hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-05-09
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: Experian Information Solutions Inc.

Complaint:
I filed a complaint regarding the fraud information on my consumer report. I referenced U.S. Code 1681c2 - Block of information resulting from identity theft Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 BUSINESS DAYS after the date of receipt by such agency. As of XX/XX/2023 the information remains on my report.

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 2020-07-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2019-02-13
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: EQUIFAX, INC.

Complaint:
I received a copy of my credit report and there is an account with XXXX XXXX XXXX  showing. I haven't had XXXX XXXX credit card for over 10 years. This account is showing it opened in XX/XX/XXXX and I know for a fact I did not open an account with this company then. The one I did have was actually included in a very old Bankruptcy back in XX/XX/XXXX I believe. What I know for sure is this one showing XXXX is not one I opened, used or know anything about.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc

Complaint:
XXXX XXXX XXXX XXXX first charged my account on XX/XX/2022, for {$200.00} ( unauthorized payment ), I contacted XXXX XXXX-Chime reported the issue and was granted a provisional credit on XX/XX/XXXX for {$200.00}. On XX/XX/2022, again for a second time XXXX XXXX XXXX XXXX utilized my stored debit card numbers to take {$200.00} ( unauthorized payment ), I again contacted XXXX XXXXChime. They suggested that I contact the merchant ( XXXX XXXX XXXX XXXX ), I did speak with the business Manager who confirmed that I wasn't in the system as a client receiving services. She continued to say XXXX XXXX XXXX XXXX had a new system for billing, she suggested that I contact Chime to see what Chime could do on its end because she stated, she couldn't see in her system where I was being billed. 

I spoke at length with the Chime representative about this matter and asked that they block or whatever needed to be done to keep this business from having access to my checking account. 

Again on XX/XX/2022, for a third time XXXX XXXX XXXX XXXX again utilized my stored debit card information and took {$200.00} ( unauthorized payment ). I reported the transaction as soon as it had cleared ( Monday XX/XX/2022 ). I received an email from XXXX Bank-Chime on XX/XX/2022, stating that my dispute of the charges was denied and that I needed to provide additional proof that this was fraud ( police report, Hospitalization/Incarceration Records Proof of Location ( such as time sheets, GPS, flight records, travel receipts, hotel booking information ). 

XXXX XXXXChime allowed this business access to my banking information/account to access funds when I really needed them, causing extreme financial problems for me. It wasn't until the third time that I reported this situtation involving the same company, that Chime sent me an email saying through investigation they had determined my account had been compromised and my card was cancelled and a new card sent out to me. XXXX XXXX  then for retaliatory and unethical reasons refused to return my funds and put forth impossible hurdles for me to have my money returned to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
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:
XXXX XXXX has repeatedly provided misinformation on my credit report over the course of the last 12 months. 
- XX/XX/XXXX flagged as past due 30 days - incorrect as there was no payment owing - XX/XX/XXXX reported i owed {$5600.00} which was false and an incorrect amount- XX/XX/XXXX flagged a 30 Days past due requesting {$1000.00} x 12 payments per month ( {$13000.00} ) which is an incorrect amount and an attempt to collect an amount over 2x any outstanding balance- XXXX XXXX reported as 30 days past due. ( payment was made before the XXXX XXXX ) The lease agreement states the payments are due on the XXXX of each month so therefore any payment made on or before the XXXX of the following month is indeed within 30 days. 

I have attached the agreement and the log of payments which I agreed during the Covid 19 pandemic i would be making the following month before the 30 days past due mark. 

I have reached out to XXXX Corporate complaints and Collections and Customer Service whom have openly admitted on recorded phone calls that the payments for {$1000.00} were incorrect yet they still insist they will not remove the account. 

This has been escalated by XXXX to her superior XXXX XXXX - Assistant VP of Consumer Complaints Compliance on the XXXX XXXX whom has been unable to investigate satisfactorily so therefore this needs to be escalated. I am not convinced on the legitimacy of the investigation as they show no clear understanding of the issue of any real attempt to resolve.

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 2021-02-27
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: JPMORGAN CHASE & CO.

Complaint:
This happens every time. I have never had a worse credit card company. The latest is a XXXX movie rental that I returned. XXXX charged me {$37.00}! First of all, I rented 4 movies. Why would I just not return one? If I wanted to buy a movie it would be special. I have bought 2 movies in my life and I am XXXX XXXX XXXX. I filed a dispute for the charge and my Chase Sapphire Preferred credit card sent a letter dated the XXXX of XXXX. It said a response was needed by the XXXX. This was in my mail box on the XXXX. I picked it up today. Again, every time I have filed a dispute they have done something similar and I'm sick if it. I bank with Chase and have their accounts only because I live part time in XXXX and don't have to pay all the foreign fees. That is the only reason. I have never experienced a worse financial institution!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

-- Company or Organization : COLLECTION Date fraud began : XX/XX/2023 Date that I discovered XXXX XXXX fraudulent amount {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint:
I kindly request that you promptly remove this inquiry from my credit report. I appreciate your immediate attention to this matter.

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 2017-12-01
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:
Hello, It seems that some mortgage companies have been " inquiry happy '' and have been pulling hard inquiries every month! 

I have XXXX hrad inquiries from " XXXX '' for dates of XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX I also have XXXX hard inquiries from XXXX XXXX XXXX on XX/XX/XXXX ; and XX/XX/XXXX. 

I have sent multiple letters to these folks and have not received ANY response. 

Could you please force them to remove these hard inquiries from my credit report? 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC

Complaint:
On XXXX XXXX, 2016 a final payment was authorized and paid on my XXXX account. The debt was settled and I authorized no other payment, letters are attached stating the arrangements. On XXXX XXXX, 2016 RPM illegally debited my checking account in the amount of {$470.00}, this account was paid in full per there settlement offer.

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 2020-10-27
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: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
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 sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, IL 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 2018-05-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.

Complaint:
On XX/XX/XXXX I received a written communication from IC Systems in XXXX. XXXX MN offering to settle a debt for 25 % of the balance owed. The account is on behalf of my son and I am the individual financially responsible. The written correspondence came directly from the company and stated the percentage amount and amount to be payed to settle the debt completely. I contacted the company on the morning of XX/XX/XXXX and spoke with an individual stating I could pay the amount via their online payment center. I paid the amount stated in the correspondence received from IC Systems to settle the debt in it's entirety on XX/XX/XXXX. I then contacted IC Systems to confirm receipt of the online payment. They confirmed, however, they then said that the offer sent dated XX/XX/XXXX offering to settle the debt for 25 % / {$480.00} was incorrect and that additional money was owed. I stated that I had talked with someone that morning, and that was never stated. Also, I was in receipt of the unsolicited offer from them, with the specific percentage and the amount owed to settle the debt. I also stated that I paid that amount based on their unsolicited offer to settle the debt in full. The individual would only state that the letter was sent in error.

They then sent a letter dated XX/XX/XXXX - 3 days after I paid the amount in the original offer and having talked with a second IC Systems representative - stating the original letter was sent in error. The second correspondence was extremely brief and did not provide nearly the same detail as the first letter and was clearly written in response to my phone call.

I feel this is fraudulent. I am in receipt of t he original letter sent by IC Systems offering the settlement and I have my receipt showing that amount paid in full. They are now attempting to say that the original offer was invalid, although they accepted payment. I did not solicit the original offer and I feel they engaged in fraudulent and misleading practices and should be expected to honor the original offer they sent, that was paid - again, per their written offer.

The debt was settled based on their offer and should be honored. To come back after the fact should be considered fraudulent and harassment.

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 2020-07-03
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 am writing because I do not recognize certain items on my credit report. The accounts are listed below. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them. 

For some, I recognize the names that are listed as original creditor, but I dont understand how I could owe so much as I dont recall ever having gotten so much 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 2020-09-24
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$22000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my 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 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:
I submitted information to XXXX XXXX XXXX XXXX XXXX XXXX ) involving an account that they are reporting on my credit file. After review of the information, they agreed to remove the account from all reports. XX/XX/XXXX and XX/XX/XXXX XXXX and others ) removed the account immediately. After dispute, Equifax still would not remove the account. I have re-confirmed with XXXX that they are no longer reporting this and agreed to remove it. This means that Equifax reported by wire and mail that they fraudulently investigated this account and provided fraudulent results that XXXX has refuted - in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
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: OPORTUN FINANCIAL CORPORATION

Complaint:
In accordance with the fair credit reporting act Oportun have violated my rights as a consumer. The rights that have been violated are as follows : 15 USC 1681 sec. 602a states that I have the right to privacy 15 USC 1692 C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 USC 1681 section 604a section 2 states that a credit reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.

Complaint:
I went to the emergency room and was fully covered with my insurance, but someone stole my information and got service fraudulantly ...

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 2023-03-23
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-04-03
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp.

Complaint:
Absolute Solution has harassed me by calling my employment and home on a complaint between myself and XXXX XXXX on a lease of 2008. The vehicle was towed around or on the end of the lease to the dealer located on XXXX XXXX in XXXX, the building is no longer there. The towing or any repairs to the vehicle was had insurance coverage ( 6 ) six months after the towing.

Dispatch cleared the car for return and I owned nothing on the lease and never missed a paymen
t or was late. However, a few months ( after the 6-month coverage ) I received a call regarding damages to the bumper. I protested this claim as the leasing company should have a made claim prior to my cancellation of the XXXX XXXX. I never heard back from XXXX. 

This debt is over XXXX XXXX XXXX and without supporting document ( which Absolute has not presented ) I contest that I owe NO MONIES. XXXX is the only credit reporting agency that will not clear this debt from my report. I am sure there is a period of time in which the debt should be deleted and XXXX has far exceeded that time limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
Overdraft fees are outrageous. For the most part my account is positive. I wish that it would reflect that on XXXX XXXX. I should n't be charged for using the ATM.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-02
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 have disputed the late payments on the accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this 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, Chapter XXXX Bankruptcy 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