hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2017-07-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stellar Recovery, Inc.

Complaint:
I signed up for a specific XXXX XXXX cable service many years ago. In order to receive this service I needed a specific cable box. The cable box took three months to arrive at my property and was told repeatedly by their customer service agents that may account would be credited for the charges up to when I received the cable box. I did not pay the charges because I was suspicious that I would actually receive the credit. When the cable box finally arrived my account was not credited ( attempting to get the credit was a long and excruciating process as well. XXXX was very rude, and it took multiple hours of my time ). This debt was actually posted on my credit report, and I disputed it through the credit reporting agencies. The debt was then removed from my credit report. However, XXXX continues to provide my information to debt collectors to attempt to collect this debt.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LFG Data Services Holdings, LP

Complaint:
Recently I found an incorrect Bankruptcy record reporting on my credit file. I filed a dispute in writing and went a step further and contacted the Bankruptcy court of record in an attempt to sort out this error. I was referred by the clerks to the XXXX XXXX XXXX XXXX for XXXX XXXX XXXX for XXXX XXXX, whom I contacted several weeks ago. Last week I received a letter from your firm informing me that the Bankruptcy information was verified. Now, Today I received a call from an XXXX in the XXXX XXXX XXXX XXXX, who informs me that the information YOU have verified as accurate was INCORRECT. 
Based on the information provided by the investigator it appears that YOUR firm never contacted the Bankruptcy court, never verified or validated the information disputed and is in violation of the FCRA. Since it now appears quite clear that your VERIFICATION is erroneous and you NEVER contacted the Bankruptcy court in the first place, I am making a direct demand under 15 U.S.C.A. 1692g ( b ), that your firm provide the following VALIDATION of information regarding HOW and WHAT you are reporting on my credit report in regards to this erroneous Bankruptcy.

Please supply the information below so that I can be fully informed : The name and address of the Court Clerks office contacted for verification.

The Phone and Fax numbers of the Individual or Department from whom you obtained this information.

Provide standard procedure for verification and validation of disputes filed under the FDCPA and FCRA.

Provide me with a COPY of the information that this Court of Record has provided to YOU in regards to this erroneous verification of the disputed Bankruptcy.

You have 5 days to acknowledge in WRITING the receipt of this 15 U.S.C.A.

1692g ( b ) dispute and 30 days to provide the information requested above.

If you can not or choose not to pursue this matter, provide me with a written notice of ITEM DELETION of the Bankruptcy Record in question within the next 14 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Law Office of Michael J. Scott, PC

Complaint:
I set up a payment arrangement in XXXX the day I was served with paperwork stating that I was being sued. I have successfully made XXXX of my XXXX payments with the last payment being due on XX/XX/2022 I have contacted this company several times regarding the default hearing date that I received as I have been on a payment arrangement since XXXX and have requested to speak to someone in the legal department and my request have been denied. I contacted the courts this morning after being informed that a continuance was requested on XX/XX/2022 after my initial complaint regarding this letter. the agent confirmed that the payment arrangement was to prevent a judgement hearing which is what I was informed at the time of setting up the arrangement both can be confirmed on the companies recorded calls. I reached out to the courts this morning and they have no record of a pending continuance case. at this point if I am required to take off of work on XX/XX/2022 I am demanding that my time off work be compensated as well as the file be dismissed because I have done my part however this company has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-09-12
Product: Credit reporting 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:
My name is 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 non-monetary relief
Consumer complaint received 2021-10-18
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Lakeside Recovery Solutions

Complaint:
This man called my brother in another state, XXXX XXXX in Oregon, I am in California and have a current phone number in my credit. pretending to have an appointment with me in regards to a company that he didnt represent. This caused me undo hardship in having my personal issues divulge to my brothers judgment. 

This person than threaten legal action saying he was an attorney when I called to speak with him I arranged payment out of fear. He charged my account XX/XX/2021, and I still dont know really if Im liable for this amount, he did have my credit and information. I asked him to call me, several times after the first interaction, but could not. The amount taken wasnt agreed upon, I dont know if they are going to continue to harass me or my relations

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
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: Winklevoss Exchange LLC

Complaint:
I currently have a Gemini Credit card ( XXXX ) which is from New York they are also a crypto exchange. On XX/XX/2023 I made a purchase ( {$2000.00} ) with XXXX XXXX through there vacation/travel division they also use to offer hotel deal to passengers that are flying with them as well. The purchase was for hotel stay with the XXXX XXXX in XXXX XXXX Nevada. for XX/XX/2023. I stayed at the hotel up to XX/XX/2023 due to the fact i became sick because there was toxic chemical on the entire floor. The XXXX made a comment that there was a painting convention here and perhaps were painting in there rooms and she noted all windows are sealed so maybe the chemical smell was coming from the doors. 

In any case I checked out of the XXXX XXXX and asked for them to send me a itemized bill which they did. The TOTAL amount of my stay was ( {$1100.00} ) which they sent me a copy of. They mention this is what they bill XXXX Vacations ( XXXX XXXX ). After I seen that XXXX vacation still owe me money ( {$2000.00} ) this I opened up a dispute with Gemini Credit Card dispute department and waited patiently. Keep in mind i have sent them emails and called them live at XXXX. The customer service person that answer the calls NEVER let you EVER talk with the credit card dispute department it is always them ( ESCALATING THE CASE ) the phrase they use many times which result in no reply 's. 

Finally after months i received a email from Gemini Support saying they have ruled in the merchants favor and i would be getting a reason why in the mail XXXX to 10 days. I waited 13 days before calling them stating i NEVER received anything in the mail from them. 

Then to my surprise the rep on the phone stated the {$2000.00} amount was NEVER investigated only the {$100.00} from the PLAZA was investigated and closed out. 

Again EVERY time i call they always say the SAME thing we will ESCALATE THIS. 
As of today XXXX writing XX/XX/2023 I NEVER received any letter from Gemini or any emails for additional information. I explained to them in emails that I will sue XXXX in civil court and need ALL information regarding my dispute if i deiced to go the civil court course and they DO NOT REPLY. 

I never been treated so unprofessional in my life with ANY credit card company just asking for basic information. I plan on writing to master card later to ask them to consider to revoke there right to use there credit card of the horrible customer service they are doing and things i mentioned above.. 

I have copies of my hotel stay at the PLAZA and a copy of my {$2000.00} charge from my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY

Complaint:
Credit card dispute denial although the transaction was a fraudulent by merchant

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 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.

Complaint:
Wanted to lower my payments ... they said I had to default on the lones if I want to lower my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
please be advised, Ive been a victim for identity theft. Ive seen a number of fraudulent things on my credit report. 
XXXX XXXX  ( XXXX  ) Whom Ive never done business with or entered into a signed contract. This account is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.

Complaint:
I am writing to request the removal of an account from my credit report with Experian and XXXX. I have recently discovered that this account has been successfully removed from my credit report with XXXX XXXX XXXX, as evidenced by the attached documentation. 

Account Details : Creditor Name : XXXX XXXX Account Number : XXXX Collection Account Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Account Number : XXXX Collection Account Date : XX/XX/XXXX It is imperative that Experian and XXXX update my credit report accordingly to reflect this accurate information. The presence of this account on my credit report is misleading and can negatively impact my creditworthiness.

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 2020-05-29
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 contacted all 3 agencies and let them know I experienced identity theft with one account beginning XX/XX/2018. At first, they said the item was valid and then no response in other attempts. I have used this portal and mailed them letters, I also called them. I have attached my most recent letter to this complaint.

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 2018-11-27
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: Experian Information Solutions Inc.

Complaint:
Upon investigation of my credit reports I ran across the following unauthorized inquiries. I have already disputed the inquiries and XXXX, Experian and XXXX stated that the inquiries were validated despite me sending in identity theft report. I did not authorize or make the following inquiries please remove from my credit reports : Experian XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX F XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX CARD SERVICE XX/XX/XXXX 2018

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 2023-06-15
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 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

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 2023-06-30
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:
This is my 15th 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 an 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

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 2019-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE

Complaint:
I APPLIED ONLINE FOR THE " XXXX XXXX  XXXX '' CREDIT CARD, WITH A $ {$99.00} ANNUAL FEE. I HAD A FOLLOW UP PHONE CALL WITH BARCLAYS BANK WHEN THE FEMALE CUSTOMER SERVICE AGENT RAN MY CREDIT REPORT WHILE I WAS ON THE PHONE, RESULT WAS XXXX, SHE IMMEDIATELY APPROVED ME FOR A CARD, {$25000.00} CREDIT LIMIT. I ASKED IF WE CAN LOWER THAT TO {$5000.00}, SINCE I AM GETTING THE CARD FOR THE XXXX  XXXX XXXX  BENEFITS, SHE AGREED AND LOWERED IT. I RECEIVED IN THE MAIL A " XXXX   XXXX '' CARD, NOT THE " PLUS '' CARD, WHICH DOES NOT HAVE MANY JET BLUE AIRLINE BENEFITS ASSOCIATED WITH IT. I HAVE MADE NUMEROUS ATTEMPTS WITH BARLCAYS BANK TO RECTIFY THIS ISSUE, THEY CLAIM I APPLIED FOR THE JET BLUE CARD, AND NOT THE JET BLUE PLUS CARD, WHICH IS NOT TRUE AT ALL. I AM TOLD I WOULD HAVE TO REAPPLY, AND HAVE MY CREDIT RAN ONCE AGAIN, WHICH IN TURN WILL LOWER MY IMPECCABLE CREDIT SCORE. SO, NOW I HAVE A CREDIT CARD THAT I NEVER APPLIED FOR.

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 2023-02-28
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:
IN ACCORDANCE WITH THE FAIR CREDIT ACT XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I received an auto loan through XXXX XXXX XXXX XXXX in XX/XX/XXXX and consistently made my payments on time. During this time I went through numerous health issues, surgeries and financial hardships but still maintained my obligation of consistent payments. 



On XX/XX/XXXX I purchased a new vehicle from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX   was contacted regarding a 10 day payoff amount. XX/XX/XXXX per the attached check XXXX XXXX received final payment for my loan. I called XXXX XXXX XXXX XXXX XX/XX/XXXX to confirm receipt of the funds and was told on numerous occasions that the check was not yet received ; in speaking to the representative I was informed that I would not receive a late payment reporting on my credit report because the check should be processed by end of month. 



I thought nothing else of it because on XX/XX/XXXX I received an email informing me my auto account was paid in full, however on XX/XX/XXXX via my credit monitoring service I was notified that my now closed XXXX XXXX XXXX XXXX account was reported as 30 days late which dropped my credit score by nearly 100 points. I was reported 30 days late on XX/XX/XXXX the same day the loan was paid off. 



I am requesting that this late payment be removed from my credit file as it has significantly affected my credit record and payment was received prior to me being 30 days late and the end of the month which I was told by numerous representatives is the reporting day. I am purchasing a home in XXXX and this negative item could render that impossible, cancel my pre-approval and cause detriment in other credit areas. I have spent years working two jobs, sacrificing and paying off debt to rebuild my credit history only to have my score I raised from XXXX to over 700 diminished by this derogatory item.

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 2021-12-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY

Complaint:
Wells Fargo opened a fraudulent checking account in my name. Wells Fargo has confirmed this was opened, but will not confirm if the account has been closed. I have provided them emails showing where the account was opened online at XXXX am and how the person then tried to change the email on the account to a different email address. I just want them to close the account and not waste anymore of my time with fraud occurring in my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-22
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:
On XX/XX/2020 I sent a letter of validation to all 3 credit bureaus and the furnisher ( XXXX XXXX ). Neither XXXX  nor XXXX   could validate this account and has since removed the account but TRANSUNION and XXXX XXXX XXXX XXXX continue to post this account.XXXX XXXX did not respond to my request but I received a letter from TransUnion stating it was verified. How could 2/3 credit bureaus not validate the account but TransUnion reports that they did validate the account without cooperation from the furnisher

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 2020-03-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation

Complaint:
This account was a result of identity theft. I have never paid this company any money and it is reporting on my credit report as paid. I spoke with the original creditor and we were upon an agreement. We were in the process of purchasing property and decided to pay it with the original creditor not to Penn Credit as they are reporting. I do not live at the address where this took place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation