hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2021-02-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivable Solutions, Inc.

Complaint:
I was contacted by Receivable Solutions, Inc. in XXXX, SC about medical bills. I received my first statement XX/XX/2020 showing a balance of {$3400.00}. I made a payment of {$100.00} in XXXX, XXXX, XXXX, and XXXX of {$100.00} each month. The next statement I received was dated XX/XX/2020 with a balance of {$3000.00}. I sent a payment in XXXX of {$100.00} and received an XXXX statement with a balance again of {$3000.00}. The next statement was dated XX/XX/2020 with a balance of {$690.00}. I sent {$100.00} payments in XXXX, XXXX and XXXX. The payments in XXXX and XXXX were never deposited. They contacted me in XXXX and I asked them at that time for a printout showing the payments I had made and how they were applied. I have received nothing from them since. Today they called me and told me I needed to make payments. I told them I won't make another payment until I receive a statement of some kind and reminded them that my two payments were never deposited. The girl on the phone made excuses about how the mail has been unreliable because of the pandemic. This company has no website to check your balance. There's no way to make an online payment. I can make a payment over the phone with my debit card but get no receipt or statement to show the payment was made. I do not trust that this company is honest or legitimate. Their communication with me has been so erratic that I don't believe them to be a reliable business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
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:
XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX : XXXX To XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. Per the credit reporting, it states XXXX  reporting payment status as collection/charge-off, comments states payment after charge off/ purchased by another lender, Who was this??????. and date of last payment as unknown. XXXX  reporting as payment status as collection/ charge off, comments status purchased by another lender, Who was this?????????. and date of last payment was XX/XX/XXXX. Equifax reporting payment status as collection/ charge-off, comments status consumer disputes, and date of last payment was XX/XX/XXXX and two-year payment history is reporting current history. Per your reporting different information between credit agencies, which makes this information invalid, which has caused denial of current and future funding, delete this account per violation. 

Per reporting, you claim this account was paid, by who? what payment type? and where is the original copy of the payment? In addition, if was sold to another lender, Who??????. how can and account be paid and sold to another lender at this same time????????? 

Please note, do not submit copies of credit card statements or payment history as proof, which is not valid proof and will not hold up in court. 

Per violation, you are reporting different information between credit agencies, which is hurting my financial situation and causing me pain and suffering. As a result, I will seek legal action for defamation and according to your reporting, it stats the debt is still showing unpaid, but sold to another lender, which has hurt my financial situation., which has caused denial for of current and future funding. In addition, if the account was paid and sold to another lender, then you have no legal right to still collect on this account, delete this account per violation. 

Please note, I have enclosed a screenshot of my current credit report as proof. Please review, as this a current and valid information.

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:
Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY 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 Balance : {$12000.00}.

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 2017-08-02
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: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
We made two payments on our Capital One Credit card to XXXX XXXX on X/X/17 for hotel reservations and membership to XXXX XXXX. XXXX XXXX never acknowledged or sent confirmation after we made several attempts to ask the merchant to give us the services we paid for. Within the 90-day period, we made a formal complaint to Capital One Credit card. Capital One began arbitration with XXXX XXXX. XXXX XXXX sent their documentation including a false document that stated we did get a reservation. Capital One also called XXXX XXXX on XXXX XXXX,2017. They asked XXXX XXXX had done what they said they would and XXXX XXXX send yes. Based on this, Capital One said the merchant did do as agreed upon. XXXX XXXX lied and denied that we had cancelled our contract. Attached is all of the e-mails, communication with both XXXX XXXX and Capital One. I also included the e-mail that shows we cancelled our contract with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY

Complaint:
Wells Fargo continuously reports a late payment on my account although they were paid on time and there was not thirty days between payments.

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 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.

Complaint:
Experian has been reporting an inaccurate Public Record on my Credit profile since XX/XX/XXXX of 2019. I have requested proof of said record and any information followed. They have neglected to fulfill me on my request of validation of said item. I have also forwarded Experian proof from XXXX whom they say verified the public record that they dont have a Bankrupcty under my name or Last 4 of SS I have sent copys of the Bankrupcty being found inaccurate by XXXX  and XXXX  as well as a letter from the court saying that they don't report to the 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 2021-05-14
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:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should XXXX deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY

Complaint:
I want Wells Fargo to report a positive a positive payment on my account. Wells Fargo is part of a class action settlement due to issuing CPI insurance. As part of the settlement I am suppose to receive a 30 day delinquency removal from my account. I am working hard to be on time on my payments and to be current.

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 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-08-20
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: NELSON AND KENNARD

Complaint:
XXXX XXXX XXXX-NELSON & KENNARD, XXXX XXXX XXXX XXXX XXXX XXXX SENT A LETTER TRYING TO COLLECT DEBT FOR ABSOLUTE RESOLUTIONS FOR THE AMOUNT OF XXXX ... XXXX XXXX XXXX-I SENT A LETTER ASKING TO VALIDATE THE DEBT ... XXXX XXXX XXXX, NELSON & KENNARD SENT LETTER WITH INTENT TO FILE SUIT WITHOUT EVEN FIRST VALIDATING THE DEBT AS REQUESTED ON XXXX XXXX XXXX.... AS TO TODAY, XXXX XXXX XXXX, IT HAS BEEN MORE THAN 30 DAYS. I STILL HAVE NOT RECEIVED ANY DOCUMENTS VALIDATING THE DEBT SINCE I REQUESTED IT ON XXXX XXXX XXXX. THE DEBT IS UNVERIFIABLE BECAUSE NELSON & KENNARD DID NOT RESPOND WITHIN 30 DAYS. I WANT NELSON & KENNARD TO CEASE ALL REPORTING AND CEASE ALL COLLECTION EFFORTS OF THE DEBT IMMEDIATELY. I WANT NELSON & KENNARD NOT TO FILE SUIT. I ALSO REQUEST TO HAVE THIS DEBT DELETED FROM MY CREDIT REPORT IMMEDIATELY... REFERENCE NUMBER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
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:
My account with XXXX XXXX XXXX is showing up incorrectly with the bureau. It shows late payments however the information is inconsistently reporting across the three bureaus. Specifically the dates of XXXX, XXXX, XXXX, and XX/XX/XXXX, and XXXX, XXXX, and XX/XX/XXXX. I spoke with the company and all three bureaus as well most recently as of XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 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 2018-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.

Complaint:
I initially requested an investigation of a fraudulent debt on My Equifax credit report XX/XX/2018 and Equifax failed to do so. 

On XX/XX/2018 I received an email from Equifax ( as attached ) stating a reinvestigation. It has been over 30 days and the fraudulent debt from XXXX XXXX XXXX is still on my equifax Credit Report. 

XXXX  And XXXX  have both proven the debt to be fraudulent and removed & blocked it from my credit report, but XXXX  refuses to do so without validating the debt.

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 — Information belongs to someone else
Company: Credit Supreme LLC

Complaint:
XX/XX/2022 a collection was added to my XXXX credit report by 12 Credit Supreme LLC. I have no affiliation with this company. Per further research, they are reporting a debt belonging to someone else with a similar name living in the same city I reside. 

Supreme Credit LLC continues to " verify '' the debt of someone elses account on my credit report. Said person has a totally differently last name. I now have an " alias '' name reporting to my credit report with a last name and addresses i've never been associated with. 

COLLECTION AMOUNT : {$67.00} In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 12 CREDIT SUPREME LLC 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 an account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Dear TransUnion, I am writing to ensure you have the most accurate information in my credit file at all times. I have highlighted the items below that are inaccurate and shall be removed from my credit report immediately. 
Please delete the following inaccurate addresses : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX delete the following inaccurate employers : XXXX  Date Updated : XX/XX/2022 XXXX XXXX XXXX XXXX Date Updated : XX/XX/2022 I am filling this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. I have enclosed copies of my state issued identification and social security number to validate my identity. 
Regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-11
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: EQUIFAX, INC.

Complaint:
I have contacted XXXX by phone and mail to remove an item that doesn't belong to me and I have taken further action and I wont the debt removed as there is fraud that was investigated in the past that and I was told by a company working on my behalf that the information would be removed and it yet still appears. 

Dates of unauthorized inquiry XX/XX/XXXX for XXXX XXXX {$300.00} Credit Card agreed to remove from my credit report up to 30 days Date:XX/XX/XXXX {$4300.00} XXXX XXXX  Never Lived here asked for verified documents never received form original company neither heard back from XXXX 

XXXX XXXX - Debt {$2600.00} XX/XX/XXXX opened. Contacted both XXXX and Creditor no corrected actions. Reported on XXXX, Equifax XXXX XXXX XXXX - Debt {$2500.00} XX/XX/XXXX Opened No corrected actions of removal. Reported on XXXX XXXX and Equifax XXXX Debt {$920.00} Contacted by mail and phone Actions was deleted from one credit bureau but not XXXX and Equifax XXXX and company continues to report the information now. 

Equifax Credit Bureau Reports XXXX Debt {$170.00} inaccurate information, also disputed by mail on XX/XX/XXXX no corrected actions of deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TekCollect Inc.

Complaint:
TEK 's response to my original CFPB complaint is inaccurate. 

Company 's Response In a call on XX/XX/XXXX, the consumer disputed the debt. the allegation was that the property at the address for the services, was sold in XX/XX/XXXX and he was not responsible as the proceeded the sale. No offer of payment was made. On XX/XX/XXXX, TekCollect sent validation of the debt to the consumer. It is attached. The validation shows that the charges involved precede the sale and are the responsibility of the consumer. No one at Tekcollect has told the consumer otherwise or that the debt is uncollectible. If the consumer wishes to pay this debt, he may do so by calling our toll-free number ( XXXX ) XXXX, extension XXXX and speak with our XXXX XXXX XXXX XXXX XXXX XXXX 's email address is XXXX. XXXX XXXX phone XXXX XXXX email XXXX After I received this reply ( above ) from TEK from my previous CFPB complaint I contacted Tek Collect based on the instructions that were left with their company response on the Consumer Financial Protection Bureau. The number that was listed to call to pay the debt was ( XXXX ) XXXX and the company that picked up the call was a company called XXXX XXXX and NOT Tek Collect. I asked the operator if the extension ( as indicated on the company response XXXX ) for XXXX XXXX was there and they told me that the number was incorrect and the person did not exist in their company. 

I then called XXXX XXXX that was indicated on the letter ( XXXX XXXX ) and it seemed to have gone to his cellphone or a personal phone if some kind as there was no recording indicating that the phone call was being recorded etc. He then proceeded to tell me that the debt was already paid in XXXX and that the payment was fulfilled. But when I asked him why the debt was still showing on my credit report he said that it didnt make sense and he has no idea why. I then proceeded to ask him if the debt has already been fulfilled if they could remove it from my credit report to which he said he will remove it immediately. There was no confirmation number or any reference given to me indicating that this was done. Hence I am writing to you letting you know about the exchange and my attempt to have this resolved in a timely fashion. Unfortunately, Tek Collect doesnt seem to make paying the debt ( even if it is inaccurate and false ) easier for the consumer. Their process seems to be meandering and very difficult to navigate for the average consumer who is trying to settle a clear violation of their consumer rights. If this is not resolved with this second attempt, I will be hiring a FCRA lawyer

Company response to consumer: Closed with explanation