hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-09-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK

Complaint:
Account had been charged off for almost 3 years. Countless time had disputed this debt and I will continue disputing until XXXX  when it'll finally drop off my account, this given the fact the status of limitation had passed they won't be able to collect anymore on these alleged debt. 

As I previously mention before, this debt is the result of identity theft and a customer representative actually validated this info, there were calls made where the mention of identity theft happened back in XXXX   on one of the calls I made.

I had asked them for original credit agreement bearing my signature, all statements from beginning to end of the account right before they charged it off, and all payment methods along with payments history for account. Was never received by me. 

Also, they reporting a balance when the account is charged off. It is illegal to report a balance when the account is charged off ( aka written off ) they already received a credit for this debt by reporting it in their Financial Statements as loss. For which I'm asking for a 1099C.

Attached my Original Police and FTC reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Nations Recovery Center

Complaint:
Called me on my cell phone at work. Told me that his client had identified a debt under my name and social and he was calling to collect. He asked me to give him my social security number to confirm. I refused to give him my social. He gave me XXXX digits and asked if it was the last XXXX digits of my social. 

I told him that it was not my debt and that he should not be calling me during working hours. He hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.

Complaint:
hi my name is XXXX XXXX i was on a joint account with XXXX XXXX and after selling my home it was on my credit report so i called and spke to experian asking why was it on there they told me it have to be on there until 2025 so i called my mortgage company asking why was it on my credit report they told me it shouldnt be on my credit report so after i spoke to them it still wasnt moved from my credit report so i am now reaching out to get house trying to purchase another home for me and my family

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 2018-07-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ARS National Services, Inc.

Complaint:
I receive calls mutiple times a week on my cellphone. No voicemail is ever left and they call from a blocked number. When I don't answer they then call me at work after I have asked them not to call me at my place of employment. My last contact with ARS on both my cell phone and at work where again I told them not to call was on XX/XX/2018 at XXXX EST

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.

Complaint:
I have requested written verification of this debt from this company on multiple occasions. To this date, I have not received any documents validating this debt. All correspondence was? sent via certified mail delivery # ( XXXX ) XX/XX/2021 MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( 1 ) ACCOUNT # XXXX AMOUNT : {$2900.00} ( XXXX ) ACCOUNT # XXXX AMOUNT : {$13000.00} I have attempted verification also by way of disputing with the credit bureaus also. Verification was not provided from XXXX, XXXX, and XXXX who all continue to report these unverified negative marks on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.

Complaint:
Received a notification from Chase that my rate was going up 5 % from 11.24 % to 16.24 % for no reason outside of increasing their profit margin. i have an 800+ credit score and pay off my balance monthly with all my credit cards. I 've had this card for over 20 years and never a late payment. After speaking with a supervisor, I was told I could either cancel the card or accept the terms. How are those choices for me? I accept a 50 % increase in my rate or lose my credit history which would negatively affect my credit score. I want my original terms just in case I need to carry a balance in the future. I felt like there was a XXXX to my head to make a choice that only benefits Chase. Absolutely horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
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:
There is an address on my account that does not belong to 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 2021-02-17
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: TRUIST FINANCIAL CORPORATION

Complaint:
SunTrust opened a bank account in my name in XX/XX/XXXX which has been determined to be fraud. However, the inquiry is STILL ON MY REPORT as LightStream and has NOT been removed. SunTrust Bank ( SunTrust ) merged with Branch Banking and Trust Company, a North Carolina banking corporation ( BB & T ) and the combined bank is now known as Truist Bank ( Truist ). LightStream is a division of Truist. I have asked XXXX to remove it, SunTrust has promised me that they would remove ANY reporting, but as of today XX/XX/XXXX, the inquiry is still there. I did not authorize it and I want it removed immediately or a financial penalty invoked. This is nearly 6 months later and the inquiry is still present. It took SunTrust several weeks to close the fraudulent account and STOP sending me statements as if I actually opened the account!

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 2021-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
XXXX XXXX XXXX XXXX XXXX balance {$0.00} XXXX XXXX XXXX XXXX  XXXX balance {$64000.00} BANK OF AMERICA XXXX balance {$5700.00} PXXXX XXXX XXXX XXXX XXXX balance {$20000.00} XXXX XXXX XXXX XXXX XXXX balance {$14000.00} XXXX XXXX XXXX XXXX balance {$2300.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately

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 2021-06-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC

Complaint:
Around XXXX, 2020 a year or so ago I got a letter in the mail from a collections agency attempting to collect a debt from XXXX. I never heard of this account before this and never opened a XXXX  account. The debt was around {$800.00}. I ended up filing a police report for identity theft. I called XXXX  numerous times. At this point I have called them at least 10 times and have yet to speak to anyone who has been able to help me. They keep saying they will report it and call me 7-10 days. Every time I never get a call. I filled out and submitted a " fraud packet '' on their website 5 times now with all the needed information and more. No response or email like their website says. I have also XXXX XXXX fraud and there are forums discussing this exact situation happening to other people and how XXXX does nothing about it. The debt has now somehow multiplied from the original XXXX or so, to now its over XXXX Not sure how that makes any sense. At this point the lack of XXXX  dealing with this, and the fact that I have consistently provided and been transparent giving them all the information, they have not responded with it. I would also like to add, when the XXXX account was originally opened fraudulently using my private information, my credit was never dinged or notified. I have credit karma that should notify if someone opens an account in my name. My information has been breached in 19 different hacks. The fact that I have called XXXX for the last year trying to have this removed from my credit and no response, as well as numerous other people online stating the exact same thing happening, this must be a reoccurring scam. PLEASE HELP 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 explanation
Consumer complaint received 2022-02-02
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: EQUIFAX, INC.

Complaint:
I contacted the credit reporting agencies to obtain a copy of my credit reports and when I received them, I seen the reports were filled with inquiries and accounts that were either charged off or in collection under my name. I contacted these companies an informed them these accounts had to be in error because I have no knowledge of them I requested the companies provide me with documentation of the original contracts with dates & both parties ( my Signature as well as the Companies ) signature on the documentation they could do no such thing. I also have tried disputing these inaccuracies through the credit bureaus, they have done nothing besides ignore me the companies have not provided me with any proof of contracts/documentations or anything, but instead the credit bureaus continues to report these accounts as accurate I really need my information reported correctly and the credit bureau should not be allowed to report this in accurate information to other parties it is outright slander.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
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: CORELOGIC INC

Complaint:
On XX/XX/17 my credit was ran and I am now showing a hard inquiry on my credit report from this creditor. I did not authorize the creditor to run my credit and I d not have an account with 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 explanation
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
The account in question was closed by the company without following the proper procedure in reaching out to the consumer, in which has created personal issues as a result. The charged off account was originally written-off in XX/XX/2022, while in excellent standing, and continues to be opened/closed since then along with continuous reporting of " late payments '' on an account deemed closed. It has been written off as a loss, and According to the IRS, a canceled debt ( charge off ) is gross or ordinary income, by which is non-reportable on a consumer report, rendering this information being reported as inaccurate. In addition, I have never received a 1099-c form for the cancelation of debt.

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 2020-09-10
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: EQUIFAX, INC.

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
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: Experian Information Solutions Inc.

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-31
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:
while checking my most recent credit report i notice accounts and inquiries that i did not authorize or apply for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.

Complaint:
On XX/XX/2020, I opened a Citi Priority Checking and Savings account. Soon after ( within 30 days on XX/XX/2020 ), I transferred an amount of {$50000.00} from my XXXX account into the new Citi account, and the terms indicated that I will receive a bonus of {$700.00} if I maintained that balance for 60 days. I continue to maintain the balance but have receiving no bonus. 

I have previously complained and Citi said it was too premature. Complaint ID XXXX. Since then, I spoke to them as well and a rep confirmed that I am eligible and raised an internal inquiry and I have not heard back from Citi. 

This has now taken more than twice the time Citi has promised for the bonus for account opening, and this is really deceptive way for them to get and keep my deposit.

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 2020-09-14
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed 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 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 explanation
Consumer complaint received 2019-02-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.

Complaint:
I consign for my son 's car loan. I am not privy to when he makes his payment or amount. On XXXX XXXX2019 I contacted ally loan to talk about account and was advise that XXXX needed to be paid by XX/XX/ 2019.  I told them I do not want this going on my credit report and I had the funds to pay today and was told just make sure pay by XX/XX/ 2019 and that would bring it current. On XXXX XXXX,2019 I notice a late payment had posted to my credit bureau, I contacted ally and was told that it was 30 days late, I spoke to a supervisor and was told if I make the payment today XX/XX/XXXX they would remove it from credit bureau, a payment of XXXX was made and I phone back on the XX/XX/XXXX to verify payment was receive and XXXX told me it would take 7 to 10 days to remove it but it would be done. I receive a letter from ally on XXXX XXXX that they were not going to remove it from the credit bureau. They deceived and misled me to believe that this matter was being handled. If they had just taken my payment on XXXX XXXX this would have never happened. They did not give the correct information and advised me that the payment on XXXX would keep it from going on my credit. They tape all conversations and this will show they gave incorrect information and that it is their fault.

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 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.

Complaint:
I am a US born citizen who lived and worked in the US until XX/XX/1995 when I moved to XXXX with my XXXX Husband. I currently hold dual citizenship. 

I file my US taxes every year. 

A very odd pop up came on my phone from Equifax. The names that popped up was from my ex-husband and his sons name from his second wife for what appeared like a loan / lease for a vehicle. I have not seen or had contact with him since the mid 80 's  when we divorced. 

All three of the major credit agencies can only give me my XXXX Credit Report and Score. Because I do not have a US address they will not give me my US Credit Report and Score. I have spent hours trying to explain to them that I have literally not lived in the US since XX/XX/1995. I have tried Social Security, Federal Fraud Agency and they sent me to you. 

All I am looking for is my US Credit Report and Credit Score. If there is activity that is going and it is not mine - I just want it removed or flagged - however that is dealt with. Thank you very much for any assistance you can offer.

Company response to consumer: Closed with explanation