hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-06-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc

Complaint:
After reviewing my credit report i identified a discrepancy with an account listed under XXXX XXXX XXXX, that i did not recognize. I also noticed that this collection was being reported as an Opened Accont, which is not under FCRA compliance. This is inaccurate reporting. I have not receive any correspondence from the creditor to validate this account as correctly belonging to me nor has my credit report been updated to reflect that my credit report has been disputed. I DO NOT believe that this account belongs to me, nor do i believe that the creditor has authorization to attempt to collect on the account that continually negatively affects me.Please Strike and REMOVE this account from XXXX credit Bureau until adequate information has been received and proving that the account belongs to me and all information is correct

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX appears on Credit Reporting Agency without my knowledge or permission. In accordance with the Fair Credit Reporting Act my rights were violated. 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604 Section 2 it also states a Consumer Reporting Agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
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:
Contacted bank of america customer service via 1800 number on the back of my card on XXXX/XXXX/2017. was advised the transfer of funds from my credit card to my checking account would be effective within 2-5 business days. Time frame was not met, funds have still not been received. Called today at XXXX EST and spoke with a supervisor named XXXX, who advised me this would be available and fixed within no later than 2 days. Still seeking resolution and investigation. A refund was issued from a merchant, after my credit card statement was paid in full. Now my credit card has a credit of XXXX dollar balance, Which makes it difficult to use my credit card because my balance will be negative, meaning bank of america owes me money, and that will not reflect positively on my credit usage and credit utilization towards my credit score.

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 2020-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
Portfolio Recovery trying to collect {$4900.00}. I never heard of the company, never did business with the company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Product: Credit reporting 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 7th 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-14
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: Resurgent Capital Services L.P.

Complaint:
Today I have checked my credit reports. I noticed on my records 1 account in collection. This account should not be on my reports because it has been more than 7 years from the date of the first delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
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:
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 2022-11-02
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:
There were accounts in my report that does not belong to me, I do not know how they verified it but they did not provide me anything. I sent the letters on XX/XX/2022 and util now I did not receive any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.

Complaint:
I had my account on square hacked. I called them to help me change my email and password immediately & no money had been taken from this short hack. Because of this they froze my account, not allowing me to move my money into my account other accounts. Because of this I am behind on payments and my account is incurring overdraft fees. They gave me no answers and refuse to help me with this matter. I have over XXXX XXXX in my savings with them that I can not access, meanwhile my other account is negative {$370.00} and receiving multiple {$35.00} over draft fees. I also have tons of bills I will have to pay late which may affect my credit score. I am a single mom and small business owner and I can not even afford gas without the money they are holding from me. I am beyond disappointed with how they handled this matter. No one seems to care and my calls and e-mails get me nowhere! It has already been 5 days with no word.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted. 

Chapter XXXX Bankruptcy : Bankruptcy Reference 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
Consumer complaint received 2022-10-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: iQuantified Management Services, LLC

Complaint:
On two occasions I was sent a bill ( XX/XX/22 ) and then a final notice ( XX/XX/22 ) from XXXX XXXX XXXX XXXX. After receiving the first bill on XX/XX/22, I called them and had my XXXX XXXX XXXX representative, XXXX, on the phone. It was determinedthat I was billed for three claims with the same tax ID and two different doctors. Not only that, but the claim was for a hospital procedure when the actual procedure was done in a doctor 's office. 

Today, XX/XX/22, I received a debt collection bill from iQuantified Management Services stating that I owed for this exact claim. I then called XXXX XXXX XXXX XXXX on the phone for the THIRDtime. I spoke to a manager named XXXX, who went back over the claim that is in need of correction. I even provided him with the corrected claim number ( XXXX ) that XXXX XXXX XXXX XXXX provided me with after my very first call on XX/XX/22 and then again after the second call on XX/XX/22, when I spoke to a man named XXXX XXXX. XXXX XXXX XXXX XXXX never fixed the claim, billed me incorrectly twice, and then sent it to a collection agency. I find these practices unethical and therefore I reported them to the XXXX XXXX XXXX and to you, the Federal Consumer Affairs Bureau of Consumer Protection. 
As a final note, XXXX, the manager who I spoke to today, on XX/XX/22, stated that he is calling the collection agency and escalating this to his account management team who will, in turn, call my insurance. He assured me that I would not see another incorrect bill or a bill from your collections agency. If I see another bill, I will be seeking legal action. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.

Complaint:
Best Buy has never sent me my bill with the proper discolure pursuant to the Card Act regarding the Minimum payment warnings : The CARD Act requires credit card companies to tell users 1 ) how long it will take to pay off their balance if they only make minimum payments and 2 ) how much they will have to pay each month to pay off their balance in 36 months. I'm not receiving my statement with the minimum payment disclosure pursuant to the Card Act.

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 2023-06-09
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-06-23
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 HAVE CALLED XXXX XXXX AND THE COMPANY XXXX XXXX ABOUT AN INCORRECT LATE PAYMENT. I HAVE NEVER HAD A LATE PAYMENT AND WOULD LIKE FOR IT TO BE CORRECTED ON MY XXXX, XXXX, AND TRANSUNION.I HAVE SENT LETTERS AND MADE PHONE CALLS WITH NO ONE AVAILABLE TO CHANGE THE STATUS!!

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 2021-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
Bank of America is reporting that I am XXXX past due even though the minimum was XXXX and I had paid XXXX towards the account. In XXXX I made a payment of XXXX, however this was apparently AFTER the cycle closed this making me late. No biggie I then redeemed XXXX worth of rewards. However the company is saying this does not count as a payment. I was never notified that I was late or past due nor do they provide an option for auto pay when you bank with them. I hold over XXXX with this bank. Making the payment was not an issue. The companies ability to communicate is not there and now as the consumer my credit report will be penalized. This is not fair. Had I of known or been alerted I would have corrected the mistake.

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 2023-02-14
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:
n accordance with the Fair Credit Reporting act XXXX Account # 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 2018-08-22
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: HYUNDAI CAPITAL AMERICA

Complaint:
I have 2 hard inquiries on my credit report for ths same exact date, for the same exact purpose. XX/XX/2016 I started an automobile lease through XXXX XXXX XXXX XXXX. Information on them below : Institution Information XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX The dealer also ran my credit and this caused the second hard credit inquiry on the same date of XX/XX/2016 Institution Information XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX I was under the impression you should only be assigned one inquiry for the same exact financial purchase / obligation. 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
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: Self Financial Inc.

Complaint:
This is a continuation to complaint XXXX. Due to direct affects of the pandemic I was unable to respond within timeframe as I was medically incapable of doing such from direct affects of coronavirus. All attachments and arguments still stand and I also am accusing self lender of unethical and unfair operating practices. Self lender in their response makes claims that I owe a debt and notified me. I have repetitively and timely communicated with self about transactions that were unauthorized .Self lender has told me that i owe because i did not report the transactions withing their time period. in the attachments provided by me in case XXXX i have provided proof that is incorrect. I also would like to accuse self lender of taking advantage of me claiming to be a company to help build my credit with securities in place to avoid this very issue. When obtaining a secured credit card it states that the amount secured is the only way to increase limit amount. here is the information gathered directly from self 's web site. https : //www.self.inc/visa-secured-credit-card. to make this more egregious, my maximum limit was a very small fraction of what is said to be owed. i believe XXXX possibly a tad higher ( can provide exact information if needed ) and the card was used for several XXXX dollars at one point and unauthorized. The practices to gain assistance was and continues to be extremally laborious and unethically difficult to gain help. This is all laid out throughout attachments referring back to case XXXX this should be illegal to operate under the platform of aid and support with credit. the process to be eligible to receive a secured credit card calls for healthy and productive habits with their initial credit builder account in which I followed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Tiffany & Tiffany PLLC

Complaint:
On XX/XX/2023 a charge in the amount of {$860.00} was drafted from my savings account with XXXX XXXX  ( also known as XXXX ). I called to see how and where this charge was made and the representative tells that it was a garnishment and the funds were sent to Tiffany & Brown PLLC. I asked for a copy of a judgment order and or a court summons stating that I owe this creditor that money and the answer was we dont have a copy of the order when judgements and levys are in place we just draft the money directly to the creditor. Ive also spoken with representatives from Tiffany & Brown last firm and still have yet to been provided proper documentation ( court order ) stating that I owe the funds.

Company response to consumer: Closed with explanation
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 information incorrect
Company: EQUIFAX, INC.

Complaint:
XXXX XXXX is reporting account is charged off when it was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
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: EQUIFAX, INC.

Complaint:
SINCE XXXX OF 2019 I HAVE BEEN SENDING MY IDENTITY THEFT REPORT TO EQUIFAX ASKING THEM TO REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT PROFILE. I AM A VICTIM OF AN IDENTITY THEFT THEFT AND THEY HAVE ALL SUPPORTING DOCUMENTS TO HAVE THE ITEMS REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
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:
According to FCRA all information on my credit report must be verified and accurate. In accordance with the Fair Credit Reporting Act TransUnion and XXXX has violated my rights. XXXX XXXX XXXX account number XXXX reporting inaccurate showing account open that is supposed to be closed. XXXX showing this account has been closed, FCRA says all report must be accurate, how can XXXX reporting this closed but not Transunion and XXXX! according to FCRA all inaccurate information must be correct or delete it.

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 2021-01-15
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:
COLLECTION, CHARGE-OFF ACCOUNTS APPEARING ON CREDIT CLOSED AND CAN NOT HAVE LATE PAYMENTS. THESE COLLECTION ACCOUNTS MEANING THAT THERE SHOULDN'T BE REPORTING OPEN, NO LIMIT, NO PAST DUE AND NO PAYMENT STATUS. 
NOT ONLY THESE COLLECTION ACCOUNTS DOESN'T BELONG TO ME BUT THESE ACCOUNTS ARE IN VIOLATION AND NEED TO BE REMOVED IMMEDIATELY BECAUSE THERE ARE LATE PAYMENTS AFTER THE ACCOUNT IS CLOSED. 
1. XXXX 2.XXXX  XXXX 3.XXXX  XXXX 4.XXXX/XXXX  XXXX IN THESE ACCOUNTS ARE REPORTING INACCURATE ALONG WITH DATE OF LAST ACTIVITY AND DATE OF LAST PAYMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
Received a letter dated XXXX XXXX. Decision to restrict and close account. 
I have had this Bank of America business account for over 10 yrs. And now a decision is made to close based on the business type. Company is an XXXX XXXX and XXXX XXXX company. 
Have never had any banking issues prior. 
Phone number provided to bank closing department where agent read a script but provided no insight or details as to the reason for decision to close. Any further calls to other phone numbers provide direction to call the closing department. Its as weve been targeted with no cause.

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