hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2018-01-30
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: BlueChip Financial

Complaint:
XXXX XXXX first called me representing XXXX XXXX XXXX. XXXX aXXXX XXXX  XXXX XXXX XXXX XXXX Texas XXXX The address didn't exist in XXXX XXXX, XXXX, or XXXX XXXX. It's a vacant lot and building on XXXX XXXX. So he threatened me with court and jail. The more questions I asked about the company the angrier he got. So eventually he said XXXX was the original debt but not to call them, to handle it through them. I refused. I then called XXXX they sent the debt to XXXX XXXX XXXX XXXX. U called them. They sold debt to XXXX XXXX XXXX. I called them at XXXX and talked to XXXX. I set up payment. I then forgot about it and see when the went to withdraw funds it wasn't there ( Friday XX/XX/18. So today XX/XX/18 XXXX XXXX calls from XXXX. He says he is from XXXX XXXX XXXX. XXXX XXXX XXXX, Ga. He again threatened me with court and jail. So I said why aren't you calling from an XXXX number. He got angry again. Said to call back XXXX. So I did. Company at that number is supposed to be XXXX XXXX and spoke with a XXXX again. Who had no physical address to give me. She says she sent an email. I haven't received yet. I feel all companies involved are scams. Not had supervisors. And no company let 's you talk to the same people when you call an XXXX number. So as far it seems this person XXXX is directly working with XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
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 rights have been violated by TransUnion, XXXX, and XXXX on XX/XX/2023 I submitted my Victim Determination Letter along with the rule attached to it along with the list of adverse items to be blocked in 4 days. I received a response that has nothing to do with what i submitted to them and that same adverse information is still parked on my credit without my permission. List of violations are adverse information not being blocked 4 days per the final rule on victims of a severe form of XXXX XXXX  debt parked on my report to coerce payment from me, not in agreement with their membership contract to uphold state and federal law.

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 2023-05-31
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: AMERICAN EXPRESS COMPANY

Complaint:
A reservation was made for a hotel stay at XXXX XXXX in XXXX, NY on XX/XX/2023. Our American Express card was used to hold the reservation in the amount of {$1400.00}. We then cancelled the reservation the same day and received a cancellation email from XXXX XXXX. I then noticed the charge on the account days later and asked for it to be removed. American Express removed the charge, but then claimed that the vendor submitted a response so they reinstituted the charge. We called the vendor and they said it has been cancelled and we should have had the refund. I called Amex, but they would not tell me why. How do I get the refund for this?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-28
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:
EQUIFAX credit reporting agency and fraud dept has refused to remove inaccurate, erroneous and unlawful information from my credit file. i have sent in numerous goverment identity theft forms and have disputed with fraud team. after months of EQUIFAX not responding EQUIFAX has said that these debts which are FRAUDULENT have been verified as accurate. EQUIFAX has violated my privacy rights EQUIFAX DID NOT investigate this nor did they verify with me thru verbal or writing that this information could be posted to my credit file. i did not grant EQUIFAX permission to add these items to credit file. EQUIFAX has violated my rights and has been ignoring my constant requests. The goverment law binding forms ive sent in have been overlooked and not acknowleged as legal documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
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: Experian Information Solutions Inc.

Complaint:
This is my 5th attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX and XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$760.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$780.00}.

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 2022-07-26
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 informed me ( in the past, after over 1 year of investigations on my part ) that they " somehow SPLIT '' my Personal Credit Report into 2 SEPARATE Credit Reports due to an " INTERNAL ERROR ''. This created 1 NEGATIVE Credit Report that was shared with ( potential and existing ) Creditors, and 1 POSITIVE Credit Report that was " HIDDEN '' from the world. Equifax has continued to erroneously report ( or Delete ) positive Credit data from my Credit Report, but still manages to report NEGATIVE INFORMATION! This CFPB Complaint shows that EVERY SINGLE POSITIVE TRADE LINE which I am an AUTHORIZED USER ( AU ) of, ( including Terminated but still Positive AU status tradelines ) has been REMOVED from my Equifax Credit Report, yet still REPORTS ON THE 2 OTHER CREDIT BUREAU Reports. These positive AU Tradelines SHOULD BE REPORTING, as the AU Creditors are telling me that they ARE STILL REPORTING THE POSITIVE INFORMATION TO EQUIFAX. This is a CLEAR indication to me that Equifax CONTINUES to attempt to ILLEGALLY SUPPRESS my Positive Credit History and has been doing so for more than 3 YEARS. I will now list all Positive AU Tradelines that Equifax has removed or is illegally attempting to suppress from my Credit File : ( XXXX ) ( Account # XXXX ) ( Limit {$1200.00} ) ( Opened XX/XX/XXXX ) DELETED ( XXXX ) ( Account # XXXX ) ( Limit {$2000.00} ) ( Opened XX/XX/XXXX ) DELETED ( XXXX ) ( Account # XXXX ) ( Limit {$5000.00} ) ( Opened XX/XX/XXXX ) DELETED ( XXXX XXXX  ) ( Account # XXXX ) ( Limit {$13000.00} ) ( Opened XX/XX/XXXX ) DELETED ( XXXX ) ( Account # XXXX ) ( Limit {$3500.00} ) ( Opened XX/XX/XXXX ) DELETED ( XXXX ) ( Account # XXXX ) ( Limit {$3500.00} ) ( Opened XX/XX/XXXX ) DELETED ( XXXX 'S ) ( Account # XXXX ) ( Limit {$1500.00} ) ( Opened XX/XX/XXXX ) DELETED ( XXXX ) ( Account XXXX ) ( LIMIT {$3500.00} ) ( Opened XX/XX/XXXX ) DELETED Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
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 am a victim of Identity Theft. Someone has my personal information, and has been putting in for credit application. I was just became aware of this the morning of XX/XX/XXXX. These are the following creditors that have pulled my report, and the dates. Some of them have pulled multiple times from Experian, XXXX, and 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

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 2020-12-16
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: Convergent Resources, Inc.

Complaint:
on XX/XX/2020 Convergent outsourcing collection added a derogatory mark on my credit report per Credit XXXX, XXXX, and XXXX. Upon further research, this account was transferred/sold to XXXX and I am no longer responsible for the account. Debtors Creditor did not verify this collection, Also there was NO form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its Mines. According to the FCRA Convergent Outsourcing collectionhas violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

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 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rent Recovery Solutions

Complaint:
I filed a complaint here using this service a few day ago and the company Rent recovery solutions responded quickly with the statement essentially saying they had ordered my credit file they reported wrong be removed from the credit bureaus but thus far it has not been done. 

This company is known for violations and will unlikely obey the law Ive learned through research. 

Please begin a new complaint with regards to rent recovery and XXXX XXXX XXXX, and please make note that rent recovery solutions should be held in contempt. 

Im including the file Pic if there submission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
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 submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : Balance : $ XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$490.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.

Complaint:
I am a natural person. I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681 and they have violated my rights numerous of times. I demand the accounts below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these account. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY

Complaint:
I found an article and wanted to see if I have a part of it since I was with Wells Fargo during those time frames!

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 2023-05-19
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: Experian Information Solutions Inc.

Complaint:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
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 would like to submit my complaint regarding this inaccurate information. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information. Per FCRA, reporting must be 100 % accurate or the information must be corrected. The following accounts should be fixed or corrected immediately : XXXX XXXX XXXX Balance : {$260.00} ; XXXX XXXXXXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
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: UNITED SERVICES AUTOMOBILE ASSOCIATION

Complaint:
Charges for air travel with XXXX XXXX were billed to my account. XXXX was round trip New York to Florida to XXXX XXXX. I did not make those charges and have never used XXXX air. Have never been in Florida or XXXX XXXX. Credit card company ( USAA ) states that merchant has provided evidence that supports that I made the charges but has not provided that information to me despite several requests. There were 3 charges. XX/XX/2022 for {$840.00} and {$920.00}. Neither was reported to me as a possible fraudulent charge by USAA. Customer service at USAA told me that the threshold for notifying me for a possible fraudulent use of my card is {$1000.00} but they have notified me in the past for amounts much less than that. A third on XX/XX/XXXX was for {$1200.00} and was reported to me by USAA that night. I told them it was a fraudulent charge. I also told them that the XXXX charges were fraudulent the next day when I discovered them on my online statement. That credit card has been terminated and new ones issued. I have placed a credit freeze with the three main credit agencies and have filed complaints with my local police department, the FTC, and the Wisconsin XXXX XXXX XXXX XXXX. I have changed passwords on my various financial accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
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: EQUIFAX, INC.

Complaint:
EQUIFAX, I did not authorize the following companies to run my credit in XX/XX/2022. I have requested the inquiries items be removed from my credit. Please have the following inquires removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Car loan is paid in full but showing closed wrote off as bad debt

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 2020-08-03
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: Experian Information Solutions Inc.

Complaint:
Ive been a victim of identity theft, this account does not belong to me.

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 2023-03-13
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have still items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.

Block these erroneous items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA, XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} Bankruptcy XXXX XXXX  Date Filed XX/XX/XXXX Reference # : XXXX Bankruptcy XXXX XXXX Date Filed XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXX/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 2020-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.

Complaint:
All I want to do is link my PNC Bank account with XXXX and PNC will not allow me to do that. They are keeping me from making investments for my future earnings. Unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
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:
XXXX   XXXX  claims they are servicing a loan for   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX .   XXXX   XXXX    XXXX   XXXX   XXXX  was conveyed a Trustee 's Deed on  XXXX   XXXX . The   XXXX   XXXX   XXXX   XXXX    XXXX  filed a Forcible Entry and Detainer Suit in  XXXX .   XXXX   XXXX   XXXX   XXXX    XXXX  was awarded Judgment of Possession in  XXXX   Court and County Court i n  XXXX . I filed a lawsuit to enjoin a Wrongful Post-foreclosure eviction. On  XXXX / XXXX / XXXX  in open Court,   XXXX   XXXX   XXXX   XXXX    XXXX  's advised the Court they would not eviction me during the pendency of the lawsuit. This lawsuit is currently pending in the  XXXX  District Court,  XXXX  county Texas.     On  XX/XX/XXXX ,  XXXX  's attorney admitted in  Open Court they were only responding to a dispute letter. They had sent me no default letter, notice of Acceleration, or notic e of foreclosure. However, my credit report shows I 'm delinquent.

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