hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2021-12-13
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-20
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:
These accounts do not belong to me. Please block and remove according to XXXX XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
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:
XXXX  and Equifax continue to report negative fradulent information on my credit report. They are in violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.

Complaint:
In XX/XX/2016, I was notified that my rates would be changing as my IDR was expiring in XX/XX/XXXX ( even though I applied/was approved on XX/XX/2016. I figured I would take the time to reapply anyway as to be ahead of the curve and not have to deal with any issues last minute. I received notice from Navient on the XX/XX/2016, via email stating " Your IDR renewal has been approved. '' The email went on to say " We 'll send you notification advising you of your new payment amount after your current plan expires on XX/XX/2016. '' I have yet to receive any sort of email notifying me of such, and upon logging onto their website today for tax purposes have noticed starting next month I have a payment amount of $ XXXX/month which needless to say, I ca n't afford, hence, why I applied for the IDR. As far as I can tell, no actions have been taken on their behalf to uphold my renewal, and I am still in the original IDR that was put into effect on XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The CMI Group, Inc.

Complaint:
This debt collector is not licensed in my state ( Florida ) therefore they can not collect debt from me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE

Complaint:
Please Please Help Me Copies enclosed. 
Barclays Bank Delaware extremely stressful going on. 
Numerous Numerous call ( hang ups mostly ) record on cell phone. 
Rep no knowledge of banking procedure As you will see they credited the {$790.00} check to husband account on XX/XX/XXXX On XX/XX/XXXX they transfer to my account ( we both have accounts ) Now my accounts shows {$310.00} Credit ) Why would they apply this to my account when I did not owe {$790.00}? Why Awful banking right there. 
On my husband account they are saying payment due-his due date is XXXX/XXXX/XXXX I paid XXXX on XXXX/XXXX/XXXX so how is a payment Past Due! Come on Barclays Charged interest on XXXX/XXXX/XXXX {$14.00} I have been with this credit some years never this much game playing! 
They are reporting negative information on credit report 30 day late I have never complain about what I felt unfair or unethical with there procedures However, I would now like to see Barclays Bank Treat me as a rel customer. 
Apply the {$310.00} credit to the account they took from.Also remove any negative information from husband report. 
As can see Barclays all people are human. 
Barclay this was very costly for us! Could not purchase home Due to trying desparley to bring down debt ratio. 
Your failure to apply money in time. 
Barclay please do the right thing and correct this error. 
Thanks

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 2022-08-19
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. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
XXXX XXXX XXXX  and XXXX XXXX ( XXXX ) sent funds to my Bank of America account after the death of my husband but I didnt receive the funds because gave out a wrong routing number for wires XXXX instead of paper and electronic XXXX both belongs to Bank of America XXXX XXXX sent {$400.00} & {$3800.00} on XX/XX/XXXX and {$320.00} on XX/XX/XXXX and the same amount {$320.00} on the conservative months until XX/XX/XXXX. So I reached out to the bank and they informed me that I didnt receive the money because I gave out a wrong routing number and the money was sent back to XXXX so when I called XXXX they sent me the statements of transfers and confirmed that they havent received the funds back and I should ask the bank to send me the evidence of the transfers because thats the only way they can resend the money. I tried reaching the bank in vain so I went through the XXXX XXXX XXXX XXXX XXXX XXXX and BoA last reached out to me in XX/XX/XXXX through their representative XXXX and promised to email the paper work that showed the money was returned but I never received the email and yes it was not in my spam. I called again and they said they will send it by mail in XXXX business days. I confirmed with them that they have my right mailing address but its been two months and Im yet the documents to send XXXX so I can get my money. 
They did this too in XXXX, XXXX when their representative XXXX XXXX reached out and promised to send me the evidence which I never received. 
This is issue has been going on for more than a year now and its been so frustrating. 
Kindly 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 explanation
Consumer complaint received 2015-04-24
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Aargon Agency, Inc.

Complaint:
I did receive notification of debt, however, I was not given my full XXXX days to dispute. I called the day I received the validation letter XXXX/XXXX/15. I asked what this was for as I had never received anything other then this letter, they said a XXXX item could n't tell me what it was for. I advised them I would contact my insurance company and said if this is a sling I will dispute the charges. I contacted ins. They tried to reach out to the original client about what the item was because they themselves had denied the claim but she did n't know why either. They were unable to reach out to the due to the fact that they were closed. I called the next day and advised Aargon on XXXX/XXXX/15 and spoke with an XXXX or XXXX ( ca n't remember the name ) and advised them that I was disputing the debt. Verbally, I said this has no effected the credit report and he said no but I needed send in writing I dispute the debt and I only have a week in a half to do so implying to me that it would effect my credit. According to the FDCPA I have a XXXX day validation period to dispute the debt from the day I receive the validation notice not when they get the account in their office. According to the FDCPA the collection agency can not make the consumer think the XXXX Validation Period does n't exist, and the debt collector nor the agency can overshadow the validation period. I had called the day prior stating that I just got the letter. On this day I also asked for an itemization to further explain what the charge was for. On XXXX/XXXX/15 I received an " itemization letter '' stating nothing more then what I was told on the phone " XXXX ''. On that same day I called back and spoke with a XXXX who told me that is all they show. In the conversation he stated well you just said that you were told something different on the phone then in the letter and I advised him no I said I was told the exact same thing which did n't tell me anything on the phone and seeing the same thing in writing does n't tell me anything different. He basically told me I was a liar when he just misheard what I said. That is harassment according to the FDCPA. 
I had n't spoken with this agency again until XXXX/XXXX/15 to get the names of the individuals and spoke with XXXX who then trans me to the Operations Manager XXXX XXXX I asked him for the names of the individuals I had spoken with he refused to give them to me stating it is proprietary information and he only collects information. Advised him that FDCPA had been broken I was going to file a complaint he advised me I could sent that to him in writing but still refused to give me any information I asked to speak with his supervisor and he said that would be the owner and gave me his name.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2018-11-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES

Complaint:
I scheduled a payment on XX/XX/XXXX for XX/XX/XXXX, knowing I had my first payment due XX/XX/XXXX. I also set up automatic payments the same day and saw that it said they could take a few days to set up and that if I had a payment due within 10 days, I would be responsible for making it. As the terms and conditions didn't state that the automatic payment would pull regardless of if the payment had already been made I thought things were fine, and didn't think anything of the confirmation email I received stating the first due date for the auto pay would be the XXXX as I knew the payment would be in process shortly. Then on XX/XX/XXXX they pulled a duplicate payment for the payment due XX/XX/XXXX, and I was unaware of this until I went to pay another bill and realized my account balance was shockingly low. I called customer service who told me for the first time that the payments pull no matter what and I needed to skip an automatic payment etc., and when I asked for a supervisor the line was disconnected. I called back and was able to be connected to a supervisor named XXXX employee number XXXX, and he stated that the terms clearly indicated that the payment would be pulling regardless, and I stated they didn't he then read some terms to me that again didn't explicitly state that it would pull even if the regular payment had been satisfied, and said that there was no reason it had to say this. Every other bank has to clearly disclose if they are going to be pulling the payment regardless of it being satisfied before the payment due date. He told me the payment pulled XX/XX/XXXX satisfied the XX/XX/XXXX payment but it would still pull a payment XX/XX/XXXX unless I cancelled the Automatic payment. I just received an email this morning stating my automatic payment would be made soon which leads me to believe the XXXX payment was not satisfied. But I was also told that in order for them to refund the payment to me it would take 30-45 days, which is astronomical and unfair. I'm adding a copy of the terms and conditions documents provided through the automatic payment sign up so you can see it. It specifically says " if you have payments due on any of your loans, you are responsible for manually paying your scheduled monthly payments until you are notified that your Auto Pay request has been processed. '' this implies that they will only be pulling the scheduled monthly payment that is due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: McCarthy, Burgess & Wolff, Inc.

Complaint:
Received a letter from McCarthy, Burgess and Wolfe advising that they have been retained for debt collection. However the debt was not validated to confirm the debt was owed by me. This company is in complete violation of the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
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:
THIS IS NOT A REQUEST FOR DISPUTE OR REINVESTIGATION. 

This is a request for immediate removal of items that were involved in IDENTITY THEFT. 

XXXX XXXX, XXXX  and Experian removed these items then reinserted them with out notifying me in writing. 

Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that report identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-27
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: Experian Information Solutions Inc.

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2018-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY

Complaint:
On XX/XX/XXXX, all my ( hundreds of thousands of ) American Express Membership Rewards ( MR ) points were frozen, per telephone inquiry advice of 2 MR representatives and a supervisor. They explained that the freeze would last up to 8 weeks for a " spin review. '' They said there was no way of knowing why my account was selected for review ( though I've been in good standing with AmEx since opening my account in XX/XX/XXXX ), and that there was no way to expedite the review and allow for my wife and I to secure airline award ticketing of limited availability for our 30th anniversary/retirement. 

The freeze also looks to result in an effective forfeit of 125,000 MR points. It happened immediately after successful online transfer of XXXX points to my linked partner airline frequent flyer program ( XXXX ), and prevented transfer of XXXX points to my wife 's linked XXXX frequent flyer account. I'd have no reason to travel with XXXX without my wife on this trip. 

The MR supervisor said she'd ask her " backroom '' to ask XXXX for my XXXX transferred MR points back from XXXX, but they now belong to XXXX and MR has no right to have the request granted. 

Furthermore there is no information available online indicating anything other than our MR account is in good order, and I have and was told by MR representatives I may not receive anything in writing about the status of my MR account. The supervisor said that I am best not to attempt any further online transfer of points, because that will only cause the " spin review '' to last longer. 

My American Express / MR account web page nonetheless continues to recommend redemption of my points for numerous awards. 

Had I not made a call to MR after attempting transfer of MR points to my wife 's linked XXXX frequent flyer account ( which triggered a pop up notice that the transfer can not be made at this time pending account review ), I would never in my wildest imagination thought that there would be anything more than a short ( 20 minute - 1 hr ) review -- let alone an 8 week review, and that all my reward points were frozen -- not just those I tried to transfer. 

The MR supervisor said she sent a " complaint to corporate, '' but could send me nothing in writing about it, could not identify who/what is " corporate, '' and could not tell me if I would get a response. 

There is also no information about a " spin review '' in any contract terms have with American Express, or any discussion of freezes of MR points. 

I ask that you do what you can to resolve this unacceptable situation, which has taken it's toll. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
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:
Checked credit report and noticed two unauthorized accounts on my file.

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 2022-03-31
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: Experian Information Solutions Inc.

Complaint:
I sent letters to XXXX, Experian and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-07-15
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:
Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$370000.00}.

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