hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-08-15
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:
This is my 19th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NATIONSTAR MORTGAGE LLC

Complaint:
I filed a complaint on XXXX XXXX, 2017 and have not a response mailed to me by Nationstar. What is their problem? I filed a complaint against them and I demand an answer to my complaint, in writing from them immediately!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
in accordance with the Fair Credit Reporting act XXXX * Account # XXXX -XXXX XXXX XXXX * Account # XXXX - XXXX  * Account XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXXXXXX  ) * Account # XXXX - XXXX XXXX original creditor XXXX ) * Account # XXXX - XXXX XXXX XXXX  ( original creditor XXXX  ) *Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights . 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.

Complaint:
XXXX XXXX XXXX is not reporting if this account is open or closed. 

That is rediculous!.

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 2021-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-23
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:
On XX/XX/XXXX I sent transunion my police report to fix the incorrect information that is on my credit file XXXX XXXX the company is adding money to my when its being reported I sent the receipt where the balance and where on there website its different balance account should be removed XXXX XXXX XXXXXXXX has a payment agreement when I had XXXX in 2021 I have been paying monthly the FCA says company cant report late if you have agreement due to XXXX account all late payments should be deleted

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 2016-04-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA

Complaint:
In XXXX we submitted an application to switch my wife 's student loan repayment plan from XXXX to REPAYE. The application has still not been completed and we are being asked to pay an amount that makes no sense. I understand one month requires a {$5.00} forbearance amount, which we did for XXXX 2016, but now they want another {$5.00} payment for XX/XX/XXXX which will not count toward our 120 payments for Public Service loan forgiveness program. We get excuses like " it is being processed '' & " we have put in for it to be expedited '' but it should not take this long to get done. 
In XX/XX/XXXX I filled out the required annual income verification to remain on a reduced payment due to income and a request to switch from XXXX to REPAYE, and they rejected my application and have placed me in the the Standard 10 year Payment plan which tripled my month payment due. They claimed I did n't sign my application, but it 's an electronic application that you ca n't submit without a " digital signature '', when I called FedLoan they blame the system and say they ca n't access the application to " see it '' to verify the application was submitted correctly. This is ridiculous. They blame the system, and blame " processing ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Patient Accounting Service Center

Complaint:
I received letter dated XX/XX/XXXX stating payment was due on XX/XX/XXXX and a courtesy plan was set up. I was never advised I could verify or dispute debt. In addition, I have made a payment on XX/XX/XXXX and I asked the representative if there would be a follow-up letter sent out in regards to the payment and she stated it would. I never received the letter. I fortunately saved the previous letter and called to make a payment on XX/XX/XXXX and asked the representative about my previous conversation with the representative and he told me that they do not send out multiple letters unless there is a payment arrangement set up and I asked, How can I verify what is due and the payment amount. I advised that typically collection companies will send out some form of communication regarding the debt he advise that their company does not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, US DEP ED,  XXXX. 
Company Inquiries 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 2019-08-19
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:
THE DISPUTED ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME, THOSE ACCOUNTS ARE INACCURATELY PLACED ON MY CREDIT FILE AND I WOULD LIKE TO HAVE THEM REMOVED. THOSE NEGATIVE ACCOUNTS HAS HINDER MY CREDIT FILE AND HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT FILE AND NAME. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT ONLY ACCURATE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.

Complaint:
I opened a Credit Card account in XX/XX/XXXX and had a charge off in early XX/XX/XXXX, I opened the account while living in XXXX. I moved to XXXX in late XX/XX/XXXX and in XX/XX/XXXX I received a letter saying that I was being sued for this debt but in XXXX, I read online that the credit card agreement and laws of XXXX applied to the account I even spoke with XXXX XXXX and they said the same thing. I wrote to the Law office and they sent me a letter saying that they couldn't pursue the case I than called them and spoke with them and they said the case was over. In XX/XX/XXXX they opened the case again and are trying again to the get the money for the zombie debt. I went to court and the judge kinda agreed with me about it, but wasn't 100 % sure I have to go back to the court again. The XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX is violating my rights. Statute of Limitations in XXXX is 3 yrs and XXXX is 10 yrs.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
Hello- This is a transaction involving my Banker Capital One 360 and XXXX . I had registered on XXXX my Capital One Checking account. On XX/XX/XXXX a suspicious transaction of {$530.00} was noticed on my Bank account. This amount was withdrawn by XXXX from my Capital one 360 account. Subsequently i logged a incident with Capital one and XXXX on the same day. Later on XX/XX/XXXX Capital One 360 credited this amount back into my bank account, so did XXXX on XX/XX/2020. So i received a double credit from both the financial institution. I had to refund the amount back to XXXX Instead of enabling the process the ACH freeze had been put on my account and iam unable to transfer the amount back to XXXX. Reached out to my Bank Capital one and they pass the buck to XXXX and XXXX back to the Bank. I get reminders on the email to credit XXXX with XXXX, which i want to. However, because of ach freeze on my checking account, iam unable to do so. 
Have been a longstanding customer with both the financial institutions over 10 plus  years. This is the first time iam encountering such utter customer dissatisfaction. 

They are refusing to provide basic service and it is appalling. 

regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL

Complaint:
I paid {$2000.00} of my Paypal Mastercard XX/XX/2018. While the card issuer accepts this, as of XX/XX/2018 the amount has not been applied and I'm told it takes 7 days. This is an unnecessarily long delay since the money has been paid by my bank XX/XX/2018 and results in the bank/credit card company holding {$2000.00} interest-free and denying my use of the funds with my credit card because they keep it unavailable.

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 2018-12-07
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:
My loan payments were always sent on time. I keep explaining this to Equifax and XXXX but they keep on saying that the accounts are accurate and they have verified it..The accounts were not reported correctly and I would like it fixed! Please correct the status because I was never late on my XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC

Complaint:
I put in a complaint maybe a week ago transworld systems Inc. Were calling and harrasing me from different numbers now they are calling impersonating an I.R.S. agent saying I owed them money and they were filing a case against me to call in and rectify the situation ... the first time I called they didn't say anything the second time I called they had a promted opening this is the IRS I am agent so and so to the end of the conversation so I asked them to pull up my XX/XX/XXXX & XX/XX/XXXX  taxes so they hang up I have the number they called from and the message they left. This is outrageous I don't owe the debt so they are going to these lengths and tactics to get me to agree to the debts so uncalled for and I would like some resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
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: Maximus Education, LLC dba Aidvantage

Complaint:
Today on XX/XX/2023, I contacted Aidvantage by phone XXXX. The XXXX  time I contacted them, I was hung up on as soon as I brought up the fact that I did not give Aidvantage or Department of Education clear and concise, written permissible purpose to furnish my financial information to XXXX, XXXX or XXXX. These institutions are in clear violation of several federal laws including Consumer Financial Information Rule of the Gramm-Leach-Bliley Act via the Federal Trade Commission. 

The second phone call I was told by Aidvantage that XXXX  XXXX or Department of Education gave Aidvantage permission to furnish XXXX accounts on my consumer report. I asked to excercise my right to opt out of my private information being reported and was placed on hold for an extensive period of time. This is also another federal law that these institutions have not complied with and are in clear violation. Please see 15 U.S. Code 6802 ( b ). XXXX  or both of these financial institutions are conspiring to commit identity theft against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.

Complaint:
Dear Sir/Madam, I am writing to formally dispute an account and multiple hard inquiries listed on my credit report. After reviewing my credit report, I have identified an accounts that I believe to be inaccurate or unauthorized. 
I am providing the following details regarding the disputed account : 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 Explanation of Dispute : I request that you investigate this matter and remove the disputed account and inquiries from my credit report promptly XXXX As per the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit bureau to ensure the accuracy and integrity of the information on my credit report. 
Please provide me with a written response within the legally mandated timeframe of 30 days. If you find that the inquiry is inaccurate or can not be verified, I request that you remove it from my credit report immediately. Additionally, please send me an updated copy of my credit report reflecting the changes made. 
I appreciate your attention to this matter and the timely resolution of my dispute. Please inform me of any further actions required from my side to facilitate the investigation process. You can contact me at- XXXX if you require any additional information. 
Thank you for your prompt assistance in resolving this dispute. I look forward to a satisfactory resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Product: Credit reporting 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:
I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition.

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 2022-09-19
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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

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 2017-11-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: North Shore Agency, LLC

Complaint:
In XX/XX/XXXX I moved back to XXXX from XXXX. XXXX was my cell phone carrier at that time. Before moving back the USPS stopped allowing XXXX XXXX. to have PO BOX 's and in turn all mail must be addressed to a physical address. XXXX was notified. I had also changed my mailing address to reflect my move 2 times online with XXXX to reflect XXXX XXXX. Their " system issues '' as described to me on the phone were rejecting my updated mailing address that I had before leaving XXXX to move back to XXXX. After my previous phone died, I decided to utilize the " switch to XXXX '' promotion and " we will pay your early termination fees up-to $ $ $ amount. While you also get to keep your current phone number '' After I had paid my last bill I had called XXXX 2 times, the month of and the month after, both individuals knew of the ordeal and reassured me that I did n't owe XXXX anything, XXXX covered all remaining charges. XXXX needs to provide these phone recordings in order to proceed, along with verification that they did, mail paperwork regardless of paperless billing- that I did not receive at my mailing address in XXXX XXXX. showing that I owed XXXX any balance. Both family in both states have not received paperwork from XXXX stating that I owe them anything. I have had an excessive amount of advertisements sent to my mailing address in XXXX XXXX since I switched to a reliable carrier this past summer of XX/XX/XXXX.  The collections agency 's trying to contact me have been XXXX by phone in XXXX XXXX. and North Shore Agency. Both who have not been able to mail to the correct address in XXXX, or as XXXX even mailed anything to me in XXXX  or XXXX. My family would defiantly have let me know and either forwarded or called to provide me the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
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 not familiar with the inquiries mentioned, and I kindly request that you address this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : o XXXX XXXXXXXX BANK XXXX XXXXXXXX Balance {$360.00} o XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00}

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
Consumer complaint received 2019-03-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
Portfolio Recovery associates attempted to collect a debt that was allegedly transferred from XXXX XXXX XXXX. 

I filed for Arbitration with XXXX XXXX as permitted in the contract. 

Portfolio Recovery failed to pay the fees to initiate Arbitration. 

This is a severe violation of my rights. Including FDCPA, FCRA, and breach of contract. 

They continue to report this account to XXXX and XXXX.

Company response to consumer: Closed with explanation