hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2020-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
I reviewed my credit report months ago to find fraudulent inaccurate information reporting to my credit that doesnt belong to me. I have been submitted atlas 6-7 months of disputes contacting the credit bureaus in regards to removing the following information listed. I have police report and etc identity theft affidavit supporting my claim and creditors and bureaus still have not removed all items from my credit report as well as inaccurate addresses names and reporting for the accounts listed below : XXXX credit card opened XX/XX/XXXX balance {$8500.00} XXXX XXXX opened XX/XX/XXXX balance {$4400.00} XXXX credit card opened XX/XX/XXXX balance {$1400.00} XXXX credit card opened XX/XX/XXXX balance {$6100.00} XXXX XXXX credit card opened XX/XX/XXXX balance {$3200.00} XXXX XXXX XXXX credit card opened XX/XX/XXXX balance {$8900.00} XXXX  personal loan opened XX/XX/XXXX balance {$24000.00} XXXX XXXX XXXX XXXX opened XX/XX/XXXX balance {$2700.00} XXXX XXXX opened XX/XX/XXXX balance {$2200.00} None of this accounts are mines or valid. No authorization and where not opened by me they are fraudulent and I demand that they are blocked or removed from credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
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 began to review my credit earlier this year and noticed several inaccuracies. Out of an abundance of concern, I requested that VALIDATION in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. However, after two separate requests made timely for this, the company has failed to provide me with this validation. 

I have contacted the bankruptcy court that the respective credit bureau is advising " verified this information as belonging to me and my file. However, upon response, the bankruptcy court advised that this ABSOLUTELY FALSE,  and they do not provide, share, or report bankruptcy case filing data to credit reporting agencies, nor do we update information directly to the credit bureaus. THIS BUREAU HAS OUTRIGHT LIED ACCORDING TO THE DOCUMENTATION PROVIDED TO ME. I have sent the bureau a letter, certified mail with a copy of this letter, as well as a copy of my postmarked envelope as proof of receipt of this document. The certified tags are ( XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX XXXX ) was received by their office on XX/XX/2019. 
They have yet to delete this from my credit reporting file.

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 2019-11-05
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.

Complaint:
EQUIFAX has been made aware i have been a victim of identity theft and refuses to remove accounts that i have no knowledge of both Accounts - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.

Complaint:
I have reached out to the company several time I sent in a copy of my identity thief report this account is still being reported on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: URS Holding, LLC

Complaint:
I got a call out of the blue from a debt collector saying I have an overdue account with the college I went to. I asked for an itemized statement from the school showing what I owe. On the receipt was over XXXX XXXX in collection and late fees.The man I spoke to from ERS said I had 30 days to pay or it would be marked on my credit. I asked if there was a way to lower the amount due because i did not know i had the over due balance and would have happily paid the amount due before the charges, he said they could settle with the school, and it 's usually 85 %. He told me my best bet was to take out a loan so I could pay them and just make payments to the bank and keep my credit safe. I told him I would try to do that, while he settles with XXXX. We agreed to aim for {$3000.00} to settle the account. He said he would get back to me by the end of the week. He then took my bank account number and routing number, thinking he needed it for verification purposes I gave it to him. Then I got a loan that week but never got a call back from him. After calling several times that week, the next Monday, and tuesday, I finally got a call from a different person at ERS. This person then told me that the payment was received but XXXX wanted an additional {$400.00}. Surprised, I asked what payment. He told me that the payment for {$3900.00} cleared the previous week. I then checked my bank account and sure enough the payment was cleared. I then said I never authorized a payment, and the other man said we would settle for much less and he never returned my calls, this new guy says " yeah I see that he did n't contact you, I 'm sorry he should n't of done what he did, he does n't work in this department anymore. '' I feel that this is very unprofessional and feel that I am being taken advantage of. The man said they still had to collect the {$400.00} but I said I was not paying anything until I spoke to someone about this, which is why I am contacting you. I think that there is fraud going on here and definitely unfair debt collecting practices. They should have never just taken the money from me. There was no communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ARC Management Group, LLC

Complaint:
I received my letter XX/XX/2022 from my visit on XX/XX/2022 saying I owe {$330.00}. I have paid off this visit already and just now receiving more bills from that time. I should not owe anymore as I've paid everything off already. It's been almost a year and now trying to force more money out of me. I do not agree with the bills have already paid for this visit and still paid them. But this is out of hand how expensive the visit was when no procedures were done I was not even seen more that 3 minutes. Please dispute this charge for me. I dont understand how you can charge me now a year later.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY

Complaint:
I am working with XXXX and XXXX to resolve an issue with XXXX XXXX, the loan servicer who bought my student loan from Wells Fargo in XX/XX/XXXX. 

I have been paying XXXX XXXX XXXX XXXX monthly since XX/XX/XXXX. This is the only account I need to make payments on, and my credit score has not improved despite my timely payments. After going back-and-forth with XXXX XXXX personally and filing disputes against them through XXXX and XXXX throughout XXXX, one of XXXX customer service agents finally disclosed the problem to me. 

XXXX XXXX has been applying my monthly payments to the interest on my loan exclusively. This was never clearly expressed to me through an agent or the loan servicers communications until I spoke to them on XX/XX/XXXX. Their reasoning for this is unclear. XXXX XXXX claims I agreed to exclusively making interest payments instead of splitting my payments between interest and the principal loan, which is not true. I immediately began looking into my refinancing options, and then I realized their insidious plan to prevent me from escaping their clutches. 

XXXX XXXX applied my payments to my interest exclusively to prevent me from raising my credit score and having my loan refinanced by another bank. They altered my interest rate upon purchasing my loan from Wells Fargo to ensure my minimum monthly payments only cover the interest, and my loan continues to grow exponentially so I owe them more money. There is no way I can get out of this because XXXX XXXX added remarks to my account for the credit bureaus stating that the bureaus are not to raise my credit because I am only paying off interest, according to a representative from XXXX. 

I believe XXXX XXXX wrongfully led me to presume my payments were being applied to the principal and the interest on my student loan. Until this month, I was in good standing with XXXX XXXX. Now, I refuse to pay them until all my previous payments are applied to my credit score so I can have my loan refinanced.

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 2023-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX RE : Account Number XXXX Dear Sir or Madam, I am writing in response to your collection notice regarding a debt from XXXX XXXX XXXX XXXX XXXX for {$1300.00}. According to your notice, this debt was incurred on XX/XX/XXXX and is currently in collections. 

However, I would like to dispute this debt on the grounds that it was included in my XXXX XXXX bankruptcy, which was discharged on XX/XX/XXXX. The debt in question was discharged as part of my bankruptcy and is no longer owed. 

Please see attached bankruptcy documentation that demonstrates XXXX XXXX XXXX XXXX XXXX was included. I have reported to the FTC that you cease all collection activities. 

I appreciate your attention to this matter and look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.

Complaint:
Citibank did an unauthorized webex transfer from my XXXX money market account in the amount XXXX {$50000.00} on XX/XX/2021 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 2020-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
several attempts for accounting based on general acceptance accounting and Capital One Bank is in violation of law for not providing the accounting. I ask again for accounting based on GAAP practice also a copy of the signed contract which was never provided. 
failure to credit account {$21000.00} received on XX/XX/2016 by Capital One Bank and acknowledged receiving money order if it wasn't accepted it should have been returned and it wasn't this is to apply to account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
Capital One account number XXXX is claiming that I have a balance with them for {$11000.00}. Yet they can show no validation that is competent evidence bearing my signature that shows I have a contractual obligation to pay them. 

Under the Fair Debt Collection Practice, they must show validation that bears my signature but they have failed to do so. Yet the continually report false and misleading information against my name. 

And by doing so they are violating the FRCA & CFCPA because they can not validate the debt and therefore should delete the information from XXXX, XXXX and XXXX. 

Capital One is in violation of federal and local laws and should not be allowed to continue damage my credit without validation showing my signature that I have any contractual obligation to pay them. 

Please help me in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
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: SYNCHRONY FINANCIAL

Complaint:
Contacted company and credit bureaus and told them I didnt authorize these inquiries. They said the cant remove them

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 2017-06-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP

Complaint:
On X/X/2017 We made a purchase at XXXX for {$9.00} We were unaware that our account had a negative balance of $ ( -XXXX ) ( which was caused by the monthly fee of {$6.00} the bank charges every month ). Even though the account was negative, US Bank approved the charge for {$9.00}, causing the account to overdrawn even more to end up with a new negative balance of ( - {$12.00} ) On X/X/2017 US Bank charged an outrageous fee of {$36.00} because the account was overdrawn and they also charged a {$25.00} for extended overdraft, leaving us with a new balance of $ ( -XXXX ). US Bank never attempted to inform the account was overdrawn. We did n't receive any emails, text, letters or calls to notify us. Then on X/XX/2017, X/XX/2017, and X/XX/2017 US Bank decided to keep charging extended overdraft fees for the amount of {$25.00} each. We ended up with a negative balance of $ ( -XXXX ) on X/XX/2017. This is the most expensive trip to XXXX I 've had, and we only buy coffee there very rarely. I wish the card had been declined at POS. Please help us solve this. It is ridiculous to get charged a total of {$130.00} in overdraft fees for a charge of {$9.00}.

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 2023-03-22
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:
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.

Complaint:
I submitted three ( 3 ) requests to Equifax, asking them to investigate an account by providing me proof of ownership such as the original contract.

This request was made as part of my personal financial review and, because there are more than one XXXX Account on my credit file. The account number is ending in # XXXX. 

The first request was made on XX/XX/2021. There was also a request made on XX/XX/XXXX followed up by a third request. 

Equifax has not properly investigated this. They have ignored my rights to have information verified. ( FCRA 609, 611 )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I spoke with XXXX ( XXXX ) who advised me that your organization is unable to negotiate a settlement on the debt because the account is in process to be sold to a Collection agency. I had him verify that it isnt sold yet. I then explained to him that ownership of the account still belongs to Capital One and this procedure makes absolutely no sense as you should have the power to determine what youd agree-upon settling for since the ownership of the account is still with you. I escalated the call, spoke with XXXX supervisor, whom I was unable to obtain her employee ID, who proceeded to reiterate the same information. 

I should not have to wait until you find a buyer for the debt in order to clear this balance off with you. I will be escalating this matter to the Consumer Financial Protection Bureau, stating my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
On XX/XX/2022, I sent a letter to the courthouse with tracking number # XXXX, asking do they report bankruptcies to the credit bureaus, and I received a letter stating that they do not report any bankruptcies to anybody. So, if thats the case, how did the credit buraus verify my bankruptcy as XXXX XXXX accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) states ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to 15 U.S.C. 1681 section 602 A, states I have the right to privacy.

According to 15 U.S.C. 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

According to 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 non-monetary relief
Consumer complaint received 2017-11-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Riverwalk Financial Corporation

Complaint:
I received a notification from the Credit Bureaus that the Company Deville Asset Management has flagged my accounts for collection. I never received any letters with any chance to verify this. I disputed this company earlier this year for failing to provide my signature proving that I owe them anything. They also removed this from my report. I received a notice on XXXX XXXX, 2017 which I will attach. They have violated the FCRA on reinsertion, and have also failed to provide me with any proof that I have business with their company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation