hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2021-04-12
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 was contacted 3 separate times and I have recorded the interactions by mail. They have failed to remove the items on my credit report as required by federal law for individuals that are victims of identity theft. Subsequently, Equifax is the only credit reporting agency that refuses to correct information as I demanded they do on 3 separate occasions. Equifax has knowingly and blatantly disregarded my dispute and subsequent attempt to correct information on my credit report as reported wrongfully due to my being a victim of identity theft. I will be uploading information and correspondence they failed to properly investigate and items they have failed to remove, indicating their blatant disregard for federal law. I am demanding that they take action and remove the negative derogatory information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
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: EQUIFAX, INC.

Complaint:
On XX/XX/2019 I sent a dispute to equifax stating a violation of my HIPPA rights by XXXX XXXX of which I asked for validation of debt of which they return with statements showing the procedures allegedly in dispute but without a HIPPA release form with my signature on it authorizing the release of my medical records, For this I sent Equifax proof of such violation of which I will attach with this claim. Equifax FAIL to investigate claiming that account was verified when VERIFICATION was not on dispute but rather a VIOLATION of my rights, attached I am sending proof of violation, proof of dispute with equifax, results from equifax investigation. ->.. XXXX XXXX Acct # XXXX XXXX {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Health Care Financial Services, Inc.

Complaint:
ARS Account Resolution XXXX at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX has been sending me collection notices in the amount of {$1300.00}. The collection has been reported as a past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.

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 2022-06-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Social Finance, Inc.

Complaint:
I opened a checking/savings account with XXXXXXXX XXXX XXXX XX/XX/XXXX. At time they stated that if I made direct deposits totaling {$5000.00} by XX/XX/XXXX I would receive a {$300.00} bonus. There were direct deposits from my employer on XX/XX/XXXX and XX/XX/XXXX totaling {$5000.00}. After contacting them they told me that the rules had changed. I had received a bonus in XXXX of XXXX. But on XX/XX/XXXX there was no mention that you cant receive a new bonus if you received a prior bonus. The new rules after XX/XX/XXXX was no second bonus. I called three times and got the same message. I asked a manager to contact me and they never did after promising to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
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 never went to this school or any school. I never obtained Federal Student Loans of any kind. The information on my credit report is fraudulent. I have made an identity theft report to the police several years ago, yet XXXX is still posting negative marks on my credit report. Please make this stop so I can go about my life with decent credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I am filing this complaint due to lack of response from the credit bureaus, per the Fair Credit Reporting Act, if the bureaus do not respond in 30 days the accounts must be deleted. During these times of pandemic, taking the appropriate action is important and consumer like me should not its now been over 90 days and I have waited long enough.

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 2021-01-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.

Complaint:
Ally financial has promised since covi19 to work with me since i am struggling making payments on loan # XXXX and loan # XXXX their # XXXX they got covi relief help from President to help customers who are struggling like me, they promise to put missed payments at end of my loans. they havent send me a new statement with balance. They did try to REPOSSED BOTH trucks, as of XX/XX/2021 they call me to harass me and I also filed claim w/state attorney general cause she said lenders cant go after customers who are not paying due to covi 19, they are by law supposed to work with me on this issue. Ally has not do that. XXXX XXXX at XXXX XXXX XXXX XXXX fl XXXX email 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 2019-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Accounts on my credit report are not mine and have not been verified by the credit bureaus.

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 2022-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.

Complaint:
This complaint is in reference to My credit report showing a collection from your agency. I already sent a letter to your company but you did not respond with what I asked for to verify your claims of this alleged debt that I supposedly owe. I was never notified of this collection. I do not believe this debt is accurate. I do not believe this debt is mine. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for. 
2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
3 ) Documentation that shows I agreed to pay this debt with my signature and documentation that shows I gave you permission to have my information, and paperwork showing I gave you the authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such. 
4 ) The Agreement grants you authority to collect on this alleged debt. 
5 ) A copy of your state license, including the license number that gives you rights to collect in my state. 

6 ) A copy of the full purchase agreement 7 ) I want you to Swear under penalty of perjury you were present during the alleged debt Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 
Also, read the attached letter and review all of the violations by your company

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 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint:
15 USC 1602 ( p ) - Congress ensured that unauthorized use of a consumers information is a violation. Any violation is a civil liability paid to the consumer. You have deceived me, you have frauded me, and committed identity theft, you have caused pain and suffering. I, XXXX XXXX did not give written consent for the accounts in this complaint to be furnished on my consumer reports. After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX As you know it is against the law to report any information not proven accurate. 
I demand that you provide me with concrete evidence of my obligation to said accounts. 

COLLECTION/CHARGE OFF REMOVAL Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 
I am not in dispute of the ownership of the account but if you are unable to to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 
Best Regards, XXXX : XXXX Without Prejudice, All Natural Inalienable Rights Reserved Attached is my identification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Carvana Group, LLC

Complaint:
Bought a vehicle from Carvana the experience in general was pretty incredible great service easy to use, reliable etc. 

My issue since I have had this vehicle I have had the brakes done 3 times tires completely changed 3 times rotors completely replaced I have replaced the batteries twice and the vehicle often doesnt start using the key or push to start features resulting in massive inconveniences and hours of stress Tried to give them their vehicle back multiple times they would not take switched lenders specifically because of it but basically a $ XXXX lemon

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.

Complaint:
I have an issue that is still reporting on my credit report .Under the Fair Report Credit Act, you are required to comply with the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. My student loan is CURRENT with the XXXX XXXX XXXX xxxxxxxxxxxxxxxx XXXX. I have attached the letter from XXXX that my loan is in fact Current If the above items are inaccurate, misleading or incomplete, you have violated federal law. I expect you to make a re-investigation immediately. My social security number is SS XXXX DOB XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
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: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sc XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Nu 1 ), has violated several of my rights 16 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy, 18 U.S.0 1681 Section 604 A Section 2 : It also atatos a consumer reporting agenc can not furnish an account without my written instructions 15 U.S.C 16668 : A croditor may not treat a payment on a credit card account unde open-end consumer credit plan as late for any purpose Remove these late payment and update thie account immedialaly as you are in dies Violation of several laws under The Fair Credit Reporting Act,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
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 am a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-06
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc.

Complaint:
We traded in our truck back in XXXX to XXXX XXXX dealership. They sent payoff to GMFinancial and was told that the check was cashed by them as well as the dealership and the loan was paid off. A month or so later and the loan was still not showing as paid off and we continue to receive collection calls/letters. XXXX XXXX sent over proof of payoff and the check being cashed but STILL months later, the lease is still showing not paid off and we continue to get letters/calls and negative credit reporting. I have went above and beyond trying to get this resolved but when you contact them, you get a person who has no idea what they are talking about and you can NEVER speak to a manager or someone who knows what is going on. I have been patiently waiting over 3 months to have this resolved and no one has been able to help me. Please please help me, I am at a loss of what to do and this is not a fair business practice at all!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY

Complaint:
I recently applied for cash magnet from amex and got approved immediately. Since, I was receiving offer letter to apply for blue cash everyday credit card of amex for more than 2 years, I decided to apply for bluecash every day as well after 2 weeks of approving for cash magnet. Before applying, I searched on the internet and I found that the best plan is to use both combination of cash magnet and bluecash everyday together for everyday purchases and there is no constraint to apply for both. 

However, surprisingly I got declined immediately from amex for bluecash everyday! I called and explained the situation and the representative told me my account is in good shape and the only reason that I go declined was because system thought it is a duplicate application based on your current cash magnet application and that is why you got declined. As a result, we review your application manually and you would receive a call soon regarding our decision which would be your approval for the credit card! 

After 5 days, I receive a mail which is noticed me the amex abide by their decision and I am not qualify for being exception of approval for bluecash everyday! I was shocked when I read that mail as I expected to receive a call and being approved for the bluecash every day credit card! 

I called amex again afterward and I was told your application can not be approved as you already have the cash magnet credit card! 

I searched again on the internet and I could not find any policy any where regarding to not be able have both card at the same time! There are many people outside that talking about the benefits of using both card together as a combination! Also, if there was a policy I should know it ahead of applying to not allow them to pull up my credit report account! 

I need amex to review my account once again and approve my application. 

Bests, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
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:
Experian recently double reported a chargeoff. XXXX XXXX XXXX had a {$160.00} chargeoff and it was reported XXXX  months ago and I just got an alert that thet REreported it despite it already having been paid and reported.

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 2022-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY

Complaint:
I was denied credit by Amex in XXXX, XXXX which is unlawful pursuant to XXXX XXXX XXXX To the extent that a creditor considers credit history in evaluating the creditworthiness of similarly qualified applicants for a similar type and amount of credit, in evaluating an applicant 's creditworthiness a creditor shall consider The Equal Credit Opportunity Act ( ECOA ) was signed into law in XXXX and prohibits lending discrimination in all aspects of a credit transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
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:
There are several late payments on my Capital One credit card this is ILLEGAL ACCORDING TO 15 USC 1681 A SECTION 2 Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; PAYMENTS MADE TO THE CREDITOR FROM THE CONSUMER IS A " TRANSACTION '' PLEASE UPDATE NOW AND RE-OPEN MY ACCOUNT OR YOU ARE OPENING YOURSELF UP FOR LITIGATION

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
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: JPMORGAN CHASE & CO.

Complaint:
i recently pulled by credit report and notices credit inquires that i do not recognize, unauthorized and NOT mine. i must have been the victim in a cyber hack or identity theft. 
these non-account holding inquires with : jpmc b card, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX- XXXX XXXX-XXXX XXXX XXXX. Are NOT mine, i do not recognize and did not authorized. these inquires are fraudulent. to my knowledge, i have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FRCA ) sec, 1681b ( c ) : transactions NOT initiated by consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
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:
Requesting these accounts to be removed from my report these accounts were opened by someone who had my information. I am a single mom and I want my report to be correct and I do not give permission for these accounts to be on my credit report. Please Delete. 

In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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

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