hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-03-30
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: EQUIFAX, INC.

Complaint:
This is my 9th 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.

Complaint:
Debt was disputed, the debt collector refused to respond or cooperate with dispute. 
Debt amount is incorrect and old, yet is still on the credit report stating false information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
Three adverse action letters sent on XX/XX/2023 and were delivered on XX/XX/2023 stating " We are closing this account because activity on this or another account is not consistent with our expectations for account usage and violates the Capital One Customer Agreement '' The only different activity on the account was exercising the right to use the Bill of Exchange Act. There was no other change in account usage. 
There were no wrong usage of the account nor any violations made. 
The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. 

The closing of the three accounts were discrimination from exercising rights in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC.

Complaint:
Purchased an Xbox financed by Citizens One in XXXX XXXX. Returned the XXXX after a couple of days. Loan was supposedly closed out. XX/XX/XXXX I received an alert that one of my credit accounts was in derogatory status. Per credit report, account was never closed. Called Citizens One, they claim they told the credit agencies to remove derogatory remark ( because they claim they didnt even know why it was there ). Now all of my credit scores and reports have taken a huge hit over the derogatory account status. Not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
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 XXXXXXXX, 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 explanation
Consumer complaint received 2020-09-02
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: Atlanticus Services Corporation

Complaint:
In XXXX of 2019 I ended up almost losing my life because I had a XXXX XXXX. I fell behind on my credit cards and two of which have no interest in helping me with the late reporting on my credit report. I provided documentation and there should be laws to protect the consumer if things out of control occurred. Two accounts were brought current and paid off. Before my XXXX XXXX I had stellar payment history. Fortiva account services is one of the businesses. I was paying for a piece of work out equipment which lead to my XXXX XXXX. It states in my medical record that I can not exercise. They refuse to help. XXXX XXXX I had a XXXX credit card with them. They claimed I dont meet criteria when I almost lost my life. This is extremely wrong

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
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: Experian Information Solutions Inc.

Complaint:
Complaint is against Experian for credit report errors and for they are still billing me for closed Experian account : 1. XXXX XXXX shows corrected balance dispute resolution on the dispute request page, yet still shows the XX/XX/2020 balance of over {$5000.00} on the credit report. This must be corrected and correct the FICO score.

2. XXXX XXXX detail on the dispute request page shows not late per previous dispute resolution yet still shows late on the credit report, and summary shows one late account payment - XXXX was the only one showing a late payment. This has led to at least 8 auto loan refusals and a higher interest rate when a creditor approved the loan.

3. I am still getting billed every month even though Experian account was canceled. Only available phone number does not allow correction no matter what number I press, all go to reset password or hang up each time on each of many attempts. They need to stop billing me. 
4. There are many creditors that are closed and paid accounts are showing on my account. I know I had requested those over 7 years old be removed several times.

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 2022-06-15
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Webcollex, LLC

Complaint:
Thank you for the notification of the complaint filed by XXXX XXXX. CKS Financial appreciates the opportunity to respond to their concerns. Please note that upon notice of the compliant, a member of our Compliance team conducted an investigation into the allegations, including a review of all inbound and outbound telephone communications associated with the telephone number provided A summary of that investigation follows : We have conducted an investigation which included a review of the account data provided by the original creditor. The result of that investigation confirmed the name, address, and the amount owed is accurate, as listed on the account. Please note, XXXX previously responded to Consumers request for validation on XX/XX/2021, providing validation. The account has since been returned to the current creditor XXXX XXXX XXXX XXXX. We suggest XXXX XXXX contact XXXXXXXX XXXX XXXXXXXX, XXXX directly for any further concerns, including how it is being reporting to the credit bureaus. We invite XXXX XXXX to contact a member of our Compliance team if she has any questions. A member of our Compliance team is available Monday through Friday from XXXX to XXXX Eastern Standard time and can be reached directly at XXXX or by emailing XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC

Complaint:
This debt is not mine I was not in the state of XXXX  XXXX XX/XX/XXXX. I was in XXXXI have no knowledge of this. Also I have no job, since XX/XX/XXXX. So how could I get a pay day loan. For XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.

Complaint:
I attempted to log in to view what the amount was and the information that Midland Credit Management had online for a bill that was owed. They said they referred my debt to a lawyer. That lawyer is another debt collector, XXXX XXXX XXXX, and not a lawyer like theyre claiming.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21
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: CCS Financial Services, Inc.

Complaint:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692 b ( 2 ) not state that such consumer owes any debt.

15 U.S.C 1692 c ( A ) without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R.M. Galicia, Inc.

Complaint:
1.I have never had an account with this company PROGRESSIVE MANAGEMENT SYSTEMS XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are PROGRESSIVE MANAGEMENT SYSTEMS the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.

Complaint:
I am not swayed that EQUIFAX has investigated this account properly. Their investigation of this account was totally incorrect. I am not seeing this account to any of the other credit bureaus which was so odd. I believe they have not reached out to the furnisher to validate. Therefore, I have sent out a couple of written complaints to raise this concern but other than the credit report I have, I have never heard any feedback from both EQUIFAX and the creditor. Make sure to explain the outcome of your investigation about this account with XXXX  XXXX XXXX  XXXX XXXX Date opened XX/XX/2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion Name : XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX Employers : XXXX EMPLOYEE XXXX XXXX Addresses : XXXX XXXX XXXX XXXX TX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : DEPTEDXXXX XXXXXXXX XXXX XXXXXXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXX Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiry XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX : DEPTEDNEXXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXXXXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX  XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Employers : XXXX XXXX  XXXX XXXX XXXX & XXXX XXXX XXXX Collecons : XXXX XXXX DEPTEDXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXXXXXX  XXXX DEPTEDXXXX XXXXXXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX DEPTEDXXXX XXXXXXXX

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 2019-01-31
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: Experian Information Solutions Inc.

Complaint:
I have disputed the bankruptcy on my credit reports numerous times, I never have had an active bankruptcy. XXXX, Experian and XXXX  have been saying that they have verified the account as valid but have not provided any proof of verification. I went to bankruptcy court to pay for the official paperwork but I started back working before my court date so the paperwork was never filed but somehow it has popped on my credit report making it very hard for me to qualify on buying a home this year. Please look into this matter and delete this inaccurate information from my credit report as it is a violation to my rights as a credit consumer to have information like this reporting incorrectly. 

Bankruptcy Dismissed - 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 2022-10-08
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: Experian Information Solutions Inc.

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2019-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.

Complaint:
Citi closed my Prestige credit card again. 

I contacted Citi in XXXX to discuss ways to do product change to my Prestige card. After being informed that there were no such an option to convert it into other types of card and being advised to contact later to explore options, I clearly and explicitly informed the representative to keep the card open. 

However, when I later tried to use the card, the card was closed. I can not transfer my citi thankyou point either. 

This is not the first time my account being closed without my consent. I have contacted CFPB when Citi closed my account in XXXX and Citi later reinstated the card. This is happening again.

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 2018-02-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Ad Astra Recovery Services Inc

Complaint:
Took out a loan with the company XXXX on or about XX/XX/XXXX for the amount of XXXX dollars.The account went into default XX/XX/XXXX. I paid XXXX XXXX in XXXX or XXXX The full amount I owed them. XXXX XXXX has the record and exact date the loan was paid off. The problem I'm having XXXX XXXX uses a company by the name of AD Astra for recovery services. This company have been reporting this account to all three credit reporting agencies which by the way since XXXX or XXXX has been a XXXX  balance. I have call XXXX XXXX and AD Astra to resolve this issue and have not been given any sort of resolution. I'm currently using XXXX XXXX XXXX to assist me in the resolution of this account. I been working with XXXX XXXX since approx. XX/XX/XXXX and nothing they have done has resolved this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
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: CITIBANK, N.A.

Complaint:
XXXX XXXX {$740.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT MACYS/CBNA {$600.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$4000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT Account Number XXXX Account Number 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 non-monetary relief