hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation

Complaint:
I sent my payment to Fortiva credit card on XX/XX/2023, from XXXX XXXX XXXXXXXX bill pay. 
According to Bank XXXX XXXX, the money was delivered on the XXXX. 
At the time, my debt was {$1400.00} and cents. Just in case, I sent them {$1500.00}. 
( If you check my payments, you will see that I tend to send more than what is owed. ) When I checked my Fortiva statement on the XXXX XXXX XXXXXXXX, I noticed no credit was shown. 
I emailed them the proof from XXXX XXXX XXXXXXXX. 
No response from Fortiva. 
All I received was a letter from them dated XX/XX/XXXX telling me that my account was past due. They had imposed late fees as well as interest charges I emailed them a second time ( the same day ) asking them to eliminate all charges and properly credit my account. Failure to do so would precipitate this action. 
As usual, no response has been sent. 
This is why this complaint is been sent. 
I have all the documents to back up my claim. 
Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
On my transunion account it is showing XXXX XXXX XXXX as a derogatory mark. That account should have been closed. It is still reporting as opened on my credit report.

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 2022-07-11
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 been submitting multiple written complaints about & to Experian regarding the fraudulent information being reported on my file. The last one being sent to Experian on XX/XX/2022 with complete attachments of my personal information including the Police Report. This Complaint was submitted through the CFPB to inform Experian that I am a victim of identity theft. And the accounts listed below to DO NOT belong to me. I had no idea how they were opened, I did not benefit from them being opened nor do I have any knowledge who opened, how they were opened or any additional knowledge about these accounts. I do believe it was a family member & I did report it to the authorities & am submitting a report from the local police depot where the theft took place. I need the following accounts removed/blocked from my file. I have contacted ALL data furnishers to inform them of the issue as well & they all agreed to block/remove them from my credit. I'm growing tired of Experian 's lack of FCRA laws. I feel they have violated 605 ( b ) not to mentioned 616 & 617 by willfully noncompliance. Please see they are held to the highest legal standard. Please removing the following accounts from my report. 
XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX ... 
XXXX XXXX XXXXXXXX Account number XXXX .... 
XXXX XXXX XXXXXXXX Account number XXXX .... 
DIVISION OF CHILD SUPPORTXXXX  Account XXXX XXXX .... 
XXXX XXXX Account number XXXX .... 
XXXX XXXX XXXX Account number XXXX .... 
XXXX XXXX XXXX Account number XXXX .... 

I'm attaching all the necessary information pertaining to the theft/incident along with identity theft reports, my photo ID & address information.

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 2023-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
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:
This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.

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 2022-11-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OLIPHANT FINANCIAL, LLC

Complaint:
I have made XXXX attempts with Oliphant Financial to obtain information about the alleged debt and I have not received a response. I used the collectors website contact us button and also the information email : XXXX. I have not gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
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:
XXXX XXXX, Experian Information Solutions , Inc., and XXXX XXXX XXXX has no permissible purpose to be furnishing this information pursuant to 15 U.S.C 1681b. I am aware neither one of these conditions apply, and XXXX XXXX, Experian Information Solutions , Inc., and XXXX XXXX XXXX is furnishing information from XXXX XXXX, XXXX. In addition, XXXX XXXX is involved in Racketeering Activity along with XXXX XXXX, XXXX. by furnishing negative, inaccurate information, oppressing and harming XXXX XXXX XXXX, Consumer. In addition to receiving proceeds derived from such Racketeering Activity. Convictions of Racketeering Activities carry up to a XXXX XXXX XXXX of Chief Executive Officers of all parties involved. All three of the Consumer Reporting Agencies are reporting this account as, " Closed '' when, as of XX/XX/2022, XXXX, " XXXX XXXX XXXX. '' stated that this account is still open. Which is false representation of the status of the account. All of the Consumer Reporting Agencies are in violation of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I checked my personal credit report, which I acquired from your organization on XX/XX/2017 date of report ] and I noticed an unauthorized inquiry had been made. 

I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into [ XXXX XXXX ] inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.

Thank you for your assistance in this matter 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 explanation
Consumer complaint received 2016-04-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Utah System of Higher Education

Complaint:
I had my federal student loans at multiple places, XXXX and XXXX, and applied to have it consolidated, to XXXX. During the consolidate however XXXX decided that they to sell my loan, to XXXX. XXXX never bothered to verify that information was still accurate after they completed their process before they sent the money. XXXX is now charging me for the new consolidated loan even thought the original loan still exists. XXXX has now been paid twice for the same loan they claim to have sent the money to XXXX however XXXX claims to never have received it, even though it has been over a month, and is continuing to charge me for the loan. I have spoken to customer service at each company multiple times and all they do is tell me to call the other companies. Having the loans duplicated is hurting my credit and having to pay the same loan twice is straining my budget. Even if I eventually get this worked out and get reimbursed the money I am paying to the principal, I doubt I will ever get back the payments I am making to the interest. Right now everyone is making money off of me and I end up with double the debt and having to pay the same loan twice, and the longer this goes on the more it is costing 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 2023-05-24
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
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:
According to FCRA the list of accounts pertaining below have violated my federal protected consumer rights ( privacy and confidentiality ) under 15 USVC1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Right to privacy 15 U.S.C 1681 SECTION 602 A Consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 SECTION 504 SECT 2 15 U.S.C 1681C ( A ) ( 5 ) section STATES : NO CONSUMER REPORTING AGNECY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY F THE FOLLOWING OF INFORMATION any other adverse item of information, other than records of conviction of crimes which antedate the report more than seven year Lastly, 15 USC 1681S-2 ( a ) ( 1 ) s PERSON may not furnish any info 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 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXXXXXX Balance : {$910.00} ; XXXX XXXX XXXX XXXX Balance : {$870.00}

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 non-monetary relief
Consumer complaint received 2016-09-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Consultants, Inc.

Complaint:
I sent in a letter for validation with electronic return receipt and it was delivered on XXXX XXXX, 2016. It is now XXXX XXXX, 2016. I have not received a letter of validation. I called XXXX on XXXX XXXX, 2016 asking for the account to be removed since I did not receive validation and it 's been more than 30 days. Their response was that Diversified Consultants verified the account with XXXX on XXXX XXXX, 2016 but I still did not receive validation as I 've asked. Now I am requesting deletion but XXXX refuses saying that they will send validation in 7-10 business days. It 's been longer than the 30 day mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.

Complaint:
This complaint is being filed against XXXX XXXX Bank that issues the XXXX  XXXX   Retail XXXX XXXX of 2017 I made a purchase on my account for {$120.00}, there was a payment due on the account which was missed so a late fee of {$25.00} was applied, so I paid my balance that was due on the account and the bank has continued to charge me late fees when I have no outstanding balance and no transactions.I have tried to speak with XXXX of their supervisors about this matter but they are unwilling to remove these and continue to charge late fees upon late fees I can only assume to generate more money for the bank with no transactions that have been charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
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 previously notified your company that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. 

As I stated before : I am a victim of identity theft. I filed my original Identity Theft Report with the Federal Trade Commission on XX/XX/2021, report # XXXX. As well, I filed a complaint with the Consumer Finance Protection Bureau on XX/XX/2021, Complaint # XXXX, with your company XXXX XXXX  and sent the same information to Experian, XXXX and XXXX. 

I recently pulled a copy of my credit report on XX/XX/2021, and found that XXXX XXXX is still reporting this fraudulent information to my Experian Credit Report. I have enclosed a copy of the new FTC Identity Theft Report, Report # XXXX, filed on XX/XX/2021. I also have enclosed a copy of the FTC 's Notice to XXXX, which explains your responsibilities when reporting information to the CRAs.

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 2023-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
XXXX account number # XXXX XXXX account # XXXXXXXX XXXX account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX 15.U.S.C 1681 section 602 A.states I have the right to privacy 15. U.S.C 1681 section 604 section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction 15. U.S.C 1681C ( a ) ( 5 ) section states.no consumer reporting agency may take any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime 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 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 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company

Complaint:
Due to a recent escrow change in XX/XX/2023, my usual automatic monthly online payment was made in the amount of {$690.00} versus the new increased amount of {$790.00}. As a result, Freedom Mortgage placed my on-time {$690.00} payment in a suspense account and the payment was not applied to my balance. This created a 'late ' payment status that was reported to the credit agencies, causing a significant impact to my credit score.

When I reached out to their customer care team, my request to update ( remove ) this late payment status to all credit agencies was declined. I was informed a letter was mailed to me to notify me that my payments were increasing in XXXX. Unfortunately, I did not receive this letter. Had the letter been sent as certified or trackable- or even a different color paper or envelope to differentiate it from the barrage of marketing collateral from Freedom Mortgage - I would have received it and would have adjusted my online banking payments accordingly. 

I've reached out to the following people, and none have provided the courtesy of an acknowledgement of my request. None of the executives have responded to me. 
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 explanation
Consumer complaint received 2021-08-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.

Complaint:
I sent a complaint about so many inaccurate details information on XX/XX/2021. but to this day over 60 days have passed I still have no response coming from you. I feel like they are not taking me seriously for some reason, I was told that by law, you were supposed to respond within 30 days so is clearly a violation. I will seek legal help if i need to but I want these inaccurate information on my report deleted. if i need to take this to the next level I would but i hope this issue will be resolved soon and get me cleared from any misleading details. I am going to wait for your response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY

Complaint:
We bank with Wells Fargo. We just paid our rent and checked to see if our rent check cleared on XX/XX/XXXX, when we saw a transaction on XX/XX/XXXX from a company listed as XXXX XXXX XXXX for {$250.00} that we supposedly made on XX/XX/XXXX. Not only was this transaction not authorized by us, we have no knowledge of the company. We called Wells Fargo that day to dispute, but it is still listed as an authorized purchase.

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 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.

Complaint:
I XXXX XXXX, XXXX and natural person am a victim of identity theft. XXXX, equifax and XXXX has used and furnished my consumer report without my authorization, consent or written instruction. They have neglected my rights as a consumer by allowing companies to to share my non public personal information without my consent, as well as using that information to furnish a fraudulent consumer report on my behalf. Congress makes it clear that as a consumer i have a RIGHT TO PRIVACY. These credit reporting agencies also known as financial institutions have violated my federally protected rights as a consumer with right to privacy by failing to meet the needs of congress by ensuring that they exercise there grave responsibility with respect to the confidentiality of my personal non public information. The FCRA was intended to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the consumer rights to privacy. These agencies are in direct violation of the FCRA and Gramm Leach Bliley Act of 1999.

Company response to consumer: Closed with explanation