hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2020-08-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KINGS CREDIT SERVICES

Complaint:
Kings Credit Services began seizing a part of my wages in or around XXXX to collect on a medical debt. I spoke with a representative of the company ( XXXX XXXX ) after ending my job to setup a payment plan for what she claimed was the remainder of the balance owed. After continuing to make payments for an extended amount of time, I received a balance owed letter in XX/XX/XXXX that resembled the original amount of my debt. Upon calling XXXX, she stated that they had allocated my paid funds to new debts which I was not informed on while the original debt continued to garner interest. When confronted about misapplying funds, XXXX ceased communications. I sent out a letter on XX/XX/XXXX attempting to make a final lump sum payment for the debt. I did not receive any response and followed up via mail correspondence on XX/XX/XXXX. On XX/XX/XXXX I received a response from XXXX with an amount they would be willing to accept based on the payments I had made to date and the amount owed, however in XXXX 's new statement, my payments made-to-date had been altered to show a significantly lower number than I had actually paid. I addressed these false representations in a response to XXXX and received no response. As of my last letter ( dated XX/XX/XXXX ) I have not heard from XXXX or Kings Credit Services. However, I attempted to dispute the collection on my credit report but they refused to cooperate with the credit reporting agency. All of the letters mentioned in this statement have been included as an attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC

Complaint:
Received notice that a collection account was opened by Sequium Asset Solutions , LLC. for a debt " owed '' to XXXX in the amount of {$48.00}. I never received a phone call, email or notice in the mail. The same amount was sent to collection last year. The charge was disputed because I did return my equipment. XXXX credited back my account and the debt was removed from my credit report. I initally paid the {$48.00} owed to XXXX and they issued a refund when they received the credit update from XXXX. Now, I am in collection for same amount as last time. XXXX did not remove the debt from their system and once again, sent me to collection. Attached is the previous report from the last dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
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 have submitted disputes to you, and you took more than the 30 days the law allows. You are now breaking the law. Please investigate my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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:
My credit report and personal information has been compromised by Equifax. Equifax has reported that they have been hacked and millions of peoples personal information has been stolen. They state so through https : //www.equifaxsecurity2017.com/potential-impact/. I have inquired about my personal impact and it states my information may have been stolen. 

This is completely unacceptable for one of the 3 major credit reporting agencies to have such mediocre cybersecuirty and have my personal information stolen. Equifax is irresponsible in handling my sensitive data and the measures they are taking to help people impacted is poor to say the least. They are providing only 1 year of free credit monitoring services, and you have to agree to waive the right to sue them for their credit monitoring services. That is such an evil business tactic for them to cover themselves by forcing you to agree to such a waiver. 

Equifax released an explanation of this waiver saying arbitration clause and class action wavier included in the TrustedID Premier Terms of Use applies to the free credit file monitoring and identity theft protection products, and not the cybersecurity incident. That does not acceptable whatsoever either. I am not going to waive my right for legal action if the credit monitoring and identity theft protection is compromised as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.

Complaint:
Navient/XXXX has made it virtually impossible to repay the principal of my loans. I have XXXX loans currently held by this company. I consolidated my federal loans with XXXX in XX/XX/XXXX. Since that time, my loans entered into a period of economic deferment and forebearance. The interest was capitalized and when those periods ended, the loans were repaid on time, every time. I had XXXX issue which led me to call Navient ; I was curious as to why my principal was not decreasing at all. I was told that I was paying late, which was untrue, statements prove it, but was told that if I was not paying XXXX days before the due date the payments were considered late. In addition, when I asked why Navient did not have an amortization schedule ( why was n't a portion of my monthly payment going toward principal and fees/interest ), I was told they always apply the payment to interest and fees first. No exceptions. This is in complete disregard to some of the information on their website. Essentially, in past years I have paid over {$700.00} per month to Navient and was lucky if {$11.00} went toward principal. I will freely share this information if requested. To highlight the problem, I originally got a consolidation loan for over {$37000.00} over XXXX years ago. I have been repaying on time ( excluding economic deferment and forebearance periods ) and yet, after all this time, I now owe over {$38000.00} in principal. This is XXXX of XXXX loans of similar size. I understand that interest gets capitalized, but these numbers seem a bit off and whenever I have called to discuss these matters, I have either been told I need to go into default or just treated like a criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY

Complaint:
The company I work for, XXXX XXXX XXXX XXXX XXXX, based in XXXX, NJ, sent via ACH a direct deposit in the amount of {$1200.00} from our company bank to my American Express Bluebird checking account on XX/XX/2018 at approximately XXXX XXXX The funds should have been available on Monday XX/XX/2018 XXXX the next day has always been customary with these types of transactions in the past ). It is now nearly XXXXXXXX XXXX on XX/XX/2018 and not only are the funds not available, but American Express, who has acknowledged the funds are there states that " your funds are safe '' and they are working with their partners to resolve the situation. They acknowledge " an interruption to direct deposits affecting Personal Savings,  Bluebird, and Serve customers ''. I need MY money ASAP - I have bills to pay. American Express being sorry for any inconvenience this may cause is not paying my bills. Please look into this immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc

Complaint:
I have asked that this debt be removed from all 3 credit reports. So far this company removed from 1 ( XXXX  ) but not the other two. This debt is fraudulent and does not belong to me. Please provide original signed agreement with my signature to prove this debt. I have proof of identity theft and will provide police document if necessary.

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 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
When I reviewed again my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 2022-07-29
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-24
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 stated that the following account was verified XXXX  ( XXXX ) was verified. The debt was charged off and sold to XXXX and XXXX XXXX services which went bankrupt/merged with XXXX XXXX XXXX which was liquified and closed, due to various FCRA lawsuits . Experian was/is unable to verify the debt as it was sold and both companies are no longer in business. As per FCRA a debt must be able to be verified to be allowed to stay on a credit report. If it can not be verified it must be removed 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 2022-04-27
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: Experian Information Solutions Inc.

Complaint:
I DID NOT AUTHORIZE THIS INQUIRY AND NEEDS TO BE REMOVED FROM MY ACCOUNTS. 

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 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.

Complaint:
I am writing this to discuss about how on multiple occasions this company continues to report incorrect personal information about me and won't fix it. I have sent my drivers license, social, utility bill and nothing is ever corrected.

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 2020-01-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I mailed in dispute letters to the three credit agencies XXXX, TransUnion, and XXXX  to have them make the necessary corrections to my credit reports. I mailed the dispute letters on XX/XX/2019 and I have not received a response from them yet.

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 2021-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint:
OnXX/XX/2021 I sent a letter regarding inaccurate and late payments on my credit report to this day over 75 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and it has been over 75 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate, late payments and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 
I have already disputed these items on XX/XX/2022 and XX/XX/2022 but the bureaus did not remove them nor prove proper validation. 
Sec. 602. States " I have a right to privacy '' 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 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 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 XX/XX/2022 Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.

Complaint:
I disputed a collection that stated i owe {$490.00} which is with XXXX XXXX. Account number being XXXX. The creditor responded back in a timely manner with a statement saying they verified the debt and its 's mines. Defiently not true. I then wrote back and ask them how did they verify this debt and please provide me with an original contract of some sort with my signature on it which should have my correct spelling of my name. All paperwork that has been forwarded to me also the credit bureaus has misspelling of my name 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 2020-02-10
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:
Decided to make a big move in buy my first home. I knew I wanted to go into a first time home owners program, due to them being able to help you financially. As I was sitting with my mentor she said my credit needed to be pulled. I knew I had good credit so I was not worried about that being the first step. Out of surprise a big list of accounts I have never seen or heard of in my life showed up. Those fraudulent accounts do not belong to me. Please remove these things form my report. 

XXXX  XXXX {$680.00} XXXX XXXX   XXXX {$6200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
On XX/XX/2018, I noticed there was a US BKPT CT dismissed listed on my Experian Credit report. On XX/XX/18, I sent a certified letter to Experian asking them to validate this listing, which they received and signed for on XX/XX/2018. I received a reply from Experian on XX/XX/18, stating that " The company that reported the information has certified to Experian that the information is accurate ''. On XX/XX/18, I sent another certified letter to Experian, which was received and signed for on XX/XX/18, asking them how they validated this listing, and to provide me copies of such. I received a letter dated XXXX, from Experian stating " We have previously processed your dispute and the credit grantor has verified its accuracy. I also received and have attached a copy of the letter dated XX/XX/18, stating, " ... .public record items, which are obtained from courts and other government offices. 
I have attached a letter from U.S. Bankruptcy court stating that they do not report nor verify this information. Experian is knowingly and deliberately not abiding by the FCRA 623 ( a ) ( 5 ) and FCRA, Section 609 ( a ) ( 1 ) ( a ) law ( s ) that govern them.

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 2021-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP

Complaint:
I tried to complete online banking activities onXX/XX/2021 for my business checking account but access was denied. When I called the customer service department on XX/XX/XXXX, XX/XX/XXXX & XX/XX/2021 I was advised that my account was under review? However, I was not provided with a detail reason as to why the account was under review. I have called several times to customer service, reached out to the bank branch manager and also emailed XXXX XXXX in the customer out reach department. No one at the bank is able to tell me why my account is under review. One customer rep did tell me that over XXXX accounts were under review with the bank but no additional info was provided. My contractor/independent workers checks have bounced. I have no access to my funds to run my business and play my employees/independent workers

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 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA

Complaint:
My student loans were transferred from Fedloan servicing to XXXX and then were paid off via pslf. Fedloan does not seem to exist as a company anymore and its impossible to contact them. My old fedloan account is still showing up on my credit report as being open with a balance which is incorrect

Company response to consumer: Closed with explanation