hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2019-05-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.

Complaint:
I had utilities thru my apartment that were supposed to be closed and charged to the new tenant when i moved out. I paid the final bill and the leasing office assured me that nothing else was owed and that they would transfer it to the next tenant. This obviously didn't happen but no one can tell me what the collection is for. I've called the utility company and they say nothing is owed and the collection company won't send me verification of the debt like i've asked. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
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: Experian Information Solutions Inc.

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2022-11-02
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: Experian Information Solutions Inc.

Complaint:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 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 — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc.

Complaint:
I am seeing accounts in collection that are not mine trough my credit report. Also, I have not been notify on any of 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 explanation
Consumer complaint received 2023-05-19
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, 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 following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXXXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
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 USC 1681. 

Account name XXXX XXXX XXXXXXXX of XXXX XXXX  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 following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information

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 2015-09-26
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Patient Accounting Service Center

Complaint:
XXXX XXXX XXXX did not bill my insurance. I continue to give them the information and they have it on file but never bill them. I have been sent to XXXX collection agents, XXXX and XXXX XXXX XXXX XXXX, There are XXXX medical bills for my family and they will not bill insurance. 
XXXX XXXX XXXX XXXX XXXX California

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 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 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Radius Global Solutions LLC

Complaint:
Effective XX/XX/XXXX, all medical collection debt that has been paid by the consumer in full will no longer be included on XXXX consumer credit reports. These changes precede an additional measure set to occur in the first half of XXXX, namely the removal of medical collection debt with an initial reported balance of less than {$500.00} from credit reports. 

I have a medical collection debt with an initial reported balance of less than {$500.00} being reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and RADIUS GLOBAL SOLUTIONS account number XXXX. I need to have this debt deleted from my credit reports.

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 2020-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY

Complaint:
Wells Fargo did not disburse a Bill Pay as promised by XX/XX/2020. Because of this, my account has been debited but the organization that was supposed to be paid has not yet gotten my funds. The organization has checked the mail both on XXXX XXXX and 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 2022-05-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC

Complaint:
Continue to call daily, to XXXX and XXXX I have asked for verification of the debt by email and by mail. Demanded they dont call again until I can verify this is a valid debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: 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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
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 on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XX/XX/1996 Balance : {$18000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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 2023-03-28
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 have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
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 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 ) the credit bureaus 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 XXXX  XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX Balance : {$3200.00} ; XXXX XXXX Balance : {$3100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX  XXXX Balance : {$240.00} ; XXXX XXXXXXXX Balance : {$75.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance Owed : {$170.00} XXXX XXXX Balance Owed : {$240.00} SXXXX XXXX Balance Owed : {$0.00} Late open XXXX XXXX Balance Owed : {$2800.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$1500.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$2800.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$3400.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$2100.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$3600.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$6700.00} Date Opened : XX/XX/XXXX XXXX XXXX & XXXX XXXX Balance Owed : {$6000.00} XXXX XXXX Balance Owed : {$2800.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$1100.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$2100.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$1100.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc.

Complaint:
I received a collections notice from online information services dated XX/XX/XXXX in relation to a debt they said I owe to dominion energy services in the amount of {$1200.00}. 
Their letter states that the debt was owed as of XX/XX/XXXX. I asked XXXX XXXX XXXX XXXXor debt validation and they never provided it. I also advise the agent I spoke with that I had actually received a check in the mail from XXXX XXXX dated XX/XX/XXXX in the amount of XXXX for overpayment on the account in which they said I owed a balance. The agent laughed and hung up on me. I never heard from them again but they added a collections account to my credit bureau and this is having a negative impact on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
On XX/XX/2018, i was charged {$230.00} for wrong hotel services. I checked into a hotel XXXX XXXX, when I checked in, i paid with credit card, please note, I did not see the inside of the room yet. When I went to the room, it was dirty, smelled and wreaked of urine. I walked in and immediately left the room and told the XXXX I refuse to stay here. They said I already paid, I had to stay and my money was non refundable. I left the hotel immediately and told them I would dispute the charge. I never stayed at the hotel, I checked in and immediately left the hotel premises. I want to dispute the charge, its a false charge and Bank of America needs to correct the problem. Condition under dispute is Condition 13.1, Condition 13.3, Condition 13.5, Condition 13.7 ... .. all conditions I would like to dispute the charge under.

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 2022-11-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
I received numerous emails from Bank of America. It started at XXXX on XX/XX/2022 with an email stating an online application is in progress with a confirmation number. The another email to verify my email address. Then 2 minutes later I got your application was approved. Your new account is open. Next a welcome to online and mobile banking. Your enrolled in Online banking and mobile banking. Then an email that my email address was updated. And lastly, We're confirming your contact information has been changed. Your address or phone number was changed on XX/XX/2022. I drove to the local branch to ask about all these email 's that I am receiving because I never banked with Bank of America before. Or did I open an account today on XXXX. I was an authorize user years ago on my dad 's credit card. And the name on the account was the same incorrect spelling of my XXXX name that was on a credit card long time ago. Also, I am married now so my last name is no longer exist. I am guessing Bank of America got hacked. I personally don't think someone has all my information. Bank of America confirmed that an account is open in my name under my social security number. I was giving a XXXX XXXX XXXX number to call. I have been on hold for an hour and twelve minutes to get the wrong department. Now I am on hold again. Finally got a representative who started a claim. Next step is to do a security freeze on all three credit bureau. The representative claims the account was closed.

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 2016-01-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC

Complaint:
I received a letter from this company demanding payment for a debt that is not mine. This is the XXXX debt collector that has sent me a demand for payment concerning this alleged account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affiliated Acceptance Corporation

Complaint:
I do not have a signed contract with Affiliated Acceptance Corporation and I do not owe them any money. I already contacted this company in writing twice in the last two years. I keep receiving harassing collection notices and phone calls from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Collection Management Holdings, LLC

Complaint:
After reviewing my credit report, I have identified inaccurate accounts and information that are not associated with me. I did not provide consent for any of this information to be included in my credit report, and it is significantly impacting my life. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: PNC Bank N.A.

Complaint:
I have a PNC Cash Rewards and I want to pay my bill via their online banking. 

One of the Alert options that I chose was " Payment Due '' thinking that this option is one where I get an email alert about making payment on an upcoming bill. 

However, I never received any alert on my upcoming bills. When I called them about it on XX/XX/2020, I was told that this Pa ) yment Due alert is an alert that I have missed a payment and that PNC does not have any alert of an upcoming bill! THIS IS INANE -- - WHAT IS THE POINT OF ALERTING A CUSTOMER IF THE PAYMENT WAS ALREADY DUE AND HE HAS MISSED THE PAYMENT AND PNC HAS SLAPPED A HEFTY FEE? 

I did not want a paper bill because this is not environment-friendly but because they can't alert me of an upcoming payment, I requested to be sent a paper bill so I am reminded that a bill is upcoming. This is an unforrtunate consequence of their nonsensical alert system. 

XXXX  XXXX XXXX has an alert for an upcoming payment so I don't see why PNC can not do the same. 

IT SHOULD BE A REQUIREMENT FOR BANKS THAT IF THE CUSTOMER OPTS FOR ONLINE BANKING, THEN THEY SHOULD ALERT THE CUSTOMER OF AN UPCOMIING PAYMENT, NOT A ( STUPID ) ALERT THAT THEY WERE LATE AND THAT THEY NEED TO MAKE A PAYMENT AND PAY T HEIR HEFTY FEES.. 
.

Company response to consumer: Closed with explanation