or marked late on one c redit report while the other  XXXX  bureaus has the payment marked as on time. There is conflicting and incorrect information being listed on my credit file which is making it hard to aquire trust and credit from other comp anies. Conn 's representatives has not been helpful in helping to correct my report.  All three credit files reflect different information and I am being reported for late payments in months that I have been on time. Providing false information to the credit bureaus are against the law according to the FRCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.

Complaint:
I took out a private loan in order to attend XXXX XXXX XXXX. I did not know there was a difference between private and federal loans. I graduated ; however, I have not been able to work in the culinary field as the pay was lower than I expected to receive Also, now my payment is {$700.00}. When I was on an income based repayment plan, the payment was only {$320.00}. This is hindering me from a lot of things right now. 

Also, our class went 1.5 weeks of no instruction for a 3 week course. I tried to get the class to come together and complain about it but they were not willing to. So I submitted a letter to XXXX XXXX for them to dispute it on my behalf. When I wrote my initial letter, I stated to them that I would like a refund of that portion of the tuition and that did not have time for tutoring as I worked after school. They denied the request for the reimbursement and offered me tutoring. I reminded him I stated in the letter that I had to work and did not need tutoring. They ended up giving me a store credit for the amount they owed me in tuition. Now I am stuck with a {$63000.00} private loan student loan debt at {$700.00} a month. I am unable to live in better living conditions with my family. It is the biggest bill in my house.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-16
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:
The following accounts and balance listed on my Experian and XXXX credit report are lost/stolen and fraudulent transactions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$450.00}, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, {$590.00}. The credit card accounts and credit cards are lost/stolen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Company incorrectly used my information hindering me from gaining new credit.

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 2020-08-17
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: Experian Information Solutions Inc.

Complaint:
I received a letter from the creditor, XXXX XXXX XXXX, stating that " I did not indicate in my correspondence what specific information I was disputing or requesting to verify ''. This request came from all 3 credit bureaus because I sent the same letter to all. As one can see from the bank response, they are unable to verify/validate the requested information. 

I initially disputed this information on or a/bout XX/XX/20. A subsequent method of verification letter went out on r about XX/XX/20. Today, XX/XX/20, i received a letter in the mail stating the aforementioned. According to my rights under : 1 ) FCRA 611 ( a ) ( 7 ) 2 ) FCRA 611 ( a ) ( 2 ) ( B ) The creditor nor the credit reporting bureau have responded in a timely fashion, or supplied the requested information. For that reason, I want this erroneous account removed permanently from credit report and an updated credit report sent to me from each bureau.

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 2020-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP

Complaint:
I made N agreement with us bank card like all other creditors that I was unemployed and I need help and they agreed to allow me to skip the payments of my card till XXXX starting in XXXX and resume on XX/XX/XXXX and they removed all late, so what they did is they diminished my credit limit to a minimum to force the card to be maxed out of limit and when I called them they said that now, that they agreed to remove all late fees but that they never agreed to allow me to skip those 2 months, there for I lose and my credit rating will drop cause it shows one card account that is maxed out when I was under 50 % on my credit line

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 2021-07-08
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: TOYOTA MOTOR CREDIT CORPORATION

Complaint:
I got these accounts that does not belong to me and i want it to be remove from the 3 credit reporting agencies. 


1. Identity Theft TOYOTA MTR Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
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: General Motors Financial Company, Inc.

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : GM FINANCIAL XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
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:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
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:
My VA Mortgage loan was in active forbearance pursuant to CARES Act but was reported 120 plus days delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
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 was a victim of identity theft and i have a bunch of accounts open in my name that is not mine. I already try contacting the bureaus but they didn't help me and they're customer service was rude. I also submitted a police report and affidavit also letters with all the items that were not mine.

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 2019-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.

Complaint:
XXXX XXXX XXXX is reporting a collection account for XXXX XXXX of XXXX CA. It shows date of last activity XX/XX/XXXX. I have informed them and XXXX that this is in error. The date of last activity was in XXXX and as such it is well beyond the limits for reporting according to FCRA. I have disputed this account and it is ignored. I have requested validation of this account and it has been ignored. This account should no longer be reported on my credit.

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 2023-02-17
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:
Equifax is NOT conducting a reasonable investigation required by Law. Not only is they required by law to go beyond the furnishers of this information but I never requested an investigation due to the fact Equifax never had permissible purpose to furnish anything without my consent. Equifax states that the items I'm disputing are " either currently processing that dispute or has recently provided me with the results '' ... .this is an irrelevant incomplete response to the situation at hand! Equifax are required to have my consent to furnish anything on my consumer report, it is my consumer report. im aware that they get paid Fees to furnish anything whether its correct or not! They are violating numerous of Federal Laws such as the Fair Credit Reporting Act, Gramm Leach Bliley Act and aggravated identity theft for using my information without my consent after being made aware of their actions! I HAVE A RIGHT TO PRIVACY

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
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: Commonwealth Financial Systems, Inc.

Complaint:
this is like the 15 th time i have had to make a report about this credit reporting agencies, XXXX, XXXX and XXXX i have made police reports, ftc affidavids wrote them called them and they still keep putting this fraudulant info on my reports then they take it off to get it back three months later under a different collection agency name, I HAVE HAD AND STILL HAVE FULL COVERAGE MEDICAL INSURANCE FOR THE PAST 11 YEARS NO DEDUCTABLE! AND THEY KEEP PUTINNG THESE FRAUDULANT ACCOUNTS ON MY REPORT, NOW IT SAYS IT IS FROM 3 MONTHS AGO XXXX XXXX XXXX FROM COMMONWEALTH FINANXXXX XXXX XXXX WHICH IS A TOTAL LIE FOR ONE I MOVED TO XXXX XXXX XXXX 7 MONTHS AGO SO I AM NOT EVEN IN THAT COUNTY XXXX PLUS I HAVE INSURANCE THEY ARE SAYING I OWE XXXX XXXX I ASKED FOR WHAT SINCE I DONT EVEN LIVE IN THAT COUNTY THE CREDITOR CAN NOT TELL ME OR HAS NO SIGNITURE NO NOTHING BUT THEY PUT THIS FRAUD ON MY CREDIT!! I AM GETTING SICK AND TIRED OF THISOH BUT THE CAR I PAID OFF IN FULL NEVER LATE IS NOT PUT ON AS GOOD CREDIT BECAUSE I PAID IT OFF THIS IS SUCH A SCAM PLEASE HELP ME THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect

Complaint:
I checked my credit report to find that I had 2 negative medical accounts on my credit profile both which I have no knowledge of. I have never received any bills or notification stating that I owe anything to any medical center nor do I recall going to a medical center for anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings

Complaint:
The communication tactics by XXXX XXXX representatives were obscene and abusive. I called to make a payment over the phone and I was told that my attempted payment amount was absurd and that I should get a job and stop being lazy, among other hurtful language. To top it off, The representative, XXXX, told me that my feelings dont matter to the world and I was better off not in it. This is all during the COVID-19 pandemic and it has been very difficult to find work anywhere while keeping my spirits up. I am also a future XXXX XXXX XXXX who will soon be in a position to protect and serve my country. It pains me to receive this type of verbal abuse knowing I will be protecting this kind of behavior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TD BANK US HOLDING COMPANY

Complaint:
This complaint is regarding the XXXX XXXX account number XXXX, Original Creditor : Nordstrom Card Services, Current Balance {$10000.00}. 

Today, XX/XX/2022, at XXXX XXXX XXXX I received a call with a caller ID XXXX XXXX XXXX 

Since I am a XXXX XXXX, I thought it was from my school and answered. 

When I answered, the representative said she would like to speak with me. 
I thought something was very odd, and I asked, where is this call from? 
Then, the representative said, It is a debt collector, calling from XXXX XXXX. 
I was stunned. 

Also, when I asked why your caller ID showed that you appeared as XXXX XXXX XXXX the lady told me, Because you are a XXXX XXXX we wanted to work with you and help you. 
I was speechless. 

When I previously contacted via a chat through XXXX XXXX website regarding any settlement options available, I disclosed that I am a XXXX XXXX to the representative I had a conversation with, XXXX XXXX, who was very pleasant and kind to discuss available options for me. 

However, todays call and the conversation I had today, not only violated Fair Debt Collection Practices Act 807. False or misleading representations but also it is not acceptable. 

Lastly, I told the previous representative, XXXX XXXX, on XX/XX/2022, that I could pay the settlement payment all at once on XX/XX/XXXX or later. Then I was told that the system allows scheduling a payment only 30 days in advance. So, it was ended that I would call at the end of XXXX to schedule payment for the settlement offer available for me. However, again, I got a call from XXXX XXXX today even though I already talked and discussed it with the previous agentwhich violated Fair Debt Collection Practices Act 806. Harassment or abuse. 

I have attached the screenshots showing caller ID as XXXX XXXX XXXX and the chat I had with XXXX XXXX on XX/XX/XXXX, showing that we discussed the settlement, and I am the one supposed to call her to schedule the payment at the end of XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-12
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Legal Recovery Law Offices, Inc

Complaint:
i submitted a complaint and my Case number : XXXX. Today I received another letter from Legal Recovery law Offices and this time the plaintiff is XXXX XXXX XXXX , XXXX. 

I called the Law office again to verify what debt they are talking but the receptionist was saying I owe over {$10000.00} and she is not allowed to discuss over the phone than hung up on me. I have been harassed by the Legal Recovery Law offices numerous times. 

I just want it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
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:
I am a victim of the recent XXXX data breach and identity theft. The following account and hard inquiries dont belong to me : XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX aXXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, Furthermore, I have not been XXXX days late with my car payment to 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 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief