hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
This is to the second complaint filed with this agency over payments related to both my Capital One Credit Cards ending XXXX and XXXX this is related to the previous complaint # XXXX. 

I have made arrangement with Capital One to make a monthly payment in the amount of XXXX on the XXXX of every month for a total of 9 month which the first payment was to be made on XX/XX/2023 and another payment was made for XX/XX/2023 but made on the XXXX which a customer service agent not of the United States was informed. From XXXX and XXXX, XXXX  Capital One, despite having the agreement of the XXXX payment every month for 9 months has been sending me notices stating the account is behind and i have to make up the past due amount before XX/XX/2023 my account will be charged off. On the XXXX of XXXX I contacted Capital One stating this was incorrect and spoke to Agent XXXX XXXX XXXX XXXX to ask for a physical address to dispute my account. The agent began to place me on hold and later stated her Supervisor told her that she could not provide a physical address ( which could have been a XXXX XXXX XXXX to me to write a letter. this is a violation of the Fair Credit Reporting Act and the Fair Billing Act. 

This is the second time I have had to file a complaint based on my accounts with Capital One in which an XXXX XXXX  provided error or did would not allow me to make a payment ( reasonable ) to keep the account from being charge off. 

XXXX XXXX have prevented me from being about to protect my credit rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

FOR 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 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 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  15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( 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 or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 2019-02-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Reliant Capital Solutions, LLC

Complaint:
The company stated that they were from Reliant Capital Solutions, and called my husband first. I also had several phone calls from these people. When I called the number, the gal told me that she had to transfer me to the person that was trying to contact me. When I asked what the call was in regards to, she would not tell me, but transferred the call. They then hung up on me. When I tried to call back, it said that all representatives are busy to please leave a message. My message was, do not call me or my husband. The other number they called from was XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.

Complaint:
On XX/XX/2018, Convergent Outsourcing Collection Agency reported a debt of {$190.00} from my original creditor XXXX. 

Once I became aware of it, I immediately contacted XXXX to resolve the issue. According to XXXX REP, there are no current past due balances on my account. Nor do I owe {$190.00}, as confirmed with the representative I spoke to. 

I have strong reason to believe that this account is FRAUDULENT.

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 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)

Complaint:
I disputed the below listed account with Chexsytems and asked for validation of this account. Chexsystems has failed to provide proper verification documentation and refuses to further investigate my dispute. I am requesting a proper reinvestigation under FCRA 611. I demand to see verifiable proof ( an original consumer contract with my signature on it ) that Chexsystems has on file for the below listed account. The FCRA requires that accounts be verified through physical verification of the original signed consumer contract. 

Account : 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 2017-09-05
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:
In XXXX XXXX XXXX illegally foreclosed on my house. I filed a lawsuit against them and also a complaint with the XXXX XXXX XXXX. 

This item should not be on my credit report. It was an illegal act. But Experian and XXXX will not remove 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 2023-08-04
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 filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-08-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION

Complaint:
We received a text from XXXX XXXX asking for a door installation service. We agree to make business, he send us a check from this XXXX XXXX and send more amount, as the difference was supposed to be delivered to the supplier. We send XXXX the supplier vis XXXX  and XXXX XXXX  but then the check was returned because it was found altered. We communicate to this person what happened and now he is trying with the supplier to return the money. I told him this is fraud and now he ask to not report as the other person will return funds. Furthermore, we receive another similar business request but without sending funds. This person paid with a check from a company, saying he works for the company. He also wants part of the funds for some carpinter that will be working in the house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
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:
Transunion has failed to remove information that has had a material impact on myself after repeated requests to do so, and furnishing them with the requested information beyond what has been requested. 

I ask that these requests be honored, otherwise, other agencies, federal, state, local, XXXX, civil rights, state Attorney Generals, and other XXXX be contacted to correct the information or otherwise forced to do so in a court of law with a favorable ruling by a the presiding XXXX. 

The information listed is inaccurate, incorrect, done without my consent, permission, or authority, and I was otherwise unknown of the severity of the situation. 

Remove all requested 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 explanation
Consumer complaint received 2019-12-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Preferred Collection and Management, Inc.

Complaint:
On XX/XX/19 I set up payments with Preferred Collection and Management Services. I made one payment online and was sent a statement for the three payments post initial payment. I was looking into why I owed $XXXX in the first place since I had not been billed. When the second payment was due on XX/XX/19 I called and payed the balance to avoid any future payments after agreeing I did owe the balance. On XX/XX/19 my bank was drafted a payment of $XXXX. I called wanting to remove my bank card from the records since I have now overpayed. I was told by supervisor XXXX  that preferred does not have my card on file and that I must have made the payment myself. I consider myself a perfectly sane person and know that I did not make the last payment of $XXXX. If they do not have my card on file, I am not sure how they can draft me. I do not trust this company and am truest fed up with them and the lack of respect I received on the phone. They also wanted me to email my bank records as proof that the charge was not backed out. Yeah no I don’t think so! Wow!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
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 writing to you to express my deep concern over the fraudulent information on my consumer report. I was shocked to learn that I am a victim of Identity Theft, which has resulted in a negative impact on my credit history and ultimately my financial wellbeing. This has been hurting me as I am in the process of buying a home for me and my family. I am emotionally distressed and need these fraudulent accounts removed ASAP. 
1. XXXX XXXX 2. XXXX XXXX 3. XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2020-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I was told that I could reach out to you all regarding my credit. I have reached out to the credit bureaus and my accounts regarding things on my credit that is not mine. It even had alot of student loans. When I saw that I knew something wasnt right because I had to drop out of high school because I had a baby. Can you please help me with these accounts that are not mine XXXX/XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX. Thank you and I also have contacted the FTC and the police. I'm also doing this on my own behalf.

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 2021-01-22
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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2017-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
Few years ago i found out that my identity was stolen several years ago and several credit account were open under my name.I start my own investigation to see what happen because I was very upset and my credit was totally ruined.When I was student I was every summer going to seasonal city as XXXX XXXX MD.Everyone in USA who knows that city know that it is seasonal place, and people go there only for summer to work.When I was there during those years, I was living with 8,9 different roommates from everywhere and always they were changing.So during that time I don`t know how someone stole my identity and opened several accounts under my name and start using it.At that time since i had zero knowledge about credit I had no idea what`s going on, and after several years I find out that I have several collection accounts on my credit.I Then I called to credit bureaus and they told me to go and get a police report.I went to XXXX XXXX police department filed a police report and send it to every credit bureau with those account numbers.Everything was deleted from my report except 1 Bank of America account only in XXXX.
Its been almost 2 years i`m fighting with them and they are not trying to help me at all. 
I did everything what they ask, I send every document possible but they don`t wan na do anything.I`m really tired of this situation.This is ruining my life.I have successful business, i have great future plans but this fraudulent account not letting me to do anything.Please help me to resolve this issue.Your guys are my last hope.Bank of America doesn`t wan na do anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
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:
These are not my accounts. Please remove them.

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 2019-03-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Choice Recovery, Inc.

Complaint:
Recently while conducting a monitor of my credit report I discovered that Choice Recovery Inc, # XXXX has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from Choice Recovery Inc, # XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than XXXX XXXX is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
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 unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC

Complaint:
Transworld Systems has reported a collection account to my consumer credit file in the amount of {$550.00}. I do not owe this alleged debt. If Transworld Systems has the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includes ALL contractual documents stating and proving that I am responsible for this account that I agreed to and authorized the alleged debt that Transworld is attempting to collect. Transworld has no legal right to attempt to collect a debt. Transworld has not validated this debt nor sent me a notice of collection. Enhanced Recovery is in violation of the FCRA and the FCDPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC

Complaint:
A few years ago I made a complaint to The CFPB and Attorney General Office, Police about XXXX a cell phone company, And another collection agency. XXXX found out the charges of {$3800.00} was fraudulent and that I did not open any account. XXXX Deleted the Fraudulent debit from my credit file. and gave an apology for all the inconvenience it cost me to clear my name I checked my Credit tonight and a collection company ENHANCED RECOVERY has the same XXXX debit that was deleted years ago. on my credit report WITH BRAND NEW DATES like it had just been open. And this issue was closed and deleted a few years ago. it took months to clear my name. I want this Taken back off my Credit report at XXXX. and they allowed for this to be placed knowing full well it was removed. because of Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
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:
I've been disputing this collection account that appears on my credit report but the bureaus keep saying the account has been verified but never have sent me anything to 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 non-monetary relief