hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2017-05-23
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pinnacle Credit Services, LLC

Complaint:
Regarding Pinnacle collection services. They state that I owe  XXXX  {$40.00} fr om 2013. I  have never had an account with  XXXX . The amount is petty. I have more than enough money to pay the {$40.00} but why would I pay someo ne one cent  of my money if I do n't owe it?     What are the details of the alleged debt? Cell phone? Home phone? If so, why such a small dollar amount???? Does  XXXX  have any other records showing a history of payments or me doing business with them? I do n't think so because I have never had this account in question.     It 's not fair that they can add this to my credit file without substantiating the account.     Please look into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
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:
After numerous disputes regarding fraudelent items on my credit report, the items have still not been removed. The credit reporting agencies are stating the items in dispute are " verified '' even though the items are fraudulent. 

I am including my FTC report as well as other supporting documents in hopes that the CFPB will help me to get a resolution.

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 2020-05-27
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: Experian Information Solutions Inc.

Complaint:
i have sent documentation to both XXXX  and Experian, that shows that the XXXX account was opened by identity theft. i sent them a police report and my address at the time that it was opened that i did not live in the area or even the state where it was opened. and yet, they are still reporting this as accurate. i have asked them to show me documentation that shows my signature and they can not produce it. XXXX   couldnt verify it and they deleted it so how are XXXX  and Experian reporting it as accurate??

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 2023-06-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CNG FINANCIAL CORPORATION

Complaint:
This company had continued to violate my consumer rights by reporting inaccurate information to the credit bureuse that i owed them a debt that they bought from another company whom i never did business with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
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 accordance with the Fair Credit Reporting Everything has to be XXXX XXXX accurate on my credit report The credit bureaus stated my account was properly investigated but, how is that possible if the open date is inaccurate, the date last active is inaccurate, the date opened is inaccurate. This is ground for removal. They also violated my rights under 15. U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 also states a consumer reporting agency can not furnish 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 2023-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP

Complaint:
On XX/XX/2023 I opened a US Business Bank Checking account with a promo to receive a {$400.00} bonus if the following terms were met : 1- Enroll in online banking, 2 - Make 5 debit card transactions, 3 - Total deposits of {$3000.00} within 30 days of account opening. As you can see in the attached screenshot, I was given confirmation on XX/XX/2023 I was enrolled in the bonus and had already enrolled in online banking. I then made 5 transactions, and deposited {$3000.00} as shown in the screenshots. 

A couple months later I followed up to ask when I would receive the bonus, since I had met at the terms. They informed me that I was not enrolled in the bonus, as the bonus expired on XX/XX/XXXX, and I signed up XX/XX/XXXX. This was not the case, as I signed up directly online, so if the bonus wasn't applicable, it should not have been showing. Also the agent should have never informed me I was enrolled in the bonus and on my way to meet the requirements. 

I am seeking payment of the {$400.00} bonus that is owed to me for meeting the terms of this sign up offer.

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 2021-10-18
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:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
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: Experian Information Solutions Inc.

Complaint:
It's a {$170000.00} loan my ex wife has thru our divorce. I signed the house over in the divorce. I've tried putting in a dispute when i saw it on my credit report. I have no ties to that house. I did try contacting the creditor, left a voicemail and still haven't gotten any responses. It's thru XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX I just want it off my credit report. Like i said, i signed the house over in XX/XX/2010.

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 2018-01-31
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: AMERICAN EXPRESS COMPANY

Complaint:
OnXX/XX/XXXX XXXX XXXX arrived in XXXX XXXX and made a cash withdrawal at the International Airport. 
A second cash withdrawal datedXX/XX/XXXX appeared on our account allegedly from the same ATM at the international airport. This was discovered onXX/XX/XXXX upon return from XXXX. 
On the day of this alleged cash withdrawal at the international airport, XXXX XXXX and daughter were more than 50 miles away on a vacation excursion. XXXX XXXX was in XXXX during the entire period. No cardholder made this cash withdrawal. 
Despite numerous attempts to resolve this issue with XXXX XXXX XXXX, the only conclusion they can reach is that XXXX XXXX had the card in her possession and had the PIN ( which was not personal as the pin was issued by XXXX XXXX ). 
All undisputed charges incurred during this billing period for XXXX and XXXX were paid XX/XX/XXXX with a subsequent payment for international fee charges and interest on the undisputed cash withdrawal. All subsequent and current balances on this card are related to the alleged cash withdrawal. A detailed time line is attached. There has been no attempt by XXXX to resolve this either as admitting a mistake, determining fraud or providing XXXX XXXX to an excellent customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-20
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2023-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP

Complaint:
I have been banking with the same bank for many years and I recently closed my credit card because of it being so high and I wanted not to use it. 
since I closed it in XXXX of 2023 I noticed I have been getting 2 finale charges per month. 
1 of them is on cash advances which I understand but being charged over {$200.00} total in 2 months for a cash advance on {$400.00} is ridiculous. 
im XXXX XXXX XXXX and live on social security. 
this cant keep going on or I will file for bankruptcy

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 2022-12-08
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: EQUIFAX, INC.

Complaint:
This accounts were not mine and why are they on my report? This has been disputed last XXXX of XXXX however I haven't received any response from the respective agencies. I was taken advantage and now am I being ignored by them? This isn't fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
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.

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 2018-05-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.

Complaint:
" SOUTHWEST SYSTEM " I see service with that company under my name in a credit report and I have no clue about it, no knowledge at all regarding this. 
The service was opened on XX/XX/XXXX at {$1700.00} and up and right this month of XX/XX/XXXX the bill is now {$1900.00} up. I need help regarding this matter. Please Help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC

Complaint:
They call my cell number and my home number on the same day. They call both each day. They call and dont say who they are and ask for personal information. 

I have spoken to them and explained that this was an insurance error and that it would be paid in a week and asked them to stop calling for one week to see if it gets resolved. I also told them if it is not resolved in one week that I would pay it. 

I have asked them to stop calling and the above info XXXX separate times. 

They call from multiple unidentified numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Jon Barry and Associates, Inc.

Complaint:
This debt is invalid. The account was put on hold with the medical service provider while the provider reviews the account with the health insurance provider. I have spoken with the business office for the service provider ( XXXX / XXXX XXXX ) and they have confirmed that no account in my name has been sent to a debt collector. I have repeatedly advised the debt collector that the debt they seek to collect is invalid, disputed the collection, requested proof of the debt based on their information and asked them to stop calling. They continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC

Complaint:
On XXXX/XXXX/XXXX Debt Recovery Solutions , LLC sent what they claim is a second letter regarding a debt they claim I owe to XXXX in the amount of {$1900.00}. In their predatory letter they claim the debt is a " long outstanding obligation '', with a XXXX account opened on XXXX XXXX, XXXX. Not very long even if it were mine. Also the account was opened in XXXX, whereas I live in Oklahoma. I informed the predators that I have never had an account of any type with XXXX. My credit history also reflects that I 've never opened any account with XXXX XXXX because their services are questionable at best. I informed the predator 's representative, a XXXX XXXX, that refused to provide a real name, that I planned on investigating the matter. Said investigation will include a lawsuit. Apparently Debt Recovery Solutions , LLC is fairly familiar with being sued judging from the almost XXXX complaints on the Better Business Bureau website as well as the multiple addresses they use. " XXXX XXXX '' stated she would remove the hit from my credit record, but it 's clear that she has no intention of doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA

Complaint:
I am a victim of predatory lending by XXXX XXXX XXXX currently oweing {$40000.00} in student loan debt. I informed the U.S. Department of LaborXXXX XXXX XXXX defense form case # XXXX regarding this and nothing was done to resolve the matter. XXXX XXXX XXXX did not properly educate me. Often times the class was lead by instructors who themselves did not hold degrees and knew little knowledge of how to instruct a classroom. XXXX XXXX XXXX never explained the loan process, how and what my loans would be applied to. XXXX XXXX XXXX capitalized and took advantage of me knowing that I wanted to be properly educated and earn the quoted salary of {$90000.00} that each of the teachers kept stating that I would earn after completing my two year degree in XXXX XXXXXXXX XXXX. XXXX XXXX XXXX also stated that they would have an internship for me upon graduation but that never happened. The teachers also said they had connections with the local banks partially XXXX XXXX and they would be able to place students upon completion of the degree. All this was a factor in me deciding to attend XXXX XXXX XXXX. I am just now complaining because I did not realize I could back then. I attended school at XXXX XXXX XXXX from XXXX XXXX XXXX. Predatory lending imposes unfair, fraudulent, deceptive, or abusive loan terms on a borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Pendleton Capital Management

Complaint:
On XX/XX/2009 Pendleton Capital Management contacted me at XXXX XXXX. Before hours of being able to contact me concerning debt issues. The day before, I learned that they had contacted my other family members that I had not put down in the loan concerning this debt. The representative from their company is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.

Complaint:
Experian has not provided me with proof of the follow collection accounts : 1.XXXX XXXX XXXX Original creditor : XXXX XXXX  {$450.00} Balance updated XX/XX/2020 Account Info Tap labels for more details 2. XXXX XXXX XXXX IN Original creditor : XXXX XXXX XXXX  {$100.00} 3.XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$540.00} Balance updated XX/XX/2020 4.XXXX XXXX XXXX Original creditor XXXX XXXX XXXX {$440.00} Balance updated XX/XX/2020 I have contacted them on several occasions via telephone and via written notices 3 times. All of the above accounts listed has been removed from XXXX and XXXX   and my credit reports has been updated. This is hindering my on going home purchasing process for me and my family. This has been a very stressful process with Experian and I don't know what else to do at this point.

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 2022-12-07
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: Experian Information Solutions Inc.

Complaint:
When I checked my credit record, I discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2600.00}

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