hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: FIRST PORTFOLIO SERVICING INC

Complaint:
I missed a payment on my card and the collections department began calling the day after the due date. On XX/XX/2023 they left a message on a message identifying themselves as a Debt Collector. I believe this disclosure without verifying who they were talking with violates the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.

Complaint:
CitiBank provides an online means to pay your bill. The site has general selections to pay your bill that are as follows : Minimun due - This is the minimum amount you must pay to avoid going late.. 

Last Statement Balance - This is the amount you owe from your most recent statement dated ( Month day, year ).

Current Balance - This is the total amount you currently owe.

Custom Amount My issue is with the statement that the current balance implies that it is a total of what you owe to pay off your debt. In speaking to two different representatives, one via instant message offered on their website and one over the phone on a recorded line, This is not a current amount and I was charged interest on the previous two months statements. I was also informed that the interest is accrued daily but is charged to the account at the end of the statement period. I asked then what is the difference in having the options to pay the " Last Statement Balance and the Current Balance? '' I was told that the interest was not previously in the " current balance. '' When I asked the representative on the phone what current means to them they agree that it meant up to the day. I asked why they couldn't then have had the previous two statements interest already calculated in the current balance since they accrued it daily. I was apologized to for the confusion but was never answered about why there was an option for paying the Last Statement Balance and a Current Balance when there was nothing current about the " current balance. '' This is not only misleading but an outright lie. If you can accrue the interest daily then it should not be that difficult to provide the current balance you are showing as a payment option to make it a factual current balance. For the record if the interest was included in the " Current Balance '' when I chose that payment option I would have included it in my payment. To add insult to this I was informed that the interest was from an amount that was roughly half of my last two statements and so even saying that is where the interest is accrued from is a lie.

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 2017-07-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.

Complaint:
Navient sent a notice on XXXX XXXX that they would be willing to settle on the account. I called and and arranged to pay down {$3000.00}. I had 90 days to pay for it. We arranged {$1500.00} on the first payment which they received and the second payment a month later, and if I could n't do that call back in and we can change the payment date. They refused to do it. The baited and switched me. And said, " oh you have to pay it all now. These disgusting people that the federal government has hired are unethical, liars and I will not do this. I will stop any check payments on my bank, they have refused to honor what they told me. <P/>This can be recorded I hear all the time on the phone. Than let 's here it. IT will show a different picture.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.

Complaint:
A third party company called XXXX XXXX XXXX has posted a derogatory on my credit report and public record for a company called XXXX XXXX XXXX. It say that it was made in XXXX of XXXX but information of where and when is not accurate or related to my involvement. LVNV Funding says they are part of a collection company from XXXX XXXX XXXXXXXX XXXX XXXX XXXX for a credit card I do not own. XXXX is also for something from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX says it was opened in XX/XX/XXXX A company called XXXX XXXX says they are collecting a debt for a XXXX XXXX XXXX. This account was closed and told not to be renewed. But the companies customer service for XXXX  aggressively did not want me to stop having coverage. I wanted my service ended. I was in a lXXXX XXXX XXXX XXXX. And no longer wanted anything to do with this harsh company. My service and demand to stop service was in XX/XX/XXXX. Instead the XXXX company still charged me for another month not listening to the cancelations made from XX/XX/XXXX thru XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC

Complaint:
Sequium asset solutions llc is the name of the company XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX They've called on the XXXX and XXXX of XXXX after I've already spoken to them and asked for them to stop harassing me. I've asked them to stop calling and they continue. 
They call from local numbers and when you call back the numbers aren't in service. They do not let you know who they are when they call unless you give them personal information over the phone and only after you give them the info do they let you know who they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.

Complaint:
At the time of that vanity to gain access I believe all my personal information including my Social Security number was used to open up accounts without my permission and my authorization I hope I submitting this it will put a stop to this issue from ever occurring

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint:
I have reported this unlawfully attained account XXXX to both the credit bureau and XXXX XXXX XXXX on numerous occasions. This account has been removed and supposedly blocked from my credit report twice the account resurfaced on my even after the bureau blocked it. My identification was stolen during a theft occurrence in 2016. I was unaware that someone had used my identification to attain an account with XXXX until years later up upon learning of this, Ive made every attempt to remove this account from my credit report to no avail. This is both illegal and irresponsible that this company and the credit bureaus have not removed this account from my report. This unlawfully illegally attained account is damaging my opportunities and affecting my finances. Both Bureau and XXXX have received my identity theft report but have not acted according to law in resolving the impact that this has inaccurate information has had on me.

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 2022-06-16
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: EQUIFAX, INC.

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX  account # XXXX, XXXX  XXXX XXXX account # XXXX, XXXX  XXXX account # XXXX, and XXXX XXXX  account # XXXX have 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Professional Finance Company, Inc.

Complaint:
Professional Finance Company is a collection agency. They contacted my employer with a writ of garnishment. I contacted them prior to the garnishment starting on XX/XX/XXXX and paid them a settlement amount of {$760.00} to stop the garnishment of {$930.00} even though I still have no clue why my previous employer is garnishing my wages at my new employer I paid them to just make them stop. I confirmed on the phone with them that the payment I was making would close my account, pay the balance in full and stop the garnishment. They said yes and stated the would fax a release of garnishment to my employer. The following week XXXX $ was garnished from my check. I contacted my employer on XX/XX/XXXX who stated they had never received a release of garnishment. I contacted PFC on XX/XX/XXXX as well, they stated they would yet again the account was fully paid and they would fax a release of garnishment and that I could come pick up the wages from my check that were garnished when they received it. On XX/XX/XXXX my employer called me to tell me that they still hadn't received a release of garnishment and if they didn't receive one by XX/XX/XXXX another portion of my check would be taken and sent to PFC. I got off the phone with them and called PFC who is now stating they have already faxed the release of garnishment and will not send another even though my employer never received it and now they are stating that I owe them an additional XXXX $ for something that was never included in the payment I made on XX/XX/XXXX when I paid my balance in full. Now due to the payment I made in full of XXXX and the XXXX they have taken a total of XXXX which is over the amount stated by the courts that I owed them ( XXXX ) and they are refusing to fax a release of garnishment or anything stating that I paid them so they can continue to garnish even more of my wages.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-30
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: CAINE & WEINER COMPANY, INC.

Complaint:
15 USC 1681 Section 604 " States rights to consumers privacy '' Reporting agencies can not furnish an account WITHOUT my WRITTEN consent!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$14000.00} XXXX XXXX {$1000.00} XXXX XXXX XXXXXXXX {$7000.00}

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 2022-01-19
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: EQUIFAX, INC.

Complaint:
XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1963 ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX BANK XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, XXXX CRA must block the fraudulent information and the victim must be identified within XXXX business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1963 ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
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: Experian Information Solutions Inc.

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX XXXX, has violated my rights. 
15 usc 1681 section 602 states I have a right to privacy.

15 usc 1681 section 604 A section 2 : It also states a consumer reporting agency can't furnish a account without my written instructions.

15 usc 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2018-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HW Holding, Inc

Complaint:
XXXX  has the following information on my credit report and it is not correct : States I am know as XXXX have never spelled my name this way Shows an address of XXXX XXXX XXXX XXXX TX XXXX have never lived in TX Shows a collection account from XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX FL XXXX XXXX XXXX XXXX. This does not belong to me. 

Shows an inquiry from XXXX. I did not authorize this.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
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/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$6900.00} ), XXXX XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$6500.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1000.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1200.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$510.00} ), XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$770.00} ), XXXX XXXX XXXX  XXXX ( Account Number XXXXXXXXXXXX, Open Date XX/XX/XXXX, Balance : {$2400.00} ), XXXX XXXX ( Account Number XXXXXXXXXXXX, Open Date XXXX XXXX, XXXX, Credit limit : {$1500.00} ). Its been over XXXX days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2023-02-02
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:
I disputed this account with all three credit reporting agencies. After reviewing my consumer report this account is still showing inconsistencies and inaccurate information. 

The amount {$7700.00}

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 non-monetary relief
Consumer complaint received 2018-11-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Strategic Alliances, Inc.

Complaint:
I sent a validation letter to First Financial Investment Fund Holdings located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX, pertaining to a medical bill in the amount of XXXX dollars that was placed on my credit reports. They have not provided the proof requested in the letter send on XXXX the XXXX, but instead continues to report the said debt monthly to each of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Focused Recovery Solutions, Inc.

Complaint:
I disputed a medical bill on my credit report. i disputed it with the credit bureaus and with the collection agency who reported the bill to the credit bureaus. in attempting to verify the debt, thr collection agency sent me an itemized list of medications with a total that was well below the total they claimed that I owed and haphazardly used and shared sensitive and private medical information in the process. I sent the collection agency another letter of dispute, and also disputed the information with the credit bureaus again. HOWEVER, the credit bureaus have marked the bill as verified and are no longer allowing me to dispute the bill with them, due to the fact that they have already " investigated and verified the debt '' but can not disclose the sensitive information that proves the debt has been verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

DEPTEDXXXX XXXX {$9000.00} DEPTEDXXXX XXXX {$17000.00} DEPTEDXXXX XXXX {$17000.00} DEPTEDXXXX XXXX {$3700.00} DEPTEDXXXX XXXX {$6000.00} USDEPED XXXX {$34000.00} XXXX   XXXX {$2500.00} XXXX XXXX XXXX {$2800.00} XXXX  XXXX {$2500.00} XXXX  XXXX {$990.00} XXXX  XXXX {$7100.00} USDEPED XXXX {$8200.00} XXXX XXXX {$480.00} XXXX  XXXX {$5000.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 2016-11-17
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Management Partners, LLC

Complaint:
Contacted creditor for proof of this debt to validate this is actually my responsibility. Creditor sent me information related to this debt that proves it belongs to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
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: EQUIFAX, INC.

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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

Company response to consumer: Closed with explanation