hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-08-18
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:
Time has already passed but up until now, I havent heard any kind of response and this was my many attempts from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of and kindly help me to delete these Charge off and late closed accounts XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. XXXX XXXX XXXX XXXX Owed : {$2900.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. 
XXXX XXXX XXXX XXXX : {$160.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. XXXX XXXX Balance Owed : {$560.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item 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 2021-10-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Sequoia Financial Services

Complaint:
On XX/XX/XXXX I received a letter from Sequoia Financial Services regarding collecting a Judgment that was filed against me in favor of XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$13000.00} + Post Judgment Int. in the amount of {$13000.00} bringing the total Judgment amount of {$27000.00}. The day I received this letter was the first time I have ever been notified about the Judgment. I don't know what this Judgment is for nor have I ever been served a summons to appear in court for any lawsuit filed against me from XXXX XXXX XXXX XXXX. So on XX/XX/XXXX I sent a letter requesting Sequoia Financial Services to provide me with verification of this debt, which they have failed to do. I still haven't received any documents verifying this debt. However on XX/XX/XXXX I received a notice of involuntary XXXX XXXX XXXX of XXXX XXXX Registrar-Recorder/County Clerk 's office, that was filed on XX/XX/XXXX by XXXX XXXX XXXX & XXXX XXXX Which I have no idea who that is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. 
Please see this complaint is processed to the letter of the law. I have disputed this XXXX XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. 
The account has been closed however, the account payment status is late. The account payment status CAN NOT be late on an account that has already been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. 
XXXX XXXX  XXXX Date Opened : XX/XX/2021 Balance : Balance : {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
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:
XXXX XXXX is improperly reporting 90 days in XX/XX/XXXX late on my credit report for 12 different loans. I received a forbearance on all loans with XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX ( the " forbearance '' ). As a result, no payments were required during the forbearance period, which is documented by a correspondence from XXXX XXXX and attached hereto. I submitted a dispute with XXXX  in XX/XX/XXXX but the dispute was denied in XX/XX/XXXX. I contacted XXXX  on XX/XX/XXXX and they told me the reporting is valid and they can not remove the late payment history, despite me offering to provide XXXX XXXX 's correspondence approving a forbearance. As a result of the negligent actions of XXXX XXXX and XXXX, my credit score is extremely damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
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: Experian Information Solutions Inc.

Complaint:
In accordance with the Fair Credit Reporting act US Dept of EDXXXX Account # XXXX and XXXX XXXX  Account # XXXX, had violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-01-31
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 have submitted a dispute for a collection account with XXXX, XXXX original creditor sprint that has been deleted from my credit report due to fraud when it showed on my credit report from another collection agency back in XXXX of XXXX. This item has reappeared on my credit report as if the debt has been sold.Which in fact should have been blocked after being verified that this has been a fraudulent account. I have reached out to the collection agency for debt validation received no response submitted a dispute for the following account & I just got a computerized response as validated from Experian as accurate when in no way this account was validated just XXXX  days after me submitting a dispute. My dispute date was XX/XX/XXXX dispute results XX/XX/XXXX. No way this has been verified in XXXX day. I ask this account be removed from my account and blocked as I will be filing suit with my local courthouse.

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 2021-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.

Complaint:
Got s bill from an account I didn't open nor did I make the purchases.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-18
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BlueChip Financial

Complaint:
continues to call me at work or cell phone states they have documentation that they are going to submit. When I asked them to stop calling they become irate and verbally abusive

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 2018-04-04
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:
The Tax lien is incorrect please remove. 
XXXX Recorder of Deeds Date FiledXX/XX/2010 Type Release of tax lien Reference XXXX Plaintiff STATE OF GEORGIA

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 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.

Complaint:
Account showing closed when still open have attempted to resolve but Continues to harm ability to seek financing with other companies

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 2020-07-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch

Complaint:
Online harassment concerning loans. Question whether the loans are mine or applied for in my name by ex husband. Identity theft. Tried disputing with credit company but unable to. Loans are controlled by XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint:
Equifax is incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX and XXXX however, Equifax has not removed this from my credit report. I have contacted the bureau to fix this however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
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: HYUNDAI CAPITAL AMERICA

Complaint:
I tried contacting this company on XX/XX/XXXX and XX/XX/XXXX regarding an unauthorized inquiry. However they have not returned my call.

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 2020-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AmeriHome Mortgage Company, LLC

Complaint:
I'm writing to request a correction to my & my wife 's credit reports to all the 3 credit bureaus : XXXX, XXXX  & XXXX. I have paid every mortgage payment on time since the inception of our mortgage account. 

In XX/XX/2020, AMERIHOME made a mistake and did not apply my {$1100.00} payment submitted on XX/XX/2020 to my mortgage account. This resulted in a 30-day delinquency noted on our account and credit reports. 

I submitted my XXXX payment on time ( as usual ) not knowing that the previous payment was not applied. On XX/XX/2020 the {$1100.00} payment submitted on XX/XX/2020 was returned by AMERIHOME into my XXXX  XXXX XXXX checking account. 
( see support documents : XXXX XXXX XXXX Transaction Details : XXXX & XXXX ) I submitted the XXXX payment on time ( as usual ) still unaware of the unapplied XXXX payment. Later in the month of XXXX, I discovered the error and immediately made another payment on XX/XX/2020 to catch the account up. All previous and subsequent payments were made on time. 
( see support documents : XXXX  XXXX XXXX Online Banking : AMERIHOME Payment History ) I take my mortgage obligation very seriously and as the supporting documents indicate, I always initiate payment in a timely manner. It was AMERIHOME that did not apply the XXXX payment to my account, ultimately reversing the payment into my XXXX  XXXX XXXX checking account. When I explained what occurred to AMERIHOME customer service, the agent acknowledged the mistake and waived three ( 3 ) {$39.00} late charges totaling {$110.00} on XX/XX/2020. The late charges were waived, but my credit reports still reflect a delinquency that negatively impacts my XXXXredit score. 
( see supporting documents : AMERIHOME Customer Account Activity Statement ) I've contacted AMERIHOME via phone, email and fax communications at least a dozen times beginning XX/XX/2020 with no resolution. 

Therefore, I'm filing this complaint with CFPB. Please advise if additional support required.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report, This complaint will be my follow-up complaint to ensure the fixing of these accounts. 

OFFICE OF THE ATTY GEN XXXX Date opened : XX/XX/2023 Balance : {$15000.00} OAG CHILD SUPPORT ENFORE Opened XXXX XXXX, 2023 Balance : {$15000.00}

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 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint:
I paid a bill from XXXX  that was in charge off as Im trying to get square with any money I owed. Some how XXXX XXXX reported it as a 30 day late and it tanked my score. It is not accurate and I would appreciate your help in this matter. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.

Complaint:
On XX/XX/XXXX I made an online payment of {$1600.00} on my credit card. At that time the previous Balance was {$1300.00} and the open balance was {$1600.00}. So I made a full payment and the card balance should reflect a {$0.00} balance. The following month I received a statement with the balance of {$18.00}. It seems I got billed interest on the card with no balance at all. I was thinking it is an error on the bank 's part and did not pay the bill. On XX/XX/2022, I received a notification that my card balance is XXXX. I contacted support via chat and they explained the charges. Interest rate $ XXXX late fee $ XXXX {$37.00}. They also confirmed that they waived the charges and it should reflect on the next billing statement. 
The same day, on XX/XX/2022, right after chatting with the support, the credit card company lowers my credit limit from {$1400.00} to {$300.00}. 
On XX/XX/2022, around XXXX I contacted the bank to get a clarification on why my credit limit was changed. XXXX who was on the phone told me that the only fee that was waived is the late fee and she will remove the interest fee. I asked for confirmation but she didn't provide it and told me that I should receive an email confirmation that all fees are waived and the balance on the card is zero. Also, I asked to discuss the credit line issue and she transferred to the credit department. XXXX ( ID # XXXX ) explained that the credit was reduced because my credit score was changed. Since he could not help I asked to speak to a supervisor. XXXX ( Id # XXXX ) was telling me that all the charges are correct and one of the factors is that credit was lowered because of the past due amount. After mentioning to XXXX that " I won't be surprised if you close my credit card after this conversation, she responded that due to your request we will close the card ''. 
This is how credit cards are helping hard working people trying to pay off their debts in these hard economic times. 

The bottom line is 1 ) I paid off my entire credit card debt. 2 ) After paying on time, I got billed additional interest, a late fee, and the credit line decreased. 

The actions of the employees are very unprofessional, rude, and ridiculous.

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 2016-01-21
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: CITIZENS FINANCIAL GROUP, INC.

Complaint:
My daughter attended XXXX XXXX and XXXX XXXX, NJ graduating in XXXX with a BS in geology. During this period I was employed. After suffering a XXXX XXXX and long unemployment, we were unable to make regular payments on the loads, and my daughter, while employed, makes less then {$10000.00}. Consequently we missed making loan payments. I contacted the legal department and the Office of the Chairman of Citizens bank, the lender, in XXXX XXXX in an effort to reestablish an affordable repayment plan. After several discussions in XXXX of XXXX, I was instructed in writing by the legal department to submit XXXX {$100.00} payments with the expectation that I would be subsequently billed regularly in an effort to repay the debt. I received no billing, and no further correspondence or contact until XXXX XXXX, XXXX. Starting on XXXX XXXX, XXXX, Citizens bank began dunning calls, XXXX to XXXX times a day, and began calling relatives. Then I received a letter on XXXX/XXXX/XXXX dated XXXX/XXXX/XXXX acknowledging the payments, advising that no further payments were received " since XXXX/XXXX/XXXX on the above referenced account, which you agreed to pay. '' Yes, I did agree to pay, where are the bills? Why have they immediately resumed vicious dunning tactics? Why did they not follow through with our agreement to resume billing?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
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: Experian Information Solutions Inc.

Complaint:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these accounts. 

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 explanation
Consumer complaint received 2022-07-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Early Warning Services, LLC

Complaint:
I have a small XXXX  where I make XXXX XXXX  and XXXX XXXX XXXX. This person reached out to me for a local event and even provided a date, time, location for this specific event. They sent me half the money up front via an e-check. When I deposited it via my mobile account, the check cleared almost immediately. Then, a day or so later this person reached out saying that the event was cancelled due to XXXX. They asked me to send the money back via Zelle. A few days went by and I received a copy of this check in the mail from my bank with a fraud stamp on it. I thought that was weird since it cleared on my mobile bank account. So, when I went to look back at my bank statements, I noticed THREE returns made to this person. The return I made specifically to them, another {$1500.00} they decided to take, and in addition to that another return that I didnt make for {$15.00} to that same person. This was incredibly awful and a lot of money taken from me. I have all the information saved in my email for further use if needed. I also have their email address and the Zelle account they used. Thanks in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.

Complaint:
I have never had this company in my name. This says it has been open since XX/XX/2017. I have had XXXX for over 2 years. There is no way that this could be my debt. Company has not sent proof that this was done by me. Only thing that I just recently received was a settlement letter. I am not paying for something that I have never had in my name. They are saying I owe {$500.00}.

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