hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2019-02-20
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: AMERICAN EXPRESS COMPANY

Complaint:
I have American Express platinum card and have XXXX points in my Membership Rewards account. But there is a problem with my account, when I try to transfer my XXXX points to Delta or XXXX, the system always shows an error : '' This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' And also I want to try to redeem for gifts card, the error message still show up. I call American Express, the first time they said need to wait 6-8 weeks to fix, but after 6-8 weeks, the problems still not fix, and I call the second time, the agent said write down the notes and sent to the department. I waited few days, but no call from American Express, and I called the third time, the agent said write down the notes and sent to department, and let me wait 3-5 Business days, but I still not received any call. 

And I have a delta skymiles card, I spend XXXX dollars to meet the welcome offers which is 10000 MQMs and 4000 miles. After the first statement, I didn't received any welcome offers to my delta account, I called American Express and the agent said 3 weeks will be post to my account. After 3 weeks, the welcome offers still not post to my account.I wait for the next statement day, there still no welcome offers post to my account. I called again yesterday and the agent said there is a some problems can not post to my account and sent to department and said will call back to me 3-5 Business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
My Lawyer, XXXX XXXX filed a Chapter XXXX that was to include a reaffirmation for the property I currently in and have been making payments for the last two years and not having the benefit of those payments being reflected my credit report. 

The XXXX XXXX not provided any reason or documentation as to why they have taken such action. I have called them numerous times and told that they are reporting. I have sent documentation to all three credit agencies and the reports are incomplete or never change despite the proof of my clearly being responsible to my obligations. 

The XXXX XXXX is a bad and unsavory actor.

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 2023-06-27
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:
On XX/XX/ I contacted XXXX XXXX XXXX in writing to discontinue reporting the fraudulent collection account XXXX to my credit report as you are in violation of FDCPA. On XXXX  I contacted XXXXXXXX XXXX XXXX XXXX in writing to discontinue reporting the same fraudulent account XXXX. To date, XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX  have responded to my request or discontinued reporting the associated fraudulent account to Equifax, XXXX, and XXXX XXXX XXXX XXXX. I did not request or obtain credit from XXXX XXXX XXXX XXXX nor am I liable for any debt to XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX, or any factoring company. In addition, I have filed a Police Report regarding these fraudulent accounts with the XXXX Police Department and attached my FTC Identity Theft Report and provided copies to Equifax, XXXX, and XXXX Credit Bureaus to dispute and delete this fraudulent collection account and any inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Allied Collection Services, Inc. (Nevada)

Complaint:
This was a medical expense for an expensive procedure that was eventually covered in full by my insurance. At first my insurance only covered the expense as out of network, but I filed an appeal and eventually got my insurance to cover the entire expense as in-network. The appeal process took a long time, but all the while I called XXXX the doctors office XXXX and the debt collector ( Allied Collection Services ) several times to inform them they will likely be paid by the insurance company, not me. I provided them with documents proving my claim was still under review by my insurance. They would n't even take them from me. 

The debt collectors response was to threaten me with over {$700.00} in legal fees and interest. They also threatened to report me to the credit agencies. In order to " avoid all of this '' they forced me to sign a Promissory Note for the debt that was still in dispute. Before I signed I added notes to the side of the Promissory Note saying they will not do any of the above if and when they are paid by insurance. ( see attached ). They obviously ignored that, as even after my insurance has paid in full they reported " my debt '' to the credit agencies as unpaid. 

I have forgotten bills before, and I have had the unfortunate experience of dealing with debt collectors before. However, I have to say this debt collector was absolutely horrible to work with. Their tactics are horrible, they care nothing of the circumstances of the debt in question, and do not hesitate to threaten all kinds of actions against you. Also, when you call or visit them they transfer you from person to person each without enough experience/authority to do anything other than repeat the above threats.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-29
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 have a loan with XXXX XXXX  XXXX XXXX, this loan was set on AUTO pay, when i realized there was a late pay reported on my credit I called them and they told me they attempted payment and it didnt go thru, no one called me no phone call, no emails, no mail letting me know my auto pay was removed. I spoke with a representative and she was able to withdrawl late payments from their records.

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 2023-07-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelson Cruz & Associates LLC

Complaint:
XX/XX/XXXX disputed inaccurate reporting of an item not mine. XX/XX/XXXX credit bureau resolved dispute. Removed negative impact from my credit report. 79 days later same credit reinstated the same negative impact without notice and justification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
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:
I have sent XXXX cards a validation letter disputing the debt on XXXX. Pursuant to the FDCPA. XXXX cards failed to provide me any evidence within XXXX  days that they have a right to collect on this debt. Therefore by law the account is errant and must be zeroed and removed from my credit report. XXXX closed the account but failed to zero it and also reported negatively on my credit report. I also sent another round of letters to their headquarters in New York. Still no validation response from them. Also sent letters to all three reporting agencies along with all correspondence i sent XXXX cards saying that the creditor has not validated the debt, the account is errant and needs to be removed by law. The reporting agencies failed to remove the account and follow the law as well. XXXX removed the account at first from my report but then put it back on after the validation time was over. I believe that is also a violation of the law to remove an account and then put it back on.

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 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
Ive filed a dispute in regards to the incorrect information on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Health Care Financial Services, Inc.

Complaint:
I reached out to Ars Resolution in XX/XX/XXXX by sending a debt validation letter requesting information on a collection account from XXXX on XX/XX/XXXX for {$220.00}. 
I also requested that if they couldn't verify the debt in thirty days to notify XXXX  for removal for inaccurate reporting. 
As of XX/XX/XXXX I have not received any correspondence from the company.

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 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION

Complaint:
On X/XX/2017 I called NFCU to let them know I wanted to dispute a charge from a company that I just had repaired work done to. NFCU, stated that it would take up to 10 business days to receive a provisional credit. NFCU has been negligent in responding to my claim and has failed to contact me regarding any steps in this process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY

Complaint:
In XXXX of 2021 I became unemployed. Ive had my checking and savings account with Wells Fargo for over 5 years and I had many outside transactions going into my bank. For examples bill payments, subscriptions etc. I called Wells Fargo several times to put stop payments on items so that I could avoid any overdraft fees. A representative told me that a stop payment was applied but it might not stop reoccurring payments from being posted. So my stop payment never worked for me and in turn my account became overdrawn to the point I couldnt make any payments to cover the fees. As the overdraft fees kept piling on Wells Fargo eventually closed my account and now they are constantly harassing me everyday with phone calls to see if I can make a payment. Im still unemployed looking for employment so I am unable to make those payments. Ive talked to several representatives and I mentioned that I should have been notified to close my account to avoid the fees but that option was never offered to me. And now my past account is at an amount that I can not afford and I feel like I wasnt given any options to rectify my situation especially since I called numerous times to avoid the fees from accruing.

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 2023-06-12
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FC HoldCo LLC

Complaint:
I was in an auto accident over 5 years ago and the remainder of my car note was put into collections. I called the company Flagship Credit Acceptance in 2021 in regards to my alleged debt and I was told they have no record of me ever having an account with them. BUT, whenever I check my credit report it keeps popping up as a charge-off and the debt keeps refreshing over and over again. This has severely affected my emotional and mental health and my quality of life. I am a XXXX veteran with 4 kids and I have been denied home loans, auto loans, and risk of unemployment because this debt/ charge-off was on my report. It grossly misrepresented my character ( 15 U.S. Code 1692e ) as an XXXX XXXX veteran of the United States XXXX. Now that I am a civilian, life has been very difficult trying to find safe and secure housing for myself and my children. My right to privacy and my personal information have been misused and abused ( 15 U.S.C. 6801 et seq ) How is it that when I disputed this debt it keeps coming back as " Verified and Accurate '' by XXXX, XXXX, and XXXX? Like who is verifying ME on My behalf?? And also how can they say it's accurate when they don't even have a record on my account anymore? Furthermore, the balances on the charge-offs don't even match! One says for XXXX, and the other says for XXXX! What is really going on?? I do have legal representation and will pursue this matter judicially if necessary.

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 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached

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 2021-07-21
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:
I already reached out to the TransUnion for the following unauthorized inquiries listed below and notified them of their error posting on my credit file. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the actual proof and physical firsthand documentation but I did not receive what I asked and these violations persist on my credit report. 

1 ) XXXX XXXX XXXX Date of inquiry XX/XX/2021 2 ) XXXX  Date of inquiry XX/XX/2021 3 ) XXXX XXXX Date of inquiry XX/XX/2021 4 ) XXXX XXXX  Date of inquiry XX/XX/2021 5 ) XXXX Date of inquiry XX/XX/2021 6 ) XXXX  Date of inquiry XX/XX/2021 7 ) XXXX XXXX Date of inquiry XX/XX/2021 8 ) XXXX  Date of inquiry XX/XX/2021

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 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION

Complaint:
navy federal credit union keeps reporting the balance on my loans with them as increase in balance or dollar amount through the credit bureaus. the balances should be decreasing but they are not. i dont like this. ive made all my payments on time with them over the phone etc. i think they are scamming me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Premier Auto Credit

Complaint:
Account : allied collection service ( premier auto ) collection bureau of a 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2020-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
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: EQUIFAX, INC.

Complaint:
Equifax showed a hard inquiry from XXXX. That I didn't recognize or authorize, I filed a dispute and Equifax ruled that it was legit and it would stay on my credit report ( the other credit reporting agencies never showed such an inquiry ) when I called the number given on the dispute response, I was informed I didn't have to give anyone permission to make a hard inquiry, and all someone needed was to have my soc sec #, BUT .... it could be more favorable if I were to purchase an upgrade to my equifax for like {$20.00} ( I can't remember the exact amount ) I was extremely upset to realize that you could BUY better credit reports, the lady recognized my being upset and suggested I put a freeze on my account, then I wouldn't have to worry about it if I didn't want to upgrade, so I did. Just yesterday in order to apply for a local credit I had to lift the freeze only to find that they have a {$28000.00} account that has been paid off for 3 months still in active status causing an adverse decision for credit when XXXX have shown me for excellent credit.. when I went to dispute it equifax said dispute site is down, REALLY? It's not the adverse decision that has ne worried, its the power equifax has over my credit and insists that I pay for upgrade to get normal treatment, how is it that this is allowed? Another part of our constitution XXXX XXXX  XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc.

Complaint:
On XX/XX/2023 at approximately XXXX EST I checked my balance in my money lion checking account when I noticed a very low balance I immediately contacted money lion. There were two unauthorized transactions pending totaling XXXX. I informed them I did not use my card to make any purchases on Friday evening except one at the XXXX XXXX near my home in XXXX KY and the purchase amount was for XXXX. They are refusing to return my money and also made them aware at the emergency situation in which I was involved and why I needed my money asap. My grandchildren have been abandoned in XXXX and I needed to drive to XXXX immediately. They have yet to return my money.

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