hpe-ai/customer-complaints-test.csv huggingface dataset:
Consumer complaint received 2021-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA

Complaint:
A validation of debt letter under Fair Debt Collections Practice Act was sent to Portfolio Recovery Associates but they did not follow the requests of the letter within 30 days. A certified receipt from the united states postal service accompanied the letter to prove they received it. Up to present day they have not provided an original contract that bears my signature. They also failed to provide an affidavit of claim & a certification of authority. Due to their blatant negligence the alleged debt from Portfolio Recovery is considered fraudulent and invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Product: Debt collection 
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint:
XXXX   XXXX   XXXX  is a California  Limited Liability Partnership lo cated in  XXXX   XXXX , CA owned and operated by G.H.  XXXX   XXXX . They have retaine d Kimball Tirey & St. John a s counsel. They are a real estate company who has ownership in the The  XXXX   XXXX   XXXX  in  XXXX   XXXX   XXXX .     From my understanding they are attempting to collect {$6700.00} for an apartment lease for their property The  XXXX  that I was NOT responsible for. I reached out to this firm shortly after reviewing the error on my credit report.  XXXX   XXXX   XXXX  of  Kimball Tirey & St. John  provided insufficient documentation to validate the debt on or about  XXXX   XXXX ,   XXXX  . The names listed on the lease were that of TWO other consumers. The only signatures and initials on the lease that  XXXX    XXXX     XXXX  attorneys provided were that of those two ONLY. My signatures and initials were never on these documents. This is NOT my lease nor my debt.     I sent out dispute letters on  XXXX   XXXX ,   XXXX   to all  XXXX  credit bureaus to conduct their own investigations.  XXXX  is the ONLY bureau who has validated this debt.  XXXX  has since deleted this account.  XXXX  is still conducting their investigati on. Kimball Tirey & St. John have b een reporting this account incorrectly on my credit report for over 2 years. They have caused financial harm and distress by reporting this account. Not only is the debt not mine, it is listed as an individual account, when in fact it is a joint account of the actual lease holders. This continued reporting of erroneous information has forced me to obtain counsel for possible litigation again st Kimball Tirey & St. John  for violation of provisions under the FDCPA and FCRA.     Without proof of this alleged item, specifically the contract WITH MY SIGNATURE & INITIALS, the item must be deleted immediately from all credit reports bearing my name.  Kimball Tirey & St. John  have failed in providing any such documents with this information. They have only provided a few pages from an incomplete lease agreement with other consumers names, signatures and initials and a ledger as proof of debt. This is unacceptable.     If this final request does not prom pt Kimball Tirey & St. John t o conduct a proper investigation of the account in question, and send proof to me of said investigation, I will file a civil suit in  XXXX   XXXX  County for damages. I take my credit very seriously and the lack of professionalism and assistance in this matter has been outrageous. I am well aware of my rights under the FCRA and intend to pursue them to the maximum.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN
Tags: Servicemember

Complaint:
problem : all of the above. failure to remove slander ( via fcra part 209 ) failure to update accounts correctly ( actual debt owed in some circumstances misreported by extortionist debt collectors when settlement is active ) failure to respond and remove " debts '' after 30 days has expired, ( XXXX, XXXX especially ) when creditors have not replied in fact to complaints. allowing creditors such as XXXX XXXX to report things when they are in violation of other laws such as the cardholder agreement ( refusal to reissue cards and remove fraudulent transactions ) and consumers right to settle debts with 3rd parties ( some of which are not involved because creditor refuses to use them-XXXX XXXX, XXXX, XXXX ). showing outdated debts ( 10 years back ) and refusing to remove them. failure to respond to legal notices sent certified mail to all 3 bureaus. refusing certified mail. failure to acknowledge reciept via certified mail of personal information ( " required '' to update the database ) to unlock files repeated demands to " verify '' consumer according to fraudulent data in files repeated " verification '' sent back to me when there are no changes to the file, or changes are removed. in fact no means of challenging debts were sent back to me as required by law. posting information from unknown sources and not from XXXX co courthouse about illegal eviction when complex remains on fire and landlord from ohio was summoned ( extortion and retailiation, both illegal ). refusal to sync accounts with other bureaus data as per deletions. refusal online or otherwise to allow access and correct files and/or report fraud, yet freezes files wo consumer consent. If consumer wants to freeze files, its a nightmare.

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 2020-09-02
Product: Debt collection 
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: MA

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint:
I love my Citi Prestige card and always use it when traveling. My wife and I had a 2 week trip to Italy in XXXX, and we had huge security problems while staying at 1 specific hotel. I had originally booked 2 nights, but had to leave in the early morning after the first night. Security deposit box wasn't working, door wouldn't close ( physically close ) so we had to take turns sleeping and watching the door. It was an ordeal. This was reported several times to reception, but was never addressed and we had to leave asap next morning and find ( and pay at higher rates since it was at the last moment ) for another hotel. I submitted a dispute through Citi Bank for partial credit ( 1 night out of 2 ), since Hotel refused to refund us. Citi had our backs ( thank you Citi! ) and resolved the dispute in our favor. Again, for partial credit, not the whole amount since I'm not trying to scam anybody. However, I received a very confusing letter a few days ago asking for signature and to provide proof. I'm not sure what I'm supposed to sign or provide, if I had already provided my statement when I submitted my dispute and Citi already resolved the dispute in my favor permanently ( not temporarily ) and sent me a letter stating the matter was closed.

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 2019-03-13
Product: Debt collection 
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint:
In XX/XX/XXXX I Discovered that a fraudulent credit card had been opened in my name because Bank of America posted it as bad debt and it went to the credit bureaus. The card had a balance of around $ 20k on it. The card was used to pay off a XXXX XXXX credit card in my name which I also did not open. XXXX XXXX has determined this card as fraud and to my knowledge has let Bank of America know of this fraud. Bank of America still refuses to admit this credit card as fraud despite several attempts to prove that it is fraudulent.

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 2017-05-18
Product: Student loan 
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan
Company: Navient Solutions, LLC.
State: MD

Complaint:
Middle o f  XX/XX/XXXX  : re quested statements to show how payment are being applied and balance information. Was told " I do not have a payment due, no invoice will be sent ''. I could not register an online account to get what i needed.      XX/XX/XXXX  : I ( father co-signer ) asked  XXXX   XXXX  ( daughter ) " I need you to verify that the  2nd payment to Navient  is being applied to the principal, if not make it from here on out.   "  XXXX , make sure th e 2nd  payment is applied to the principle not the interest. Go on online and ... better still do a screen shot and send me the the last 5 months '' Dad, I 'll probably have to call them tomorrow. Its not recognizing my info to let me register.      XX/XX/XXXX  : Dad, I got a headache talking to those people a t Navient..Majority of  your payments go towards the principle. They said for your {$150.00} payment, {$120.00} went towards the principal Dad, I 'm still having problems logging in online, but I 'll send you the screenshots once I get in.     Frustrated we gave up on further communication its too stressful. I attempted to open account a year or so once I saw it on credit report. To no avail I have called numerous times requesting an monthly invoice on balances, interest, how much of the monthly payments went toward principle and interest.   Making  2 p ayments a month of {$150.00} the obligate is {$130.00} a month {$180.00} was request to be applied to principle, according to end of year statement.     Refinance home to payoff loan - called on  XX/XX/XXXX  requested payoff balance and interest, principle payment of all past payments. Then it was {$15000.00}. Was told it tak e 10 to  20 days for the statement to be mailed. Received on  XX/XX/XXXX  a list of payments and dates, no balance as of dates, no balances at all.   Called on  XX/XX/XXXX  to ask for payoff balance and payments interest principle for every month I have been making payments. I was also told the  1st payment of {$150.00}, {$50.00} is interest and the 2nd  payment that month of another {$150.00} {$25.00} is interest. As of this complaint have not received anything else.     They are make extremely difficult to make payments, to get accurate information on accounts, ignoring complaints, giving inaccurate information, incorrectly processing payme nts. Navient 's c ustomer support are extremely rude and hostile. Like debt collection agencies!    XXXX   XXXX  Co-signer Account #  XXXX   (  on recent correspondence  ) Loan  #  XXXX  Account #  XXXX   (  on  XXXX   XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint:
I suspect fraudulent inquiries on my credit report. below are the inquiries listed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint:
Ive previously reported fraud and inaccuracies on my credit reports regarding an account XXXX and this has still not been removed. The creditor goes by XXXX and I need this to be resolved. Ive since contacted the XXXX XXXXo report fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23
Product: Debt collection 
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount
Company: ERC
State: MD

Complaint:
ERC keeps trying to collect for a debt supposedly owed to XXXX XXXX. This is not a valid debt. It is an accounting error on XXXX part. It stems from their in store employees wrongfully issuing a separate account when I joined my family 's family plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-31
Product: Student loan 
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint:
I've had a student loan for over 10 years now. This loan has been moved multiple times with different companies. The loan is currently with Navient and even though I have never missed a payment my balance has not improved or decreased.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IN

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TN

Complaint:
I have had my credit checked three times recently and was not approved for loans. I received letters stating upon checking my credit that it was reported to them that I have a delinquent account. According to all reports I can see it states zero late payments, always on time, XXXX score and everything appears correct. Theyre stating my score is XXXX and I have a serious delinquency. I want to know what the delinquency account is if there is one because I would have definitely paid it. I need to be able to have credit available as needed and will need to purchase a vehicle next year which will cause problems with the interest rate and possibly the purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect
Company: Grain Technology, Inc.
State: TX
Tags: Servicemember

Complaint:
I submitted 3 tickets from XXXX to Grains customer support team letting them know I couldnt access the app to update my bank account. I didnt receive a reply until XXXX and I was reported being 30 days late to the credit bureaus. They dont answer phone calls. If I cant access the app, I cant pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint:
I called the 3 credit bureaus after I purchased a credit report with XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was erroneous account on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/XXXX. I believe they have failed to authenticate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that this account will be corrected. XXXX XXXX XXXX : {$7400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXXXXXX 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 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$810.00} ; XXXX XX/XX/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 2023-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CO

Complaint:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Experian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.

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