hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2017-11-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.

Complaint:
I have been going through a severe financial hardship these past several months. My income was severely impacted, and I had a hard time making payments. I kept my balance low on my Macy 's credit card and always made my payments on time. My balance as of this writing is {$650.00}. I went on to pay my monthly bill, and received a notification that my credit line decreased from {$4000.00} to {$700.00}. This has dropped my credit score even more, and is not ethical. I have always been in good standing with this creditor, and they have made even more difficult for me now to get back ahead from this recent hardship.

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 2023-10-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group

Complaint:
Account name XXXX XXXX XXXX XXXX ( PURCHASED AN ACCOUNT FROM " XXXX XXXX THAT HAD A FRAUDULENT ACCOUNT TAKE OVER WITH FRAUDULANT UNAUTHORIZED CHARGES A WHILE BACK " AND NOW HAS IT IN COLLECTIONS AFTER I REPORTED FRAUD AND THEFT TO XXXX XXXX MULTIPLE TIMES, I AM NOT RESPONSIBLE FOR ANY CHARGES AND WILL NOT PAY IT, THE ACCOUNT WAS STOLEN AND USED WITHOUT MY PERMISSION. IT IS IDENTITY THEFT, REMOVE IT! BELOW IS THE ONLY INFOR I FOUND! 

Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/2023 Status Collection account. {$710.00} past due as of XX/XX/2023. 
Status updated XX/XX/2023 Balance {$710.00} ( FRAUD ) Balance updated XX/XX/2023 Recent payment - Monthly payment - Original balance {$710.00} ( FRAUD )

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 2017-09-14
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: EQUIFAX, INC.

Complaint:
Equifax did not take the appropriate steps to keep my personal information secure. Following the break into their system, their executives hid the event and made money off of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
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:
HELLO, EARLIER THIS YEAR WHILE CHECKING MY CREDIT I NOTICED A BUNCH OF RANDOM ACCOUNTS ON MY PROFILE, NEVER APPLIED OR EVEN HEARD OF THESE COMPANIES. I DISPUTED WITH THE COMPANIES AS WELL AS THE CREDIT BUREAUS. MY PURSE WAS STOLEN RECENTLY SO I CHECKED MY CREDIT AGAIN, JUST TO FIND THAT THEY ARE STILL REPORTING EVEN AFTER DISPUTING AND PLACING A FRAUD ALERT AND EVEN MORE ACCOUNTS APPEARED. THIS IS VERY FRUSTRATING. I CANT EVEN GET AN APARTMENT TO LIVE FOR ME AND MY XXXX PLEASE PLEASE HAVE THESE ITEMS REMOVED IMMIDIATELY FROM MY REPORTS THEY ARE FRAUDULENT!

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 2023-08-02
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: EQUIFAX, INC.

Complaint:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-17
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:
I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can not obtain a job, can not apply for credit, and can not obtain a SBA loan due to the pandemic. Under this crisis, you have hurt my ability to use my credit.

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 2022-04-08
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 have disputed the XXXX  credit card account that Experian is reporting 2-3 times. Each time, Experian XXXX XXXX allows XXXX XXXXo report inaccurate information, changing the information reported each time. For example, upon updating the credit line was the investigation was completed ; it now reports my XXXX payment is 30 days -the XXXX payment is NOT DUE until XX/XX/XXXX. 
Furthermore, Experian XXXX XXXX continues to allow the account to report that the XXXX payment was 90 days late when- a partial payment was made on XX/XX/XXXX and another on XX/XX/XXXX ; so a payment due on XX/XX/XXXX was not 90 days late.

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 2023-02-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.

Complaint:
I contacted XXXX XXXX in XX/XX/XXXX when I noted that I was a victim of identity theft based on a hard inquiry on my credit report that I did not initiate. During this communication, they indicated that it was marked as fraud. Once it was marked as fraud they told me it would be removed from my credit report without any further action. 

Today, XX/XX/XXXX, I noted that this hard inquiry remained. I contacted XXXX  XXXX again and after speaking with a CSR, a XXXX specialist, and a supervisor, I was told that they would not be taking care of it, they marked it as fraud, and in order for me to get it removed I was required to send them a letter containing my name, address, telephone number, FULL SOCIAL SECURITY NUMBER, and a copy of my credit report. I reminded them that I was just a victim of identity theft and was not comfortable sending this amount of confidential information in writing and potentially expose my self to identity theft again. I offered to submit and online request or to send a letter without this type of confidential information. The supervisor, XXXX, informed me that there were not other options and if I wanted this corrected I would be required to send this confidential information how they requested. 

It is not appropriate to require a victim of identity theft to send this type of confidential information by main in order to rectify identity theft. This needs to be resolved internally by XXXX XXXX as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
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: EQUIFAX, INC.

Complaint:
Im submitting this complaint against XXXX Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
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 have noticed many incorrect and unauthorized items appeared in my 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 2017-01-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC

Complaint:
A collections report keeps appearing on my Credit Report for a debt that is not mine and I am never notified of the debt until it appears on my Credit Report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2021-05-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Consumer Portfolio Services, Inc.

Complaint:
Consumer portfolio sold the account in my name to another company after repossessing the car and selling it. The car was repossessed the year ofXX/XX/XXXXand the account was sold the company number it was sold to is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
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:
It has come to my attention that although I have written several letters asking for validation of debt, permissible purpose letter, audit trails for validation of debt and inquiries I have not received any response because of the automated system you have in place which is in fact a violation as well. 

I am afraid these 3 credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality and a respect for the consumers privacy, I did not give consent to these accounts. 

I have remained humbled despite the stress, abuse, and harm these 3 credit reporting agencies have done to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Harvard Collections, LLC

Complaint:
I previously filed a complaint with the XXXX XXXX XXXX and with the federal trade commission regarding a collection that was over 30+ years old. The collection company removed the amount from all three bureaus and close this matter. Today I received an email and a phone message from XXXX XXXX from the collection agency Regarding how to answer the appeal today. I received a phone call from a person named Judge XXXX from XXXX  Of Illinois to hear my appeal and disclosed this matter I explained that this collection attempt was closed and she kept asking me if I was going to cancel the appeal or if I still wanted to do a hearing she stated she did not have any information that this account was closed I told this person Judge XXXX not sure if she is even a judge if there was no case there was no information that this was a close matter I contacted after my phone call ended XXXX XXXX to tell him to stop calling and harassing me over this 30 year old overpayment collection that was closed with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CMRE Financial Services, Inc.

Complaint:
TODAYS DATE:XXXX ATTENTION DISPUTE DEPARTMENT CMRE. XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CMRE. XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.

Complaint:
5 credit cards closed ... since 2010... making payments, etc Back then worth XXXX, XXXX, the 5 together... .which is worth a home equity line of credit Was Blacklisted Blocked defamated discriminated retaliated ilegally persecuted, harrassed

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 2016-03-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Please have lates removed from XXXX 2010 XXXX XXXX account. Account was under bankruptcy at time of reporting.

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 2020-06-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: USI Solutions Inc.

Complaint:
I received a letter in the mail saying that I owed on an account that I never had. They are trying to get me to pay a reduced amount for the whole of the account. They sent a fraudulent bill. I checked my credit report and the account is not there. I am contacting this department to report them for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
In my previous complaint I asked them to remove certain things off of my credit report because they were very much in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) .They Are reporting personal non-public information with third party entities such as XXXX XXXX XXXX and TransunionI just want them removed from all 3 of my credit reports.If this does not happen I will file a lawsuit.

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 2017-09-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.

Complaint:
Nelnet Several accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.

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

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 2022-11-05
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: Experian Information Solutions Inc.

Complaint:
In accordance with the Fair Credit Reporting act, 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 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 2019-02-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.

Complaint:
Up until 2 years ago I was never shown an option for IDR. My loans were always in deferment, which was the only option aside from forbearance that was ever offered. So for 8 years I was continually being charged interest. I researched on my own and found the IDR. I applied and obviously was approved. I didn't start working until 3 years ago. So the first 7 years my income was {$0.00}. Now I owe around $ 2k MORE THAN my original loan, 10+years ago.

Company response to consumer: Closed with explanation