hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2018-03-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.

Complaint:
I noticed a collections account when checking my credit report. The company is Diversified Consultants, Inc ( DCI ), found here : https : //www.dcicollect.com, ( XXXX ) XXXX-XXXX I have contacted the DCI, provided my correct contact information and requested a bill. DCI had an address on file that I have not used in about 8years, and was not the one found on any credit report. The company reports negatively monthly to the credit bureaus. I have made multiple attempts to contact DCI via the telephone number associated listed. During one phone call during normal business hours there was no one able to provide any information regarding my account. DCI has failed to attempt any means of communication since I contacted them the beginning of XX/XX/2018. I personally believe that DCI 's practices are unethical. Attached is the closest thing to communication from DCI ... A screenshot from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2022-10-11
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.

Complaint:
I put a dispute in on XX/XX/2022 about information on my credit report about a bankruptcy stating the verifiable with the Bankruptcy courts. I contact the United States Bankruptcy XXXX XXXX XXXX XXXX Georgia stating the Bankruptcy can not communicate with Credit reporting agencies. Bankruptcy court letter included in this complaint.

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 2023-04-18
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:
The account in question is not mine, as I stated in my initial complaint. Despite the fact that it says this account has been validated, the information is still incorrect. This account has to be immediately deleted from my credit record, as requested.

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 2023-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.

Complaint:
PAID IN FULL -- -- in response to letter sent XX/XX/XXXX XXXX LVNV FUNDING LLC/Resurgent capital services XXXX XXXX is REPORTING INNACURATE and fraudulent information and not validated INORMATION and continues to since Before XX/XX/XXXX, to Present, the balance is incorrect on A LVNV FUNDING LLC/Resurgent capital services XXXX collections account # XXXX ( closed / XXXX Or XXXX closed and paid even with the ACCOUNTS and TRADELINES ARE CLOSED AND OR PAID IN FULL. XXXX is reporting Inaccurate and fraudulent information as these accounts has been and is closed since XXXX and is PAID IN FULL. balances and all information are inaccurate as they are not factual Reporting LVNV FUNDING LLC/Resurgent capital services XXXX and all companies are negligent compliance by reporting this information as accurate when in fact, they are not XXXX XXXX has reported over several times as accurate when clearly, they are not. LVNV FUNDING LLC/Resurgent capital services and XXXX are violating My consumer rights and FCRA laws . LVNV FUNDING LLC/Resurgent capital services is I believe retaliating with unethical practices by providing intentionally inaccurate information as Resurgent capital services LVNV violated federal and state laws by garnishing funds that were exempt and continues to report inaccurate data to XXXX. This is one of several accounts of false information and reporting inaccurate information and Credit data. FUNDS were RECEIVED XX/XX/XXXX Filings Title : LVNV FUNDING VS XXXX XXXX Case : XXXX XXXX ( XXXX ). Any LVNV FUNDING LLC accounts and data must be DELETED from XXXX and XXXX due to violations of the FCRA and LVNV Funding LLC Be fined {$1000.00} to {$10000.00} per FCRA Violation

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.

Complaint:
I submitted this inquiry several times to the credit Bureau, requesting the creditor to send me documentation baring my signature, or delet this from my credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22
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:
Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/2022 XXXX XXXX XXXX/XXXX/2022

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 2023-04-02
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:
In accordance with the fair credit reporting act. This creditor has violated my rights under 15 USC 1681 sections 602, which states i have a right to privacy.15 USC 1681 section 604a section 2 it also states that consumer reporting agencies can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.

Complaint:
I have been with XXXX for many years I would say over 10 to be exact. Two years ago I rcvd a notice that I had a delinquent account and I was like that's not possible I called XXXX and they said we don't see that you are delinquent. So I disregarded the notice. When I then rcvd another one saying I was delinquent called back and gave them the account number on the notice and they found an account in my name for I believe XXXX dollars. I advised them that was not mine and that my real account with them has never been delinquent. They researched the account and found that it was a fraudulent account and deleted that account. About two months after that I started getting another delinquent notice from XXXX  but this time is was for XXXX for a phone and a phone line. I called XXXX  saying I rcvd another notice about another account in my name that was opened. When they researched it they stated that they would not remove it because the number associated with the fraudulent account called my real number. I told them how was I supposed to know that someone who obviously stole my info would call my number. The pretty much told me that I would need to research it myself to see who stole my info because its someone I know. The only thing they told me in regards to the fraudulent account is that someone went in one of the stores and opened the account and that they could not do nothing because it was a 3rd party authorize company. I told XXXX  that they would still be liable because before a new phone line is opened they have to verify my identity by looking at my ID and this did not happen because they would have seen that this person was not me. To this day I still have my real account with XXXX  but they are still holding me liable for letting someone open an account in my name

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 2021-03-16
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: F.H. Cann & Associates, Inc.

Complaint:
I am being victimized and harassed by debt collector, FH Cann & Associates. The company is harassing me by calling my neighbors regarding my past due student loan account. Two of my neighbors have reported to me that they have received calls from this company and told them that I need to call them to resolve a " personal matter. '' Of course, my neighbors surmised that this was a debt collector. The most recent call was on XX/XX/XXXX. 

The company representative who made the XX/XX/XXXX call is XXXX XXXX. The number she left is XXXX. I explained to Ms. XXXX that I am contacting the student loan lender to negotiate the issue. Previous calls were made in XXXX. 

Please find the contact information for FH Khann below : F.H. Cann & Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
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: ALLY FINANCIAL INC.

Complaint:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not 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 2022-02-24
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 XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS 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 non-monetary relief
Consumer complaint received 2018-03-31
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:
My credit report is showing an account for XXXX XXXX XXXX Acct # XXXX that has been paid in full which when the account was paid in full XXXX agreed due to a goodwill payment, once the payment has been made they will honor my request for my XXXX to be deleted off my credit report from all three credit breaus. Well needless to say, your credit breau has yet to honor XXXX deletion request off my credit report, the account is still showing on my credit report as closed. I have also faxed the document to your company, called and spoke to a representative at your office, informed them of the contact name and phone number who they can call at XXXX to confirm the information on the letter attached is accurate and still nothing. Let me provide you the information again, I spoke to XXXX XXXX with XXXX XXXX who is the collections manager with XXXX. XXXX with XXXX provided me with the letter attached approving the XXXX account to be deleted off my credit report.

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 2021-01-28
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:
XX/XX/25 I received a response from CFPB stating said company ( Experian ) stated they do not recognize me as their consumer or authorized representative ( reference complaint ID # 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 2023-02-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Education, LLC dba Aidvantage

Complaint:
I submitted a competed reaffirmation form XX/XX/XXXX. I was told I would receive confirmation of my filling within 7 business days. I am beginning a Master 's program on XX/XX/XXXX, which is why this form was needed so that my Financial Aid could be released. Here we are, XX/XX/XXXX, after 4 calls and 4 surgery people including a supervisor, I still have not received the form, which means I'll have to push my start date for school back. I have no books and am in no way ready to begin in 6 days due to this hold up. I was promised the form today and still haven't received it after speaking with 2 additional people. I need help with this issue. This is very poor customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2018-01-08
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: CITIBANK, N.A.

Complaint:
Hi there. 

I need documentation showing a time stamp for a transaction I made this morning, but Citibank customer service representatives refuse to provide it, and the timing information does n't appear next to the transaction when I pull it up online. I used my Citi card to pay for two hours at a parking meter - {$4.00} on Monday, XX/XX/XXXX. I got a parking ticket before those two hours expired and need documentation showing the time stamp of the transaction to prove to the city that I should n't have been ticketed. Please help. 

Thank you.

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 2021-01-20
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: EQUIFAX, INC.

Complaint:
The following accounts has been fraudulently placed upon my credit file the following accounts are not me and I'm demanding that these unauthorized accounts be removed from my credit file. 

1 ) XX/XX/XXXX{$100.00} 2 ) XX/XX/XXXX{$100.00} 3 ) XX/XX/XXXX{$470.00} 4 XXXX XXXX XXXXXX/XX/XXXX {$83.00} 5 ) XXXX {$31.00} 6 ) XXXX {$2100.00} 7 ) XXXX {$2000.00} 8 ) XXXX {$760.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
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: EQUIFAX, INC.

Complaint:
I have been trying to get a new car and when I was turned down I pulled my credit report, and I was furious! I have no knowledge of the debt that is listed and I have become very upset! Please help me, These accounts are not mine, I have tried to get all these accounts removed and have been unsuccessful! Please help me!! Remove these accounts please! XXXX XXXX is not my debt, I have no knowledge of this account! XXXX XXXX XXXX, I have no knowledge of this debt, it is not mine! There are two student loans reporting from XXXX XXXX XXXX XXXX XXXX. These are not mine, I have never been to or attended a college!. XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX are also reporting on my account and they are not mine either! There are 4 accounts that are closed! They are XXXX XXXX XXXX ( which is reporting twice! ) XXXX/ XXXX, and XXXX XXXX !! Remove these accounts! It should not be legal to report these accounts and I have informed these companies that these accounts are not mine! I have a load of inquiries that need to be removed as well, because they are in authorized! XXXX XXXX XXXX unauthorized XXXX XXXX XXXX- unauthorized XXXX- unauthorized XXXXunauthorized XXXX XXXX XXXX- unauthorized XXXX unauthorized XXXX unauthorized XXXX XXXX XXXX- unauthorized XXXX- unauthorized XXXX XXXX- unauthorized XXXX unauthorized XXXX XXXX XXXX unauthorized XXXX XXXX- unauthorized Please remove these accounts!! I am furious and ready to take action because these accounts are reporting and do not belong to me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc.

Complaint:
Progressive Management Systems is continuing to report an old debt that is n't mine. This debt is past the statute of limitations on the collection of debt and the y need to delete it .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-14
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION

Complaint:
1 ) 53 CLOSED MY ACCOUNT 3 WEEKS AGO WITH {$19.00} AND NEVER MAILED CHECK. 2 ) {$100.00} IS DUE ME. 3 ) {$10.00} OVERDRAFT FER IS DUE ME SINCE I DONT HAVE OVERDRAFT PROTECTION.

Company response to consumer: Closed with explanation