hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-01-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group

Complaint:
On or about XX/XX/XXXX, Velocity Investments , LLC was sold this loan debt from XXXX XXXX XXXX XXXX Initially the debt was sent to XXXX XXXX whom I tried o work with and resolve by arrangements. I notified XXXX of this and subsequently ( between XXXX and XXXX ) received a some type of notification that Velocity Investments was involved. 

I sent a dispute based on a partial payment issued to the XXXX XXXX XXXX in XXXX, the original debtors. Upon notifying of this, I had not heard anything from Velocity Investments as to remit proof of the partial payment or anything until appr. XXXX of XXXX, a letter from an attorneys office, XXXX, XXXX XXXX XXXX. I sent the dispute based on the aforementioned information. Again no request for proof of payment was requested from me. 

In XXXX of XXXX, I received a notice of a court filing. I reached out to the attorneys office working for Velocity Investments, assignee of XXXX  XXXX XXXX talked to an attorney about the issues and was told to submit a " Circumstance & Request '' which I did by mail the same day. I responded to the court summons and a court date is set for XXXX XXXX, XXXX. I received in the mail on XX/XX/XXXX, a notice from another attorney, XXXX XXXX XXXX issued by Velocity Investments, XXXX XXXX and the assignee XXXX XXXX a debt collection letter for the same debt we are currently scheduled in court for. I believe this is in direct violation of Fair Debt Collection Practices Act and speaks volumes for what has been transpiring as it has been sought to resolve this 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 2022-04-12
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: EQUIFAX, INC.

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account # : XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX : XXXX, XXXX  Account # : XXXX, XXXX XXXX XXXX XXXX  Account # : XXXX, XXXXXXXX  Account # : XXXX, XXXX XXXX XXXX  Account # : XXXX, XXXX XXXX XXXX  Account # : XXXX, XXXX XXXX XXXX XXXX Account XXXX : XXXX, XXXX XXXX XXXX  Account XXXX XXXX XXXX, XXXX XXXX Account # : XXXX Have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacv.

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 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 response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
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:
This is an ongoing and continued fraud being carries out by XXXX, Equifax and XXXX. For seven year I have been reporting this fraudulent claim and for seven years they have been taking it off and Equifax has been putting it back on my credit report with a different collection agency. For seven years they provided no documentation and suddenly now have found fraudulent document, which does not even relate to their false claim ( see attached file ). 

My last request for this false claim to be removed from my Equifax credit resulted in a report from Equifax on XX/XX/2020 stating that they were no longer reporting the false claim. To this date they are still reporting this false claim and continue to carry out an attempt to extort money out of me. This is the same scam that the parking debtors were using to scam money out of people by making false claims of money owned in an effort to get people to pay rather then fight the false accusation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Product: Credit 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: TRUIST FINANCIAL CORPORATION

Complaint:
I had a charge for XXXX and change placed on my card in XXXX, I immediately called the bank when I got my statement to report fraud. They took the complaint but still the charge remains on my account and they charge me monthly interest. I have never heard from them despite numerous calls to them being placed on hold for up to XXXX minutes. When I ask where we are after 90 days i am told its under investigation. When I ask what steps and measures have been taken I am told that is confidential? 

I am thoroughly disappointed and disturbed to be treated this way but more so concerned that Truist bank can get away with this.

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 2017-06-09
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)

Complaint:
In XXXX XXXX, I was contacted along with my friends regarding being taken to court for a debt from ACE Cash Express. They refused to give me any information regarding proof except to continue to threaten me and the individuals they claimed were listed on as references. Even when I made arrangement to pay {$150.00} and gave them my bank account # out of fear they would file with XXXX courts, they continued to call and harass me and my friends. I spoke to a young lady by the name of XXXX XXXX who was very helpful in explaining that they would adjust the date to ensure funds were available when they withdraw. The payment schedules were in line with my pay dates. However for the month of XXXX the payment schedule was changed to be the week after my pay date which is a conflict with other bills. I contacted the agency on several dates this week to ask why the payment had not been withdrawn. After XXXX XXXX. I was provide the contact number of XXXX and XXXX answered. When I requested proof of the debt, She stated it would not be provided until after the debt was settled. she said I had a balanced of {$1200.00} left to settle the debt. When I asked to change the date back to this week she said it would not be changed. She then said I had the option to not continue to work with the company and the matter be forwarded to the courts. I told her I was not trying to be difficult but I have paid over {$1800.00} to this company already without any proof due to scare tactics and do n't want it be that they had no legal authority to collect this debt when I finish making payments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
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: EQUIFAX, INC.

Complaint:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

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 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 *15 U.S.C . 1681 Section 602 A. States I have the right to accurate credit reporting and 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 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I HAVE WRONG NAMES AND ADDRESSES THAT NEED TO BE CORRECTED SEE LETTER ATTACHED FOR THE DETAILS

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 2023-01-13
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them from my file immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-04-23
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:
Not sure how this work. I believe someone has possibly stolen my identity, or the credit bureaus has reported major errors on my credit report. Not sure in 2023 how that is possible. I recently pulled my credit report. I found numerous errors. I am a living human. I have rights under 15 USC 1681 Transunion, XXXX, XXXX is governed by 15 USC 1681 And they have violated my rights numerous of times. I demand these accounts listed in this report be removed. According to 15 USC 1681 I have rights to privacy, and I did not give XXXX, XXXX, and Transunion written permission to furnish these accounts. These collection companies I believe they not authorized to do business in my state of Georgia. I believe these accounts should be removed XXXX XXXX XXXX account XXXX XXXXXXXX, XXXX XXXX account XXXX XXXXXXXX, XXXX XXXX account XXXX XXXXXXXX.

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 2023-07-07
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , NC XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$650.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3700.00} ; XXXX XXXX XXXX Balance : {$840.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$780.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$470.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$0.00} ; XXXX XX/XX/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 2021-03-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I have personal checking Acct ( ACCOUNT XXXX ) and DBA Business checking Acct ( ACCOUNT XXXX ) at CAPITAL ONE BANK. 
Account 1 had a balance of {$8300.00} Account 2 had a balance of {$5600.00} Total available at the Bank was {$14000.00}. ( Attachment 1 ) The Bank froze my accounts, denying my all scheduled payments- and claimed my Accounts were under investigation ( BY THE BANK. ) ( Attachment 2 ) They weren't forthcoming with any information even after in person visits or through phone conversations. Since XXXX XXXX. However, I could still review my accounts online. 
Suddenly, my online balance, went to {$0.00} and showed withdrawal. ( Attachment 3 ) Again I visited a Branch in person to find out where my money was, who did the withdrawal. The Bank provided numerous and different places my balance money was sent to. the bank claimed my money was sent to Secret Service, FBI, IRS and finally SBA. No agency had a report of the money. 
On XXXX I received a Letter dated XXXX that the Bank CLOSED my account and WOULD BE SENDING CASHIER 'S CHECK. ( Attachment 4 ) As of XXXX NO CASHIER '' S CHECK has arrived. I have contacted Bank on several occasions and again been told- " It was sent to SBA '' however, SBA hasn't received any CHECKS from the Bank . 
CAPITAL ONE BANK HAS BASICALLY STOLEN MY MONEY! I tried filing a Police Report for my money but XXXX County Sheriff Office refuses to write it up. 
RESOLUTION BE PROVIDED MY {$14000.00}. STOP THE ABUSE/THEFT FROM THIS BANK.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
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:
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 U.S.C 1681. 

XXXX XXXX, Account number XXXX, has violated my rights. 

XXXX XXXX XXXX, Account number XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, has violated my rights. 

XXXX XXXX, Account number XXXX, has violated my rights. 

15 U.S.C 1681 Section 604A states that I have a right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 or any other adverse item of information, other than records of conviction 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 have reasonable cause to believe that the information is inaccurate.

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 2017-11-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I have tried about 10times already to remove inquiries that was not authorized by me or I was aware of. XXXX and XXXX have done so however TransUnion is a lost cause. I have told them they were not done by me I have called the companies each over an over but they tell me to call the bureau back to dispute since there is nothing on file on me however I have done that so many times Im sick of it already. Please remove these inquiries : 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 SYXXXXCB 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 2020-06-17
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:
I pulled my credit to myself for the first time and I have derogatory items are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTERXXXX BANKRUPTCY DISCHARGED 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 2023-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc

Complaint:
I usually transfer money from my XXXX account to my Chime account, only so I could use the Credit Builder account, their Checking and Savings are not really that relevant, but I still fund it. Today XX/XX/2023 I transfer {$9.00} from my XXXX to Chime. I received the funds in my Chime savings account and then transferred them to my Credit Builder account. A few hours later I noticed a sale on a website and they had some merchandise I wanted to purchase..I only had {$51.00} in my Credit Builders account which was not enough, so obviously, I needed to transfer more money from my Chime Checking account to the Credit Builders for my purchase. Went to the Transfer option only to get a glitch when I click on the 'Transfer ' button, for 3 minutes I am tapping the button and nothing is transferring, I closed the app and open it and still tapped the button and nothing is transferring. I decided to uninstall the app and reinstall the app to see if that would fix the glitch/bug. Now the problem is that I usually sign in to my account with my finger or passcode, except when you reinstall the app you must retype in your password. I totally forgot what password I used and my XXXX saved option that automatically pastes the info was not updated so it pasted the old password and I kept trying over and over thinking about what the password was. Anyway I reset the password thinking that would help, wrong, upon resetting it, I was hit with a verification check that Chime needed me to take photos and pictures of my ID card, now mind you I've already done that prior with a similar issue and they have my information on file with my state ID and pictures that is not even expired. I called in and spoke to someone who referred the case to upper management. The numbskull that works for Chime sent me an email saying to follow the info on the app to take pictures and my ID.. I'm not taking anything because they have all my info already, i sent a very vulgar reply back to them because it's nonsense they are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$5800.00}

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 2022-08-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Oliver Adjustment Co.

Complaint:
I received several letters in the mail inquiring on medical debt owed. There was not enough information on the statements verifying that these were accurate. Attached are the reference numbers and amounts owed with dates. I started a new job on XX/XX/XXXX and there was a lapse in my insurance. I found out I was XXXX  and got several XXXXXXXX XXXX done, but those were paid. I had to get emergency XXXX on XX/XX/XXXX and I believe the {$510.00} bill is part of that but I am set up with an automatic debit of {$44.00} for that. I also have a {$7000.00} bill through XXXX XXXX for the remaining costs of the XXXX and am set up with an automated debit of $ XXXX. 
. 
Reference XXXX XXXX XXXX XX/XX/XXXX {$190.00} ( I was fully covered under my insurance through XXXX in XX/XX/XXXX ). 
Reference XXXX XXXX XXXX XXXX XX/XX/XXXX {$56.00} ( I believe these were XXXX XXXX XXXX and these were all paid ) Reference XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$37.00} ( I believe these were XXXX XXXX XXXX and these were all paid ) Reference XXXX XXXX XXXX XXXX  XX/XX/XXXX {$24.00} ( I believe these were XXXX XXXX XXXX and these were all paid ) Reference XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX {$33.00} ( I believe these were XXXX XXXX XXXX and these were all paid ) Reference XXXX XXXX XXXX XXXX XX/XX/XXXX {$510.00} ( If this is through XXXX I have applied for the financial assistance program through the XXXX XXXX and they agreed to pay 60 % of the bill. An automated debit comes out of my account on the XXXX of every month for {$44.00} ).

Company response to consumer: Closed with explanation