hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2016-09-27
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Professionals, Inc. (Macomb, IL)

Complaint:
On XXXX/XXXX/16, I contacted Collection Professionals Inc in XXXX IL. trying to explain that the past due medical bills were still pending with insurance. Insurance had initially denied them stating they were pre-exsisting. After I appealed and a lengthy investigation, the decision was reversed. At this time, I thought the issue was resolved. Until I received a summons to court for said medical bills. After calling insurance, it was determined that XXXX had forgotten to send the claims back to adjuster and did so today. They stated they would pay their portion and then secondary ( medicaid ) would pay the rest. After I explained this to XXXX from Collection Prof, he stated that it made no difference and that I would still have to pay it out of pocket resulting in double payment.He said it was because it took 4 years to process. He blantly called me a liar, even after I said that XXXX was sending a letter explaining situation. He would not answer any of my questions, interrupted me frequently and spoke down to me. I would and will gladly pay any bill, I am responsible for but not until insurance processes it. I will not pay only have insurance pay also and no one deserves to be talked to the way I was. I am not some low life who just doesnt pay their bills. I am a highly educated woman, who lost a great job after being XXXX with XXXX XXXX. XXXX was a lenghty process and I am dokng the best I can. I, nor does anyone else deserve to be treated like trash.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-06-20
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 XXXX  Account # XXXX, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
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: EQUIFAX, INC.

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
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: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
I have made numerous disputes and Method of Verification requests and XXXX  Credit Reporting will not comply. I do not believe they are even investigating and just using the E-Oscar database. I have plainly asked for their method of verification of how they are verifying the completeness and accuracy of what they are reporting. They keep responding back ( They verified that the items belong to me ). I have enclosed some of my past dispute letters and method of verification requests and I still can not get them to comply. 
The alleged debts are being reported by the notorious Portfolio Recovery Associates. 
Their reporting has been detrimental to my credit scores and has caused me great financial and mental distress. 
What can I do to make them at least do their job as required by the FCRA and comply with my requests or delete the items I disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
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: CAVALRY INVESTMENTS, LLC

Complaint:
I submitted Calvary Portfolio Services a fraud packet regard a debt they purchased by XXXX XXXX-this account was an account that was taken over by a hacker and I had charges that I didn't authorized on the account that happened over 6 years ago. I submitted the fraud paperwork to XXXX  XXXX but some how this account when to Calvary. They reported to my credit report. 
I did a fraud packet and submitted everything to them-they refuse to remove it off my equifax credit report. I have submitted two disputes and they keep sending back that the account is valid. 
I have attempted to call them and all I get is told that I need to pay the bill. So, I have no choice but to hang up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-17
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: STEWARD FINANCIAL SERVICES LLC

Complaint:
This vehicle was paid for and account should be closed

Company response to consumer: Untimely response
Consumer complaint received 2023-07-20
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 acquired my credit report and ask the credit bureaus XXXX and make sure everything was complete and accurate according 15 usc 168i ( 5 ). I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agency which is TransUnion and XXXX didn't removed anything. They just sent it to a computer and didn't do anything. The date open is not correct date last active is not correct. They also have no ( no data ) which is not correct. Which is a violation. This impacting my life. I have attached a copy of my credit report. It has been past sevens years and they now it. XXXX to XXXX is sevens years.

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 2021-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
PLEASE BE ADVISED THIS IS MY FIRST WRITTEN REQUEST, The unverified items listed below remain on my credit report in violation? 
of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that the information is mine and is correct. In the Results of the first investigation,, you stated in writing that you " verified '' that these items are being reported " correctly '' Who verified these accounts? You have not sent me a copy of ANY original documentation required under Section 609 ( A ) ( 1 ) ( a ) and Section 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it .and under Section611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified ACCOUNTS : XXXX ( {$550.00} ) # XXXX, XXXX XXXX ( {$460.00} ) # XXXX, XXXX XXXX ( {$460.00} ) # XXXX, XXXX  XXXX XXXX ( {$850.00} ) # XXXX INQUIRIES : XXXX  XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
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: EQUIFAX, INC.

Complaint:
For the past year I have contacted XXXX and Equifax with letters on inquiries on my reports that I did not authorize. I know that they are supposed to respond within 30 days and I had certified mail and I never got a response. These letters were sent off XX/XX/2020. In addition to the letters that I sent I also was on the phone several times and spent numerous hours waiting and getting hung up on. They did not want to a dress removing this information like ages didn't matter and it is affecting my ability to be able to acquire the credit that I want to acquire and I need these items removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-03-28
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:
I have attached an FTC report with an account and inquires I did not authorize please delete

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 2020-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I applied for a XXXX  XXXX XXXX credit card and I was not approved and today XX/XX/20 I got a letter in the mail saying that the reason why I was not approved was that there were several accounts in negative standing appearing on my credit. I thought it was a mistake since I do not have any accounts in negative standing but I got a free copy of my credit reports and I saw 6 collection accounts that are not mine. I had no idea that these accounts were on my credit because I didn't open them nor do I have any written/verbal contact with any of these companies. I don't know who these accounts belong to or how they got on my credit history ; I did not benefit anything from any of these accounts nor did I contribute to any payments made to any of these accounts. I have filed a police report because regarding these accounts that were opened in my name without my authorization.

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 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.

Complaint:
On XX/XX/XXXX, I discovered that XXXX XXXX XXXX Mortgage, reported to Equifax ( we believe to all three bureaus ) had only reported 27 payments. The payment history is 9 years. XXXX XXXX, incorrectly reported that the Mortgage was included in a now completed Bankruptcy, thus, damaging my Credit History. XXXX XXXX was DIRECTLY ORDERED, by the Bankruptcy Judge to not show that its account was " included '' in the Bankruptcy, thereby allowing me to make parallel payments, establishing a payment history. My Case was filed in the U.S. Bankruptcy Court, XXXX XXXX XXXX Missouri, XXXX, Missouri, in XXXX. The act is intentional and violated the FCRA and the Court 's direct order. This was done in retaliation for my being successful in my motion. I believe that I am entitled to relief, for each Bureau, minimum of {$1000.00} per violation and because their action is punitive, we ask that CFPB levy a substantial fine against XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
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:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} ; Medical XXXX Balance : {$780.00} ; XXXX XXXX XXXX Balance XXXX {$100.00} ; 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 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 XXXXXX/XX/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 2021-11-21
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Genesis FS Card Services, Inc.

Complaint:
I made a payment for {$510.00} on XX/XX/XXXX. Since then I have spoke to the company in XX/XX/XXXX, XXXX in XX/XX/XXXX and XXXX in XX/XX/XXXX to report that the payment was received and accepted by the company but not applied to my balance. I submitted documents that supported this claim. My credit card is frozen, and my account is reported to my credit report as delinquent despite this not being the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY

Complaint:
This is a follow up complaint from original complaint # XXXX which, in a nutshell, was a complaint for an unpaid {$200.00} welcome bonus ( incentive ) offer. I have received the {$200.00} but the complaint now is that it was 3 weeks late ( the agreement stated it would be paid within 45 days of meeting all the requirements and those were met on XX/XX/XXXX so 45 days from that is XX/XX/XXXX but I didn't get paid the {$200.00} until XX/XX/XXXX ). 

The other part of the complaint is that Wells Fargo sent me a letter on XX/XX/XXXX ( 1 week  after I already got the {$200.00} ), wrongly stating that I did NOT meet the requirements. Even after giving me the {$200.00}, they are STILL giving me wrong information. Here is what they are stating in that letter : " Please understand that the eligibility requirements are reviewed based upon a 30 day interval or by calendar month. '' This is wrong because nowhere in the agreement I signed does it state that. What was stated was " per month '', meaning any consecutive 28 day period, or periods such as XX/XX/XXXX to XX/XX/XXXX, or XX/XX/XXXX to XX/XX/XXXX .... Wells Fargo is STILL trying the change the semantics of the agreement to meet their needs but what is legally binding is the actual wording. 

So Wells Fargo breached their contract by not paying me on time and I am complaining about that. They should NOT be allowed to do this. They did not offer me any compensation as I requested. I do not trust this bank. I suspect they are doing this same thing to many other customers. If it wasn't for the fact that I was so persistent in getting the {$200.00}, they likely would have NEVER paid me. Even on the day I got paid ( XX/XX/XXXX ), I asked them why they didn't just deposit it into my account. They told me they were waiting for me to show up at the branch office. This tells me had I not shown up in person at the branch office, they likely would NOT have paid me. Again, this is all proof of a bank that is manipulating customers in a way to not pay them incentive money. This is shady business and needs to be stopped!

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 2023-06-13
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
XXXX XXXX #XXXX  Not my account tried getting account removed still remain on credit report .

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 2020-03-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.

Complaint:
On multiple occasions in the past, I have tried to ...

1. ) Lower my monthly payment due to income issues, but was told I had to pay what the payment was set for.

2. ) Make a payment arrangement, but was led into forbearance.

3. ) Remove the co-signer on the loan, but was told I had to make a ridiculous amount of payments first. Also, they never sent me the paperwork for the removal after said payments were made. 

I also believe that they have charged me late fees that I am not responsible for, and I see payment reversals on my payment history that I know nothing about.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC.

Complaint:
On a Business trip my card was on a tab and when we were done I totally forgot my card and didn't realize until a couple of days later ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
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:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation