hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
XX/XX/2023 a dispute was sent to Trans union in relating to accounts that were on my credit report that did not belong long to me. These accounts were fraudulent. I submitted a FTC fraud report, police report, attached to a letter to TransUnion, as well as XXXX, and XXXX. XXXX and XXXX removed the fruadulent accounts but not TransUnion. On XX/XX/XXXX, I sent a 2nd letter to TransUnion stating that XXXX & XXXX removed the information. How is TransUnion verifying this information if all 3 bureaus get the information from the same source? I reattached the police report and FTC fraud report. On XXXX, XXXX XXXX  I received a letter from TransUnion stating they will reinvestigate. As of XX/XX/XXXX the information disputed has not been properly verified by TransUnion.

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 2018-09-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.

Complaint:
COMMONWEALTH FINANCIAL has inserted 2 ACCCOUNTS representing different medical companies into my credit file. I have never had any business or obligation with Commonwealth nor the medical companies they represent..NOR have I ever signed any form related to release any medical history to any companies. This is entirely against HIPPA. I am a victim of identity theft and there is a fraud alert on my credit file. Commonwealth can not provide a contract bearing my signature that I have any obligation that I would owe or ever owed them any monies because I never signed one. Commonwealth has never contacted me regarding the attempt to collect a debt yet they just inserted onto my credit file without warning. there is no contract and never has been one. there is no legal proof bearing my signature that proves that I indeed owe monies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
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: DISCOVER BANK

Complaint:
My son has been partaking in the after school program with XXXX XXXX XXXX XXXX XXXX XXXXXXXX in XXXX, Georgia during the second half of this school year. A couple weeks into his enrollment, he began describing incidents of XXXX XXXX  by other kids at the center that weren't being addressed by the staff. This eventually resulted in my son XXXX XXXX assaulted on the bus to this program and continued as XXXX XXXX  by other kids at the center itself. When I brought up these issues with the staff, I was met with hostility from the CEO and when I asked to just be refund refunded for the {$50.00} we had prepaid for the upcoming month of service that had not begun yet I was told they don't do refunds and was physically removed from the property. I disputed this charge with discover, as I made the payment with this card, but my claim has been denied based upon what is in my opinion an unfair policy. I hope to get this resolved as I do not feel it is right that I have paid for a service I never received and am unable to redeem at a different location.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
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. The list of accounts below has violated my federally protected rights to privacy, confidentiality, and my rights of being a victim of identity theft under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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

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

15 U.S.C. 1681c. ( a ) ( 5 ) Section 2 : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 Section 623 ( a ) ( 6 ) If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information, 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC.

Complaint:
It has been well over 30 days and I have not received a resolution or any communication regarding the previous complaint below : On my Equifax account under XXXX. Collections, it currently states " You do not have any collections in your file. However, when i go to XXXX. Other accounts, it lists under XXXX ) XXXX XXXX XXXX XXXX with account status collection, XXXX ) XXXXXXXX XXXX XXXXXXXX account status collection, XXXX ) XXXX XXXX XXXX, XXXX ) XXXXXXXX XXXX XXXX account status collection, XXXX ) XXXX XXXX XXXX XXXX account status collection ( this account does not list an account number ), XXXX ) XXXX XXXX XXXX XXXX account status collection. All 6 of these collection accounts are not only listed inaccurately under other accounts, one of the accounts does not even include an account number, nor do any of the accounts have the correct opening date or date of first delinquency. According to my credit report, I do not have any collections as stated under section 10. Collections. I also noticed under XXXX. XXXXXXXX XXXX  XXXX ) XXXXXXXX XXXX XXXX account status is charge_off with a reported balance of {XXXX}. A charge off can not be listed with a past due balance, XXXX XXXX XXXX XXXX account status Charge_off, the date of first delinquency is inaccurate, XXXX XXXX XXXX XXXX XXXXXXXX account status Charge_off, the date of elinquency is inaccurate, XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX account status Charge-Off , the date of delinquency is inaccurate, the same applies to XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX These accounts are also listed inaccurately under revolving accounts. The FCRA clearly states that information in your credit report must be 100 % accurate or the inaccurate items have to be removed per XXXX law. I demand that the inaccurate accounts listed above be removed in their entirety from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
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: EQUIFAX, INC.

Complaint:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX  Acct  # XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX XXXX XXXX  Acct XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: International Computer Systems, Inc.

Complaint:
XXXX XXXX XXXX - Balance reported as XXXX starting on XXXX was the collection XXXX XXXX XXXX Balance reported as XXXX starting on XXXX was in collection XXXX XXXX XXXX Balance was reported as XXXX starting on XXXXXXXX XXXX XXXX XXXX Balance was reported as XXXX starting on XXXXXXXX XXXX XXXX XXXXXXXX Balance was reported as XXXX on XXXXXXXX XXXX XXXX balance was reported as XXXX on XXXXXXXX XXXX XXXX XXXX balance was reported as XXXX on XXXXXXXX XXXX XXXX XXXX balance was reported as XXXX on XXXXXXXX XXXX XXXX XXXX Balance was reported as XXXX on XXXX XXXX XXXX XXXX Balance was reported as XXXX on XXXXXXXX XXXX XXXX XXXX Balance was reported as XXXX on XXXX ACCOUNT NAME UNKNOWN Balance was XXXX as of XXXXXXXX XXXX XXXX Balance was reported as XXXX as of XXXX XXXX XXXX XXXXalance was XXXX as of XXXXXXXX XXXX XXXX Balance was XXXX as of XXXXXXXX XXXX XXXX  Balance XXXX as of XXXXXXXX XXXX XXXX XXXX Balance was reported as XXXX as of XXXXXXXX XXXX XXXX  Balance was reported as XXXX as of XXXX XXXX XXXX XXXXalance was reported as XXXX as of XXXX All of these accounts are listed as MEDICAL accounts at a time in which I had health insurance and I was told that the premiums for each visit would be covered. This information on my report needs to be reviewed because I do not feel that I should be held reliable for these charges. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
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 reviewed a copy of my credit report and the following ran an unauthorized credit inquiry on me on the following dates I have been a victim of Fraud and per FCRA Experian should be reporting my information accurate : Experian : XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I never authorized such action and this constitutes a violation of my rights under the fair credit reporting act 604 as well as a violation of my rights to privacy. I need these fraudulent inquires removed from my credit reports.

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 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
There are Four accounts that are closed and I would like for them to be removed off my credit report and a collections that I dont have any knowledge of is also incorrect on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-14
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:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
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:
I have disputed XXXX XXXX several times and it comes back verified. How can it comes back verified when it's reporting different information on all bureaus? Highest balance is different along with last payment. This is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA

Complaint:
My student loan servicer is MyFedLoan.org, and I have been inquiring about the reason for my interest being capitalized several times over the past several years. I understand that there are certain triggering events that could cause interest to capitalize, such as coming out of forbearance. However, the dates on which my interest was capitalized do not all seem to be supported by a valid reason ( although a couple of them do ). I've called a few times and submitted requests in writing to have someone research my account and tell me the justification for capitalizing the interest, but I have not gotten an answer - it's been a year. The interest capitalization represents around {$100000.00} so it's not inconsequential. I would appreciate some assistance in helping me ensure that my student loans are being properly serviced. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
Pease refer previous complaint ID : XXXX for more details. Please DO NOT close the case This is regarding my money being stolen from Bank of America online ( via BILL PAYMENT ). this is reference ( XXXX ) to BOFA company asked here is information : XX/XX/XXXX : Again BOFA requested : In the event you are able to provide proof of malware from your internet provider or mobile phone carrier, the claim may be re-opened for review. 

XX/XX/XXXX : I called XXXX internet provider customer service on the phone, they confirmed-NO breach happened at that time. they are not sure how I was hacked. 
Please do reconsider the claim, as you know history : On XX/XX/XXXX When I noticed XXXX pending transactions trying to post against my account. I contacted the bank immediately XXXX went to XXXX , md police satiation and filed a case related to the same thing ( XX/XX/XXXX, XXXX received a police report as supporting documentation ) XX/XX/XXXX : I Sent XXXX XXXX cell phone provider transaction copy ( as BOFA requested ) . 
XX/XX/XXXX : Again, the BOFA investigating officer called me and inquired about laptop window security/Defender/malware/version.etc and He told me to get back to me. 
XX/XX/XXXX : Again, BOFA fraud dpmt requested to provide support document saying that My computer hacked, or malware got affected from XXXX XXXX ( diagnosis system ) XX/XX/XXXX : I went to XXXX XXXX center, XXXX, MD XXXX XXXX XXXX said that since the unit has been reset a report would not be possible as the unit was already cleaned by the full system reset to factory settings that was suggested by bank of America at the time of the process ( on the call on XX/XX/XXXX ). 
So even if I hadnt reset my laptop, XXXX XXXX informed me that they would not have been able to produce a report as it happened a couple of months ago and XXXX periodic updates would run in meantime, would have removed the detected security issues. 

So please help on this, seeking assistance in getting the funds returned. 
CLAIM # XXXX BUSINESS NAME : XXXX XXXX XXXX LAST XXXX DIGITS OF ACCOUNT # XXXX POLICE REPORT # XXXX Office of the Comptroller of the Currency / Case number : XXXX Thanks & regards, 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 2016-05-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA

Complaint:
AES Success mishandled my loans in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and consolidated all of my lower interest loans into XXXX higher interest rate loan. 

AES Success also never removed late fees and penalties on my loans after consolidation. 

AES Success capitalized late fees, penalties and interest on interest into the higher interest rate consolidation. 

AES Success also failed to properly account for principal paydowns in years XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, when I made multiple payments, most of which were directed toward reducing the principal balance. 

I suspect that my current loan balance is overstated by {$4000.00} to {$5000.00} because of too-high interest expense, because of penalties and fees that were capitalized and because of fraudulent calculation of principal and interest payments. 

I request that the CFPB conduct a comprehensive audit of my student loan accounts with AES Success. I first want my interest rate on the consolidated loan to be changed back to the lower rate initially offered to me by AES Success. My consolidated loan 's interest rate is at least 1 % too high. My rate should be much lower!!! 

AES Success mishandled, misadvised and fraudulently handled my student loan application. I have paid dearly for their unprofessionalism. 

I also want a comprehensive audit to calculate all of the late fees, penalties and interest that accrued on my loans prior to consolidation. I want all of the fees and penalties removed, since they were the result of AES Success ' mishandling. 

Lastly, I want a comprehensive audit to calculate the proper amount of principal reductions that should have occurred in periods where I made multiple payments.

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

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right 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 explanation
Consumer complaint received 2023-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION

Complaint:
On XXXX of XXXX, my auto-draft function did not go through by no fault of my own. I spoke with someone at the time who called to collect, I explained the situation, she informed me that it had already reported delinquent. I escalated the issue, created a ticket, spoke with someone in IT whos acknowledged error. However, they insisted that I was legitimately late. I disputed the negative report twice ( I believe ) with the bureaus, and Regions claimed no error occurred and I continued to be reported as late. Today, XX/XX/XXXX, I received a letter from Regions Bank with a check for {$41.00} and an explanation that between XXXX, they have determined that their recurring payment system did not work as expected and failed to make a payment to my card as I have requested on one/more than one occasion. I paid dearly for this error as it hindered my ability to refinance my mortgage at a time of divorce and I have more than paid an unfair price for credit due to the near XXXX points dropped in my credit score. I just checked my report today and it STILL reflects 30 days late despite their acknowledgement of their fault. I want it fixed on my credit immediately and I want paid more than the {$41.00} they think they owe me for denying my dispute on more than one occasion then claiming responsibility 6 years later.

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 2019-05-01
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:
Credit report shows an incorrect balance of approx. {$19000.00} on my XXXX XXXX XXXX XXXX Visa, when it has actually been approx {$13000.00} for several months.

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