hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-06-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
KOHLS DEPARTMENT STORE is showing me 30 days late in XXXX when they said they would not. They said that because it took kohls 2 months to get the card to me. It also took two months to get three bills each a different month and when I called and shared this they assured me they would not report me late to the credit bureaus. Well the reported me late in XXXX. 

Today XXXX I found out Kohls owed me money to the sum of {$40.00}. I had to fight to get the {$40.00} returned. Kohls will keep your money and lie about not reporting you being late account their fault. I was told my refund should take 10-14 days. 

Today XX/XX/2023 I instructed KOHLS TO CLOSE THEIR THIEVING STSTEM CALLED A STORE CREDIT CARD.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation

Complaint:
I don't recall that I had a record with these authorities/loan bosses. I've requested on various occasions to send verification from proprietorship however they haven't agreed to my solicitation yet.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
The Bank of America sent me a marketing flyer for its " cash rewards '' card. I signed up. I earned {$240.00} but the bank refuses to release the money to me. It now says that it had read to my the terms of the " cash rewards '' card on the telephone and claims it stated that it takes up to five ( 5 )  business days to give me the cash rewards. The bank, with all due respect, is lying. I was never told a thing on the telephone. This is yet an other example of bank deception and it is wrong! 

The branch manager in XXXX, New Jersey, XXXX XXXX  XXXX, remained me this morning that the bank had told me this on the telephone. I emailed her that this is a lie!

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 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS

Complaint:
Please see the complaint that was sent to LexisNexis : Dear LexisNexis : I have recently looked at a copy of my credit report and see that you are still providing inaccurate information about a couple of bankruptcies that were filed. It is my understanding that this information must be reported correctly or else it must be removed. I think you are aware of this fact as well, which is why I am confused as to why this information is still being reported by YOU to the credit bureaus. I have already spoken with the courthouses that these bankruptcies were filed in, and I know that they did not provide you with this information as they explicitly stated that they don & # 39 ; t report information to anyone. 

My credit is being negatively impacted due to your neglectful reporting and I would appreciate it if you removed this bankruptcy from your system. 
As a consumer, the first violation is 15 USC 1681 ( a ) ( 4 ) - consumer rights to privacy.

You infringed upon my consumers right to privacy by obtaining this erroneous information and selling it for profit. The second violation that I notice is 15 USC 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction. Upon the many other violations, I would like to give you the opportunity to fix this situation by removing this bankruptcy from your system within 15 days. 
Failure to respond or do the right thing ( i.e. Removal ) will result in a complaint to the CFPB, FTC as well XXXX. I do know my rights and youre violating them with this inaccurate information your company is reporting. 
Thank you, XXXX XXXX Without Prejudice

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
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:
On XX/XX/2020 I sent documentations to the Bureaus for unknown and inaccurate accounts on my report its over 30 Days today but I didn't received any response. I was a victim of XXXX Data Breach. I demand to deleted those accounts or I will file a litigation.

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 2022-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I have an inquiry from XXXX XXXXXXXX XXXX in XXXX XXXX, SD on XX/XX/2022. I did not apply for credit with this bank. When I received the card I immediately called and informed them that this was fraudulent activity and I hadnt applied. They told me it would be taken care of. The hard inquiry is still showing on my TransUnion credit report as of XX/XX/2022. It appears that they only closed the the account and did not scrub the inquiry.

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 2023-07-12
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 tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with 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 2018-11-15
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: NELSON AND KENNARD

Complaint:
On XX/XX/XXXX12, XXXX XXXX, of The Law Offices of Nelson and Kennard, won a judgment against me in the amount of {$5300.00}. 

We took steps to borrow the money owed after we feared for my husband 's job, and on XX/XX/2012 we went to our bank, and sent them a wire transfer for the full amount - {$5300.00}. We have documented proof from XXXX XXXX that the transfer was completed, paying the judgment in full. 

We were instructed to call once that was complete. We did, and were informed that they would be in touch within a few days, and that we would soon have our Satisfaction of Judgement. And that it would be filed with the court, and removed from our credit. 

We have contacted them on several occasions, spoke with multiple people, left messages with superiors, and requested each time to be given a receipt, proof of payment, satisfaction of judgment, and to fulfill their end and their legal requirements. They promise to do so, but never actually do anything. 

After six years, this is still an issue. They have not acted. And we are unable to get a home loan because of it, and my credit still suffers because of it. This company seems very unconcerned with fulfilling their legal obligations, but are very quick to threaten and take advantage of people who are unaware of debt collection laws and procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Midwest Recovery Systems

Complaint:
Received phone call yesterday in regards to this. Loan was allegedly taken out in 2013, I was not residing at address mentioned in 2013. Also, I have never heard of a company reporting to a credit bureau after stating account would not be placed with credit bureaus. Second, this account if legit, is beyond the statue of limitations for the state of MaineXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
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 have continuously been disputing with XXXX, Equifax & XXXX, information that continues to be reported incorrectly causing severe damage to my credit. All 3 bureaus knowingly and negligently continue to report negative information on 4 accounts that I have many times informed them and provided proof that these accounts have been either paid in full or settled in full so therefore should no longer be on my credit report nor should they reporting negatively and they continue to report negatively. The following accounts are the accounts in reference. XXXX # XXXX was sent to court and PAID IN FULL IN THE AMOUNT {$910.00}, and the others have been SETTLED IN FULL XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX. I have been fighting them for 3 years now and they are refusing to remove. Per the FCRA 15 U.S.C. 1681s-2 ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 
( B ) Reporting information after notice and confirmation of errors. 
A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. Also in [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. I continue to provide the necessary proof and they continue to ignore and report negatively violating my consumer rights as well as providing information that was never authorized by me to provide to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2022-09-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance Corp.

Complaint:
COMPENY HAS FILE TO CORECT A REPORTING PROBLEM TO CREDIT REPORTING ANGENCIES

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2022-05-14
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: EQUIFAX, INC.

Complaint:
The credit companies are not complying with their own policies in a timely manner. I disputed these items on XX/XX/2022 and I have not gotten any response from the credit bureaus about this issue. I want the items removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ORG GC GP Buyer, LLC

Complaint:
On XXXX, I had received an alert through my credit monitoring that there was a new collection account reported. I immediately checked on this alert to find that a collection with an open date of XX/XX/2021 reported to all three credit bureaus for the first time. This came as a shock to me for several reasons. I've been in the process of purchasing a newly built home and have opened each and every piece of mail I've received since going under contract at the beginning of the year. I also am signed up with informed delivery through the XXXX which provides me with a daily scanned image of what's being delivered in my mailbox each day. I immediately knew this was going to be a financial and emotional challenge since my loan officer needed to update my final credit report to close on my home. The new collection has now disqualified me for the program I qualified for in which I could afford. This is turn has jeopardized my XXXX deposit on hand with the new home builder and placed me in a position where my child and I dont have a place to move to since my current rental has already been rented out. I had contacted XXXX directly to inquire on the debt. The only correct piece of information that they had for my account was my name. Any correspondence was sent to the address where service was held many years ago. The information provided didnt bode well with me based on dates of service and date of last bill and last payment made. I inquired on paying them in full in exchange for them instructing their hired collection agency to retract the debt. She informed me that they cant do that ; however, if I call collection company, they can help. I then called the collection agency and they too had no correct contact info. They didnt have a correct number to call me at and they mailed one debt notification to an incorrect address ( which allegedly wasnt returned ). I stated that I was willing to pay them in full in exchange for a deletion and was told theyd only report it as paid in full. This is completely unfair as I never was given any opportunity to validate the debt or rectify the situation. I had to learn about it based on an alert stating I had a new collection. I cant face telling my son that his XXXX present of having his own home, a determination Ive worked so hard on getting him as a single mother, was taken away from us, and that he will need to change schools since there isnt anything affordable to rent where hes been established.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11
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:
XXXX equifax credit bureau compromised and sold my identity to a mortgage loan lender under someone else identity that identity theft my social personal information and put a debt after equifax fraud ran my credit and abused my social security number and approved a mortgage loan for subspect XXXX XXXX and student loans also XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX all of XXXX XXXX Nevada where two mortgage debts fraud identity has been placed illegal for public someone else mortgage loans thats mother sister related to XXXX XXXX she used my credit identity theft my identity and finances a mortgage loan equifax illegally ran my credit and put her debt loan installment payment XXXX which I'm disputes now off my credit report equifax student loans from XXXX  where my identity again was stolen compromised by e a equifax selling my identity student loan has a different name and different account holder information and all XXXX student loans XXXXwas again placed under my identity XXXX XXXX XXXX mortgage loans please remove all three loans from two mortgage loans taken out against my identity fraudulent I don't own no home my name isn't on mortgage deed nor loan my credit was ran fraudulent under XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX identity theft loan account 5 years now during damage my collectable credit from me buy my own house credit lender mortgage loans for my own purchase I've been blocked by your credit bureau equifax where they have fraudulent charges XXXX installment payments and student loans that I am not account holder off and refuse to remove mortgage loans where my name is not own mortgage deed nor lender but my identity compromised ran by equifax and fraudulent debt collectors collection is own my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
I XXXX XXXX PULLED MY CREDIT REPORT AND NOTICE THERE WERE A LOT OF THINGS THAT WERE NOT MINE, AND I SENT IN A LETTER TO HAVE THE ITEMS VALIDATED OR REMOVED AND I HAVE NOT HEARD ANYTHING BACK YET. I NEED ANSWERS, PLEASE. This is hurting my chances of moving into a new place.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I asked for an investigation on derogatory accounts in collections on my TransUnion credit report from a company called XXXX  XXXX XXXX and original creditor name is XXXX XXXX XXXXS. This company continues to say that I owe them money when I do not. I did my own investigation and they have no signature from me, no Identification, nothing all they have is my name they didn't even know my address. TransUnion removes and then this company instantly puts back another bill with another amount and it's been going back and forth for months and I can not get a decent investigation from TransUnion all they say is " this was investigated and is accurate '' yet I asked for the details of the investigation and 60 days has now passed and I received just a letter from them saying my rights and nothing on the details of the investigation. Please help me remove and block this company from harrasing me on my credit report. Thank you!

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 2020-09-30
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:
I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX XXXX # XXXX. The dates were XXXX, my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving in to a new apt . I was under the COVID-19 SHUT DOWN. The CARES Act calls these agreements accommodations.

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 2022-03-01
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: SANTANDER BANK, NATIONAL ASSOCIATION

Complaint:
CREDITOR NAME : XXXX BANK XXXX XXXX : {$3500.00} DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : XXXX XXXX XXXX AMOUNT : {$18000.00} DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : XXXX XXXX XXXX XXXX AMOUNT : $ - DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : 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