hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-11-06
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.

Complaint:
I sent a letter out on XX/XX/2022 to XXXX, XXXX, and Experian. However, its been more than 30 days and the credit bureau failed to send my investigation back. This is not making sense. 

According to the law 15 U.S. Code 1681i Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2022-08-18
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items : XXXX XXXXXXXX XXXX  XXXX XX/XX/2022 XXXX  XXXX # XXXX Collection XXXX XXXX XXXX XXXXXXXX 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 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 2022-09-11
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:
My name is XXXX XXXX is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
On my statement from this company, they referenced " counseling services ''. That language was offensive to me because I was raised to believe only people with some sort of problem needed counseling, they should not be implying that I need counseling.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX has violated my rights. 

15 US C 1681 Section 602 states, I have a right to privacy.

15 US C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
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:
By XX/XX/XXXX I checked my credit report and I found many mistakes in the account with XXXX XXXX XXXX XXXX, I request to the credit bureau and XXXX XXXX to take care this, apparently my request is not enough because nothing change except a letter state they are not going to change anything since everything is ACCURATE!!!ATTACH proof of the the inaccuracy DOLA BETWEEN THE 3 BUREAUS SHOW XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX  XXXX show as paid but transunion an XXXX  report derogatory, is insulting to got a letter state  "after conducting a detailed review of your account we confirmed XXXX is reporting information accurately"

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 2023-07-10
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:
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 U.S.C 1681. ACCOUNT Name : MXXXX/DOFED  XXXX and XXXX/DOFED XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 2023-08-08
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: Experian Information Solutions Inc.

Complaint:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.

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 2023-03-14
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: Experian Information Solutions Inc.

Complaint:
Remove all inaccurate, erroneous, unverifiable information. I will be as clear as possible so there is no further misunderstanding. The corrections should be as follows : XXXX XXXX XXXX ( and all variations of this account ) - Never did business with this company ; reporting a charge off with a balance ; delete immediately XXXX XXXX XXXX XXXX XXXX and all variations of this account ) - Reporting a charge off with a balance ; delete immediately XXXX XXXX  XXXX XXXX and all variations of this account ) - Reporting a charge off with a balance ; delete immediately XXXX XXXX XXXX ( and all variations of this account ) - Reporting a charge off with a balance ; delete immediately XXXX XXXX XXXX ( and all variations of this account ) - Never did business with this company ; reporting a charge off with a balance ; delete immediately XXXX XXXX XXXX XXXX and all variations of this account ) - Reporting a charge off with a balance ; delete immediately XXXX XXXX XXXX ( and all variations of this account ) - Never did business with this company ; balance is lower than high balance ; delete immediately XXXX XXXX XXXX XXXX XXXX ( and all variations of this account ) - last payment made states XX/XX/2013 ; it is almost 10 years later ; delete immediately XXXX XXXX XXXX ( and all variations of this account ) - Reporting charge off with a balance ; delete immediately

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 2022-12-08
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: Experian Information Solutions Inc.

Complaint:
On XXXX Experian credit charged my XXXX XXXX card XXXX XXXX I didn't even know I had a account there

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 monetary relief
Consumer complaint received 2022-07-25
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 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 .This 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 XXXX 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 XXXX  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 2023-06-15
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:
My Chase Sapphire Credit card was charged with a fraudulent transaction. As someone used it to rent a car from XXXX. I had contacted XXXX multiple times and they are not responding to my requests either. My credit card was charged approx. $ XXXX for a rental car charge which I did not rent at all. I have asked chase multiple times to dispute this charge but they are not listening to me instead they are asking me to pay this amount. I am not sure what other options I have as I never charged or use this card for such transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.

Complaint:
To whom it may concern, I have been a XXXX  XXXX XXXX customer since XXXX and during that time, I have enjoyed my experience with XXXX  XXXX XXXX greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have one late payment on my credit card that date back to XXXX of XXXX. Since that time I have been an exceptional customer paying every month on time. 

Because of my exceptional payment history over the last 2 years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was not actively using the XXXX  credit card. I did not notice that I had my XXXX monthly renewal plan linked to this credit card, which was the only fee I had with this card, and so I oversaw the payment. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that XXXX  XXXX XXXX is willing to work with me on erasing this mark from my credit reports. 

I have been a very happy customer in the past and hope to continue a long relationship with XXXX  XXXX XXXX. With todays credit industry so competitive, I know how important it is to maintain good relationships with customers. XXXX  XXXX XXXX has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why XXXX  XXXX XXXX is heads above the rest. I look forward to your reply.

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 2022-11-27
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 reporting care act. This creditor has violated my right under 15usc1681 section 602 states that I have the right to privacy 15usc1681 604 ( a ) section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

18 USC 8, Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

15 USC 1692e ( a ) False or misleading representations and also a Hippa Violation.

Violation of the FCRA and is in violation of requisite XXXX Compliant reporting standard.

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 2015-06-25
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.

Complaint:
I have already filed a complaint not to long ago with you company and I just filed with the BBB as well a few days ago. The dispute was closed due to Navient saying I am in the lowest repayment option. On XXXX/XXXX/15 at XXXX I called Navient and spoke with supervisor XXXX XXXX I was placed on hold several times was told differently monthly payments, was also told I am in a program called select step program and I will be on that program for as long as I own the loan. I was placed on hold because I had told him I need exact information as I am entitled to. When placed on hold I was transferred back to the main line were I had to wait to speak to someone since noone was able to " find '' XXXX for me to speak with again. Finally at XXXX supervisor XXXX XXXX and I spoke and when I had told him what XXXX said he said no he is wrong. I asked him to go over options with me. I current pay {$240.00} for my loan a month and he told me as of XXXX 2015 I will be paying close to {$400.00} a month. I told him I wasnt able to afford that as my monthly and yearly income along with my other student loans puts me into XXXX more then it does now. He told me that I am lucky that that the company has done me a favor as long as they did and havent raised my payments yet. I asked him if we could go over options now for XXXX and I was told by XXXX that I have to wait until XXXX and he was n't going to go over options with me now. I had explained that I dont feel comfortable waiting so long or to the last minuted considering I will not be able to afford almost {$400.00} a month and I will need to figure out how to get the money to pay. He was very rude and nasty. I was also told again that they do not and will not do income based repayment and it is not their problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC

Complaint:
To whom it may concern, the following bill that was provided is incorrect. I do not owe any amount of money to cypress grove apartments. I have paid receipts and bank transaction showing I paid my rent every month from XX/XX/XXXX until XX/XX/XXXX right when the apartment complex was sold to another owner out of XXXX fl. I'm a former employee who use to live and work there and i know all the lies and misinformation that XXXX XXXX and XXXX XXXX do as property management. I work with The XXXX XXXX XXXX as the property management company until their services were no longer needed. I had my lease transferred to another property by The XXXX XXXX group as i stayed on with the company when XXXX grove changed hands. please look at the XXXX transactions and bank history provided in the complaint. XXXX and XXXX grove couldnt send in the full lease agreement as you can see only page 1 & 9. where are the other pages? not only the damage information is incorrect, they are not allowed to charge for resurfacing the bathroom and and counter top as that is part of the normal getting the unit ready to move in. i have photos ( provided from my unit when i moved out. XXXX couldnt provide any proof the unit was damage so they dont charge for this so XXXX and all are trying to get extra money out of nothing since i didnt stay on with the company. I gave them my 60 day notice in XXXX which should be in my file unless they took it out but the XXXX XXXX XXXX XXXX XXXX signed off on all my notices. i have all contact information needed for XXXX can call and speak to whomever. This collection should be removed immediately. 

You can have someone at XXXX services to email me with any information that XXXX/XXXX  couldnt provide. i have provided pictures and transaction from the pay site showing XXXX grove.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
A bank account statement was received by an associate of mine at an address I have not lived at in over XXXX years. This account was for a checking account with Bank of America. 

I have confirmed with Bank of America that the account exists, and contains my information. This account is not one I have created, and I have not been able to actually speak to an individual at Bank of America regarding it. The Fraud department is unreachable via phone, and no emails have been replied to. 

I am concerned that this account was opened using my social security number, and will have a negative impact on my financial 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 monetary relief
Consumer complaint received 2023-01-30
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC.

Complaint:
I wasnt aware that the original debtor sold the debt to a third party law firm the amount they are saying is owed they never reached out to me to settle the debt. They have been reporting to my credit as well these are all false and misleading practices the amount o they are wanting to collect is only {$160.00}. I dont know any of the people involved attempting to collect the debt my information has being given away without my consent to any of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
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:
Child support has been stopped on the account that I now have custody of my son. I am still being charged child support and am currently paying child support but credit reports show that I am either 30 days late or 150+ days late and it is currently hurting my credit score. There are inconsitancies regarding payments to the attorney general over the last 3 years. It is showing I am current one month then 90 days late the next month then no information for 2 months and currently in XXXX no information regarding payments with XXXX. Equifax shows I am current throughout XXXX until XXXX through XXXX and those months show 150+ days late. The incorrect reporting of payments from these companies are destroying my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.

Complaint:
On XX/XX/2016, it shows on my credit report that I was late for the month of XXXX and XXXX. I believe this is incorrect because I have had this account in forbearance until the settlement has cleared. I also contacted Nelnet in XXXX about this matter and my account on my credit report. nothing has been resolved. This is my second attempt on settling this matter to remove my late payments on my credit report.

Company response to consumer: Closed with explanation