hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-09-24
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: EQUIFAX, INC.

Complaint:
I have disputed the inaccurate reportingS with XXXX, XXXX, and Equifax several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX Account Number XXXX XXXX is reporting an open date of XX/XX/2018, XXXX and Equifax have an open date of XX/XX/2018. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX and Equifax considered to be furnishers? These accounts do not belong to me and XXXX, XXXX and Equifax have failed to plead their case to who has provided them with this false information and/or provide method of validation of these inaccurate accounts reporting on my credit file. Please help me to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX ( Original Creditor : 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 2021-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.

Complaint:
I have XXXX credit card with Chase Bank. In the past I've always been credited 1 free night on XXXX of each year of my membership. However, this year I have not receive the free night award along with this credit card even though it's advertised as the included benefit. I've already paid the annual fee and I still have not received the annual free night award like usual and it's been almost over 2 months. 

I contacted XXXX but they said the responsibility is with Chase Bank. I then contacted Chase Bank XXXX credit card representative on XX/XX/XXXX and I was told that they will contact me back and research to credit the amount. However, I still have not received any calls about this. 

Please see the attached screenshot from my XXXX account showing that File 1 - showing my XXXX account number File 2 - showing in XXXX and in XXXX, I received the XXXX Annual Free night award as part of Chase credit card benefit on XXXX. However, this year I did not receive any!! 
File 3 - showing that I did not receive any free night award this year XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Since I felt the credit bureaus didn't adequately investigate my dispute, I just submitted a request for an investigation of the disputed items. Records kept by the 3 credit bureaus reveal that it was untrue. The following items must be updated from my file by the three credit bureaus because the credit bureau 's examination was conducted incorrectly. 
XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-01-10
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: EQUIFAX, INC.

Complaint:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
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: EQUIFAX, INC.

Complaint:
I sent certified mail via USPS to Equifax on XX/XX/21, giving them all my current information and requesting that they delete all old addresses on my report. More than 30 days later, they have made no efforts to contact me. In addition, none of the old addresses have been removed. 

Equifaxs refusal to update my incorrect items is not only keeping susceptible to identity theft, but its hindering my from applying for credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Arete Financial Group

Complaint:
Arete Financial Group has been taking money for Student Loan Forgiveness and has not been using it to pay my student loan debt. I recently got an email from the Federal Trade Commission v. American Financial Support Services Inc., et al.

Here are the email contents : The lawsuit Federal Trade Commission v. American Financial Support Services Inc., et al. 
***Do not REPLY to this email. If you have questions, send them to XXXX. 
You appear to be a customer of one of the student loan debt relief companies identified below. These companies have been sued by the Federal Trade Commission for deceptive practices and taking unlawful advance fees. The Court has appointed a Receiver who has suspended the companies operations. 
We recommend that you immediately contact your student loan servicer about the status of your student loans. A list of approved student loan servicers can be found at the U.S. Department of Education Student Loans Website : https : //studentloans.govXXXX 
The Receivers office has set up a webpage with additional information about the lawsuit. XXXX XXXX XXXX We will post updates on the website as the case proceeds, and you can also review a list of Frequently Asked Questions ( FAQs ). The Receiver receives many emails with questions from consumers. We can not respond to each inquiry separately but will update the FAQS as questions come in. In the meantime, we again stress that you should contact your loan servicer The Companies which have been sued : XXXX XXXX XXXX XXXX XXXX ; Arete Financial Group, also doing business as Arete Financial Freedom ; Arete Financial Group LLC ; XXXX XXXX XXXX, also doing business as XXXX ; XXXX  XXXX XXXX , also doing business as XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX , also doing business as XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX , XXXX , formerly known as XXXX XXXX XXXX XXXX XXXX and also doing business as XXXX XXXX XXXX and XXXX ; XXXX XXXX  XXXX XXXX , XXXX .

Company response to consumer: Untimely response
Consumer complaint received 2023-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY

Complaint:
I had a Wells Fargo account from XXXX to XXXX. They would hold my funds or freeze funds when making deposits. They did alot of fraudulent things to my accounts such as using minor savings accounts to cover overdrafts that were not linked to my checking accounts. 
I have not received notice from the lawsuit. My accounts were in my previous name 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 2018-01-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.

Complaint:
Identity Theft/ Mail Fraud filing ; homeowners ' not in foreclosure ( XXXX ). 
NC DOJ # XXXX XXXX - Citibank ( 2 ) Accounts - Debt placement and amount confirmation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
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: Navient Solutions, LLC.

Complaint:
This is many years later about Navient. I previously filed complaints about XXXX XXXX in XXXX. 
I started getting harassing calls first from someone twice and they said that they are calling from " XXXX ''. Then they said that they have a client that is working with me that would like to talk with me. Then they transferred it to a man, without even waiting for my approval. The man said that he is calling about my Navient XXXX XXXX XXXX. I told him that it is over. Then he called and left a message using scare tactics. His voicemail said that he is working for Navient and he needs to get my work authorization. I didn't call him back. 

Why didn't I call hem back? Because those Private Loans were charged in XXXX and they passed through through four years of California XXXX XXXX XXXX. Then they kept on emailing me and reported my credit for another 10 years. After 10 years Sallie Mae/Navient dept was over and I never paid for them. They removed the debt from my XXXX XXXX XXXX Credit Report XXXX XXXX. 

I checked my Credit Report today and I found out a wrongfully charged old debt that said " It was paid at XX/XX/XXXX ''. That is a lie. I never paid them and they are being sneaky and they are scamming me. They have no transaction to approve my payment to them on XX/XX/XXXX. They basically set the clock back to reactivate my old loans. I want Navient to take responsibility for their wrong doing and remove their newly activated loan. 

Here is a screen shot of Navient 's stupid lie and reporting! 

NAVIENT Exceptional payment history {$11000.00} Balance updated XX/XX/XXXX Account info Account name NAVIENT Account XXXX Original creditor- Company sold- Account type Education Date opened XX/XX/XXXX Open/closed Open Status Open/Never late. Deferred, payments begin XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$11000.00} Balance updated XX/XX/XXXX Original balance {$4000.00} Paid off 0 % Monthly payment {$0.00} Last Payment Date XX/XX/XXXX XXXX Months Responsibility Individual Your statement-

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
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:
XXXX XXXX and Experian continue to report this account incorrectly. The account has been paid in full and discharged. Per the IRS this is now considered a certificate of indebtedness and is income. Income can not be reported. 

XXXX XXXX agreed in their terms and conditions agreed not to release my non public information to non affiliates. Experian is not an affiliate of XXXX XXXX and is not the credit bureau. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports. Experian is a private owned company does furnish reports based on profit. 

Experian does not have my written consent to furnish ANY of my financial history with XXXX XXXX. 

XXXX  XXXX is required to refund any balance due back to me within 7 days. I am requesting my payment be sent immediately. 

This account is listed multiple times on my consumer report with the same account number with my financial history attached. You can not have the same acount number for multiple accounts.

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 2023-07-21
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:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.

Complaint:
I am part of the Navient Lawsuit in Massachusetts. I recently was given notice in the mail about the lawsuit. I have some information that I never was able to discuss with anyone. I had called Navient in 2017 for enrollment into a IDR payment plan. They ignored my requests until I threatened that I would speak to a lawyer. They then approved my request, but then reenrolled me into a forbearance a few months later ( In-between they said my " deferment request was also approved '' ). The updates online were not consistent with the IDR that I was " approved '' for. They also called me over and over again for debt collection even though I was approved for the IDR plan. I have attached screenshots of emails that I have from Navient. I just wanted to file a formal complaint. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.

Complaint:
Dear Sirs, Chase is having problems with their Electronic Fund Transfer, online payment on my account and I am thereby not able to have access to my funds or to send a payment from my internet using XXXX XXXX or XXXX browser. This has been going on for at least 24 hours or more. I need to have access to my money and make payments or otherwise, I will be penalized by my creditors. 

Their mobile app is not affected. 

I am a veteran. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Transunion reported collection agencies to my Transunion credit report, so I sent 3 rounds asking for validation of debt and in return they said the debts were verified by sending bills. NO CONTRACTS WITH SIGNATURES like i asked. Please help. Attached are dispute letters i sent to Transunion and the bills and responses they sent me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: PHH Mortgage Services Corporation

Complaint:
PHH Mortgage has called me multiple times a day for months. Most times, the line is quiet when I pick up, immediately followed by a disconnection sound ( an audible click ). They foreclosed on my property, and I requested a reinstatement amount from them ( I had to request this several times now, and still have n't received an amount ) through their lawyer. Today, PHH called me directly from the number listed on the complaint. They wanted to know what my intention was with the property. Since I have made several requests, even speaking directly with their lawyer, they already knew my intention. They provided me with no new information, and simply stated they would pass on a total to the lawyer. I believe this constitutes a breach of FDCPA ss. 806 ( 5 ) and ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
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:
On XX/XX/2022 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 XXXX ( a ), it is plainly stated that a failure to investigate these items within 30days 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 2018-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.

Complaint:
On XX/XX/XXXX, this debt for { { {$280.00} } } appeared on my credit report. I have no knowledge of this debt. I have been requesting a signed confirmation with my signature that I opened this account over and over. They only replied to billing printouts. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report. 

They have sent me documentation with service under my name in XXXX, XXXX   XXXX and I have never lived in XXXX. but they continue to say that they have verified this information. They have also sent a service worker to my present address in XXXX which I moved into this apartment on XX/XX/XXXX, and he verified that I don't have XXXX when in fact as he found out after checking the wires outside of my apartment that I have XXXX. The service worker then left my apartment with no incident or resolution to what was to happen. 

This account was previously with another collection agency and I asked for validation as I have done with Southwest and they had none so they sold it to Southwest. Which I believe it is against policy and law for collection agencies to sell accounts to other collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
I am a victim of fraud and this company is reporting numerous accounts on my consumer report i have asked this company to remove these accounts and they refuse to i have a FTC report and the number is XXXX. 15 usc 1681 A section 2 states that a consumer reporting agency can not furish a account without my written instructions and i challenge this company to provide the proof that they have 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 non-monetary relief