hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2019-10-12
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:
Hello, I have filed disputes about an account that keeps appearing on my credit report. The original creditor was a cable company. However, i don't owe them. I asked the credit company to show me the " proof '' that validates the collectors claim and I never am given that information. CBE now how the account and they say I owe {$250.00}. I do not owe anything  at all.

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 2022-07-19
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: EQUIFAX, INC.

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Public Records : XXXX  XXXX Bankruptcy XXXX Inquiries : 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 XXXX XXXX XXXX Equifax Employer : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  Addresses : XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Public Records : XXXX  XXXX Bankruptcy XXXX Inquiries : XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Employers : XXXX XXXX  XXXX Addresses : XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Public Records : XXXX  XXXX Bankruptcy XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
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:
I am an XXXX XXXX XXXX enrolled in the XXXX Student Loan Repayment Program. During my eight years of education I incurred a loan debt burden of about {$200000.00}, divided into dozens of smaller loans ( XXXX, XXXX, consolidation, etc. ) and spread among XXXX lenders, with interest rates ranging from 2-7 %. 

I have XXXX student loans that are currently owned by Navient. XXXX of these are at a 6.8 % rate, XXXX at 2.3 %. When the XXXX sends a lump sum payment each year, Navient distributes that payment evenly over all XXXX loans, even though some carry a high interest rate and some carry a low XXXX. When I request to have them apply this payment only to the higher interest loans, I am told that they can not because the XXXX will not allow them to. When I informed the representative that the XXXX has no such regulation, I was informed that this is " guidance from the XXXX. '' While this seems like a trivial complaint, it will cost me ( and the XXXX ) thousands of dollars over the life of my loans. 

Last year I filed this complaint with the XXXX. Navient acquiesced to my request to redistribute my payments after being contacted by the Ombudsman 's office, but they reversed the changes after an " internal audit '' a few months later, after the complaint had been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A.

Complaint:
I received a notice from XXXX XXXX XXXX XXXX. today, XXXX XXXX for the first time and the notice is dated XXXX XXXX offering me Tax Season Discount Opportunity to pay account balance of {$8600.00}. According to the notice, Citibank was the original creditor. I have lived at my current address since XX/XX/XXXX and this is the first time I have been contacted about this debt. I also have a freeze on my credit since around XX/XX/XXXX and I have no collection on my credit report. I do not owe any debt that I have not paid. This collection agency failed to first write attempting to collect a debt letter. This collection agency failed to grant this consumer the opportunity to dispute the debt. This collection agency demanded payment whether or not this consumer in fact did owe this debt. I dispute owing the debt in question. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
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 XXXX of XXXX I sent TU, XXXX, XXXX  a letter disputing the validity of the bankruptcy they are reporting on my credit report. All Bureaus responded saying they verified item through XXXX XXXX. I contacted XXXX XXXX directly to dispute item in question and due to nonverification from them they sent response and deleted in XXXX of XXXX. I then sent copies of deletion along with ID documents to TU, XXXX, XXXX  through numerous disputes and was still met with a response of verified even after proper documentation was provided. XXXX XXXX has also tried to contact the bureaus as well to have them update reports and they said they were not getting any responses from any of them. I even provided all companies with copies of deletion from XXXX XXXX and their attempt to contact as well as informing them that if they could not reveal how, they truly verified the item then its needs to be deleted according to the FCRA It is now XX/XX/XXXX and this inaccurate item has been sitting since the first dispute in XX/XX/XXXX. Once again, they refuse to delete this item. How is this legal and how are the credit bureaus not held accountable for these violations? It has been way past 30 60 and even 90 days for these corrections to be made and at this point I am ready to take legal action as this is affecting credit and stopping me form handling important matters such as home buying. This item needs to be deleted immediately I have zero patience at this point as they have been in plain violation of my rights as a consumer, I am not giving them another 30 days not even another 15 days and I am prepared to take my complaint to my congressman as well, this issue has been well overdue for corrective action. these companies have been using stall tactics since XXXX causing my dispute clock to start over every time they falsely verify errors. This item needs to be gone immediately. 

Attached is all documents sent for dispute as well as copies of credit sheets from where they display where they verified the item in question

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 2022-11-30
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.

Complaint:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 
Company Name : 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 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 has violated my rights! 
15 USC 1681 section 602 A. states, I have the right to privacy.

15 USC 1681 section 604 A, section 2. states, A Consumer reporting agency can not Furnish an account without my written instructions 15 USC 1681c. ( a ) ( 5 ) States, no consumer reporting agency may make any consumer report containing any of the following : Items of information, any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681 s-2 ( A ) ( 1 ), states, 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 errors or is inaccurate.

A

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 2017-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Paypal Holdings, Inc

Complaint:
XX/XX/XXXX Reference Number XXXX PAYPAL XXXX XXXX CA charge {$42.00} should of been {$33.00}. The invoice and charge from the company XXXX XXXX XXXX email XXXXXXXXXXXX website : XXXX XXXX XXXX  The order I.D . is XXXX paypal XX/XX/XXXX XXXX XXXX Transaction ID : XXXX You sent a payment of {$33.00} USD to XXXX XXXX XXXX ( XXXXXXXXXXXX ) According to email XXXXXXXXXXXX they stated that the difference may be foreign funds. The company 's last question did you pay with foreign funds? They assured me all they received was {$33.00}. I requested PayPal supply a credit of {$8.00}. I am having problems with XXXX in a XXXX center attempting to steal all communications and attach themselves to my finances. I would like to see a credit of {$8.00}. I was told all of my FTC complaints filed were solved and were established as an account with this organization. They are stealing credit card bills and supplying copies. Interrupting bills going to XXXX to another state halting the outgoing mail. Stating they represent XXXX locally. I never authorized anyone to halt my outgoing mail. I made a complaint with XXXX. Arrests have been made concerning mail fraud. I never received any results from FTC. They were placed on a credit card through XXXX. This is that card and I previously made a complaint about fraudulent foreign fund charges. XXXX issued another card. I am missing many credits on my account. This is the new card and apparently, I am having problems again with fraudulent charges locally. I even believe this has to do with identity theft. I was thankful XXXX XXXX disclosed that they believed that someone paid this with foreign funds attached to my credit card. This was placed on line at XXXX XXXX. in the XXXX XXXX Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
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: Experian Information Solutions Inc.

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  Account number 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 Account Number XXXX XXXX  XXXX XXXX Account Number XXXX XXXX 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 2020-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Merchants and Medical Credit Corporation, Inc.

Complaint:
Merchant and Medical submitted a collection of {$1200.00} stating I owe o debt to XXXX XXXX XXXX  as of XX/XX/XXXX. The information is not valid. The communication with the creditor is not effective I've filed disputes with XXXX   requesting Validation of proof this debt belongs to me and have not obtained it. This is a fraudulent account that does not belong to me and XXXX  is not verifying accurate information nor providing me with proof that I owe the debt as it will be impossible because it does not belong to me. I've made efforts to contact XXXX  on the phone as I can not dispute the collection online anymore and the high call volume proves unsuccessful. I removed a fraud alert from my reports as it was complex applying for credit. Since this poorly investigated collection I've added it back. As I've been a victim of identity theft by my half- sister and its verified with police reports dating back to XXXX. This account with Merchant Medical nor XXXX XXXX belongs to me and has not been properly verified furthermore XX/XX/XXXX when the account opened I lived in XXXX, GA drivers license nor utilities have reflected a XXXX address since XXXX and it was of XXXX XXXX, XXXX, MI. I have not lived nor granted permission for anyone to at XXXX XXXX. Original lease contract and identification provided for the application, and proof of utilities, employment information as all of this is required when leasing and needs to be provided as proof this apartment was actually leased and occupied to me. Since XX/XX/XXXX I've served as a legal court ordered guardian to XXXX children and we have never lived at a XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-05
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.

Complaint:
I get calls all times of day and night sell my loans to different Leanders and not telling me and report miss information to the credit unions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.

Complaint:
Re : Citibank Credit card number : XXXX XXXX XXXX XXXX Credit Card Holder : XXXX XXXX Based on the Fair Debt Billing Act ( FCDB ) I disputed unauthorized charges totaling {$9700.00} on my credit card account number referenced above. I requested that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. These credit card charges took place in a period of five days ( XXXX XXXX XXXX, 2018 ). Upon discovering these charges, I immediately reported them to Citibank and my account was closed. These charges were done online and Citibank is not able to provide proof of debt. Instead, they just provide the billing statement as proof of debt. I've written to Citibank twice, regarding my dispute of these charges. The written disputes were sent on XX/XX/2018 and XX/XX/2018 to : Citibank Citibank Customer Service Attention : Fraud Department/disputed chargesXXXX XXXXXXXX XXXX XXXX, SD XXXX. To this date, my account has been sent to collections and my credit reporting has been impacted. 
I am in desperate need of your help. 
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 explanation
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.

Complaint:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY

Complaint:
The store card administered by TD Bank offers a deferred interest period of either 6 or 12 months depending on your purchase amount. They encourage you to sign up for electronic statements and billing, but their online payment system is designed to make you underpay during your promotional period so that you will be walloped with a massive amount of accumulated interest at an incredibly high rate. They have the online payment system rigged so that you CAN NOT pay any more than the minimum payment due each month on auto pay. Of course, if that's all you are allowed to pay through the system each month, then you will be far short of the total due during the promotional interest-free period. It is obvious that they have set their system up to increase the likelihood that consumers will either ( 1 ) have to make individual monthly payments, which increases the likelihood of missed or late payments, which will in turn incur late payment fees and it will be considered a default on the interest-free terms of agreement and they can start charging interest immediately ; or ( 2 ) they will only pay the minimum monthly payment since that is all that the online auto pay system will allow and then they will be be far short of having paid off the balance during the promotional period and will incur accrued interest at a whopping 29.99 %. 

This is THE ONLY online system I have ever used that prohibits consumers from making automatic monthly payments larger than the minimum payment due. It is down right fraudulent in their attempt to force consumers into defaulting on their interest free period. 

I called them on XX/XX/18 and they confirmed they will not allow automatic monthly payments larger than the minimum amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION

Complaint:
In the process of me moving i lost personal documents amongst other things in end of 2019 due to the current pandemic a lot of things i was forced to leave behind i lost all my Socials i.d Birth Certifiates in that process i put in an order online due for new i.d socials and birth certificates due to offices being closed and to renew my adress for social securtity to send out new everything they sent them all to my old adress listed even though i updated my current adress the mail box to my old adress had been broken into also so any one could have gotten a hold of my information and i dont understand how this mistake can be made i didnt really know much about credit until i received those letters in the mail and decided to actually check my credit and i have multiple inquiries from unauthorized credit users trying to receive an auto loan in my name to know someone was able to actually obtain an auto loan in my name is completely discouraging and i am baffled by this new found information Now i am left to deal with a car loan on my credit report that isn't mine So im not sure if this information possibly belongs to someone else but it is completely not mine at and I've tried everything i could possible to get this inaccurate information removed

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