hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-02-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC

Complaint:
On XXXX XXXX, 2022, I the consumer contacted ABILITY RECOVERY SERVICES LLC to send me proof that validates I have some contractual obligation to pay ABILITY RECOVERY SERVICES LLC. I received this response to my complaint made against ABILITY RECOVERY SERVICES LLC on Acct # XXXX : ABILITY RECOVERY SERVICES LLC is continuing to report on my credit profile alleging Acct # XXXX was verified pertaining to an alleged debt for {$2200.00}. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing Acct # XXXX is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. Failure on ABILITY RECOVERY SERVICES LLC behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

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 2023-07-31
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:
This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts and inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Please remove these items ASAP.

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 2020-10-29
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

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 2022-08-06
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 recently checked my updated personal credit report and I noticed that there are unauthorized inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that CREDIT BUREAUS initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unathorized inquiries as soon as possible : XXXX XX/XX/2021 ; XXXX XXXX XX/XX/2021 ; XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; 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 XX/XX/2021 ; XXXX & XXXX XX/XX/2021 ; XXXX XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2017-05-27
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Broadway Account Services

Complaint:
I was called on   XX/XX/XXXX  by   XXXX   XXXX   XXXX   who told me they were located in NY. The wanted to collect a debt for the pay day loan institution   XXXX   XXXX   and told me that I was to pay {$1100.00}. I never owed that much, but {$200.00}.   XXXX   XXXX   told me that I could keep it out of court to settle it and gave me the option of paying {$50.00} per month which would bring the total debt to over {$1500.00}. I asked them what the original amount was and they said that they did n't have that information because fees from other collectors had been tact on by   XXXX   XXXX  . I received no mail or email whatsoever from   XXXX   XXXX   XXXX   prior nor after, not even a receipt. I paid it and discovered their accountants company on my bank statement known as Broadway Account Services. I contacted them on   XXXX   XXXX   XXXX   and told them that I suspected fraud with   XXXX   XXXX  . They said they would refund me if something was wrong, and asked me if I was issued a receipt from   XXXX   XXXX  . I said no and a few days later received an email receipt from Broadway Account and a hard copy receipt mailed to me. I tried getting hold of them and they did n't contact me after the second conversation. I contacted   XXXX   XXXX   and the agent   XXXX   XXXX    contacted me by phone. She did n't seem to have any answers to my questions in her first conversation with me as she tried to collect but listed all the info she had on me when she called back. I told her that I was planning to investigate it and call my creditor. I got hold of   XXXX   XXXX   who bought out   XXXX   XXXX  . They said they sold the debt to a collection agency who went out of business in  XX/XX/XXXX . My small debt was 13 years old. They also advised me to contact the BBB, FBI, FTC, and my bank to dispute the amount debited which was {$1100.00}. They told me that pay day loans do n't sue nor charge outrageous fees. I would like a full refund from Broadway Account Services. Even if this is impossible, I hope you can catch the crooks so that others will not issue them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
I received a letter from XXXX and XXXX claiming I owe a debt that they never validated nor did Portfolio Recovery Associates. The business is posing as an attorney, yet they have no jurisdiction over me. I want them to leave me alone permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL

Complaint:
My CareCredit ( XXXX ), I was paying on the {$2400.00} balance which I used last year before getting dental coverage through XXXX XXXX XXXX  XXXXXXXX XXXX XXXX. My last month 's balance was {$1600.00} plus, after paying XXXX bill of {$99.00} XX/XX/2022 I received a bill stating that my balance is ( Payment Due Date : XXXX, Statement Balance : {$2400.00} exceeds the opening balance, with a total Minimum Payment Due : {$80.00}, not counting the {$99.00} paid XX/XX/2022 through bill pay from Credit Union ( XXXX  XXXX ). 
I was told that Care Credit retroactively added the 24 % interest from last year, this is unfair business practice. 
I want the balance restored to the balance as of XXXX and give me time by XXXX to pay off that balance. Once my request is honored, I wish to have no further dealing with this bank, because of their business practices. 
The bank 's actions represent greed and unfair business practices and being a senior on a fixed income their action causes undue hardship on 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 monetary relief
Consumer complaint received 2020-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK

Complaint:
After multiple complaints about an internal error within the Discover application system and reporting the information to the the CFPB, Discover has blacklisted me from getting a credit Card from them. The sad part is that when banks, creditors, lenders need a bailout the government doesnt blacklist them. I had a Discover Card Back in 2018 never ever late and paid in full. Two weeks later they closed it. Since I reported it to CFPB they have chosen to retaliate against me by giving me the following reason for declining the card ( even though I get pre approved ) and I have never been late payment on my creditors is impeccable.

Thank You For Youre Interest In Discover We Could Not Approve Your Request Due To The Following : Status Of Existing/ Prior Discover Card Account I reported this to XXXX XXXX Executive Office Of Customer Advocacy whos job is just to reassure me that I am on the Discover Black List for Filing A Complaint. 

The matter wasnt even resolved but I do believe that I am currently being definitely discriminated against because of my current address and age too.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint:
I had an auto loan with XXXX XXXX  and it is now Paid in Full as of XX/XX/2020. I received a letter from XXXX XXXX  confirming and verifying that my auto loan is now paid in full however, it is not reflecting on my credit report as paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), Equifax must check this item ( A ). It is unacceptable to list this item as information without verifying it within the legally mandated time frame. I require an investigation, a correction, or a removal of the account on my credit report. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc.

Complaint:
CREDIT CORP SOLUTIONS INC has received several disputes from me in the mail, and they have failed to validate the account in any way. They have also continued to report a disputed debt. They are in violation of both the FDCPA and FCRA and I am trusting you to handle this case with extreme prejudice!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
The HELOC is a secured loan on a property that was foreclosed. The foreclosure date is XX/XX/2012. I stress that the delay in recording the trustees sale is a manipulation of how their items is reporting to the credit bureaus and is a violation of the FTCs Fair Credit Reporting Act guidelines as this is not reporting to your credit fairly or accurately.

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 2015-05-06
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Designed Receivable Solutions, Inc.

Complaint:
I was contacted last week on behalf of this company telling me about a debt for my daughter. They did not explain to me that I could dispute this claim nor did they mail me any information about this debt. The collector was very rude and I was just trying to figure out what she was talking about. I filed a complaint with the XXXX as well. But, it should be against the law for them to add this on my credit report without giving me all the information. I believe that someone has been fraudualent and used my medical information. They put this on my credit report without telling me that they would do so. They even said hey spoke to my husband in XXXX. I am. It married.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
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:
Due to understand Equifax have a incorrect address on file allowing XXXX XXXX LL to report false information an illegally debt have anything know account number show to different amount XXXX XXXX XXXX paid another not have no knowledge of these accounts not just that I had to correct my date of birth to Equifax now XXXX credit report they allowing the same problem false account information due buying my data my personal information to collect a debt with a written statement an signature document an identification number on file provide by law government law they in violation of credit report agency consumer act requirements I requested everything should be removed an deleted from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.

Complaint:
I over look my credit report and I see some activity that is not mine

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 2021-08-06
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: EQUIFAX, INC.

Complaint:
There are 3 accounts reporting on my Equifax report that do not belong to me. 
The accounts keep coming back as verified when Equifax submits disputes for these accounts. Verification is confirming who the original creditor is, which is myself, XXXX XXXX. I submitted an FTC report to equifax and it was received by them on XX/XX/2021. 
The accounts are as follows : XXXX, XXXX, XXXX XXXX XXXX. Please block and delete these unauthorized accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
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:
This account was closed as a charge off in XXXX of XXXX, however the company continues to keep the account open and report late payments each month on my credit report. 

This gives the appearance to creditors as if this is a new open account with new late delinquencies which is completely untrue. 

XXXX XXXX  should not be allowed to classify this as a charge off, yet keep the account open on my credit report and report new late payments each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 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 2019-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.

Complaint:
In XXXX of this year, approximately XX/XX/13 I contacted Citibank because I was not able to get my bank statements online. I was receiving an error on the website and I am not receiving my statements in the mail either. I was told I would hear back from them in a few days and its been almost 2 months and I have not heard anything and I still can not get my statements. 
This is not an issue with my computer or web browser because I was on the phone with Citibank 's website support and they tried to get me to wipe out my cookies and other things. I also tried several different computers on different servers and I was still having the same problem

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 2022-09-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SG and Associates

Complaint:
I received a notification, Friday XX/XX/2022 from XXXX that a new collections account was added to my profile. The collections account is from a debt buying company I've never heard of, nor have I done any business with. The company is called : Company Name : Stafford Group & Associates Phone number : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX and Fax # XXXX Website : staffordga.com Address : XXXX XXXX XXXX, XXXX, CA XXXX Email : XXXX I called the company immediately, after speaking with an XXXX representative ; there was no answer. On Monday, XX/XX/2022, I received a message from someone at Stafford Group & Associates by the name XXXX XXXX I returned the phone call, and things went downhill. The rep from Stafford Grp & Assoc was very rude, mean, and condescending. I asked to speak to someone above him and he would not transfer me to anyone. I then told him that what they were doing is complete fraud, and his response was " prove it ''.

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 2015-05-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Ditech Financial LLC

Complaint:
I received an alert on my experian report on XXXX XXXX XXXX that there 's a change on my credit report. I log on my report to find an account from green tree servicing l a count # XXXX showing a debt of XXXX that I owe. They do n't have the original creditor reported on the report. From the date it show this was opened XX/XX/XXXX green tree bought an expired debt that is well over the statue of limitations from hsbc. They knew this when they purchased this debt which is why they did n't notify me to dispute this before they reported it to my credit report. Green tree servicing are know for illegal actions such as this XXXX. I have enclosed a copy of an experian report dated XXXX XXXX XXXX that shows the original creditor XXXX XXXX account # XXXX ... the debt shows the account was opened XXXX XXXX balance and the date this was removed from my report XXXX XXXX. This was written off XXXX XXXX and has been past due months before it was written off which is why this is no longer on my credit report. I also in closed a copy of my current report with green tree servicing on my experian as of XXXX XXXX XXXX with this expired debt. The date opened is the same XX/XX/XXXX. This debt is expired and should not be on my report. XXXX has been deleted from all three credit bureau since XX/XX/XXXX. Green tree have purchased and expired debt.

Company response to consumer: Closed with non-monetary relief