hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2020-04-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION

Complaint:
Creditor cant prove the my driver license is accurate its another person face on identification card isnt me please have company show of identification is accurate

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 2020-04-12
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: Experian Information Solutions Inc.

Complaint:
I believe someone has been using my identity. I have had money stolen from my bank accounts, etc. I believe this website that had email me is an impostor website. ( https : //usa.experian.com ) It has all of my info. But other than this, I have had many problems with my identity. Just recently Ive had hundreds stolen out of my XXXX XXXX XXXX account.

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 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
I received the outcome of my investigation. XXXX could not validate any findings with XXXX XXXX and XXXX XXXX so the accounts were deleted off my consumer report, however XXXX has verified it without a FCRA investigation according to the law. If XXXX can not verify how is it possible that XXXX can. This account is not being reported XXXX percent accurate therefore needs to be removed. I have requested a method of verification and in return I received nothing,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Bendett & McHugh, P.C.

Complaint:
We have notify XXXX XXXX in behalf of XXXX XXXX XXXX President and Managing Partner of this Fraudulent claim in the public newspaper. We spoke on XX/XX/21 and I inform her of their liability and the damage that they have directly caused with this Fraudulent claim of an debt being owe. This firm is Malicious engaged in Unauthorized practices of law which has cause myself and kinfolk unmeasureable distress which The CFPB has prima facie evidence of. XXXX XXXX XXXX President and Managing Partner is a foreign agent who has no authority over An Free America we have no contract with this criminal organization or his associates. Criminal charges will follow this claim for damages since these individuals are Knowingly and willingly committed Felony crimes against our unalienable rights of freedom and liberties. These individuals must cease and desist all nonconsensual communication regarding our privacy property and information. XXXX XXXX XXXX is engaged in treasonous behavior towards An American national which We the people are the true creditors of this state and this Fraudulent claim of an debt owe is Absurd. This property is clear from any cloud on said title. We have provided the discharge information and estate information in good faith to these tresspasser of law. 

LAWFUL NOTICE : DISCHARGE OF ALLEGED MORTGAGE BK : 60920 PG 369 LAWFUL NOTICE OF PURE TRUST CERTIFICATE : BK 65256 PG 108 NOTICE OF LIABILITY FOR ALL PARTIES INVOLVED DIRECTLY OR INDIRECTLY. ANY TRESPASS UPON XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX COUNTY, ALL TRESPPASER WILL BE ARRESTED AND CHARGE CRIMINAL. THIS ATTEMPTED OF UNLAWFUL CONVERSION IS TREASON AND MUST CEASE AND DESIST IMMEDIATELY AGENT TO PRINCIPAL IS PRINCIPAL TO AGENT IGNORANCE OF THE LAW IS NO EXCUSE NOR DEFENSE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
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: FC HoldCo LLC

Complaint:
On XXXX XXXX, 2017 I never gave permission to that company to check my credit score, And they did Hard inquiries XXXX XXXX XXXX, TX 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 2023-01-19
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc.

Complaint:
My excluded worker 's fund was stolen. When I received the bank card, I registered on the bank 's website and set up a transfer warning. Then, when I swipe my card at a restaurant near my home, I have Received a transfer text message. At the time, I also checked my bank balance and it was correct. After more than half a year, when I checked the bank balance, I found that there were only XXXX dollars left. When I called the bank 's customer service, I was told that my money had been wiped out. I was very shocked. My card was not lost in my possession, nor did I receive any transfer information from the bank. I don't even know where my money went. I asked the customer service for the transfer record, only to find that my card had been stolen on XXXX XXXX XXXX. I really can't believe which bank can pass through the card for more than XXXX XXXX dollars within 3 days, and there is no call or text message to notify the customer. As a result, I didn't even know that my card was stolen. Now the bank says that there is no way to protect my rights, because I have passed the 60-day retrospective period. The time of the transfer records I received from my previous consumption and the transfer records given to me by the bank are also inconsistent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
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: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I XXXX XXXX am a natural person I am the actually person submitting this dispute this is not a third party. 
In accordance with the fair credit Reporting act XXXX Account # XXXX, 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 a 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
Consumer complaint received 2017-10-06
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: Lending Club Corp

Complaint:
I contacted company explaining that I never made or authorized the XXXX transaction from lending club or so company it said on my credit score I wrote into XXXX they write back saying and explaining there was no account number active by the account number I wrote in and sent copy to them about. I contact credit card company explaining my credit card was lost/stolen but they fix part of it cancel old card and put a stop to it but do n't take transaction off that I never authorized so I never said to authorize the transaction that I never made of an account that does n't exist so I 'm really tired of this and trying to fight to get rid of the fraud charge that I should n't have to pay because I never made the purchase and its starting to really XXXX me off I 'm about to cancel and close credit card because of the company does n't wan na do their part and fix the problem ... I just mailed out a form demanding the fraud be fixed and permanently be reimburse and credited back so hopefully this works I 'm on almost 10th time contacting them should n't have to do it it should 've been done first or second time and fixed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-19
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:
Ive been a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
I mistakingly deposited 3 business checks into my personal account on XX/XX/20 at XXXX XXXX. I contacted Bank of America and was told by the phone rep that it would be reversed in 24 hours. I called again on XX/XX/20 at XXXX and XXXX XXXX.when the deposits were not reversed and spoke with a manager who apologized and said the phone rep had made an error and that it would take 7 days for the reversal. I  called again on XXXX at XXXX XXXX. because the reversal still had not occurred and spoke a number of incompetent people -finally I spoke with XXXX who created 3 case numbers XXXX, XXXX, and XXXX. He said the reversal would occur in 72 hours. I called again on XXXX at XXXX XXXX. because the reversal still has not occurred and spoke with XXXX who after a whole run around -because every-time I call, there is never any record of my previous calls, said that the cases had been closed/resolved. He later admitted that they denied the transfer. So Bank of America is cashing checks that are not written to depositors and they lying to depositors about reversals, and they are not keeping any records on depositor requests or complaints and for good measure they lie to depositors about who is and isn't a manager. Please post my complaint so that the public can know how they will be treated at this bank.

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 2022-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC

Complaint:
I'm writing this complaint and there is no third party involved. 

To whom may concern Pursuant to 15 USC 1692c ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with through any and all mediums.

Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : 1. XXXX out the balance on this account 2. Pay the attached invoice and compensate me for every violation labeled in the attached exhibits.

3. Deletion from all consumer reports.

4. Delete all my personal information from your company.

I'm also requesting validation ( attached ), Please be aware of filling up each line requested. ( Don't forget the Authorized Signature of Creditor ) You must return the attached completed form along with copies of all requested information, assignment or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter. 

Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
My accounts were showing 30 to 60 days late in XXXX and XXXX. Due to XXXX and XXXX, I was informed by creditor that late fees and payments were being waived and credit back to me. Accounts still shows 30 to 60 days late. The following accounts are : XXXX XXXX  : XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) XXXX  XXXX, Other Cards : XXXX, XXXX XXXX, XXXX XXXX late payment in XX/XX/2019 has been removed and credited.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
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 XXXX XXXX submitting yet another XXXX Complaint informing the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) The Credit Reporting Agencies are required to remove any account and information which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.Under the provisions of the FCRA section 605b, I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-01-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc.

Complaint:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Credit Systems International Inc and I requested a validation on the same date. On XX/XX/XXXX as no response had been received and the account continues to reflect on my credit report and does not reflect that the account is being disputed.Based on their failure to validate this account adequately and despite my dispute, this account is still reflected on my credit profile and continues to negatively affect me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
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:
Twice someone tried to get auto credit through XXXX XXXX XXXXXXXX. XX/XX/XXXX and XX/XX/XXXX. I called XXXX XXXX XXXXXXXX and they said they showed no record of an account and could not see inquiries. I then called Experian and they said that I had to call the bank and have them remove it. I now have 2 fraudulent attempts by someone to get credit through XXXX XXXX XXXX and I also have two hard inquiries on my report that is affecting my score. 
I would like the inquiries taken off of my report and I would like XXXX XXXXXXXX XXXX to screen applicants better to help prevent fraud.

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 2022-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
XXXX XXXX ID : XXXX Company was to refund me {$25.00}, but due to their error they XXXX  out my account with send me my credit balance refund.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-25
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:
These accounts are currently on my credit reports even though president Biden has passed a law to remove/forgive all student loans.

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 2023-05-24
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
I am contacting you to request the prompt removal of the following accounts and associated information from my consumer report. It is imperative that these accounts and information are not reported on my consumer report, as this constitutes a clear violation of the FDCPA and FCRA. I insist on their immediate deletion to rectify this legal infringement. Please remove these accounts and information without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.

Complaint:
Citibank dba Citicards RETALIATED against my filing a complaint ( COMPLAINT ID XXXX ) recently against it with the CPFB. Citi has blocked me from making a payment online. Each time I have tried to pay, a message comes on stating " This is unexpected Looks like we're experiencing a temporary technical issue. Please try again later. '' Later never comes day after day. Citi has purposely made it impossible for me to make payments, as I have done in the past, online. This is another corrupt way to obtain late fees by Citi, while punishing consumers for filing complaints.

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 2020-02-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
Portfolio Recovery Associates continues to harass and defame me by continually calling me on the telephone over an alleged debt. I mailed two Debt Validation Letters to Portfolio Recovery Associates on XX/XX/2019 and XX/XX/2019 via Certified Mail and Return Receipt Requested ( see attached letters ). Portfolio Recovery Associates has failed to provide any physical verification. Portfolio Recovery Associates submitted false and erroneous credit information to XXXX, XXXX, and XXXX. This false and erroneous information has caused me severe problems by being denied credit, apartment rentals, and employment opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
I have been dealing with Bank of America Credit Card that I have had since XXXX which started since XX/XX/XXXX. Keeps kicking out the theft of card -- -- -- -- -- -- -- -- - sent new card- and still continues in XX/XX/XXXX! I have to make appoints with a financial center since XX/XX/XXXX. Takes weeks/ months to get an appointment. Not that many left open in XXXX, FL. I went from the XXXX  of XXXX until the XXXX of XXXX until I could speak with a Manager. XXXX XXXX at XXXX XXXX XXXX XXXX, @ XXXX. ( that is No longer with company ). quit! This is a mess by them. Sent me a new card and said nothing! ( Bank of America ), I reported the Credit card lost! The only thing I have been paying on is cash I took out, not informed that intrest was involved. That was on XX/XX/XXXX, for $ XXXX then card was either left at bank or stolen? Spoke with XXXX and agent from credit on phone, and said to pay on the {$1500.00} thus far. I have ever since. It was XXXX on the FRAUD team and on the call. My balance is as of today -- -- -- -- -- -- -- -- - XXXX another payment due XX/XX/XXXX, I mean are you kidding the theft was : $ XXXX when card taken ... .... Please help.

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 2021-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.

Complaint:
At this time, I respectfully request a copy of my Experian, XXXX  and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX. Your professional cooperation will be greatly appreciated. 
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 2022-08-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC

Complaint:
* Charged for services that were not being used by XXXX XXXX XXXX Attempted to contact XXXX to cancel an account which ( " They could not find '' ) in Early XXXX, XXXX XXXX claims they cant find the account The account was no longer in use after XX/XX/XXXX A payment was made on the XX/XX/XXXX that paid up-to-date the account prior to starting XXXX XXXX service The Account was closed in XX/XX/XXXX XXXX refuse to recognize service members XXXX XXXX service to credit account ( ADOS starts XX/XX/XXXX and ends on XX/XX/XXXX ) XXXX Failed to properly handle the account, refused to recognize previous attempts to close the account and sent for collection an amount of roughly {$280.00}, to include late fees, continued billing through XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief