hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2017-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RoundPoint Mortgage Servicing LLC

Complaint:
I 'm currently in the XXXX XXXX and during the last 2 years, I was mobilized twice. My auto-payments were going on-time, but due to a technical glitch, my bank sent me a letter to physically contact the recipient and send the payment, but I was on XXXX and never got the letter. Though I had the money and gave it when I returned, they reported a 30 and 60 day late payment. After talking with a representative of the XXXX, I was told I could have those two late payments removed, as per the law, but I have not been able to do so. I was overseas. Now I 'm unable to get a Home Equity loan or refinance my home. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
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:
XX/XX/2021, I made a report to CFPB about Credit Bureau Equifax not following company guideline, by failing to delete inquiries that was on my credit report after receiving proof that they deleted it. In the report their response was the item will be deleted. On XX/XX/2021, I called Equifax to ask why the inquiries wasn't deleted. their response was rude and stated there is nothing that can be done. Down below I added documents of my proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
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: Experian Information Solutions Inc.

Complaint:
I didn't apply for these accounts these accounts are fraudulent and I would like them removed.

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 2023-01-28
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:
Late Payment Removal In accordance with the FCRA XXXX XXXX and XXXX XXXX XXXX has violated my consumer rights. 
15 U.S.C. 1681 Section 602 ( a ) states I reserve the right to privacy 15 U.S.C. 1681Section 604 ( a ) states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1666b states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose Resolution box Please remove this late payments from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
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: Experian Information Solutions Inc.

Complaint:
I was a victim of identity theft and I notified the company involved. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Acct # : XXXX AcctID # XXXX ) I asked for them to provide me with documentation that validates this debt and establish ownership : such as a signed application, identifying documentation provided at the time the account was opened. They sent me a billing statement, nothing else. I requested either they validate the debt or remove it from my credit report also that they notify the credit bureaus 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 explanation
Consumer complaint received 2021-01-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC

Complaint:
Dispute was submitted to collection company on XX/XX/2020 for outstanding balance {$280.00}. XXXX XXXX has failed to remove account. Dispute was submitted to collection company on XX/XX/2020 for outstanding balance of {$1800.00}. XXXX XXXX XXXX  has failed to remove account. Dispute was submitted to collection company on XX/XX/2020 for outstanding balance $ XXXXPhoenix Financial Services has failed to respond. These charges are fraudulent, I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION

Complaint:
Navy federal credit union has two of my closes accounts. Credit card and closed car loan amount. My phone number is blocked in there system and determined i am NOT allowed to dicuss settling these accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
This business was contacting me regarding an old debt from XXXX XXXX. I had communication with them in XXXX regarding the account and was told it was perged and would not be reporting. I think got XXXX XXXX to delete it. Now in XXXX they reported to all three credit bureaus and have prevented me from getting a mortgage I worked the last year and a half for. I 've tried to contact them but every employee tells me something different. They call my work, my parents house ... It is basically ruining my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
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 have on 3 occasions reached out to Transunion, XXXX, AND XXXX  and asked for them to investigate an item on my bureau. The item in Question is a XXXX  account # XXXX. They responded to me the first two times and the third time I didn't receive a response at all. My issue is that there are three separate date last active showing up for this account.This is a violation of FCRA because they are re-aging my account by almost a year. They say they have investigated. I have asked how and what method they used to investigate, and their answer is just " been verified ''. I need help on removing this information or getting it corrected.

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 2021-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.

Complaint:
I have 2 addresses that were never mine reporting to my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 2019-11-21
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:
XXXX XXXX/XXXX XXXX  # XXXX is reporting a collection on my account that I never received any notice of. I currently have XXXX XXXX and I was never sent anything letting me know the account was going to go to collection, I only found out about it when I checked my credit. This is in violation of my 30 day right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
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: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 30 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY

Complaint:
Im having a issue with my TD Bank business account, the ban are now put a alart or hold on the account so that im unable to do any withdrawals or make any kinds of transactions or payment, please remove the alart or any hold immediately, and please contact me at XXXX or XXXX if you have any questions or email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied Collection Services, Inc. (Nevada)

Complaint:
On XX/XX/XXXX, I sent a certified letter to Allied Collection Services , Inc., ( ACSI ) regarding an alleged debt that I owe. I did not recognize the debt. Pursuant to the FDCPA Section 809, I requested that they send me a written validation of the debt. A little over a week later, I received a letter stating they have contacted their client and they have confirmed the name and address listed on the above account. However, the correspondence date is dated XX/XX/XXXX and the date of the letter is XX/XX/XXXX BUT it 's post marked XX/XX/XXXX. How did they validate my name and address prior to me requesting a written validation of the debt??? I still have never received the written validation. In addition, Allied Collection Services , Inc., ( ACSI ) has reported this alleged debt to the credit bureaus without allowing me the opportunity to dispute the debt or providing evidence that they are the legal owners of the 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 2017-11-20
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: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I received alerts on my credit reports that XXXX has pulled my credit. I notified XXXX that i did NOT apply for credit with them. I was informed that this would be cleared up. Surprisingly a week later i received a card in the mail from Capital One which I did NOT activate. I cut the card up and mailed it to Capital One along with a letter explaining that my ID had been compromised and that Capital One needs to remove the inquiry from my reports. 

Unfortunately, I received a credit alert on my monitoring service that a NEW Account has been added to my credit reports by Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
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: AMERICAN ADVISORS GROUP

Complaint:
My XXXX  Report reflects AAG pulled my credit. My XXXX  Report reflects the company AAG hired, XXXX XXXX pulled my report for AAG. So who pulled my report ; AAG or XXXX XXXX or both? I request copy of report. AAG claims they properly pulled by report. AAG claims they had permissible permission to access credit report because of taped phone conversation. FCRA Section 604 ( a ) allows a verbal in ( 3 ) as stated " To a person which it has reason to believe ''. Who is this person at AAG?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint:
I have recently gotten off the phone with you all about the account on my profile .Explained numerous times that this is being fraudulently reported on my consumer report and must be legally removed based on the FCRA rights and under the 15 US Code 1681b- Permissible Purposes of consumer reports. You have violated 15 USC 1681B ( 2 ) ( A ) ( i ) ( ii ) ( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

I did not give my written consent for you to present this out to the public being my consumer report please remove this account from 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 2021-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.

Complaint:
The consumer attempted to extend themselves credit through XXXX XXXX XXXX. On XX/XX/2021 the consumer was denied because of color violating 15 usc 1691. XXXX XXXX XXXX admitted that Equifax Information Services helped them come to that decision. I have never consented to Equifax Information Services sharing my information pursuant 15 usc 1681b ( a ) ( 2 ). This is a written demand to ceo XXXX XXXX, cfo XXXX XXXX, and whoever else it may concern including Equifax Information Services to cease and desist. If there is a inquiry or adverse action on the consumer report, block and delete it now or a criminal complaint will be filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Sound Collection Services

Complaint:
I called collection agency and explained to them I filed Bankruptcy. This debt was signed off by a judge on XXXX XXXX Can you please take this on my credit history etc I am having a hard time trying to apply for a rental and this is impacting my credit history and future renting. The employer assured me she would take it off my credit report. I called in XX/XX/XXXX, I waited 6 months and called again. I am so frustrated I cant even rent an apartment because of this. 
XXXX XXXX XXXX XXXX XXXX update XXXX, XXXX XXXX of a total {$4500.00} I am so stressed my kids and are going to be homeless!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.

Complaint:
got a letter from i. c. system inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX saying I owed XXXX XXXX  {$9500.00} checked with XXXX  about this by phone and they said that the letter was a fraud and should be reported to the police to get a case # and then send that to XXXX. I call XXXX they said they don't take complaint numbers unless money is lost. Since I paid nothing they referred me to you to get a report number to send to XXXX from the FTC.

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 2022-10-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
I recently purchased my credit report as I am trying to prepare to purchase a home and notice this company reporting a supposed collection account from XXXX XXXX. I have never entered an agreement with Portfolio Recovery and do not owe them anything. I demand that they cease and desist communicating with me and provide proof that this alleged debt is valid. I demand to see the agreement between XXXX XXXX and portfolio giving them authority to collect this supposed debt. I also want a contract with my wet signature confirming I have a legal obligation to pay Portfolio. They can also include the contract with my wet signature showing an obligation to XXXX XXXX. I am entitled to know if they were any insurance claims made by the alleged creditor about this account and if there are any judgements regarding it. If so I demand to see sufficient proof of service. On top of this, XXXX is reporting all different information to the bureaus. I assure you my disputes were not resolved because I did not validate this alleged debt. XXXX XXXX allegedly charged this debt off and I have not received a 1099-C for their write off!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09
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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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 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

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 2021-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
I transferred money into my Bank of America current account on XX/XX/XXXX. My account cycle closes on XX/XX/XXXX. Bank of America held back those funds and cleared them on XX/XX/XXXX, a day after the close and charged me a {$12.00} maintenance fee. When I called to inquire, they said it was a clearing issue and refused to refund the money to me. I want my money back.

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 2023-05-15
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:
This is my fourth attempts to tell you that I am a victim of identity theft and I complain some specific records in my document that came about as erroneous. The records I am questioning are all inaccurate informations. No one cares about it, delete the inaccurate of any information in my credit record that came about due to an alleged fraud. These are the items that seems to be an error on my file that needs to remove : 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 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 non-monetary relief