hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2018-01-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RMA Credit Association

Complaint:
After noticing the debt on my credit report, I sent a Debt validation letter to XXXX XXXX XXXX. A request was made pursuant to 15 USC 1692g Sec. 809 ( 6 ) of the FDCPA. As stated in the law, XXXX XXXX XXXX did not cease collection activities, in fact, they continued reporting to the credit bureau. To date, I have not received a letter or phone call from the XXXX XXXX XXXX or any attempts by the debt collector to validate the debt they believe I owe. It has been more than several months since they placed the debt on my credit report and More than 1 month since I requested validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE

Complaint:
The credit card company allowed charges on my card in excess of the credit limit. Over double the limit. They didnt notify me or decline the charges. And they were made by authorized use. 
Barclays Bank XXXX credit card. I have closed the account and am disputing charges over the limit.

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 2023-04-14
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:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/2022 XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2021-07-30
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: Bread Financial Holdings, Inc.

Complaint:
I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my credit report : XXXX XXXX/XXXX  Balance $ XXXX-Date Opened : XX/XX/2015 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-16
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ESCALLATE, LLC

Complaint:
Four months ago, Escallate Collections and I made an agreement to pay $ 30 monthly. And I have already paid {$130.00}. So, I wonder why this statement is still there. 
Thanks 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 2022-08-16
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: Bread Financial Holdings, Inc.

Complaint:
On XXXX received a text message from Comenity Bank Fraud Department asking if I would verify a transaction on my XXXX account of {$84.00} for XXXX XXXX . I replied I did not authorize this. They replied in a text message that they would call me to conform my account activity. I missed the call but tried to call back on the phone no. XXXX. I tried calling backbut keep getting a recorded message that they were getting many calls and to stay on the line which could be a XXXX wait. I have tried numerous times trying to get through to talk to a representative. I then checked my credit card account statement online and noticed another charge that I did not make of {$98.00} on my XXXX XXXX XXXX account to XXXX XXXX # XXXX which was made from XXXX which took place on XX/XX/22. I contacted the XXXX XXXX XXXX on XX/XX/22 to notify them that I did not make that purchase. I also contacted my local Police Department ( XXXX XXXX XXXX  XXXX. in XXXX XXXX ) on XX/XX/22 about this matter and filed a police report. According to my online credit card statement Comenity Bank 's system wouldn't be back on until XX/XX/22. On XX/XX/22 I emailed a message to the Fraud Department of Comenity Bank because I couldn't get through on the phone. I received a reply saying " Please accept our apologies for any inconvenience you've experienced. Please call XXXX at your earliest convenience. '' I have tried many times tryng to get through but keep getting the same recorded message and no one answers. Unfortunately I ended up paying my bill. I also put a lock on my credit card. I also asked them to call me back in an email message. I also asked for a paper statement to be mailed to me. As of today no one has called. On XX/XX/22 I sent a letter to them by certified mail about this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion Consumer report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC

Complaint:
Received a collection notice on XX/XX/18 from Receivables Performance Management dated XX/XX/18 for a XXXX bill we dont owe. I currently have XXXX telephone service with autopay for several years now and didnt take the notice serious. On XX/XX/18 I checked credit reports via XXXX XXXX and the collection account is in my XXXX XXXX credit report. XXXX XXXX has put this unjustified collection account in my report and lowered my report by 70 points for a single {$280.00} Collections account. This is an abuse of the credit reporting bureau that is not being unpartial and penalizing my credit score unfairly. I would understand lowering my score 5 points for one negative report but not 70 points. In addition to XXXX XXXX and XXXX XXXX websites will not let me file a despute for the collection account. Both websites indicate error messages when trying to file a complaint. This unjust act must be cleared up immediately, please restore my credit report the 70 points. In addition to this XXXX, Receivables Performance Management is to clear the negative collection report on all of my credit monitoring report ( XXXX XXXX, XXXX and XXXX ). I also would like lifelock credit monitoring to be provided for this unjust act, with compensation of ten times the amount claimed owed {$2800.00}.

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 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Transunion customer service department did not help remove the negative inquiry that are reporting on my credit report. Which is below : XXXX XXXX XX/XX/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 2019-04-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
On XX/XX/2019, I was notified through credit monitoring that Capital One reported that I owed a balance of {$1700.00}. The account being referred to was settled in full on an agreed upon settlement. I initially filed a dispute because of this false reporting that Capital One was doing. Eventually, Capital One reported the account at a {$0.00} balance. After the notification, I contacted Capital One representative that is already working a case that I have filed due to the same dispute about the issue. I was advised that because a dispute was submitted that the balance was placed back onto my XXXX  account. Why would they maliciously place a balance back onto my credit report after already noting the balance at {$0.00}? This makes absolutely no sense. Furthermore, the balance being reported is an incorrect difference between the settled amount and the amount that would have been remaining if Capital One did not agree to the settlement offer they provided to me. I do not owe Capital One anything on this account. They have significantly caused me damage in that my score dropped 28 points and I was no longer able to finance a vehicle and I am in the process of trying to buy a house! On top of them reporting this balance, they reported that I had been late on the payments for the last three months! I paid this account off at the end of XXXX! 
After contacting the account representative, there is still no progress in them fixing my report. 
I work at an agency that requires good standing with all credit accounts. This malicious reinstatement could potentially cost me my job as well. 
I have worked very hard to get all of my debts resolved and paid off to do something like this in retaliation is beyond me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.

Complaint:
On XX/XX/22, I leased a new XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX, CA. The agreed upon price including my trade in was a XXXX mo. lease with zero drive off at {$450.00} per month INCLUDING Tax at a rate of 9.5 %. Upon review of the lease contract the following day, I noticed an error in the amount of tax charged and notified the dealer of the error. They told me not to worry that the contract was correct. When I received my statement from Chrysler Capital indicating a monthly payment of {$450.00}, I explained that the dealer had made an error in calculating the tax and that the payment was now more than I agreed upon as well as an amount different than my lease contract indicates. Chrysler Capital explained that they must collect the correct amount of sales tax and can not go back to the dealer to remedy the shortage from their proceeds to arrive at the agreed upon payment of {$450.00} per month including tax. 
I feel this is a breach of contract by the dealer to clearly indicate an incorrect amount of tax to show a total payment of {$450.00} to get me to sign knowing that Chrysler Capital will catch the error and charge the consumer the difference without demanding that the dealer correct the contract with the customer. Both the dealer and Chrysler Capital are unwilling to remedy the discrepancy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY

Complaint:
After being reporting false payment history and balance information and MANY submissions through all 3 credit bureaus, Ive provided evidence showing all payments Ive made and the reported balance is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-27
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Utah System of Higher Education

Complaint:
On XX/XX/XXXX I had an appointment at Utah XXXX XXXX XXXX   XXXX ( XXXX ) in XXXX XXXX XXXX to discuss a repayment program, after 2 1/2 hours the person said she would run the numbers and get back with me but in the mean time be sure to make your {$50.00} payments. I never heard back from XXXX. On XX/XX/XXXX I sent an email to XXXX asking what was happening. I never heard back from them. On XX/XX/XXXX I emailed XXXX stating that my credit report was showing I had an " open '' credit account and that information was incorrect. On XX/XX/XXXX I received the first and only email stating that they reported the account closed as of XX/XX/XXXX and paid in full. XXXX reported the to credit bureau delinquent for XX/XX/XXXX, XX/XX/XXXX which is seriously affecting my credit. I followed through with what they told me to do, I paid {$50.00} every month XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and they still reported me delinquent. I finally had to refi with XXXX, and that too cost me. I would like my credit report updated and the delinquency taken off. I asked their office 2 weeks ago, they said they would not do that. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC

Complaint:
I SENT A LETTER REQUESTING VERIFICATION. ONLY RECIEVING PHONE CALLS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.

Complaint:
On XX/XX/2022 i opened a credit account. Both my XXXX and XXXX are reporting a collection as an " open account '' which is not an open account and is under FCRA compliance. This is inaccurate reporting and needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
TransUnion was incorrectly reporting my account with XXXX XXXX XXXX XXXX as closed, even though it is open and active. On XX/XX/2018, rather than correcting the error, the account was deleted. I am a co-applicant for the 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 explanation
Consumer complaint received 2023-09-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION

Complaint:
I deposited XXXX $ into ATM number XXXX on XX/XX/2023 at XXXX XXXX. The atm malfunctioned, took the XXXX $ and spit back out my debit card with a receipt stating, We are unable to process your transaction due to a technical problem. If your items were not returned to you, please visit your nearest regions branch. They gave me a provisional credit of the XXXX $ the next day, stating they would investigate the claim. The sent me a letter in the mail stating that the ATM was counted and the balance was correct, basically telling me that I didnt deposit any money, and that they didnt believe me. So the XXXX $ was taken back out of my account. I have tried numerous times to see the atm footage, but they refused to show me anything. At this point regions is basically stealing XXXX $ from me. I have a long history with them of large cash deposits. Now I am worried I wont ever get the $ back, and they have done nothing to help 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 2023-08-21
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: Experian Information Solutions Inc.

Complaint:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2021-07-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.

Complaint:
I sent out Dispute Letters to XXXX, Equifax, And XXXX  for inaccurate information on my Credit Report on XX/XX/XXXX. I did not receive a reply back from XXXX  and Equifax. I then sent out a second round of Dispute Letters to On XX/XX/XXXX to again dispute the inaccurate information still being reported on my report and still have not received an response from XXXX  or Equifax. This has been well over the allotted time for an investigation. Please Advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get 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 2023-04-17
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:
Re : Complaint against XXXX, XXXX, and Equifax for Reporting Multiple Incorrect Name Variations on My Credit Report in Violation of My Religious Rights Dear Sir/Madam, I am writing to file a formal complaint against XXXX, XXXX, and Equifax for XXXX multiple incorrect name variations on my credit report, which not only creates confusion but also conflicts with my religious beliefs. My legal name is XXXX XXXX XXXX XXXX, as evidenced by both a court order name change and an authenticated birth certificate. However, the credit reporting agencies have been reporting multiple name variations, such as XXXX XXXX XXXX XXXX and others, which is not only inaccurate but also inconsistent with my religious rights creating my soul being shared with multiple people and me not having XXXX. 
These multiple name variations on my credit report have created the appearance of multiple individuals, causing challenges in obtaining credit, as well as other financial and personal hardships. This issue has also caused me emotional distress, as my religious beliefs are an essential aspect of my identity. I have attempted to resolve this issue with each credit reporting agency individually but have not received a satisfactory response or resolution. 
Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain accurate and complete information in consumer reports. The incorrect reporting of multiple name variations by XXXX, XXXX, and Equifax is a violation of the FCRA. Additionally, it is crucial to respect my religious rights, as protected by the First Amendment to the United States Constitution. 
I am seeking the following remedies : 1. The immediate correction of my name on my credit report to reflect my legal name, XXXX XXXX XXXX XXXX, and the removal of all incorrect name variations. 
2. A written confirmation from each credit reporting agency confirming the correction of my name and the removal of incorrect name variations.

3. An updated copy of my credit report from each credit reporting agency showing the corrected information. 
I have enclosed copies of my court order name change and authenticated birth certificate as proof of my legal name. Please investigate this matter and take the necessary actions to correct the inaccurate information on my credit report while honoring my religious rights. 
I appreciate your prompt attention to this matter. If you require additional information or documentation, please feel free to contact me at [ XXXX ] or [ XXXX ]. 
Sincerely, [ XXXX XXXX XXXX XXXX ( XXXX ) ]

Company response to consumer: Closed with explanation