hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-08-15
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:
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 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 2018-02-24
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: National Auto Lenders, Inc.

Complaint:
I have filed complaints with the XXXX and the credit reporting agencies in refrence to a data provider NATIONAL AUTO LENDERS. I requested to please provide physical proof so I can validate the account and the alleged alligations. National Auto Lenders States whats being reported is correct but has not to respond to my certified request to allow me to verify the account or send me anything inrefrence to this ccount to support their statement. Im only inforcing my credit rights per section 609, please understand im well within my rights to request and verify this information without being ignored or insulted for inforcing my rights. I have also made an attempt by phone and was advised that I will recieve a call back but unfortunitely again to my disappointment no one responded or call me back. I have attached the letter sent to National Auto lenders and reciept of successful delivary. 

*Please be advised, My request for deletion only supports the FCRA and laws thats inforced for inaccurate, incomplete, unverified and unproven statements and alligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
Bank of America sent me a letter last week stating that they will be closing down all my accounts. 
This is outrageous I have been a customer of the bank for over 5 years and have never been involved in any form of shady transaction I need full explanation as to how this happened

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 2017-06-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC

Complaint:
This person has been calling for months claiming to be from the power company trying to save me money on bills. After  XXXX  the number I found it 's really a collection agency. They call multiple times a day even after I added the number to my reject call list.

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 2021-01-20
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:
I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XX/XX/XXXX on XX/XX/2020 ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/2020 XXXX Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ), I therefore legally request the DELETION of INACCURATE items from the PERSONAL INFORMATION section of my credit report with your agency. I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : XXXX XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX, AL XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : XXXX XXXX XXXX as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
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: AMERICAN EXPRESS COMPANY

Complaint:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
American Express - Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX - Inquired on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP

Complaint:
I received a letter today ( XX/XX/XXXX ) claiming that I owe {$88.00} for a {$1.00} toll that I allegedly did not pay two years ago ( on XX/XX/XXXX ) in Delaware. First off, the license plate number on the letter is not mine. Second, I don't live in Delaware nor do I travel to Delaware and I have photos on my phone from the date they are claiming I have this unpaid toll which proves that I was not in Delaware, I was Washington , DC, which is where I live. Third, I tried calling the number on the letter to this Law Office and no one picks up, I was on an automated hold 20 minutes and finally hung up. Fourth, I looked up this company ( Linebarger Goggan Blain & Sampson, LLP ) and the first thing that pops up are the XXXX reviews, all one star reviews, and people have similar accounts to my own and asking how this company is still allowed to be in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC

Complaint:
XXXX waived debt due to moving in regards to COVID-19 and they refused to take back equipment when offered so debt is not valid. 


The collection company intentionally broke their website to make it harder for me to dispute debt within 30-days. 

XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Synovus Bank

Complaint:
I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
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:
Same companies I am complaining against. U dont allow uploading some more pics as proofs. 

I did pay more and did pay on time. I was never late except once in 2018 and did inform XXXX XXXX ahead of time. 

I even recently paid it off but XXXX XXXX did not report or Experian Credit Bureau careless to update! 

XXXX XXXX XXXX owes me!!! I paid off but they do owe me from too much payments from too many interest rate and charge rate when I was on time 90 %!

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 2021-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.

Complaint:
This is an unknown collection account reporting multiple times on my credit profile. I am respectfully requesting that you delete this inaccurate account from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.

Complaint:
I sent a letter regarding inaccurate info and unknown things being on my credit report to Equifax 60 days ago.I have not received as response yet and seems as if my disputes being ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ACS Education Services

Complaint:
Back in 2009 I had a student loan that was issued before the federal aid was able to be applied. When the federal aid was applied, the loan was refunded back to Conduent but my federal student aid account still shows an outstanding balance for the original loan. When Ive spoken to their loan service rep, they said that the loan was refunded and that I dont owe anything and would send the corrected information to NLDS to reflect that I dont have a balance but they never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
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 did not consent or authorized nor thing I gain anything from these accounts. These accounts are not my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
In response to Experian, I XXXX XXXX am a individual, NOT a third party and i am a victim of identity theft.

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 2017-07-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Suttell, Hammer & White, P.S

Complaint:
Consumers need to be on the ALERT about a law group name, XXXX XXXX XXXX XXXX XXXX XXXX a.k.a XXXX XXXX XXXX XXXX XXXX and other alias. The are a debt buying firm and they obtain  FALSIFIED judgments. An Earnings Withholding Order was received by my employer from this firm claiming they have a judgment against me for a debt from XXXX card. I called XXXX card and they notified me that the debt was charged off ( sold ) and if anyone is making an attempt to collect it is for their benefit not XXXX. I gave them the name of the firm and they told me that I needed to contact them because XXXX has NO ties to this firm. Upon reviewing the " court documents '' it appears that XXXX XXXX XXXX XXXX XXXX alleged to have served me, however according legitimate court documents XX/XX/2016 shows that papers were returned due to not found/no service. They then started to submit false documents to the court stating I was served as to obtain a default judgment. I am not the only person that this has happened to, matter of I have a co-worker that they are pursuing as well. Please investigate the practices of this business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
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 MY NAME LISTED WRONG AND A LOT OF PREVIOUS ADDRESSES THAT ARE NOT MINE ALSO MY DATE OF BIRTH IS WRONG, SEE XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
On XX/XX/22 I was contacted by a person impersonating a real cop from my town saying that I had not shown up for court for one of my juvenile clients ( I'm a therapist ) despite signing a court summons. I went into panic mode XXXX  I have a professional license that any kind of misdemeanor can mean it gets revoked and I no longer have a job. The person sounded like an XXXX XXXX ( not foreign ) and called from a number that said " XXXX XXXX '' on it. He threatened me with criminal charges if I didn't pay the " bond '' fees for the charges against me until I was back in town ( I was out of town when this scammer called me ) and could prove I hadn't signed the court summons. Long story short - he got XXXX out of me ; looking back, I realize how stupid I was, but I'm new to my job and messing up by not being somewhere I was supposed to be ( like in court for one of my juvenile clients ) wasn't out of the realm of possibilities. He defrauded me by pretending to be a cop, and now the bank won't refund the money I lost saying that it was an authorized transaction. But is it really authorized if it was under duress and fraudulent? I disputed the charges on XX/XX/22 and they must have denied it immediately ( i never got an email ). When I called them to check the status, they told me I should have gotten an email about it. While on the phone, I asked if they would reconsider, and they said no - their decision was final. XXXX is nothing to this bank, but it's a lot for me and my family. I've already filed a police report. I know I was stupid, and I've learned my lesson, but I just think the bank is being unfair in this situation. If I had called and lied and said that someone broke into my phone and completed the charges, would they refund then? I don't understand the logic- it was a transaction that was obtained through means of fraud, impersonating an XXXX ( a real one that actually works in my town! ), and threat to my livelihood. Please, I am begging you. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.

Complaint:
On XX/XX/2021 there were three fraudulent transactions made to my bank account which resulted in a total of almost XXXX dollars which I had not authorized. The same day the fraud was commited, not even 20 minutes after I arrived at a Chase bank and made them aware of the situation. One of the representatives there cancled my account on which the fraud had occured on and made me a new account. Which the next day appeared to had transferred over the fraud into my new account. When I tried again reaching out to chase no help was provided. So when I went to the police department to make a report they asked that I bring in a dispute form which Chase refuse to give me multiple times and till this day I have not recieved that form. Which did not permit me to move forward with the investigation.Also when I called Chase and their team including their executive office I was told many times that there was nothing they could do for me and refused to give me any information that could help me. The only information I was given was by Chase was that the transactions were made to a XXXX XXXX account. Which I reached out to XXXX XXXX and they told me that the information of the account could only be given to the police and inorder for me to allow the police to work on my case they needed the dispute form for the fradulent transctions. That like I mentioned before I was denied. They also just keep saying that there is no way that they can prove that it was a fraud when it clearly was and also refuse to give me a dispute form for those transactions so I can bring to the police inorder to prove its a fraud and I can sign under a judge that I have nothing to do with the fraudulent transactions nor do the two other individuals on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK

Complaint:
I got a letter in the mail from Discover student loan, saying they sent me a check that was never cashed. It mentioned I must cash byXX/XX/XXXX or call to get it reissued. However I did not get this letter until after XX/XX/XXXX. I called their toll free number that was stated in the letter but they said they had no information regarding this check, when it was sent, the amount, etc and I must contact the XXXX to get this resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
Ive contacted the credit bureaus on several occasions asking them to investigate items on my credit report. This company is failing to reply to me or investigate my disputes. Per th FRCA I do have the right to dispute inaccurate information on my credit reports right? After carefully reviewing my credit report I noticed several accounts listed under MEDICAL. Under the HIPPA Law my medical information is protected from third parties. I know for a FACT I have NEVER given ANYONE permission or access to my medical information. I have contacted these third party companies asking for a medical release form. No one has furnished me with this information I have requested. I am DEMANDING the credit bureaus respect my personal information and rights and remove these accounts from my credit reports IMMEDIATELY XXXX XXXX XXXX - {$810.00} XXXX XXXX - {$1500.00} XXXX XXXX - {$81.00} XXXX XXXX - {$75.00} XXXX XXXX - {$210.00} XXXX XXXX - {$160.00} XXXX - {$5000.00} I Have NEVER DONE BUSINESS WITH THESE COMPANIES!!!! They should NOT have any of my information. This is becoming exhausting and I feel like I have exhausted all my options. This is causing me major stress.

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 2023-06-01
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:
XXXX accounts fraudulently opened without my authorization. Filed identify theft report as well as multiple police reports and sent to credit bureaus for removal of fraudulent information not belonging to me. They have either not responded or continued to leave incorrect information on report. Have not provided me proof that anything was investigated or verified to date.

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 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
XXXX took XXXX points for a fraud account that I had to dispute then another XXXX points for the fraud account being thirty days pass due. I have since been notified that the fraud account was found to be fraud and closed and removed from my report. However the damage to my score has not been replaced to show that. I am in good styanding and back to the score it was before the fraud account was listed. They removed the account but have not returned my points

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Prosper Marketplace, Inc.

Complaint:
I applied for a Prosper card around XX/XX/2022. Due to a number of relocations and emergencies, I never received the card which was shipped to an old address. In the meantime, the card was lost/stolen and thieves spent approximately {$1100.00} ( my entire credit limit ). I have been on the phone with Prosper on multiple occasions, and they have been having a difficult time marking all of the transactions involved. Meanwhile, I can not seem to have online access to the account due to the holdup. It is also reflecting on my credit report that my card is maxed out.

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