hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2017-12-31
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: Resurgent Capital Services L.P.

Complaint:
I have been attempting to work with Resurgent Capital regarding an account reporting on my credit reports as a result of Identity Theft. I have submitted numerous disputes and inquiries with the creditor, as well as the corresponding credit bureaus regarding this matter and have been unable to resolve it. This was first reported to Resurgent Capital over 6 months ago. They always claim their is " insufficient evidence to support my request. '' I have attached their most recent correspondence as well as my notarized paperwork I have both faxed and mailed them in response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: HEARTLAND PAYMENT SYSTEMS INC

Complaint:
I have not received any notices of transfer of servicing for my student loan. When I logged onto XXXX on XX/XX/2018 to make my monthly payment, the website page stated that my loan was no longer serviced by XXXX XXXX. I am unable to access my loan account information and billing documents. The alert stated that my loan was transferred to XXXX XXXX. I have been waiting over half an hour to connect with a telephone representative to try to confirm the transfer. Further, I am trying to also connect with their online chat system but the chat box has stated that a rep will be within 13 min, but I have been waiting longer than that and no one has responded. I am unable to get in touch with anyone on Heartland to confirm the transfer and figure out where to send my monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG HOLDINGS INC

Complaint:
In XXXX XXXX I leased a refridgerator from XXXX. Shortly after I started having problems with the fridge/freezer getting too warm or too cold and ruining much of my foods. After constantly throwing out food I contacted XXXX and they instructed me to call XXXX because i didnt get an extended warranty plan with them, therefore XXXX would have to service my refrigerator. XXXX gave me XXXX phone number and I called relentlessly over the course of a month but no answer, so I called XXXX back and they gave me another number for XXXX which I called for weeks with no answer. I called sears yet again and the manager instructed me to call XXXX XXXX XXXX XXXX because there was nothing more they could do for me. I called XXXX XXXX XXXX XXXX and explained what was going on and i was given yet another number for XXXX which i called faithfully for several weeks and no answer, so I called XXXX XXXX XXXX XXXX again and spoke with another rep. explained the situation and he said i should of reported it within the 1st 30 days ; I explained I report the problem when it occurred. He said if a freezer/fridge is getting to cold or too hot then someone has been in the back of it messing around with the coils or panels. I said that was ridiculous I dont know the first thing about fixing refrigerators and would never attempt to fix it. He said oh no we dont fix merchandise you damaged and i repeated I didnt damage it or go in the back messing around with the fridge. When I was getting the fridge from XXXX and XXXX XXXX XXXX they told me the refrigerator would be serviced by XXXX for the duration of my lease if something goes wrong. When I desperately needed help I they failed me and I got the run-around from both. A refrigerator is one of the most important appliance in a house to anyone and to be without one yet again and still paying and getting treated as I was when i faithfully fulfilled my end of the agreement as you will see in the documents i will send. I stopped making payments and told the rep they are in breach of contract stopped payment. Now XXXX has closed absolving them of any responsibility. I have given XXXX and XXXX XXXX XXXX {$1300.00} to date the original cost of the fridge was {$550.00}. Now they are sending collectors after me for {$1000.00} they should bow their head in shame and apologize they truely hurt me. I wasted time grocery shopping, money and only to have it ruin. May they too go out of business as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
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:
I did not authorize for capital one to pull my information and report inaccurate activity to my credit report. Please remove this inaccurate information because it is a violation of my rights and was not authorized!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
TransUnion is in violation of the following Consumer protection laws under Title 15 of the U.S. Code ; on Tuesday XX/XX/2022 TransUnion was provided with a Notice of Fault / Affidavit of Truth in regards to the following violations. 

Title 15 U.S. Code 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) 2 Counts Title 15 U.S. Code 1681 ( 2 ) 1 Count Title 15 U.S. Code 1681 ( 4 ) 1 Count Title 15 U.S. Code 1681a ( 2 ( B ) 2 Counts Title 15 U.S. Code 1681a ( e ) 1 Count Title 15 U.S. Code 1681b ( a ) ( 2 ) 4 Counts Title 15 U.S. Code 1666b ( a ) 4 Counts Title 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) 4 Counts Title 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) 13 Counts Please see attached document for a copy of the presentment and US Postal Service Tracking Information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION

Complaint:
I called USAA today XX/XX/XXXX because someone emailed me and said my account was closed. I get XXXX income on the first of the month so it was no time for me to change my direct posit they told me thats not their problem and that my account was close on the XXXX I never got a letter saying that my account was closed or anything like that Ive had that been for a very long time they know that I get direct apposite but yet they close it over {$29.00}. And then I told the lady that I cant be late with my bills she told me oh well maybe theyll see you the check and 20 days and I was like that wont work how am I going to feed my family. She said well send it in 20 days

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
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:
There are Three accounts that are reporting on Transunion, XXXX and XXXX. 

I have submitted police reports and fraud affidavit reports with the disputes. They are still giving me a hard time. 




Three accounts that have inQUIRY and accounts open in my name by fraud!!!!! I did not open these accounts! I am a victim of identity Theft. 


Accounts XX/XX/XXXX XXXX XXXX XXXX showing a balance of XXXX AND ACCOUNT NUMBER IS ( XXXX ) When I called them I spoke to a women name XXXX and she stated someone opened an account in my name and the real balance is XXXX not XXXX but that doesn't even matter because this is NOT MY ACCOUNT!!!! PLEASE DELETE!!!!! 

THIS ACCOUNT IS SHOWING AN INQUIRY AND ACCOUNT OPENED! 

XX/XX/XXXX, XXXX XXXX XXXX ACCOUNT NUMBER ( XXXX ) BALANCE OF XXXX NOT MY ACCOUNT PLEASE REMOVE FROM MY ACCOUNT I DID A DISPUTE WITH ALL THREE AND ALL THREE IS GIVING ME A HARD TIME. 

I SUBMITTED A CLAIM WITH XXXX AND THEY DELETED THE XXXX INQURY BUT NEVER DELETE THE ACCOUNT. 


PLEASE DELETE ALL INQURIES AND DELETE CITICARD ACCOUNTS I LISTED XXXX XXXX PLEASE

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 2022-05-22
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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account number XXXX 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 with my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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 am a victim of identity theft. I have sent numerous letters certified mail to the credit bureaus to remove these fraudulent accounts on XXXX, and XX/XX/XXXX Under 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand the following items to be deleted XXXX improper investigation. Under section 609, the credit bureau did not on my Federal Police Report not any original documentation with my signature. That is a violation under the law and has caused personal injury to me.

Please delete and block the following accounts including those on my police report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-10-13
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:
XXXX XXXX XXXX  XXXX is fraudulent on my Acct # XXXX. 
XXXX XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX  is fraudulent on my Acct # 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 2020-10-11
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: Experian Information Solutions Inc.

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2018-04-15
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:
Equifax 's customer service would not help and take care of the negative inquiries reporting on my credit report. Several certified letters have been sent requesting they be removed. I did not authorize them and the ones listed below do not belong to me.

XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.

Complaint:
I sent letters over 60 days ago to this bureau and they are disregarding a regular consumer disputes. I'm highly upset and have been sending letters before this with no response. They are clearly breaking the law and do not care to abide by it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
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 sent them copies of receipts collections paid off. I disputed information 2 times and after investigation they said information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
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: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
Capital One Quicksilver Credit Card is still reporting to XXXX this account. I was only an authorized user and the report shows a missed payment. They were informed to remove me as an authorized user months ago! 

This missed payment reporting of a card in which I have no connection with is damaging my credit. Capital One knows this too! I want it removed immediately. I do not want a response that is meant to creditsplain to me how credit works, how their company works, or any other manner of deflection. 

I am asking that the CFPB mediate here and take action, not just close the case as done time and again. To be clear, the Quicksilver Capital One Credit Card is not mine, was reported so months ago, and I want it removed effective immediately from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
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: Experian Information Solutions 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 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 explanation
Consumer complaint received 2021-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.

Complaint:
I cosigned for a loan in XX/XX/XXXX with my now ex-husband and the courts granted him the vehicle however, XXXX said he was unable to finance on his own and refused to assist me. I assisted XXXX in locating the vehicle because he stopped paying on it and was hiding it during the divorce for retaliation. They recently this year XXXX reported the XXXX charge off as a new debt and are saying that the payments are past due XXXX  days then XXXX  days now. They also increased the loan amount without the amount they got from auctioning the truck. They recently sent me a letter XX/XX/XXXX stating that they will not do anything further to correct this information, because I have contacted them previously about it. The credit bureaus are not updating the account correctly even though I have hired XXXX XXXX  to assist me with this issue. XXXX is refusing to put the correct information on my credit reports even after the lawsuits. I honestly don't care about my XXXX credit he was an XXXX and XXXX, they can keep it on his. I have screenshots of all the information from the credit bureaus showing it was a charge off XX/XX/XXXX. Last late payment was 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 non-monetary relief
Consumer complaint received 2016-11-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Bureau of America Ltd.

Complaint:
COLLECTION BUREAU OF AMERICA has not responded to claim on # XXXX. They have not provided proper validation of the debt and they continue to report to the credit companies. COLLECTION BUREAU OF AMERICA is not a licensed collection agency in the State of Florida. Since they are not licensed in the state of Florida they and not allowed to collect or report on debt on someone who lives in Florida. They by law must close this account and remove any reference of it from my credit reports.

Company response to consumer: Closed
Consumer complaint received 2022-02-18
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:
I submitted a complaint 1 month ago about my issues with Experian NOT reporting my credit cards that I pay for monthly for good history. I have a total of 7 cards that should be reporting on each of my credit bureaus, and it is not. They are reporting on my XXXX and XXXX properly. Experian is the only bureau not reporting correctly. 

CFPB said this has been resolved with Experian and it has not. 

This is causing me denials for loans, credit cards, and more because lenders pull from Experian first. This is unethical for me as a consumer because I have worked hard to maintain good payment history and credit age. The lack of reporting is preventing me from benefiting from my financial responsibility. 

Furthermore, I also have bankruptcy accounts showing up on my report and they should not be due to id theft and discharge. I have been discharged and none of these creditors should be shown on any of my credit reports with any bureau. The following lenders are not supposed to be showing on my credit report due to identity theft : Global lending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Indigo

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.

Complaint:
In accordance with the fair credit Reporting act Comenity bank/ express , has violated my rights. 

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation