hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.

Complaint:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
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: ERC

Complaint:
XXXX  opened a fraudulent account in my name. The person I spoke with in the fraud department said it could have been the person who lived here before me and they're placing the account under my name as a result. In order to have this account removed from my credit report, XXXX  is asking me to send them proof of residence which I don't have. They're telling me that they possibly mistakenly put this account in my name and the burden is on me to produce a document I don't have access to in order to have this fraud removed from my name. XXXX  sounds like a reckless company with unfair collections policies. Neither they nor the collections agency they've placed my account with have access to my account information because the account is too old. They can't even give me a complete address. The collections agency only has the city, state, and zip code. The collections company has no proof that I owe this debt and neither does XXXX XXXX. They're expecting me to jump through hoops to prove that I don't owe this debt but they can't even provide something as simple as an address where the service was supposedly installed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC

Complaint:
Enhanced recovery company is stating I owe a debt of {$1500.00} opene d 2017. I  repeatedly disputed this claim several times which was originally through a debt collector named  XXXX   XXXX  system and was deleted from my credit report and 3 months later Enhanced recovery company added it back on. the reported information is incorrect. I 've sent my  XXXX  balance proof to  XXXX   XXXX   XXXX . I have never received any paperwork from Enhanced recovery company stating I owe the debt or details of the debt. This false new activity from enhanced recovery company have caused m y credit score to d rop over  XXXX  points which has affect my ability to close on a home for my children. I would appreciate if they could immediately delete their recent activity off my credit report from all  XXXX  bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.

Complaint:
I filed a complaint my with Equifax and they closed it without addressing the issue- that they were reporting without written authorization. Im refilling this complaint XXXX and enclosing screenshots of the original complaint and answer given that doesnt address the core concern. 


Please remove these accounts at one complaint These accounts are reporting and have reported without my authorization. 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Accounts above with 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. Please remove these items from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Green & Sons Agency, Inc.

Complaint:
XXXX XXXX is currently reporting 2 accounts on my credit report : XXXX & XXXX All my medical bills have been paid and they are very old. Insurance paid them. I do not owe any other bills and they are not valid. THey are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION

Complaint:
My FICO score dramatically decreased due to credit acceptance Corp reporting 30 days past due on my account. Their system reflects I paid XXXX payment XX/XX/20 when in fact it was paid XX/XX/20 at XXXX XXXX eastern time. I disputed with credit bureau and made numerous attempts to reach them to attempt a goodwill deletion to no avail. The payment was not more than 30 days due to the pandemic I tried my best to pay on time and in the 45 months thus far with my loan I have never been late. I have 7 months left and asked them to please resolve this as I consider myself a good customer they simply added a natural disaster code on my report which did absolutely nothing for my score. I believe my payment did not reach the new billing cycle and their reporting is not correct and based on my payment history they should work with me. I will have paid them XXXX for a car that was only XXXX due to high interest rates however I never complained and have always paid them every month and not they will not help me in a time where the whole country is struggling.

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 2020-07-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Valentine and Kebartas, Inc.

Complaint:
The company is Valentine and Kebartas LLC XXXX XXXX  XXXX XXXX, MA XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX They lied to me and said they had a gift and great news for me and then she said it was illegal not to pay my bills. I explained to them that both my cards were stolen from XXXX XXXX XXXX  and they did not help me resolve the balance and this company said they did not care and threatened to put the account on my credit report although XXXX XXXX has charged the account off. 

If the account is charged off why is this company harassing me and i had nothing to do with them. I am XXXX  and XXXX and on XXXX so can not pay XXXX XXXX back but offered to make payments and not they are saying it is too late because the accounts are charged off. 
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 explanation
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.

Complaint:
I have a few XXXX XXXX XXXX XXXX and. XXXXXXXX XXXX Hard inquiries on my credit and I believe someone was trying to open those accounts under my name. I did not authorize them yet they are on my credit report as hard inquiries.

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 2020-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA

Complaint:
FedLoan Servicing is mismanaging the Public Service Loan Forgiveness Program. So far, they have failed to properly apply all of my qualifying payments. Although I have submitted my employment certification form each year and have made qualifying payments on each of my loans, there is a discrepancy in how the payments have been allocated. First off, not all of my qualifying payments are showing up in my account. The qualifying payments that do show up are unevenly distributed. Some of my loans show only 7 qualifying payments, while other loans show 16. I also submitted an employment certification form for my XXXX service over a year ago, and they have not processed and applied my qualifying payments to my account. I had to call four separate times to notify FedLoan servicing of the issue, before one of their representatives finally flagged the issue for future review. I call periodically to check up on the status of my account, and each time the representatives are unable to assist me. They say it's out of their hands and they have no idea how long it will take before someone reviews my account. The last representative informed me that they have such a long queue of people who have already completed 120 payments but still have not had their accounts reviewed, that they are unable to estimate how long it will take to look at my account. I was told that my account is not a priority given that I am not close to 120 payments, and this indicates a serious problem in FedLoan Servicing 's ability to manage the Public Service Loan Forgiveness Program. Especially since they are making mistakes on my account this early on, and are unable to fix the issues in a timely manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc.

Complaint:
i was charged for a apartment debt, while i was XXXX in XXXX with the XXXX, i was protected by the military clause and they wo n't remove the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA

Complaint:
I consolidated my private loans from XXXX to XXXX. Upon XXXX disbursing a check and a letter for any amount in excess of the outstanding loan balance to the loan holder, XXXX gave a refund in excess of the full loan amount. For the exact amount of the refund checks sent to me, the loan holder, they serviced the loans to a XXXX loan-servicing company. This was done unbeknownst to me. I received refund checks from XXXX along with a new loan notice from a company I did not consolidate with, AES. In brief, XXXX deceptively disbursed the loan in full to XXXX, gave me a " refund '' that was the exact amount as the amount sent to a third party service provider in order to collect monthly interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
There is incorrect personal information on my 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 2017-08-04
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:
not sure I see some inquiries on my report, that I did not do

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
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:
Hello, my name is XXXX. i have been going back and forth with XXXX XXXX Regarding unauthorized inquiries and accounts on my report that I didn't authorize nor open. These inquiries and accounts are preventing me from opening any new bank accounts. I have submitted multiple FTC complaints and gave received no help or solutions. We are on the verge of filing a lawsuit against for the violation of consumer act for reporting inaccurate accounts on my XXXX XXXX report. This is total XXXX and I have been sending back to back letters with my attorneys. The accounts are as follows : BANK OF AMERICA GEORGIA ( account XXXX ), XXXX XXXX XXXX XXXX account number : XXXX ), XXXX XXXX XXXX ( account XXXX ), XXXX XXXX XXXX XXXX ( account number : : XXXX ), XXXX XXXX XXXX XXXX ( account number : XXXX ), : XXXX XXXX XXXX XXXX ( account number : XXXX ), XXXX XXXX XXXX XXXX ( account number : XXXX ), XXXX XXXX XXXX XXXX ( account number : XXXX ), as well as the following inquiries : XXXX XXXX ( XX/XX/19 ) and XXXX XXXX ( XX/XX/19 ). 
I will be pursuing litigation against them for fraud pain suffering!

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 2018-09-12
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 are 90 day delinquencies on my credit report that are erroneous. I set up deferment status with the student loan company and they neglected to follow through with the status update on my file. 3 months later I received my first late notice. I called and inquired as to why I was in delinquent status and was informed that there was no deferral in place on my account. I explained that I had spoken to someone about the deferral previously and was told that I would be granted an administrative forbearance retroactively and have the delinquency taken off my credit record. 

A few years later I checked my credit report to see that the forbearance had never happened as promised and that I still had 4 separate delinquencies stemming from one bundle of loans all originating from the same lender. I believe this in itself is a unfair practice and unnecessarily burdens young XXXX  by damaging their credit excessively. 

I believe the error in reporting is due to an overloaded staff at the agency. I was very clear about the terms of deferment and forbearance on the phone but my account was not updated to reflect this.

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 2023-02-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC

Complaint:
I received a bill for XXXX XXXX from XXXX XXXX XXXX at the XXXX XXXX XXXX which I paid in full on XX/XX/2022 ( receipt attached ). Even though this bill was paid, XXXX XXXX XXXX sent it to debt XXXX, Wakefield and Associates ( XXXX XXXX XXXX XXXX TN XXXX ). I then received a letter from Wakefield and Associates that the bill was sent to debt collection. I informed the debt collector 's office over the phone that the bill was already paid to XXXX XXXX XXXX within due time. Despite this correction, neither XXXX XXXX XXXX at XXXX XXXX nor the debt collector at Wakefield and Associates fixed their mistake. The bill shows up as a derogatory mark with multiple credit rating agencies and was reported to them on XXXX, 2022 - 4 months after it was paid for- and still shows up as open on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I sent a letter disputing fraudulent furnishing on my credit report on XX/XX/21 to the three Credit Reporting Agencies ( XXXX XXXX, Transunion ). And all three have failed to legally remedy my report and delete the inaccuracies. According to FCRA and 15 U.S. Code 1666b Timing of Payments. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. '' These agencies also violated my rights by furnishing these late payments without permissible purpose and consent by me, under 15 U.S. Code 1681b. 
It has been over 30 days with no response so I have sent a additional letter on XX/XX/21 and have included that also.

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 2021-07-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FirstCollect, Inc.

Complaint:
In XX/XX/XXXX upon reviewing my paycheck I noticed almost {$300.00} were missing, after contacting payroll services i became aware that a " garnishment '' had been placed under my name in the total amount of {$680.00} ( don't know if there are more to come ). Contacted XXXX and they referred me to XXXX under a collection agency apparently called " first collect '' and spoke to " XXXX '' who would then inform of a hospital bill under my name. The hospital is " XXXX XXXX XXXX '' in XXXX DE, according to XXXX from First Collect, this people used all my info and even took advantage of using my own medical insurance, the " date of judgement '' is XX/XX/XXXX so i have no idea when the incident actually happened. Needless to say I have NEVER in my life visited the state of Delaware and have never had the need to visit a hospital in my life. I was able to provide an address for the collection agency to send to my job in order stop garnishing my funds and I was also made aware that the funds that have been taken out of this paycheck is " supposed to be reversed '' i just don't know if its true or when this will be done. This situation completely took me off guard because I have never seen a medical bill from this place in my credit report and i have never received a letter of collection to my address in TX or a phone call which makes me think the fraudster may have given some of her contact info. The only other information I know ( from the collection agency ) is that aside from using all my info there was an address in " XXXX Delaware '' on file but the actual address was not given to me. So this person might still live there. I do believe this may be an undocumented person using my information to work because back in XXXX I almost got denied for unemployment due to the fact that " I was working in the fields '' but it was definitely not me as there has not been a need for me to work in this line of business. This ( i suspect ) is due to a car break before XXXX in in where someone stole my SSN, birth certificate, ID and a few other documents items that were left behind in my purse ; A police report was made under the car owner ( my friend ) in XXXX TX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
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: HYUNDAI CAPITAL AMERICA

Complaint:
XXXX XXXX XXXX - This just proves your lack of proper record keeping. Now, this item is reporting to be 30 days past due ( XX/XX/19 XXXX, yet it is closed and the balance is XXXX. Lets correct this immediately. You are required to verify for yourself but I will go ahead and remind you that this account was paid, otherwise remove immediately. 

XXXX  - This account has been closed and paid, yet you report the current status as Late 30 days! Update or remove account 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 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to the Credit Bureaus requesting that they correct these erroenous accounts being reported on my Credit File because Experian has been doing nothing! This complaint is to follow up my previous cmplaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue Experian for their willful non-compliance of the FCRA statute. Only if they chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX XXXX Late Dates XXXX, XXXX XXXX XXXX Late Dates XXXX, XXXX  XXXX XXXX Late Dates XXXX, XXXX XXXX XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX Late Date XX/XX/XXXX, XXXX XXXX XXXX Late Dates XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.

Complaint:
IN A COMPLAINT REGISTERED WITH CFPB ON XXXX CASE # XXXX REGARDING XXXX COMMUNICATIONS AND CONVERGENT OUTSOURCING, INC, I STATED THAT THIS DEBT WAS NOT OWED ON MY BEHALF 9SEE ATTACHED LETTER ) AND DISPUTED THE DEBT AND I THOUGHT IT WAS ILLEGAL FOR THE 2 COMPANIES TO TRY AND COLLECT THE SAME DEBT. 

ON XX/XX/2022 COVERVERGENT OUTSOURCING STATED IN A RESPONSE TO THE CFPB CLAIM NUMBER XXXX ( ATTACHED ) THAT THEY NO LONGER WERE ATTEMPTING TO COLLECT THE DEBT. 

I RECEIVED ANOTHER LETTER FROM CONVERGENT OUTSOURCING ON XX/XX/2022 ( ATTACHED ) THAT THEY ARE ONCE AGAIN ATTEMPTING TO COLLECT THIS DEBT THAT IS NOT OWED. 

ARE THERE LAWS AGAINST THIS TYPE OF HARASSMENT?

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