hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2018-04-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

Complaint:
After paying Experian, and answering the required questions correctly to verify my identity, for me to access my online credit report. I noticed the following errors ( hard inquiries ) on my credit report : 1. XXXX XXXX XXXX  , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   California XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Florida XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Therefore, I decided to write a letter which is dated XX/XX/2018, to dispute the above mentioned errors. Consequently, I received a letter from Experian that stated, " We were unable to honor your recent request because you did not provide sufficient identification information for us to verify your identity, or the information that you provided was not legible.

My identity was verified online that is how I was able to receive the following reference number from Experian regarding my credit report : Reference number : XXXX  Any assistance that you could provide me pertaining to this matter will be greatly appreciated.

Respectfully, 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 2022-02-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

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 Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( Original CreditorXXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX ( Original Creditor : 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 2021-09-09
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. (GA)

Complaint:
Experian had a chapter XXXX showing on my credit report that is not mine I sent in documents to verify that it is not mine and that chapter XXXX doesnt report to any credit bureaus. Experian claim that my information was verified but it came from a thrift part I sent in the letter from the courts clearly stating what I am disputing but it remains on 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 explanation
Consumer complaint received 2019-07-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (OH)

Complaint:
The reason for my dispute isJefferson Capital Systems was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, Jefferson Capital Systems has  reported a fraudulent account on my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. 
failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation.Jefferson Capital Systems is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under XXXX Taking assignment of debts. FDCPA I fail to see where Jefferson Capital Systems, are in compliance with OHIO LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (FL)

Complaint:
Credit Management LP at XXXX XXXX XXXX XXXX XXXX TX XXXX has been mailing me collection letters via mail about a {$610.00} it is being reported as past I dont know this company this company does not have a contract with my signature because I have never done any business with this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
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. (TX)

Complaint:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2015-06-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: First Associates Loan Servicing LLC (MS)

Complaint:
I went to XXXX XXXX XXXX GA XX/XX/XXXX I signed documentation to take out a private student loan from XXXX XXXX I was forced to withdraw from school in XX/XX/XXXX of the same year. without completing my XXXXr of school. In the ledger documentation the school says the received XXXX from the lender and XXXX was refunded, for some reason first associates aka XXXX says I owe them XXXX I called to inquire about this amount and they can give me no information since they took control of the matter XX/XX/XXXX ( interest rates disbursement amounts and dates ). so no idea were this extra money came from. and there is no way that it accumulated XXXX dollars in interest in 2 years unless there is unfair lending practices. XXXX XXXX should have sent every dime back considering that I had fed loans to cover the lil I went to school. It has destroyed my credit and I do not know what to do about it.

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 2023-01-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (MI)

Complaint:
The beginning of the new year, I reviewed my credit report only to find and erroneous collection effecting my credit. 

Never once did I receive a letter of representation about this collection agency claiming I own XXXX XXXX bank money. 
I never opened a XXXX XXXX account, ever After speaking to my lawyer, he advised me to send a letter of dispute to the reporting collection agency that is reporting negatively on my credit report. 

This evening I received a garbage statement that tells me nothing. Nothing itemized, no contact with my signature, just a piece of computer paper that shows a balance owing This is not validating the debt. I want the original contract showing my signature, purchases, and payments made Again, as I stated earlier in this complaint, I never had a XXXX XXXX  account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (GA)

Complaint:
I have filed police report and ftc report and they still refuse to properly handle this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
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. (ID)

Complaint:
in accordance withfair credit reorting the list of accounts was violated my federaly  protected consumer rights privacy and confidentially under section 15 use 1681                   
15 use 1681 section 602 A states i have the right to privacy   
15 use 1681 A section 604 section  2  it also states a consumer reporting agency cannot furnish a account  with out my writtin instruction.
15 usc 1681 c A5 section states no consumer reporting agency may make and consumer reeporting containing any of the following items off information any other adverse item off information other than theb records off convictionall off crim which antedates the reporting  by more than 7 years
15 u.s.c 1681section 2 A1 aperson shallmet furnish any information relating to a consumer to any consumer reporting in the person knows or has reasonable cause to believe the information is inaccurate. 
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 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 2022-08-05
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: Experian Information Solutions Inc. (FL)

Complaint:
Hello My complaint is against Experian reporting agency. My credit report has not been updated in 2 years making it impossible for me to verify if the information is correct. I had a previous problem with them reporting a closed account as an open account which made my utilization XXXX XXXX I spoke with fraud .. investigation and even customer service and everyone sent me to the next person. I then threatened to file a complaint hoping that would show I am serious .... 

Well, the next thing I know XX/XX/2020, was the last time my credit report was updated. They told me at first that it would take 3 months then 6 months. well due to so many life changes of covid I got frustrated and stop checking. I am now trying to purchase a house and have no way of knowing where I stand. It is impossible for not one update in 2years. I have been denied credit and a rent to own home program due to my credit not showing any information. Also my XXXX  account was closed with a balance of {$8000.00} owed leaving only an open XXXX XXXXXXXX for {$300.00}. well my available shows {$300.00} and my balance owed shows {$8300.00} causing my utilization to go to 990 %. I can attach documents privately,

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 2020-01-30
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: EQUIFAX, INC. (AZ)

Complaint:
Reviewed my credit report in XXXX XXXX and noticed a lot of errors, inconsistent, and incorrect information. Sent a letter to Equifax on XXXX XXXX of XXXX via mail asking them for an investigation and to verify all the dates and amounts were correct and fix the incorrect reporting on my credit. They did not respond at all so I sent another letter onXX/XX/XXXX via mail, again asking for an investigation and proof. They still didnt respond to that letter so I sent a third letter on XXXX XXXX of XXXX certified mail so I have proof that they signed for my letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OH)

Complaint:
I spoke with a csr, XXXX id # XXXX and this was the third attempt at setting up a payment plan. In XX/XX/XXXX, I was set up for this plan and was on the phone with them for an hour. This plan was set up then the next month, XX/XX/XXXX I was told it was set up but not approved and was told it was not denied just not approved and that rep was fired. No information to me regarding that at all. I called to change the payment date and had to just cancel even after speaking with a so called manager XXXX who was telling me the same information. I was told that the prior rep had not put in place the second part of the original payment plan. I called today XX/XX/2018 spoke with XXXX who told me it was denied because they needed more information from my cosigner. I explained my cosigner is taking care of my dad who just went through XXXX XXXX and can not talk for the second time in a year. I was then transferred to a manager XXXX who asked how I was related to the cosigner and who the cosigner was taking care of my grandfather or my father. There was no listening and it was a recorded line. They asked me several times for payment and what the relationship was again not listening. They just want information from my cosigner because it says she has the ability to pay the XXXX. No idea where they were getting this minimum payment as the minimum is XXXX. I told them I am the one calling and trying to set up a plan to pay. I have the ability to pay XXXX but they want more information from my cosigner. I have stated I can not pay more than the XXXX and they want to talk to her to get more money. This is the second complaint I have filed. The first one was years ago after successfully completing a plan to remove my cosigner which was denied because it had to be a plan for interest and principle which it was but there was no stipulation online or with a rep regarding that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
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. (TX)

Complaint:
On XX/XX/XXXX, I sent my first dispute to the 3 major credit reporting agencies, the dispute was in focus with me being a victim of identity theft. The CRA 's have made no attempt to resolve and respond to me although the Congressional act of FCRA 605B states that a victim with legal stated proof shall have the identified accounts removed from the personal 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 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (SC)

Complaint:
XXXX is reporting the following duplicate information on my credit file XXXXComenity Bank in amount of {$510.00} ; XXXX XXXX XXXX is also attempting to collect an outstanding debt for Comenity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ONLINE Information Services, Inc. (CT)

Complaint:
I recently pulled my XXXX major credit reports. This debt is appearing. It is not my debt. I have requested written VOD from both of the collection agencies/law offices and the original creditor. I requested VOD over 30 days ago. I have not heard from the original creditor or the collection agency regarding this debt. I supplied a copy of my ID, my social security #, and proof of address to all parties. I was never in their facility/hospital/office. I have shown proof of residence as well as tax documents to show my employment was NOT in their area. I want this deleted from my CBR as they have failed to prove it is my debt. In fact when I call the original creditor they have an entirely different name and social security # listed in the original file. This is what prompted me to send proof of ID and social security number. This is NOT my debt and I want it closed and removed from my CBR immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

Complaint:
In Accordance with the Fair Credit Reporting act, The following accounts XXXX XXXX XXXX XXXX ; account # XXXX, XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  ; account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (OH)

Complaint:
On XX/XX/2019 I submitted an application on XXXX website to open a Citi Accelerate Savings Account. The application included an authorization for a {$1000.00} ACH debit to my checking account at another bank to open the Citibank savings account. After I submitted the application, I had some questions about the account, so I tried to call Citibank to ask those questions. After going through many automated phone options, I couldnt reach a human. I became quite concerned about putting my money in a bank where I couldn't readily reach a human and wanted to cancel the application ( most of our savings is currently at XXXX XXXX, paying a lower interest rate than Citibank, but at XXXX  a human answers right away ). After finally reaching someone, I was referred to a couple other 800-numbers. I finally reached XXXX at XXXX. I told him to cancel the application. He assured me the application would be cancelled and my checking account would NOT be drafted for the {$1000.00} opening deposit. 
My checking account was drafted for {$1000.00} on XX/XX/2019. 
On XX/XX/2019 after being transferred many times at Citibank, supervisor XXXX told me the account was indeed opened. She assured me she was closing the account and a check for {$1000.00} would be mailed to me within 5 7 business days. She did give me the option of using yet-to-be-sent debit cards to empty the account. I told her I did not want to do that because of ATM fees, etc., and that Citibank would probably come after me and damage my credit rating over unpaid account fees, etc. I told her to close the account and send the {$1000.00} check. 
Today is XX/XX/2019, 10 business days after XX/XX/2019. I have not received the {$1000.00} check promised by supervisor XXXX. 
I called Citibank this morning, XX/XX/2019. After being transferred a couple times and being on-hold for 12 minutes, supervisor XXXX, Team # XXXX, told me the account had NOT been closed. He transferred me to New Account Servicing Group representative Semper, Team # XXXX. Semper put me on hold for 3 minutes and said she put in another request to close the account, and that a check should be mailed in 7 10 business days. I told her I had waited long enough to get my {$1000.00} back and that I wanted it ACHd back to my checking account at the other bank. She refused.

Its now been over 3 weeks and Citibank still has my {$1000.00}. Im retired. That {$1000.00} is a lot of money for me. I was originally told it would not be drafted from my account in the first place. I need that money back sooner than 7 10 business days ( two weeks in real days ). Citibank has lied to me at least two times over my {$1000.00} and I have very little confidence that theyre currently telling the truth about closing my account and sending my {$1000.00} back. Can CFPB help me get M
Y money?

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 2022-04-20
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. (MS)

Complaint:
In accordance with the Fair credit reporting act XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602A. States I have a right to privacy.

15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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