hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2019-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.

Complaint:
I am unable to unlock my credit reports on all three credit reporting agencies. I have supplied them with letters requesting to unlock my reports. 
No action was taken. No response. My credit reports are still blocked. 
I started this process one year ago, and in some cases three times to the same agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-27
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:
Re : Notice for Proof of Claim Account : XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking  assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the  collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. 
The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between ALL AGENCIES and that gave you the right to collect this debt.

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 2022-08-30
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:
This is XXXX XXXX submitting yet another CFPB complaint to address the Credit reporting Agencies inability to verify the information being reported on my Credit Report as well inability to report accurate only information my Credit File. I previously sent a letter addressed to the Credit Bureaus requesting that the Credit Bureaus take their time to verify the information being reported on my Credit File. I believe I am victim of Identity theft and the items I am disputing were the results of such crime. I Started disputing my Credit File on XX/XX/XXXX under the provisions of the Fair Credit Reporting Act section 605b and the last letter I sent to the Credit Bureaus was dated XX/XX/XXXX. The Credit Bureaus have failed to remove the disputed items completely from my Credit report and insist that the information they report are accurate and verified. I do not agree with their findings and demanded proofs of verification for me to be able to verify the information myself. But the Credit Bureaus have also failed to send me copies of documents to support their claims. I am now submitting this CFPB complaint to order the Credit Bureaus to remove the disputed items completely from my Credit Report as soon as possible for they have failed to comply with my requests. I need the following items deleted immediately : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.

Complaint:
I took out these loans with Navient in XXXX and XXXX. One was for XXXX and the other was for XXXX. I currently owe over XXXX on both of those loans combined. I had been making payments consistently since XXXX at least on an income based rate reduction program. Before that the account was being put into forbearance and I was paying {$100.00} per month. I was not given the option before XXXX to do a rate reduction program. I was instead steered into a forbearance and now the interest that has been applied to my loans has made it impossible to even think about paying these off. I am confused about how loans totaling XXXX have turned into over XXXX and I have been making consistent payments since 2015. I realized that I was affected the same way the students that started that class action case were. I have not made a payment on the account since XXXX and the account has now been charged off. They are calling saying they can garnish my wages if I dont pay. I have received wrong information from their representatives this entire time I have been dealing with Navient. Now a loan that was supposed to be paid off in 20-25 years will take 50 years to pay off because of their bad practices and false information provide to me. The loan has now defaulted and they want me to pay the full {$77000.00} which I do not have at this time. Even though I have requested a cease and desist they have still been contacting me and my grandma about this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
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:
I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. Please have these public records deleted from my file : XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
Someone stole my ID and Social and later opened the following fraudulent accounts in my name : XXXX XXXX XXXX # XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX # XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX. 
Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX Opened : XX/XX/XXXX Amt. XXXX I have already spoke to these companies and they have agreed to remove these fraudulent accounts. I have provided them with my Police Report ( Incident # XXXX ), I also provided them with my Identity Theft Report # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.

Complaint:
I opened an interest checking and savings account with Citi bank online. I have a credit card with them and a closed checking account. I had to wait until I got the debit card to register my account online. When I did, I was told that I had to call. 
I called and was on the phone for an hour, literally, and talked to FIVE different people. At first they said my account was blocked but then they said it was unblocked and that I should wait 24 hrs to try to register. I didn't trust them so I waited longer. Got the same message to call and I did and they said it was STILL blocked and that I had to send them additional documentation ( different documentation than they requested the first time AND there was no mention of these documents in the welcome packet they provided which did say that there may be additional documents to be sent in but there was no docs listed ). 
I called again and talked to two different people who said that there was still a block and that they'd send a docusign link in 24 to 48 hours. 
They were able to take my {$1500.00} out of my other accounts immediately but they can't give it back and have now blocked my access to my money.

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 2022-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
XXXX XXXX  XXXX XXXX XXXX date XX/XX/XXXX business type automotive dealer inquiry not made by me XXXX XXXX  XXXX XXXX inquiry date XX/XX/XXXX this is type automotive dealer inquiring not made by me I've tried to have it removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX car sales inquiry date XX/XX/XXXX inquiry not made by me XXXX XXXX inquiry date XX/XX/XXXX inquiry not made by me XXXX XXXX inquiry date XX/XX/XXXX slash XXXX inquiry not made by me XXXX XXXX XX/XX/XXXX inquiry not paying by me

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 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.

Complaint:
XXXX has violates my rights under the fair credit reporting act. 

They are reporting a charge off account to my credit file claiming the charge off account balance is {$2300.00} and they contradict themselves and report on the same report that the Charge off amount is {$0.00} I am entitled by law to gave have accurate, fair, and complete reporting or data and you can see by the attached document that XXXX has reported data that incorrectly and against federal law 15C.

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 2018-11-28
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: JPL Recovery Solutions

Complaint:
On XX/XX/XXXX a representative from JPL Recovery solutions contacted my employer regarding garnishment of my wages. However I had yet to receive a letter from JPL Recovery Solutions regarding this alleged debt.

On XX/XX/XXXX, I contacted JPL Recovery Solutions and requested a Validation letter regarding this debt so i could review it. When I spoke to the representative from JPL Recovery Solutions I specifically asked that my employer not be contacted since I can not receive phone calls. I was told the first call was for verification of income only. 

However I was informed by my employers payroll department that a XXXX XXXX from JPL Recovery Solutions had called them again this morning. 

It appears they have ignored my request regarding my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
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:
There is a derogatory account on my report that should not be there from XXXX XXXX XXXX  XX/XX/22. That information is inaccurate. I spoke to XXXX XXXX when this situation first occurred, and they agreed to contact the bureaus and remove the XXXX late payment. they contacted you remove it right after I was notified of the negative remark. the next month my points came back, and I was happy, but the bureaus never removed the remarks. please remove these remarks so that I can try to purchase my dream home, I don't want these remarks to negatively affect the image of my credit worthiness

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 2022-07-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.

Complaint:
Experian is saying they did not get this report # XXXX and they make it very hard for me to call them and they act incompetent at their job I spoke to XXXX at Experian on XX/XX/2022 at XXXX EST and she claimed this was not submitted and I want the status of this complaint immediately as a Consumer I am entitle to this information in a timely manner 4 days from complaint date which was 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 2021-03-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Collection Services, LLC

Complaint:
On XX/XX/2021, Southwest Collection Services added two derogatory marks on my credit report per XXXX XXXX. Upon, further research, these accounts was transferred/ sold and I am no longer responsible for these accounts. Southwest Collection Services did not verify these collections. Also, there was NO written form of communication, contract, or signature for these accused debts at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Southwest Collection Services has violated my rights as a consumer and Im requesting legal action to remove these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
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: DISCOVER BANK

Complaint:
DISCOVER CARD SENDS FALSE STATEMENT TO CUSTOMER CREATING {$7200.00} IN EXPENSES FOR CUSTOMER CUSTOMER SCAMMED I opened an account on XX/XX/XXXX for a credit card with {$8000.00} credit line. Someone I had made friends with online ( I later obtained information which leads me to believe this is an organized crime ring based in XXXX ) asked to borrow some money to ship some gold to the US and agreed to pay me back. I sent about {$7500.00} to this person on XX/XX/XXXX. The return payment of {$7000.00} was made from an unknown account ( not my account ) on XX/XX/XXXX. Discover Card told me the payment was received and gave me credit on my balance making {$7000.00} additional money available for me to spend. I sent an additional {$7200.00} on XX/XX/XXXX. The payment was returned on XX/XX/XXXX. I would not have sent the additional {$7200.00} and would not have been able to if not for Discover Card 's false statement. I turned this over to the FBI IC3 unit but the unit has not taken any action to date and they say they probably will not take any action. The courts awarded Discover Card {$7500.00} they paid a different court {$1000.00} security and they were then awarded {$14000.00} plus legal costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC

Complaint:
Multiple dates, multiple times with no messages left. When I answer the call drops.

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 2017-09-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.

Complaint:
Equifax was hacked. My personal data may have been stolen-they would not confirm. As I try to sign up for the free Identity monitoring they offer they say I must waive my right to any legal action, This is not right. The process to sign up for this service takes too long as well. I attempted to sign up on Thursday XXXX I will not here anything until XXXX/XXXX/XXXX before I can finish the enrollment process, Unacceptable -especially since they did NOT notify consumers of this hack immediately-but almost a month later.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
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: Velocity Portfolio Group

Complaint:
In accordance with the Fair Credit reporting act the following creditors have been violating my rights. 

1. XXXX XXXX XXXX # XXXX / {$1400.00} 2. CKS PRIME INVESTMENTS # XXXX / {$630.00} 3. CKS PRIME INVESTMENTS # XXXX / {$940.00} 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Financial Data Systems

Complaint:
XXXX XXXX XXXX  XXXX has reported three separate accounts as delinquent on my credit reports with all three agencies. Not only did they report these accounts as delinquent on my account, they sent them to a collections agency who also reported the accounts as in collection on my credit reports. I have never received a bull or phone call from either of them. To make matters worse, when I called XXXX XXXX six weeks ago, I spoke with a supervisor who admitted to not sending any letters and also stated she would reach out to the collection company and have them and Sound Physician remove these three accounts from my report. I'm not sure why they reported these medical bills because these bills were accumulated on behalf of my special needs son who has XXXX and all of his medical bills are paid for 100 % by XXXX. The supervisor admitted to having spoken with XXXX and XXXX advised them to terminate the account. I have reached out to all three credit bureaus and filed disputes to no avail. My credit is ruined and I would like them to remove themselves from my credit report as they are knowingly reporting a lie to get paid for accounts XXXX has already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
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:
I received a title loan from XXXX for less than {$3000.00} back in XX/XX/2017. I was unable to repay the loan my vehicle was repossessed by XXXX and sold at auction. Now my credit report shows original title loan as 48-month auto loan that it is not and has never been a traditional auto loan. Also, on my credit report XXXX has the status as a charge off and as active with a balance over {$33000.00} simultaneously which is adversely hurting my XXXX XXXX and preventing me from obtaining an FHA home loan.

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 2023-06-03
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 Sta
tes : 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