hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2021-09-13
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ability Recovery Services, LLC

Complaint:
On XX/XX/XXXX, I submitted a complaint with CFPB in regards to an old XXXX XXXX collection account that was discharged in bankruptcy. Ability Recovery Service responded on XX/XX/XXXX with " Consumer should be advised that this matter was closed due to bankruptcy and removed from all credit reporting bureaus in XXXX. We will conduct another deletion with XXXX. Do not dispute as it delays the deletion ''. 

On XX/XX/XXXX, this collection account is still showing on XXXX and you have failed to remove.

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 2015-12-04
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Trident Asset Management, L.L.C.

Complaint:
I have attempted to contact Trident Asset management several times with no luck in my desperate attempts to resolve and remove the collection they are wrongfully reporting on my credit report. However, all of my attempts went wasted for the past several months. I have received XXXX communication from the collection company. I have contacted the bureau who stated that collector verified the info and they could not remove it, and that I had to contact the creditor for the deletion letter directly but there is NO communication from this collection company to me! 
they are fraudulently reporting this collection which they have failed to validate and ignored all my attempts to contact them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL

Complaint:
The first issue is that I closed my account and there is a XXXX balance that they will not return. 
The second issue is that I filed two disputes for products not received, they want to credit my closed account but yet they will not return the current balance. The current disputes are : 1, {$2400.00} - for door purchases, never received the product, order canceled but bill wad paid in full 2 {$120.00} - for door handle purchased, never received the product, order canceled, billed paid in full. 

So, in total this company has been paid {$3800.00} of my money and they will not refund it. When I call them, i get the run around and still my money has not been returned.

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 monetary relief
Consumer complaint received 2022-11-15
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:
SEE ATTACHED collection agency has also failed to validate debt or show my ownership for such derogatory account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Unauthorized Inquires on my credit 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 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 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.

Complaint:
On XX/XX/2023, initiated a product change from Citi Premier to Citi Custom Cash card. The snnual fee of {$95.00} for Premier card was said to be refunded within 7-10 days, since Custom Cash card has no annual fee and the change mafe within 30 days of the fee posting ( XX/XX/XXXX ). A chat inquiry on XXXX XX/XX/XXXX informed me that the refund would occur on XXXX XXXX far longer than 7-10 businesses days.

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 2018-02-20
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:
Equifax, XXXX and XXXX XXXX are ignoring my requests to investigate, verify and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.

Complaint:
Southwest credit systems, l. P. Is furnishing Incorrect and inaccurate information. The account number they have down is incorrect. Southwest Credit Systems purchased a debt from XXXX XXXX. The account number says XXXX XXXX XXXX is simply the wrong account number which makes this inaccurate in incorrect information in Southwest Credit Systems must be removed and deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Resurgent Capital Services L.P.

Complaint:
XXXX I received a XXXX XXXX XXXX Card and used the card. Once using the card I ran into financial trouble and asked the company to work with me to make payments and discontinue the usage of the card because it wasn't within my budget and I was forced to cut my budget. I explained that I would make the payment until it the card was paid off but I noticed every time I received the bill the interest kept accumulating. The bill soon went from XXXX to XXXX. Then they sent me to court for XXXX and sold the account over to a law company XXXX XXXX XXXX, again I attempted to negotiation the cost. I was in bankruptcy for five years XXXX closed XX/XX/2018 and failed to include this company for some reason. I call and made arrangements with the law company to make {$54.00} on the XXXX of every month since XX/XX/2018, but I'm beating a dead horse because they continue to accumulate interest and I'm going nowhere right now the funds has increased to XXXX. I feel that this is so very unfair to me to consider to pay this debt. I have a family and attempting to make ends meet and this debt is a issue that continues

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
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:
Approximately  XXXX / XXXX /   17  I sent a certified letter as well as a photo copy of a returned mail I received and asked Experian to remove the creditor due to inaccurate information of wrong address being reported. They have failed to comply.

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 2022-04-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
Capital One Auto Finance XXXX My vehicle was repossessed for non payment. However I was granted payment extensions for the unpaid months. My car was repossessed without reason after two months despite me having extensions. The company claims that I received 4 extensionsit was also stated by the company that I had three missed payments. They also stated that during the time of extension there were 4 insufficient funds transactions. Which were during the extension period. My last payment was made in XX/XX/2020 and my car was repossessed in XX/XX/XXXX If I was granted 4 extensions according to CAPITAL ONE auto finance. Why was my car repossessed after only 3 months. My car was sold for about XXXX leaving a balance of about XXXX left over. I am currently unable to refinance a vehicle and this is a derogatory mark on my credit. I attempted to settle but I didnt have the funds

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: DISCOVER BANK

Complaint:
Good Morning, Discover has violated the FAIR DEBT COLLECTION PRACTICES ACT. 

Pursuant to 15 U.S. Code 1692b ( 5 ) a debt collector shall not use any language or " SYMBOL '' on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; Discover has violated the FAIR DEBT COLLECTION PRACTICES ACT by using their " SYMBOL '' in the attached email.

Pursuant to 15 U.S. Code 1692d ( 2 ) a debt collector shall not use obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. Discover violated the FAIR DEBT COLLECTION PRACTICES ACT by stating " this is an attempt to collect debt '' in the attached email. 

For these violations Discover is liable to me for {$XXXX} pursuant to 15 U.S. Code 1692k ( a )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-23
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, 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
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: EQUIFAX, INC.

Complaint:
Equifax still has information on my credit report stating past due student loan balance with  U.S. Dept of Edu. M y loans have been transferred to  XXXX   XXXX   XXXX  ; I been paying them since   XXXX  . My credit score is very low because of this entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.

Complaint:
Today I saw. Address to take off are XXXX XXXX XXXX XXXX XXXX, XXXX, IN, XXXX, Also XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, In, XXXX. Address giving I never lived. Accounts, Inquiry, that is not mine. Its XXXX XXXX inquiry,  XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX {$390.00}, XXXX XXXX {$500.00}. This accounts loan, hospital ER was not opened by me. This is identity theft. I never went to ER in XXXX. I lived in XXXX, Fl. The ER account is under collection said it opened in XX/XX/2020. No one contacted me from XXXX XXXX. To open this loan. I have a fraud alert on my credit reports. With my contact information along with my phone number. There is also no inquiry from this company. Not sure how they got my information. This seems to be a scam. I never signed up or opened this. I did call to ask for my application. I asked for my driver license along with my signature. These companies refused to call me back or give 100 percent submission to my request. Please take off or block this information on my credit reports. The XXXX XXXX  took out from our XXXX XXXX account wich is now closed. My husband was the head of the account so he was the one that had to fill out the form for fraud identity thrift. sense the account is closed. I cant give you paper work only the refunded amounts our bank gave us. But I am submitting our car ins card to prove we XXXX XXXX XXXX XXXX and I have the same accounts. We are married.Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.

Complaint:
Good morning, My School XXXX is now closed due to a federal investagation. While Attending, they made me take out " Private '' and " Federal '' loans in order to complete their program. I am currently repaying back the private loans at this time and they are current and not in default. Will I be able to get my private loans discharged in this matter please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
On XX/XX/XXXX the IRS deposited my XXXX tax return into my Bank of America account that was supposed to be closed since XX/XX/XXXX. When I contacted them in reference to my deposit they informed me it would be XXXX days before I receive a cashier check. However I was confused as to why the deposit was accepted when my account was supposedly closed. I spent days talking to different departments about what the issue could be. First it was fees owed, then it was open claims, the list goes on. The entire month of XXXX from the XXXX I was told once the fees were cleared the account would close and Id receive my funds. Its a month later and my account is still not closed, theyve debited my account for the fees they claim I owed and I still have yet to have access to my funds or receive a cashiers check. Im currently going through a hardship where Im at the closing process for my first home for me and my children and Im currently pregnant. Ive stressed to them over and over the mental and emotional trauma this is causing. That money, my money is for my down payment and Im only allowed so many extensions before the sellers go with another buyer. Ive filed and requested the hardship request with Bank of America to go in and withdraw my funds and it was denied. Ive been with them XXXX I dont understand why this is happening.

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 monetary relief
Consumer complaint received 2020-09-25
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL

Complaint:
This was a long time ago but I just read that what they did may be illegal. I disputed a small charge on a jc penny charge because it was paid in person but not credited to me. I had late payments on my report because I was under the impression I was paid in full. The bank SYNCB cancelledmy Penny 's charge in retaliation for disputing that charge. To further punish me they closed my Amazon credit card even though I never made a late payment. What a poor business practice and such a poor way to handle that situation. This happened in XX/XX/2019 but I'm still experiencing the adverse effects of having the card closed by that seemingly disreputable bank. The action taken was clearly meant to punish me. I'm curious to know if the employee who did that to me still has a job there

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 2023-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc

Complaint:
I purchase a XXXX XXXX camera in the amount of {$1300.00} using PayPal to pay the seller on my debit card on XXXX XXXX and never received the item and PayPal refuse to help and closed my complaint case against the seller on three different times. The merchant is XXXX XXXX and his info is XXXX and transaction id XXXX. PayPal posted on there site consumer who use the site will have purchased protection but they do not stand by that is saying they are exactly the same as a scammer themselves and someone should put a stop to PayPal doing this to consumer. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.

Complaint:
I have review many times with the three credit bureaus my address and try to fix this many times and this gets to be very exhausting. I have also filed a police report as well. Yea half ago my mail just stop coming to my addres were I live so u have to pay for a XXXX XXXX XXXX. The post master never figure it out and never got back to me. I have called many times each of all the credit cards and loan companys every time I move what my new adtesss is. I also do a fowarding address. I am not a big fan of getting paper statements. I will get them electronically sent to me cause of this issue. I know for a fact when I left one address for the first three years I did not have mail going there I only had one just automatically show up there. After threee years. So I made the phone call to XXXX XXXX fixed it. Now I have 9 places that are reports my address. How does that eve. Happen. What is the casue of that. XXXX XXXX XXXX I use the app I know they dont have my old address. XXXX XXXX I know they dont have my old address I have my current one right here in front of me. Also it makes me worry that I have student loans going to an old address there are nine credit cards going to to an old address I am wondering if someone has open stuff in my name. I have claimed identity theft so many times to these banks they do not listen to me. They have cancelled my cards all in in one month. These cards all get closed for no reason on me then I see charges on my card that I dont recognize. XXXX XXXX XXXX is the worse they have three different address for me. This needs to be rectified. Were is Experian getting this information from. My credit report looks really bad it has caused emotional distress. I had to leave work casue of it. I need this fixed. Every time I dispute with Experian they just pretend they look at say it was fixed. They dont even do leg work. They come back and say its accurate. The only way they will go above for u is if u pay XXXX dollars a month

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 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX  XXXX XXXX Balance Owed : {$140000.00} XXXX XXXX Balance Owed : {$410.00} XXXX XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX Balance Owed : {$940.00} XXXX XXXX XXXX Balance Owed : {$7400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.

Complaint:
Afni, Inc. purchased a disputed debt from another debt collector. The debt status as disputed was known to Afni , Inc . The debt was removed from my credit reports because it was disputed and legally not owed. 

Despite the foregoing, Afni, Inc. submitted false statements to the consumer reporting agencies falsifying that the debt exists and is owed.

Company response to consumer: Closed with explanation