hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2020-01-23
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 consumer in pursuant to 15 USC1692A3 Experian, XXXX, and is in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from Experian XXXX  nor XXXX  nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a { {$1000.00} } violation. In pursuant to Title 31 U.S.C. Sec. 3123 ALL DEBTS ARE UNITED STATES OBLIGATIONS! XXXX XXXX XXXX {$18000.00} IS IN VIOLATION of federal law in attempt to collect a debt they are also violation of The false Claims Act ( FCA ), 31 USC 3729-3733

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 2023-02-09
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:
In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX ACCOUNT NUMBER XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, has violated my rights. 

15 USC 1681 section 602A states I have the right to privacy.

15 USC 16816 and 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 C ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the Report by more than 7 years.

15 USC 1681 S-2A1 a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.

Complaint:
This is XXXX XXXX submitting yet another CFPB complaint to follow up on my request to the Credit Bureau to properly investigate and remove the disputed items from my Credit Report. The Credit Reporting Agency continued to report these items but I did not receive any proof of verification or any document for them to claim that the items are investigated and mine. If the Credit Bureaus ' investigation is really conducted at all, they should have sent me any document as proof of verification! Once again, I am a victim of identity theft. The credit bureau must delete these items in line with FCRA Section 605b. I am urging the Credit Bureaus to please CONDUCT ANOTHER INVESTIGATION AND DELETE THESE UNKNOWN ITEMS LISTED : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.

Complaint:
I have multiple loans through Sallie Mae which I was told could be consolidated when I was ready to repay them, I was later told that was impossible when it was being demanded of me to pay XXXX XXXX dollars a month. I was unable to finish my degree at XXXX XXXX university due to being unable to pay my tuition any longer. I transferred to a XXXX  college and continued to pay for school myself while working full-time and paying for all my living expenses on my own. I tried to make arrangements with Sallie Mae/Navient to pay my loans or defer them while I was in school. Needless to say I received numerous calls all hours of day, night, weekends, and even at my place of employment. I even contacted a lawyer to see if I could file harassment charges however I could not afford to do it. I was on the verge of tears every day. Here I am ten years later in more debt than you can imagine, still in school paying for it on my own, my loan is now defaulted due to Navient 's lack of willingness to work with me and my credit is forever ruined. I have written letters to everyone I could possibly think of for some kind of help, empathy, or compassion without any response. I am at my wit 's end and there is no way I can even imagine a way to pay my loans when they will not even consider lowering my payments. I was lied to the day I took out my loans and I am still being lied to now by this disgusting excuse of a company who prey on young adults trying to get ahead in life, all we end up with is debt and broken dreams.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.

Complaint:
I recently reviewed my credit report and came upon an alleged XXXX XXXX  Bankruptcy reporting on my consumer credit report. This is an error and Experian has violated my federally protected privacy rights by reporting such false information on my consumer credit report. I have filed a notarized Affidavit with the United States Bankruptcy Court Northern District of Indiana notifying them of their potential violation of state and federal law by providing Experian with my private court records. I received information back from the XXXX Bankruptcy Court stating they do not report to or provide information to any credit reporting agencies. Pursuant to the Congressional Findings and Statement of Purpose of the Fair Credit Reporting Act, 15 U.S.C. 1681 ( a ) ( 4 ), Congress states that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. I did not authorize or give anyone access to my private and confidential records, including the alleged 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 2017-06-15
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: McCarthy, Burgess & Wolff, Inc.

Complaint:
On  XX/XX/XXXX , I opened an account with  XXXX  for cellular service. After a few days, I decided that this was not a good plan for me. I closed the account and return all the equipment on  XX/XX/XXXX . On  XX/XX/XXXX , I received the first notice relating to this matter from  McCarthy, Burgess and Wolff.  I never received any communication from  XXXX . After receiving that first noticed, I immediately called  XXXX , spoke to  XXXX  #  XXXX , she stated that she could not pull the records and that I would need to speak to a lawyer. She transferred me to th e Collection Agency,  I spoke to  XXXX   (  operator ), and she then transferred me to  XXXX   XXXX  (  XXXX  ext  XXXX . I explained that this should never had been sent to collections, because all the equipment was returned on  XX/XX/XXXX . Furthermore, the  XXXX  statements have the wrong address. That is not my address, nor as it ever been.  XXXX  stated that she would submit a dispute on my behalf. Then, on  XX/XX/XXXX  I called and spoke to  XXXX , she said that the dispute was never done by  XXXX   XXXX . She said that she would put in the dispute and that I need to wait 30 days. I asked to speak to the supervisor  XXXX   XXXX  ext  XXXX . Explained the situation, he said that he would call me back, but he never did. I called him back on  XX/XX/XXXX , where I had to repeat the issue to him, he said that he needed to file the dispute again. He could not give a time frame for resolution. He was unethical and did not do what he said he would do. The bottom line is that that  XXXX  put me in collections unlawfully, which impacted my credit report for equipment that was returned on  XX/XX/XXXX . I have attempted to resolve this matter with the collection agency and  XXXX , but neither is responding accordingly. I should have never been put in collections for this matter. Furthermore, the impact on the credit report effected my ability to get business loans for my business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY

Complaint:
I wasa incarcerated while in XXXX, NV. All my belongings were in my vehicle at the time. Someone went into my vehicle and used my debit card for a number of transactions on my account. i filed a dispute with Wells Fargo. They investigated with no communication or without asking me any follow up questions and then denied the claim. They did not ask for any paperwork showing I was incarcerated and when i asked if they needed that I was told no.

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 2020-12-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.

Complaint:
I have seen a large increase in collections on my credit from THE CBE group and many of them are for the same amount. When I called the company to ask what all of these are they stated that they are XXXX collections and they were for repeated use of the same thing. I asked them for proof of the debt and they stated they would send that to me and after this same request 5 times I finally got the documentation and on that documentation there were over 2 dozen debts that were past the statute of limitations in my state yet they were still collecting on them. There were also debts for the dates that were 1-3 months apart and for the same amounts but no proof of the fact that I was the person seen on those dates. When I asked for more specific information they stated that is all they had to provide. I stated just because you say this is my debt doesn't mean that it is, I asked for proof that I was the person that owes this money, they just stated it was me. I called the company myself to try to get a hold of someone who could clarify this for me and they stated that they had no records of those dates of service. So I again questioned the CBE group and was told that I needed to pay a total of over XXXX when there is only XXXX showing on my credit report. I believe that this company has continued to renew account to report to the Credit bureaus for the sake of damaging my credit and strong arming me paying money I do not owe. I have never been sent proof that this medical debt was me, no proof of the doctors saw me, or any member of my family. The second part of this is that when I spoke to several agents they mentioned that my credit report would be hurt by me not paying the full amount of XXXX. When I was trying to buy a house I offered to pay the amount that was on my credit to get it removed and was told that I have to pay the XXXX or they would not remove a single account from the credit. I then asked if I can pay the specific accounts that are showing on my credit report even though I don't believe they are mine, they stated that now that they know I am paying the accounts XXXX by XXXX they would still not remove accounts that are paid from my credit until I paid all the debt that they say I had in their office which was the XXXX. The agent stated that he was noting this down so any agent would tell me the same thing. The CBE group is a bunch of unregulated scammers that skirt the lines and try to collect on debts they can't prove. I want all accounts from the CBE group off my credit and I want any collections that they claim to have removed from their office. I have paid thousands of dollars more in interest than I should have and have been denied several attempts to purchase a house, cars and get credit cards to attempt to build my credit up due to this company and their shady collection tactics. Thank you for you time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.

Complaint:
I paid this Debt very recently they stated to me if i pay in full they would delete from my credit filed I paid in full and now they stat they don't do that after I already paid the full ammount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
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:
THE DISPUTED ACCOUNT SAID THAT I WAS LATE FOR THE MONTH OF XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX. I AM ASKING FOR A GOODWILL ADJUSTMENT FOR THE DISPUTED ACCOUNT FOR I WAS GOING THROUGH A DIFFICULT TIME IN THE YEAR.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
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:
Good evening to whom it may concern, As of today, I have called Equifax, XXXX and XXXX several times and have sent them letters disputing violations reporting on my credit profile. I have attached the receipt when I mailed my letters and the actual letters and copy of credit report from XXXX and today. The accounts are the XXXX XXXX and XXXX reporting several inaccuracies across all three credit agencies. This is a FCRA violation, the accounts should be removed and deleted as soon as possible. The agencies have also not given me details on how these accounts was supposedly verified because they did not do an actual investigation by law as they should. On one occasion a representative form Equifax stated that my identification I sent to them was wrong. I feel as if they have tried every effort to NOT solve the issue with this account. Had they done so they would have come across the discrepancies as I have. Also, the reporting of inaccurate information is affecting my credit worthiness and my ability to secure funding for personal and business endeavors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-06
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: EQUIFAX, INC.

Complaint:
Application for new credit card was submitted but credit bureaus ( all 3 ) had wrong phone number for me. Hard inquiry was submitted 3 times. Once problem was corrected credit card company agreed to submit request to remove the first two hard inquires. The only credit bureau refusing to remove the mistakes was Equifax, The other two credit bureau have successfully removed those inquires. I have even sent a copy of the letter from the credit card company which was furnished to me to Equifax by certified mail with return receipt. They are still refusing to remove those hard inquires. Inquires were from XXXX XXXX XXXX  dated XX/XX/2019 and XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
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:
BY LAW XXXX MUST INVESTIGATE AND PROVIDE DOCUMENTS SIGNED BY ME. XXXX HAS FAILED TO PROVIDE SUCH PROOF. XXXX SENT A GENERIC COMPUTER MESSAGE STATING INQUIRIES ARE FACTUAL AND STAY IN YOUR CREDIT REPORT, NOT INVESTIGATING, THEREFORE BREAKING THE FCRA LAWS. 


XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-17
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 — Was not notified of investigation status or results
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 611 ( 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 non-monetary relief
Consumer complaint received 2016-08-31
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Genesis Lending

Complaint:
I WAS TOLD TO TAKE OUT A PRIVATE STUDENT LOAN THROUGH GENISIS LENDING SINCE MY FEDERAL LOANS WOULD NOT COVER WHAT WAS OWED. I TOOK OUT A LOAN AND THEY MADE ME PAY IT WHILE ATTENDING XXXX. XXXX DID NOT FOLLOW THROUGH ON THEIR PROMISE FOR JOB PLACEMENT ASSISTANCE. XXXX MISLEAD ME. I HAVE ALSO DISCOVERED THE CREDITS THEY TOLD ME I WAS EARNING ARE NOT VALID FROM THE CLASSES I TOOK.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.

Complaint:
The Store is Children 's Place and the Credit Card company is XXXX XXXX XXXX. I paid the balance of the card on XX/XX/2022 of XXXX thinking the card was paid off I didn't check the card until I received a notice in the mail on XX/XX/2022 and I went ahead and paid the XXXX and they waived XXXX in late fees. I tried calling them since now I have a negative report on my credit for this and they would not take the negative action off my credit report. On XX/XX/2022 they put a finance charge of XXXX on my card after the date of me paying it off then it began the snowball of finance charges and late fees as follows. XX/XX/2022 XXXX ; XX/XX/2022 XXXX ; XX/XX/2022 XXXX ; XX/XX/2022 XXXX ; XX/XX/2022 XXXX ; XX/XX/2022 XXXX. I should not have paid the XXXX and I should not have a negative against my credit score from them. They are a scam and need to be investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-18
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:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief