hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-03-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
Portfolio Recovery has listed a debt on my list of creditors that I wasn't notified about through any form of communication. I was not afforded the opportunity to dispute unverified debt they purchased from XXXX XXXX XXXX division.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.

Complaint:
I received a letter from Resurgent dated XX/XX/XXXX about a debt that they said i owed. I sent them back a certified letter requesting validation of the debt. I then received a letter back from Resurgent along with a bill. Resurgent did not properly validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
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:
XXXX, Equifax, XXXX isn't honoring the fact that the name they have listed as my legal name isn't correct. I've contacted them numerous times and they won't fix it. I only had the name they're showing for 1 year and I have sent them my ID and everything. Why won't they fix this? All my creditors have the correct name, so it isn't them like XXXX says. I'm so tired of dealing with this. It happened in XXXX and this is XXXX. Do I have to get a court-order, because Equifax is doing the same thing and it's discriminatory at this point. Equifax has locked me out of my account and attorneys are phobic & won't help me get to these credit bureaus. I bet XXXX has this going on as well, but I'm tired now. I don't think I established any credit accounts during the time my name was XXXX XXXX XXXX. 

They have a problem with me, because it's obvious when you change your first/middle names that it isn't due to any kind of marriage. Do they do married people like this? I bet not! People answering the phones are foreigners and don't care about me or this issue. They leave me on hold too long and then don't do anything when they answer. 

I can't give you all the dates that I have dealt with this, but your bureau doesn't seem to do anything either. Why not? I can't afford an attorney. I will sue if this isn't corrected. Punitive damages will cost these companies, because this is beyond annoying and rude. They are being fraudulent, not me. Filing fees are less than lawyers fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
XXXX account # XXXX {$12000.00} the creditor said they would not report any negative payment to the bureaus for 6 months because I called prior to advise them my income had changed significantly due to covid. I even asked the representative if there was anything I needed to sign and she said no that she would enter all information into the system. 


When Federal Law Prohibits Negative Credit Reporting The CARES Act, which President Trump signed into law on XX/XX/2020, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. 

Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a 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
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I financed a car through XXXX XXXX, a buy-here-pay-here car dealership in XXXX PA in XX/XX/XXXX. My car note was for the most part always paid on time, however had been towed twice previously due to lapse in insurance. Dealership towed car XX/XX/XXXX due to late payment, expired inspection and accused me of selling drugs. Advised the company that I had attempted to get information on warranty and getting car serviced several times but their service center would never return calls and repairs were too expensive. Visited Dealership XX/XX/XXXX to try to bring account current and work with company on an agreement to get car inspection fixed, but company stated the " owner '' wanted remaining balance paid in full. Car loan was 35 % of the way paid off, and no late payments ever reported. I was not willing to pay XXXX on car, took what I could from my car and left. Nearly 2 months later, I have attempted to dispute credit reporting twice and the company has not reported on the car since and has not updated it on my credit further preventing me from getting another car.

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 2020-01-22
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 continues to ignore my disputes and not fix the problem. I have repeatedly disputed some of the items over and over and over again. To no avail, even with proof the account is inaccurate, they simply send an Email stating the investigation is complete, when they are not investigating accurately AT ALL. Specifically : On XX/XX/2019 : I disputed : XXXX XXXX, # XXXX and it states it is accurate when in fact it is not. This is a sold debt that was in fact closed on with XXXX with no monies being owed to that party, as I was not in a contract with them. Further, this account is being reported as if its a new debt and in fact it is not. Lastly, I have RECEIVED NO communication from XXXX XXXX about this debt- AT ALL. 

On XX/XX/2019 : I disputed : XXXX XXXX, # XXXX. This car was totaled in an accident and the car was paid off by my insurance agency, XXXX XXXX and there was NEVER a late payment. In fact, the car was paid off 7 days after the accident. I DO NOT CARE what XXXX XXXX   tells you it is proof of this with the XXXX PD and of course XXXX   XXXX. It remains inaccurate on my report and you have NOT done due diligence according to FDCPA. 

On XX/XX/2019 : For the 5th time- I disputed : XXXX  XXXX # XXXX. I still have my XXXX XXXX account open and this {$77.00} is incorrect. 

On XX/XX/2019 : I disputed : XXXX XXXX # XXXX There was NEVER a late payment with this account. I received a 2 month forbearance due to dealer tag and title paperwork to tag the car was not sent to me in a proper timeframe upon purchase of the vehicle ( of no fault of my own ) XXXX is aware and I have documentation of proof to show ; Payments have just resumed. 

Lastly : on XX/XX/2019 : I disputed : XXXX XXXX  # XXXX : I have no knowledge of this company, I have not received any debt collection information from this company and further the debt in question is not mine! How is it this information can just appear on my report without any knowledge to me of the who, what, when, where or why? 

Transunion and the companies aforementioned are direct violation of FCRA.

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 2022-09-23
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 have credit inquires on my credit from, XXXX XXXX XXXX XXXX XXXX XXXX I have reached out to the bureaus they were no help had me on the line waiting and still no help

Company response to consumer: Closed with explanation
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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
My leased XXXX was stolen on XX/XX/XXXX. My car insurance, XXXX, sent a check directly to XXXX XXXX on XX/XX/XXXX for a Total Loss Buyout. Because the car was a lease, the check went directly from XXXX car insurance to XXXX XXXX. 
On XX/XX/XXXX XXXX XXXX deposited the full Total Loss Buyout in the amount of {$22000.00}. 

XXXX XXXX has told me they refuse to close the account due to technical error and refuse to fix the false reporting. They told me I need to wait for my credit to be fixed until they resolve their " Technical error ''. 

I have spent hours and hours and hours on the phone trying to resolve this over the past year, but it is the same answer every time. We have tried closing the account, but are unable to do so, due to technical error. 

XXXX XXXX has been paid in full and the current amount due is {$0.00}. 

I have tried disputing this on my own but XXXX refuses to verify with the credit reporting agencies that the account has been satisfied.

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 2020-09-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BMO HARRIS BANK NATIONAL ASSOCIATION

Complaint:
Filed dispute for a transaction that was a Billing error. I was charged for a transaction that was cancelled because showed as declined. After I filed dispute waited >90 days with no results. When I asked for an update customer service at bmo Harris bank said they can only send an email to investigator no phone number I can call or they can call. I requested for at least a provisional credit because following federal law EFTA I should have at least received a provisional credit after 10 days. However customer service rep responded by stating they considered my dispute a courtesy dispute even though I told them no, its a billing error therefore Im protected under EFTA federal law.

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 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
In accordance with 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( 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 seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 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 2020-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.

Complaint:
Equifax fail to unfreeze my credit report after I have sent verification of my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: I.C. System, Inc.

Complaint:
As of XX/XX/2019, I received a collection notification on my credit report from a company I have never had ties with and do not recognize for the amount of {$62.00}.

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 explanation
Consumer complaint received 2022-12-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.

Complaint:
XXXX  XXXX XXXX  Dates : XXXX Amount : {$16000.00} I have contacted the Medical Facility who confirmed this was the XXXX XXXX Debt and they sent me all supporting documentation. 

I contacted a attorney whom is going to file a suit if I am unable to get this resolved. 

I have also contacted all 3 credit bureaus by phone and online and have disputed this twice now. 
My supporting Documentation cleary shows the XXXX XXXX debt and responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
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:
This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 

XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXXXXXX Balance : {$7500.00} ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.

Complaint:
The company unfairly changed the terms of my credit card during the COVID pandemic. I have been making perfect on-time payments and have been a long time customer of Chase. I have a XXXX XXXX in the XXXX. I received a notice that the terms of my credit card was changed and it involved an increase in penalty APR ( i.e. for late payments ). I feel this is price gouging during the COVID pandemic when many people are financially strained. Shame on Chase for attempting to price gouge! According to the call center supervisor and email, I have the right to reject these changes. However, rejecting these changes will force me to close the account which is not an option with a current balance. I am not happy with this change and I am speaking up on behalf of myself and other people who are subjected to these unfair terms and price gouging. The change of terms for my credit card was received on XX/XX/2021 by email. 

I feel the timing of the change in credit card terms that involve increase fees is inappropriate and unethical considering the current COVID pandemic. I feel this is price gauging. 

I filed a XXXX  complaint but Chase responded that it has the right to change the terms. I was not happy with this response as it felt like price gauging with disregard to the COVID pandemic. I notified Chase that I will proceed with a CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC.

Complaint:
Kay Jewelers Credit Card has been calling me multiple times per day from multiple phone numbers during a time which I have repeatedly asked them not to call me. I have requested them not to call me before   XXXX   XXXX   and they call me multiple times per day multiple times in an hour before  XXXX . Today I spoke with someone at around     XXXX   XXXX   and made arrangements to make a payment on the account and received another call not even  5  minutes after hanging up. They called 5 times on  XXXX  from  5  different phone numbers  (   XXXX ,  XXXX ,  XXXX ,  XXXX  and  XXXX  ) at the following times :   XXXX   XXXX  ,     XXXX   XXXX  .,   XXXX   XXXX  ,   XXXX   XXXX   and   XXXX   XXXX   They called 4 times on  XXXX  from  4  different numbers (  XXXX ,  XXXX ,  XXXX  and  XXXX  ) at the following times :  XXXX  ,    XXXX   XXXX  ,   XXXX   XXXX  ,  XX/XX/XXXX  ). And today they called from  XXXX  different number s (   XXXX ,  XXXX  and  XXXX  ) at the following times :   XXXX   XXXX  ,     XXXX   XXXX  ,   XXXX   XXXX   ). This is just the list from the last 3 days. They have been doing this for over a week and this is harassment. This is the second time I have filed a complaint with consumerfinance.gov regarding this company and the same issue.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.

Complaint:
I already reported to  Consumer Finance,  they respond in a huge double-talk, non-sense explanation which I do not accept.

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 2015-04-27
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: GREAT LAKES

Complaint:
I currently have {$38000.00} in private student loans. With the interest rate and payment plan that I am on ( XXXX ), I will end up paying to the loan companies about {$78000.00}. Which is more than XXXX my actual loan rate. I was not informed of this when I took out the loans and I am struggling to make ends meet and working XXXX jobs, but I am still scraping by to make ends meet on top of paying my other bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress