hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2021-08-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.

Complaint:
Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent. It is XX/XX/21 and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Health Care Financial Services, Inc.

Complaint:
XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX opened a collection account on XX/XX/2022 in the amount of {$780.00} in my name. They have used a collection agency called Account Resolution Servi to attempt to collect this fake debt. I have never heard of this company before. I do not know why they are trying to charge me for something when I have never used their services before. There are reviews from multiples people stating they have been victims of these false collection scams before by this company.

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 2021-02-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
In XXXX, XXXX, I discovered that Bank of America lists me as the owner of Auto Loan # XXXX, taken out in XXXX of XXXX. I do not have an auto loan with BOA. In fact, I have not had an auto loan since XXXX ( and that was with XXXX ). I filed a dispute with BOA in XX/XX/XXXX ( Case # XXXX ). Since that time, I have provided BOA with all of the documentation they have requested. After 4 months of being stonewalled ( at one point, I spent 3 hours on the phone with BOA and was transferred to 7 different people -- none of whom could help me ), I requested that BOA provide me with a copy of an original loan agreement with my signature on it. I was told on 2 occasions, " we can not provide you with that document at this time. '' After reviewing all of my documentation, on XX/XX/XXXX, BOA reported to XXXX  that my fraud claim had been denied, and that the auto loan should remain on my credit report. I received a letter from BOA, dated XX/XX/XXXX, that " based on the documentation received, we have denied your claim. As a result, our reporting of the loan to the credit bureaus is accurate. ( The interesting thing is that, although I never receive payment statements for this loan, and have never made a payment on this loan to BOA, the loan is being paid on time each month. ) I recently received a letter from BOA about the status of my claim, addressed to " XXXX XXXX XXXX AKA XXXX XXXX. '' On several occasions when talking with BOA representatives, I have been referred to as " Mr . XXXX. '' I have provided BOA with documentation that I am not now, nor have I ever been known as " XXXX XXXX, '' and that I do not now, nor have I ever, lived in CT. After 4 months of investigations, BOA has asked me to " be patient. We need more time to investigate your fraud claim. '' In the meantime, I have been denied credit because of this {$13000.00} loan on my credit reports. It seems to me that the solution is quite simple : if, as BOA reported to XXXX, I did sign for this auto loan, there must be paperwork with my signature on it. If BOA is unwilling or unable to provide me with that documentation, then how can they claim that the loan belongs on MY credit report? ( Also, over the past 3 years or so, BOA has made 18 requests for my XXXX  credit history -- I have never done business with BOA prior to XX/XX/XXXX. Based on my fraud claim with XXXX, all of those BOA requests have been deleted from my credit history. ) Since XX/XX/XXXX, I have been communicating with BOA Fraud Quality AVP XXXX XXXX -- who has been less than helpful, and less than forthcoming with any of the information I have asked BOA to provide 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 2020-03-12
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: SYNCHRONY FINANCIAL

Complaint:
SYNCB/PAYPAL on XX/XX/20 placed a hard inquiry for credit on my credit report. I did not apply for credit with syncb paypal.

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 2022-09-12
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: Genesis FS Card Services, Inc.

Complaint:
In accordance with the fair credit reporting act, XXXX  account, 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
Consumer complaint received 2023-05-23
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:
YOU HAVE THESE ACCOUNTS ARE REPORTING INACCURATELY ON MY CONSUMER 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 Pursuant to the FCRA & the FDCPA I respectfully request for full accounting to be provided as proof of these alleged items, specifically the original contract and application, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. ADDITIONALLY, This information is entirely or partly inaccurate and incomplete, and as such represents a very serious error in your reporting that is causing damage to my reputation. If you fail to delete or report any and all accounts accurately, I WILL FILE FOR LITIGATION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-09
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: Lending Club Corp

Complaint:
I fell behind on Lending club account. I understand it is my responsibility to make timely payments. But the reason for this late payment is particular. It was due to the loss of a very close family member. Some of my other creditors were very understanding a choose to not report and retracted their reporting. I was hoping I would be able to get some help.Prior to this was a rated to be a good consumer, with good credit not my credit is under the water do to this late reporting. I have never been late. Always communicated changes etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC

Complaint:
Not sure why this complaint is being closed ... this is a collection agency reporting incorrect information. I need help getting this removed. I do not owe this collection. See Complaint # XXXX for details

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I am a victim of identity theft. The following XXXX credit card accounts are fraudulent and unauthorized : XXXX and XXXX, the following hard inquiries are fraudulent and unauthorized : 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 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.

Complaint:
I have submitted my letters over 30 days ago the company fails to respond and is violation according to 15 USC 1692. I did not give them written consent to report these inaccuraries on my credit report. This company have fail to acknowledge that it is in violation. I have attached my letter and proof that I sent letter XXXX XXXX XXXX XXXX. Also my XXXX & XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.

Complaint:
In late XXXX I was forced to cancel a planned vacation due to a serious illness. The trip was, in large part, charged to my Citibank XXXX credit card. I called, about XXXX XXXX to request the refund XXXX XXXX had returned to my Citibank card be transferred back to me, electronically. The amount was approximately {$12000.00}. The current credit balance is precisely {$12000.00}. To date I have yet to receive my money. 
The reason given to me initially was I had given them the wrong bank routing or checking account number. Though I had not, I provided the information again. After about one week I was told it would take another 7 to 10 days. Then another 3 to 5 days. Finally, I was told the problem was Citibank could not confirm the checking account I had provided was actually mine. So, we agreed I would receive a paper check. After a week I checked and was told a paper check would take 3 to 4 weeks. At this point I have zero confidence I will receive my money at the end of this time which is another 2 to 3 weeks away. 
Please see my emails to Mr. XXXX XXXX XXXX, CEO of Citibank. No response has been received to either of them. Please help me assure I'm going to get my money. I need it more than Citibank does.

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 2016-04-20
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: SIMM Associates, Inc.

Complaint:
Simms Associates, a dubious debt collector, is making false statements claiming that I am not making direct payments on my student loan debt to the student loan company, XXXX. These statement ( s ) are adversely affecting my credit report. I have in fact continued to make monthly payments each and every month to XXXX without fail and furthermore XXXX has continued to receive and deposit these payments into their account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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:
I received my credit report on XX/XX/XXXX and noticed there were Hard inquiries that don't have permisible purpose to be on there. These Hard inquiries are hurting me in getting approved. I already reached out to the credit bureaus about this multiple times, they keep violating my rights under15 USC 1681b. The Hard inquiries that are in question are the following : XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX Inquiry date : 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 2021-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I am a victim of identity theft and I have tried to correct the inaccurate, incorrect and misused information on my profile multiple times, and this company refuses to correct it and tells me its verified. I have shown proof information is all inaccurate and still they claim its verified.

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 2023-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
This complaint concerns a checking account # XXXX at Capital One. The account is owned by XXXX XXXX XXXX. This entity is the XXXX XXXX XXXX organization and I am the XXXX XXXX XXXX the organization. Typical deposits are a portion of election qualification distributed by the XXXX  XXXX XXXX XXXX. 

On XX/XX/2021 the treasurer, XXXX XXXX XXXX  unexpectedly passed away. XXXX XXXX was the elected treasurer of the organization. 

Capital One has refused the organization access to the account without a death certificate. The organization is not an appropriate entity to get a death certificate nor is the asset part of XXXX XXXX estate. The new treasurer ( XXXX XXXX XXXX XXXX  ) went to the Capital One location in XXXX XXXX and was denied even information regarding additional information regarding the identity of approved signers on the account. Capital One has provided no path forward to gain access to the account. 

I submitted a complaint to Capital One and was assigned this to reference - XXXX. I request the assistance of the CFPB so that we can gain access to an asset held XXXX by Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Tate and Kirlin Assoc

Complaint:
The company Tate & Kirlin Associates , Inc was in charge of a charge off account that they told me that if I paid the debt not only would the collections account would be deleted off my credit reports they would also delete the original tradeline of the charge off a bank called XXXX XXXX. The collections account has been deleted but the original account has not. They now refuse to help me out and get the problem resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synergetic Communication Inc

Complaint:
I have received numerous phone calls, and a letter from Synergetic Communications , Inc for a bill they claim is owed for over XXXX dollars. The letter is vague and does not provide any information about the original creditor. SynerComm refused to give me information. I am assuming it is a medical bill ( because I had a bill similar to this amount which was paid in full ). I told SC this information but they did not listen. They asked for my address and DOB. I felt obligated to share because I called them based on the letter. I am a senior citizen and do not appreciate this tactic. If I knew who the original creditor was I could provide the proof. I do not trust this company and who they claim to be. I pray this is not a scam since I provided my DOB. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
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: Experian Information Solutions Inc.

Complaint:
My identity has been compromised and it has caused serious damage to my livelihood and credit file. It is unknown if this disaster was from the direct lost of my wallet or from the XXXX  breach. Either or now I'm dealing with these unknown and unauthorized accounts inwhich I'm demanding to be removed and blocked from my credit file. 

1 ) XXXX  / XXXX 2 ) XXXX XXXX {$27000.00}

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 2019-11-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.

Complaint:
I am writing to request your help and notify multiple violations to the Free Credit Reporting Act. My rights as a consumer are being violated. I have an account with JP Morgan Chase Bank, account # XXXX, opened : XX/XX/XXXX, Limit : {$30.00}. This company is reporting a late payment on my account, committing violations to the section ( 609 ) of the Fair Credit Reporting Act by reporting FALSE AND ERRONEOUS INFORMATION. 

Ive always been on top of my payments, that Is why is enrolled the 2 accounts in automatic payments. Chases website is not friendly at all. It was really difficult for me to set up the automatic payments for both account ; however, they only did it for one account. As proof that I had the money and that I was willing to pay, the other account ( XXXX, Date opened XX/XX/XXXX, Limit {$9000.00} ) is current without a single late. 

This was not a money issue. I did have the money to pay. They are being negligent and unfair with this. This is affecting me in a huge way, mentally and physically. 
They are also being unreasonable because I NEVER RECEIVED A LATE PAYMENT INSERTION BY MAIL, as required by law. They are committing BREACH OF CONTRACT, these are two more violations to the FCRA and the list of violations is much longer once I sat down with my attorneys to talk about my awful experience with this company. 

I have a Pending mortgage for {$500000.00} because of this incorrect information being reported. I demand a deletion letter from JP Morgan Chase Bank as soon as possible so I can provide to my mortgage company and get approved with the interest that I deserve. If they refuse to provide letter of deletion letter through CFPB portal, I will not think twice to let this issue be decided by a judge in a law suit court. I am sure that it would be a trouble for Chases records taking this issue to a court. Thanks for reading my complaint. 

See Bank account attached from the time of the issue, as proof that I had enough funds to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.

Complaint:
On XXXX, XXXX XXXX to my surprise I received a letter that stated that I had been served with a Continuing Writ of Garnishment and that they would be required to withhold a certain amount starting on XXXX XXXX, XXXX. In the court document, it states that an amount of XXXX remains unpaid to XXXX XXXX XXXX. I have no idea of what this is all about. 

I reached out to a paralegal and they told me to file for a hearing in front of a judge. I was also told to contact you and file a complaint. Then the paralegal told me to file for a hearing in front of a judge to stop the garnishment. 

I am the the head of household with a son and can not afford to have my check garnished for any amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PMAB,LLC

Complaint:
I mailed PMAB a letter requesting legal validation of this debt on XXXX/XXXX/2016. They have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
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: Kriya Capital, LLC

Complaint:
Again and again, this account is still here. Are you really not seeing this? This is incomplete account and I did not have any transaction with this company.Please remove this immediately.

Company response to consumer: Closed with non-monetary relief