hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2019-05-15
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Specialized Loan Servicing Holdings LLC

Complaint:
Good day Sir /Ma'am, I took out a second mortgage on my home in XX/XX/XXXX with XXXX mortgage for XXXX. After paying almost 2 years on it at XXXX a month my family succumb to financial hardship due to my illness from XXXX. At this time we choose to modify my first and second mortgage through XXXX  XXXX XXXX. I was face to face with the XXXX reps when the modified both and signed agreements. In XX/XX/XXXX years later XXXX DEBT COLLECTOR said I owed XXXX for the second mortgage. After calling around skip tracing, contacting family members, belittling me and wife, and calling weird hours of the day. I finally made a complaint with CFPB. Then for a minute or two we had peace of mind. Then in XX/XX/XXXX we got transferred SPECIALIZED LOAN SERVICES. This company not only add interest back from XX/XX/XXXX till now but, they send both me and my wife FORECLOSURE notices just last week in XX/XX/XXXX for XXXX. Interest fees, late fees, service fees and I am assuming lawyer fees as well. As I look on my county record dept. website I dont see a thing. Ever since XX/XX/XXXX do I see anything referring to a second mortgage. No tax or irs papers for interest, nothing on any of my fica example ; equifax, experian, or transunion. In XX/XX/XXXX I ask them to stop calling me everyday and stop the mass mailings. They continue to call even up to today I block there many number several times. I am not sure if my STATES STATUTE OF LIMITATIONS apply in my case after the barrel rolled the time.Please we need clarity before we lose our home. HELP!

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 2023-05-10
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
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: EQUIFAX, INC.

Complaint:
XXXX continues to submit an account that has been charged off over 5 years ago and the credit bureaus continues to update the information as though it just happen this year. The car was voluntarily surrendered in XX/XX/2018 ... ..No payments were made after XX/XX/2018 because employment was tremendously slowed with my wife business. The credit companies continue to allow XXXX to report this on our credit report to extend the length of time they are able to report this and We would like for it to stop immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06
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: EQUIFAX, INC.

Complaint:
An account that was deleted off my XXXX and equifax credit report was re-inserted and put back on my credit reports. This account ( XXXX XXXX XXXX XXXX ) was removed now upon checking my reports it is showing as accounts that are closed and as a charge off. XXXX has it listed under accounts that are closed and marked as needs attention ( which is wrong ). This account was completely removed off my report as it was suppose to be ( according to corporate office over at XXXX XXXX XXXX ). Equifax has it listed just as a closed account but upon reviewing the closed account it shows charged off. This account was completely deleted off my reports and now re-inserted into a different spot. Once deleted they are not suppose to re-insert.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
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 win me Fair cream Reporung acr. The List or accouns below nas violared my rederany protecred consumer tignts to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : 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 15 U.S.C 1681c. ( a ] ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followinc items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more man seven vecEs 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 2021-09-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stern Recovery Services, Inc.

Complaint:
Medical debts are not allowed to be reported with out my consent hippa law violations will sue if these debts are not removed from my account/account never belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
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: EQUIFAX, INC.

Complaint:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2016-09-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HW Holding, Inc

Complaint:
The problem I had was with Hunter Warfield collections regarding XXXX XXXX Apartments. The apartment company charged me and my XXXX roommates for staining of carpet due to my roommates cats XXXX. My roommates told XXXX XXXX Apartments that the cat XXXX was their fault and to take me off of the fine. My roommates eventually settled in small claims court and the fine was taken care of. This bad credit report was never taken off. It needs to be removed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.

Complaint:
On XX/XX/2021 and XX/XX/2021 I sent factual disputes with proof showing this inaccuracies in the date opened, high credit limit and the comment section.They updated this with the same errors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Levy & Associates, LLC

Complaint:
I do n't owe any bills or any debts I have informed this company of this and to stop communications with me they have ignored my written letter and are attempting to collect a debt I do not owe they just sent me more communications that have nothing to do with me what so ever their letter is claiming identity fraud their letter ignores my previous communications and has nothing to do with me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
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:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
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:
XXXX, TransUnion, and XXXX, which are non-government for profit entities, has been providing my credit report to other entities without my permission or informed consent, and refuses to stop this practice or delete my account and erase my data when I ask them to.

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 2020-09-18
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:
XXXX  fail to delete inaccurate names when I send them proof with my id and sscard they are violating my rights. See the attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I had purchased an item on XXXX with my Capital one card, and I needed to return the item because it was the wrong size. When I had called XXXX they told me that they had sent me the return label of the item that I needed to return. Once, I tried to make the return, I couldnt because I wasnt sent the right return label from their own customer service center of XXXX and Capital One said that they could not do anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-11
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:
XXXX AND XXXX DELETED THIS ITEM DUE TO ITS INACCURACY, I NEED TRANSUNION TO DO THE SAME

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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I contacted XXXX XXXX XXXX XXXX in XX/XX/XXXX to discuss a balance of {$53.00} showing on my credit profile. After sometime the agent told me that they could not locate my account information, I asked the agent why are they reporting to the credit bureaus about an account they have no record of existing? The agent advised me that they would stop immediately reporting and that the account would be removed from reporting status. 

I fast forward to today XX/XX/XXXX and I while reviewing my creditwise I see XXXX XXXX XXXX XXXX Charge Off in the amount of {$53.00}. They have attempted to collect on a debt that they have no record ever existed and they also have lied by stating they would not report a ghost 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 2023-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION

Complaint:
I received a phone call last year asking me questions about my business credit card saying they were from the credit union. I had previously noticed announcements about spoofing attempts with RBFCU. I called the customer service number at XXXX. The representative told me not to answer any questions from that number that called ( XXXX ) as it was fraudulent. Fast forward several months and my business card was closed because I didnt respond to their upgrade request. Im now unable to pay it via the app. They also occasionally send paper statements but not with the full account number so Im unable to pay electronically. I asked them to give me the full number but they refused or kept referring me to my personal account. I have to call in every month and wait an average of 25 minutes for a special payment department to locate this closed account or I have to snail mail a payment if I do get the statement in a timely manner via postal mail. I am being severely inconvenienced due to misinformation from the credit union representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA

Complaint:
I received a call from XXXX XXXX on moday XX/XX/XXXX like at XXXX where they told me that they were can I consolidate my student loan they even told me that they were going to remove {$190.00} from my bank account for 3 months and approximately {$19.00} or {$20.00} starting on XX/XX/XXXX. For a moment I didn't even think about that that call could be a scam. XXXX XXXX   is the company that lent me my student loan. I feel so stupid for giving them my information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
My card was stolen and used to spend over XXXX at a place called the XXXX  and Bank of America are refusing to refund 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 2017-09-08
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:
I found out in the news ( X/X/2017 ), 2 months after the alleged security breach took place with Equifax, that 143 million Americans ' information might have been compromised. This included SSN, DOB, credit card info, and other personal identifying information. I checked the Equifax site and was told it was likely my information was exposed. 

I was not notified by the company, but instead had to go look for the information myself. 

The breach is inexcusable and places my identity and credit at risk. 

I have since tried to freeze my credit with Equifax, but found out that anyone with certain information ( ie SSN ) could unfreeze my credit with Equifax. This is beyond the pale of incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
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 believe, because I often may be living or visiting abroad for extended stays out of the country this has made me an easy target for identity thieves here in the U.S.. It was just a week ago or so that I discovered that there was a credit card and auto loan previously unauthorized by me taken out in my name. This include a XXXX XXXX credit card and an auto loan with XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: 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 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
On XX/XX/21 ; I sent a certified letter to the TransUnion and XXXX disputing the inaccurate unverified bankrupcty filed within my credit report. I have challenged the validity of this alleged bankruptcy listed on my report. I have went to the courthouse, and they have stated, " they did not verify this information. '' I have sent correspondence to the XXXX and they have verified that their is not bankruptcy being reported on my credit report. For whom, XXXX and TransUnion both use a third-party source to verify information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation