hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.

Complaint:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
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 at a complete loss of words the the lack of assistance and justification I had received in regards to a debt I do not even owe. On a XX/XX/2022, upon reviewing my credit report I noticed an account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are several issues wrong with this debt. The first thing issue is that I have already reported this is a fraudulent account with the last debt collection that attempted to collect on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Now here is another company attempting to collect the same debt previously confirmed as fraud. I also noticed that there obviously is some inaccurate reporting information wrong with this account as well such as the open date on XXXX reports as XXXX with the current status as account open while Experian is reported open date of XXXX with current status as closed. If you are going to place a fraud account that was opened as a result of identity theft at least report consistent information. I have written to XXXX XXXX XXXX and they sent documents saying this debt is valid but again provided me with the identity theft documents. Please help me get this fraud collection removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
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 this erroneous account numerous times before and provided documentation. They refused to investigate and correct their error. They are illegally reaging the deliquency of an account that should have been deleted years ago according to Experians own documents. The account is 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 2016-07-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Asset Management Outsourcing, Inc.

Complaint:
Nationwide Recovery Services has attempted to collect a debt I do n't owe them. I never establish a contract with this company and they reported negative items onto my credit reports for XXXX accounts # XXXX # XXXX # XXXX which is in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
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:
Regardless of my written request, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : SELF / LEAD 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 2015-05-27
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Law Office of Mark L. Nichter, PC

Complaint:
I have been receiving phone calls on my private cell phone from XXXXphone number. 
I live in XXXX and it is a XXXX area code I do n't recognize. 
They have never left a message, so, a XXXX ago I called back and askedthem to identify themselves, name of company, and what this is about. 
They keep trying to seek verification from me. I will not unless they tell mewho they are and what this is about?. I am recently widowed and was hospitalized in XX/XX/XXXX-XX/XX/XXXX a number of time and deemed XXXX on XXXX. 
This evening he called with this number XXXX and left a message threatening me with a lawyer. 
I read your information and it states his suppose to mail me documentation after the initial contact. Which was a XXXX ago and I have not received. I do n't even know the name of the company or who the caller is.

Company response to consumer: Untimely response
Consumer complaint received 2023-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CULLEN/FROST BANKERS, INC.

Complaint:
I filed an EFT Dispute on XXXXXXXX XXXX, XXXX, TX requesting a full refund of a federally protected Administrative Fee of {$150.00} the apartment manager charged to my account, after denying my application. Federal consumer financial protection laws prohibit apartment complex owners and managers from keeping administrative fees after denying an application to lease. Frost granted a provisional credit, then reversed it taking the money out of my account. I am now overdrawn and have sent an EFT dispute demanding that they immediately return the funds to my account. I further reported that I would file this dispute with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Tower Loan of Mississippi, Inc.

Complaint:
On XX/XX/XXXX she called at XXXX am and XXXX am. 
On XX/XX/XXXX she called XXXXpm XXXXpm & XXXXpm On XX/XX/XXXX she called at XXXX am, XXXX am, XXXX PM, XXXXpm, XXXXpm and XXXX PM. I answered and I asked them to not call back to back and she refused to identify herself. She also said she will continue to call back to back because the sheriff needs to pick up the vehicle. Again she doesn't know who I am, and she isn't calling for me. She then tells me to XXXX the number and she hung up. These are just the latest encounters. They consistently call from their personal numbers and they curse and talk very condescending.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A.

Complaint:
On behalf of Citibank, a debt was settled through XXXX XXXX , XXXX . Some months later, XXXX XXXX XXXX , XXXX tried to collect the same debt. I wrote to XXXX XXXX explaining their error and received no response. XXXX XXXX continues to send mail demanding payment. 

Attachments : 1. My letter of explanation to XXXX XXXX 2. XXXX XXXX 's demand for payment 3. Settlement letter from XXXX XXXX 4. Canceled check sent to XXXX XXXX with reverse stating " For Deposit Only, Citicorp Credit Services ''

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 2022-11-14
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:
In accounts below has violated my friendly protected consumer rights to privacy and confidentiality under 15 USC 1681 right Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 A. States i have the rights to privacy 15 U.S.C 1681 A. Section 2 : it also States a consumer reporting agency can not establish an 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 2021-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.

Complaint:
As a result of my contact with Macys corporate office of spite they reported my credit limit lower than what it was and its hurting my score. My credit limit was {$5000.00} and they are showing it as {$100.00}. COMPLETE XXXX!! According to the FCRA..reporting should be FAIR accurate, complete and verifiable. HOW IS THIS FAIR?!? This is grounds for a lawsuit. You changed my limit after i requested the account to be closed! 

There was a discrepancy in my address. I asked the agent to update it and they didnt so i didnt receive the bill. 

Macys refused to remove late fees even after they determined it was THEIR fault. My account was closed by a corporate agent who ALSO changed my credit limit with ALL three bureaus after they closed the account. THIS IS ILLEGAL!! 

By law ( FCRA ) you are required to report accurate information. MY credit limit was NEVER {$100.00}. 
you intentionally hurt my score out of discrimination towards me.

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 2022-11-06
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:
I sent a letter out on XX/XX/2022 to XXXX, Equifax, and XXXX. However, its been more than 30 days and the credit bureau failed to send my investigation back. This is not making sense. 

According to the law 15 U.S. Code 1681i Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
On XX/XX/XXXX, I applied and was approved for a Capital One Quicksilver credit card, with a promotional offer of 0 % introductory APR for purchases and balance transfers for the first 15 months of the account opening. The terms of this offer are confirmed in the Account Opening Disclosures letter attached. 
However, I received the 0 % APR for purchases, but not for balance transfers. In fact, I am unable to conduct balance transfers at all. 
I called Capital One credit card services on XX/XX/XXXX, and 21 regarding this issue. Each time, the representative said that Capital One is having a technical issue where new customers are not able to access their balance transfer offers and to call back in 24 hours if the problem persists. The problem has not been resolved, and the representatives say there is no estimated date of resolution. They also did not offer any extension on the promotional period for the time lost due to this issue. 
On XX/XX/XXXX, I submitted an online request for the terms & agreements document for this credit card, also attached. According to that document, the APR for balance transfers is now 29.24 % with no introductory rate, completely contradicting the Account Opening Disclosure Letter. 
During the XX/XX/XXXX call, the representative stated that it is possible that Capital One approved my initial application but later changed the terms of my promotional offer due to further findings in my credit report. However, I never received a notice of a new credit decision or an explanation for why my offer terms have been changed. I was also never given the opportunity to decide whether I would like to continue with opening an account under the new terms.

As I stated clearly to the representatives, the main reason I applied for this credit card was for the balance transfer introductory 0 % APR. If this issue is not resolved, I will have to pay interest charges on the balances that I would have transferred to the Quicksilver card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kehoe Financial Group, LLC

Complaint:
Kehoe Financial Group sent me a debt collection letter for traffic violations in XXXX XXXX stating it occurred in 2019. Theres no way to contest this bogus claim. On top of that they want me to send money to the company directly. Its a scam mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25
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:
I am a victim of Identity theft, yet I am having a hard time getting the CRA 's to honor my dispute. My FTC ID Theft Affidavit attached. Please block the Fraudulent accounts listed to the attached, per 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: General Motors Financial Company, Inc.

Complaint:
GM Financial - on my credit file has reported multiple late payments on an account in which I was never late. This gives me reason to believe that this is not my established account. I have sent disputes to GM financial and requested that they forward to me a contract bearing my signature to authorize an account by this creditor. I sent this lender a dispute which entails that if they can not present to me a signed contract bearing my signature within 30 days, this account must removed from my credit reports. GM Financial has sent me a letter acknowledging the possible fraud on my credit file. I have included my relevant dispute documents with in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.

Complaint:
On XX/XX/2020 I contacted Afni Inc via certified mail regarding two violations they made. The bill was in the amount of {$1000.00} therefor I sent them an invoice in the amount of {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.

Complaint:
I do not owe debt as claimed by a XXXX XXXX collection agency. I have spoken to agent who has agreed to remove this debt. However, I have had recurring of debt being removed but re-reported numerous times into my credit files.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2022-10-26
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:
XXXXXXXX XXXX  is trying to collect a debt that they can not validate as mine. They refuse to provide copies of original contract and bill outlining the alleged balance and are reporting the account as open when it is closed meaning inaccurate information to XXXX and Equifax. The credit amount owed is incorrect and has not been validated. I never signed a contract. They refuse to provide or show any proof of contract showing tht the debt was ever mine. Id like it to be removed from my credit reports and for the bureaus to delete this from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
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:
The following company never proved their methods of verification through several stages of written credit disputes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX this company then illegally sold my information to another credit company in the process of these letters being sent ) XXXX XXXX XXXX  BANK -Attorney General-Child support -Dept of Ed/XXXX  XXXX Options XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank Of Missouri Ret The letters that were sent out are as follows : dispute letter XXXX XXXX mailed on XX/XX/XXXX and received on XX/XX/XXXX XXXX letter XXXX XXXX no response letter mailed XX/XX/XXXX after over 30 days of no response dispute letter XXXX -- VIOLATION OF FCRA RIGHTS DISPUTE LETTER # XXXX mailed XX/XX/XXXX after 30 days of no response or correction to the credit reports.

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 2021-07-12
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:
Pursuant to 15 USC 1681a ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which states, The term CREDIT CARD means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Notice, Congress said ANY card. The credit card is my social security card. This is the credit card is used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
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 acct # XXXX and XXXX acct # XXXX, has violated my rights. 15 USC 1681 section 604 A Section 2 also states consumer reporting agencies can not furnish a account without my written instructions. 15 USC 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 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information related to a 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