hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-11-15
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Synergetic Communication Inc

Complaint:
This company has called my phone multiple times under different phone numbers and using different agents requesting that I confirm my name, address, and DOB. When I requested why the need for my personal information, they only state that it is a " personal matter between myself and my mom ( they use her given name instead of stating XXXXyour mom ' ) ''. Due to security risks, the very vague answer, and being unfamiliar with their company, I blatantly refused to provide any information unless they will tell me what the so-called personal matter is. They also threatened to call my mom. I refuse to allow my mom to be harassed by them as scammers have called her in the past resulting in her having panic attacks. They have also been known to call during my standard work hours of XXXX to XXXX which puts my job at risk.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.

Complaint:
hi I went to the XXXX XXXX new york branch on XX/XX/XXXX and opened the business checking account with promotion of deposit the {$50000.00} for 60 days and get {$1000.00} bonus.my business checking account ( XXXX ), money market account ( XXXX ) I signed XXXX forms and deposit the check on XX/XX/XXXX and move the money out on XXXX XXXX, but until today XX/XX/XXXX, i still did not get the bonus as promised. i have emailed the banker since XXXX, XXXX, and she opened the case for me, but still no result. i have emailed and called several times asking for the bonus, no result in the end.. which is very upset

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 2017-11-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.

Complaint:
This morning, XXXX XXXX XXXX, I received a notice that my credit was lowered due to an outstanding debt. That was strange because I have been diligently paying all bills. 

On XXXX, I see this erroneous debt of {$200.00} being collected by " DIVERSIFIED CONSULTANT XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX '' dating on to XXXX XXXX, XXXX on behalf of XXXX XXXX 

However, all of my bills for XXXX have been paid on time and in full. I contacted XXXX XXXX XXXX to make sure I have no late payment. I have 0 $ balance, my account is in good standing. I checked my XXXX billing statement and I have a payment confirmation for XXXX See attached document. Needless to say I was never contacted by " DIVERSIFIED CONSULTANT '' by phone or mail regarding this debt. 

I am currently applying for a US Gov't Clearance. This report will negatively effect my Clearance and employment status. I will pursue criminal charges against " DIVERSIFIED CONSULTANT '' to the fullest extent of the law. 

There are many matching complaints online from others victimized by this company. 

Thank you for removing this false claim immediately. 
Best regards, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diaz & Associates, Inc.

Complaint:
yes, I try calling numerous times, in XX/XX/XXXX. XX/XX/ and again XX/XX/ explained not my debt, they still call my job, people from my family, they get all information, I asked to validated the debt that they say o owed, they say. they just hung up on me. I already put a fraud alert in my credit report. this so call debt was showing on XXXX, it started to show on XXXX file as of today. this debt have to come off .I don't know what to do, it is fraud. I even call XXXX XXXX, way before it went to diaz and associates XXXX XXXX XXXX. # XXXX, XXXX, ca. XXXX tel # XXXX had it im dispute with XXXX, been over 30 days, have not been deleted and now reporting on XXXX  report. please help me. I appreciated you helping me with XXXX XXXX XXXX was deleted, they saw the error. I am desperate, this is ruining my credit. This company did nothing only theaten me, calling employer. I could have been fire for this. This is aggravating. The debt amount they say I owed is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
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:
Experian needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiry reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiry and accounts that I am disputing : XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$260.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$6300.00} XXXXXXXX XXXX  XXXX Balance : {$890.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXXXXXX Balance : {$11000.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX Balance : {$1000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  Balance : {$1100.00} XXXX  XXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00} US SM BUS ADMIN ODA Date of inquiry XX/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 2018-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
On XX/XX/2018 Capital One Bank falsely reported negative inaccurate account information to Credit Bureau agencies adversely affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
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:
It is a private loan with Navient I am unable to find flexible repayment options. I've been repaying these loans for a long time at least 10 years and they never offer different option for repayment plans. I feel the school was also predatory because they told me I could consolidate these private loans and it was very misleading on the school part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I applied for a credit card with capital one on XX/XX/19 over the phone, in doing so the representative that did the application did not disclose all the information of the process of the application. I was not told that my credit would be pulled from all three credit agencies. I called back in to inform them of the situation the same day because I have a credit monitoring service that alerted me of this. The person at capital one told me I can call in to have them removed or to redo the application. I told him that I didnt want to do the application again because that would put more inquiries in my credit reports. I called in on XX/XX/19 to see about getting them removed and was told by a supervisor name XXXX that my credit was not pulled but that was not true and I read her off the proof that came from the credit service. We went back and fourth about it until I asked to speak to someone else. The person I spoke with said that he seen the inquiries on my credit reports and there was nothing he could do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
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 was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report 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 2022-03-29
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 XXXX  : XXXX *XXXX XXXXl Account : XXXX XXXX  XXXX Account : XXXX Has Violated My Rights. 

15 U.S. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( B ) Reporting information after notice and confirmation of errors Apersonshall not furnish information relating to aconsumerto anyconsumer reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL

Complaint:
On XX/XX/2022, I sent Synchrony/Mattress Firm a certified letter regarding the account in question, in which they are claiming that I owe {$580.00}. I explained to them that I do not owe what they are saying I owe and the letter was a formal notice that their claim is disputed. I also requested validation ; that is competent evidence bearing my signature with my social security number, showing that I have ( or ever had ) some contractual obligation to pay them. In addition on XX/XX/2022, I sent another certified letter and this is my 2nd attempt trying to get this resolved and OFF 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 explanation
Consumer complaint received 2022-05-25
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:
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.

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 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint:
When I reviewed my credit report, I discovered that an account was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to be investigated and deleted from erroneous reporting in my file are listed on my credit report : 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 2020-12-01
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Do you want to be the " last man standing ''? XX/XX/XXXX andXX/XX/XXXX have deleted the incorrect items, ( sent via XXXX XXXX. This is precedent. If you do not delete the incorrect items on my credit and raise my score accordingly, ( to what it was ), I will be filling a lawsuit against you on XX/XX/XXXX XX/XX/XXXX, naming both Transunion and XXXX XXXX directly. As previously stated, it will be small claims, no lawyers allowed, and Mr. XXXX will have to make an appearance since he will be personally named, and I will sue you for XXXX 


YOU HAD 30 DAYS AND DID NOT INVESTIGATE. PER THE FAIR CREDIT REPORTING ACT YOU MUST DELETE THIS INFORMATION.

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 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
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 # XXXXXXXX XXXX XXXX XXXX I # XXXX, XXXX XXXX XXXX  I Account # XXXX, XXXX XXXX XXXX  I Account # XXXX, and XXXX 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
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:
XXXX, XXXX, and Experian is reporting a Authorize user account on my profile that I did not authorize and I need to have this removed from my consumer report 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 2019-06-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.

Complaint:
On XX/XX/2019, I submitted a complaint to your office. It was Complaint No. XXXX. It involved my student loans through Pioneer Credit Recovery. I had defaulted on my student loans. I entered into a payment plan with Pioneer Credit. I have been faithfully making monthly payments. The Dept of Education took my federal income tax refund this year. They should not have done so because I had entered into a monthly payment plan. On XX/XX/2019, Pioneer Credit Recovery responded to Complaint No. XXXX. Pioneer had responded that my account was erroneously certified for treasury Offset. Pioneer responded that it had taken necessary steps on the Dept of Educations system to request a refund of taxes in amount of {$1500.00}. I still have not received a refund. I have been waiting for it and I have not received. When will I receive the {$1500.00} refund which I deserve?? The Complaint was not resolved so I have filed another complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BCG Equities, LLC

Complaint:
I payed of an auto debt on XX/XX/XXXX. Before that XXXX XXXX XXXX  who was hired by BCG Equities LLC threatened to garnish my wages and even reached out to my employer on several occasions. I tried negotiating with XXXX and between them being rude and yelling at me it was not getting anywhere. Since I paid the debt off in XXXX I have been trying to retrieve the title to the XXXX XXXX XXXX. XXXX lXXXX XXXX would not give me any information on how to retrieve the title and by mid XXXX I had found out about BCG Equities and was able to find there contact number. Since XXXX I have called them every other week looking for my title and they kept telling me that they were processing it and should be soon at getting it. Yesterday I got a court document in the mail that released the lean from the car signed by the judge, but still no title. I called BCG Equities today and they said that is the best they could do and they did not know where the title was at and that I needed to go to the DMV to file for a lost title when I was not the one that lost it mind you. I explained to him that I would have to pay extra money for this and that I had already paid them for the tags, title, taxes, his response was that's the best I can do. They went in front of a judge trying to get money back on a car that they did not even have documents for, I do not understand how this is legal for them to do this to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
In Accordance with Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX has violated my rights. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( F ) - Reporting information during Covid-19 Pandemic ( ii ) ( I ) states if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current.

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 2019-12-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.

Complaint:
A few months ago I was startled by an alert on my credit advising that a collection account appeared on my credit from a company called LVNV Funding. I immediately contacted them by phone only to be on hold for an extensive period of time. I also sent them a certified letter to the address on my credit which is LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX and the letter was returned. However the account remains on my credit and I was not notified before they placed the account on my credit .... put simply the unknown debt was not verified and I can not reach them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14
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: Exeter Finance Corp.

Complaint:
In accordance with the fair credit reporting act XXXX account # XXXX violated my rights 15 USC 1681 Section 602 states i have the right to privacy 15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC 1666B A creditor my not treat a payment on a credit card account under a open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation