hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2021-06-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
So I really dont know where to start with this whole process but I would say for the better part of 10 years now I have been dealing with debt collection agencies contacting myself and my family for debt that I have not accrued. I know a few years ago I call Trans Union and I called XXXX and I went through a process where I had to identify myself, and prove that I am not the person that they are looking for. I know when I get phone calls or debt collection in the mail they are asking for somebody with a very similar name and through the process I have found out that his Social Security number is two digit off but my TransUnion credit keeps getting hit for it, where as my XXXX is not affected ever. Im just at a loss because I have fought this before and it wasnt shortly after where the debt collections came back so I want to just know if theres something else I can do on my part before I try to call Trans Union again and deflect these charges but I have a feeling its gon na come back unless I do something proactively

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 2023-01-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Omega RMS, LLC

Complaint:
Cease and Desist have been sent to Omega RMS. I also demand to see The Bill of Assignments and Chain of Title of all alleged debt bearing my name to validate. I didn't directly consent for this company to have my personal information. I demand my personal data be deleted. Omega RMS is only to contact me thru the CFPB, and stop communicating with third parties about my information. This company has also violated several consumer laws that protect from deceptive practices as stated in my letters. I will seek monetary damages

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
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: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I received the response from Capital One and it seems I was not clear enough, and that has caused confusion. That is my mistake and I will be more detailed this time. I did not mean to suggest that my original Capital One account was the one opened fraudulently. My original account ( opened 2012 ) was compromised. After someone gained access to the account, they changed the address for statements to an address in XXXX XXXX. They then obtained an additional card and began making fraudulent charges on my account. That is the information I am disputing. The charges that were made AFTER the billing address was changed and a new card was obtained. My only issue with the initial response is that Capital One states I never disputed ownership of the account. While I never explicitly said this account is not mine I absolutely disputed the validity of the account after it had become clear there was fraudulent activity. Again, to summarize, I am not saying I never opened this account. I am saying that it was compromised, and I should not be held responsible for fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
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: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I did not authorize this information that's on my report, It does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc.

Complaint:
CBE sum how showed up on my credit. Did not ever have charter services. Its hurting my credit and needs to be removed. The ammount is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.

Complaint:
Loan provider ( Navient ) lowered month due amount by XXXX %, while also preventing me from easily setting up recurring automatic payments. This option was previously available by other lender ( XXXX XXXX ) before being sold. This makes it more difficult to pay off loan amount quickly and shows the provider is seeking to get as much interest as possible. I did not approve lowered rate, but was rather opted into it by Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.

Complaint:
Around XXXX, XXXX, XXXX, and XXXX of XXXX, I have been trying to dispute the incorrect information from my credit report. I have also sent a big envelope with reporting documents informing them that this account isn't ' mine The documents showed everything that XXXX XXXX had given to ( XXXX XXXX XXXX ) XXXX XXXX had violated my medical rights by sending my XXXX records to this person. I will be sending you all everything that I have and was sent to me and proof I don't own this bill.

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 2019-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.

Complaint:
On XX/XX/2019, I called Citibank Customer Service and disputed a charge on my Mastercard account in the amount of {$840.00} dated XX/XX/2019. Advised them that the charge was not authorized by me and payment was not owed to the CC Merchant. 
I did not receive a written acknowledgment from Citibank and called them again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I received the first notice/letter from Citibank by e-mail, wrongfully asking for 'proof of payment ' for the purchase though other means. On XX/XX/XXXX, I sent a letter to Citibank ( USPS tracking # XXXX XXXX XXXX XXXX XXXX XXXX ), with copies of my e-mail correspondence with the CC Merchant disputing the charge. Citibank gave me a temporary credit of {$100.00} on XX/XX/XXXX, which they told me was a mistake, with two contradictory explanations. On XX/XX/XXXX Citibank gave me a temporary credit of {$840.00} and reversed the temporary credit of {$100.00}. On XX/XX/XXXX, Citibank debited my Mastercard account, with the amount of {$840.00} plus interest, for the reverse of the temporary credit given on XX/XX/XXXX. On XX/XX/XXXX, I received a notice/letter from Citibank dated XX/XX/XXXX, stating : - " due to the amount of time that has passed since this charge was first billed to your account, we no longer have any recourse to obtain a credit on your behalf ''. On XX/XX/XXXX, I sent a letter to Citibank ( USPS tracking # XXXX XXXX XXXX XXXX XXXX XXXX ), describing the events surrounding the dispute and demanding a permanent credit of {$840.00} plus interest. 
Citibank was negligent in handling my Mastercard dispute and I request the assistance of CFPB to obtain this credit.

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 2022-06-14
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: EQUIFAX, INC.

Complaint:
In accordance with the fair credit report act XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX  XXXX XXXX ), XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX, and XXXX XXXX XXXX violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-06-17
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: Nelnet, Inc.

Complaint:
Lawful Notice Of Dispute To : DeptedNelnet, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am in receipt of a computer- generated letter from your company dated XX/XX/2023, unsigned, unvalidated statements alleging some kind of debt. 

It is my policy to pay all legitimate debts, but to also not be defrauded by clever schemes. 

Your claims are conditionally accepted provided you furnish me with a claim verified under penalty of purjury. 

Who are you? Do I have a contract with you?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation.

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 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.

Complaint:
Company reporting violations to my credit report. Please see the violations below. 

Account Name : XXXX XXXX. Account Number XXXX Violation Reported : date of last payments reports XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, are all reporting different date of late payments. 

Violation Reported : reporting past due of XXXX, and payment status reports collection/ charge-off. No pass due balance should be reporting. 

Violation Reported : two-year payment history reporting nothing for XXXX, Experian reports as CO, and XXXX  reports as current/ Ok. These accounts are reporting under the closed account section, and not reporting under the collections accounts section and yet these are charged-off/ collections accounts.

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 2022-12-05
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: EQUIFAX, INC.

Complaint:
Hi I have tried to reach out to all bureaus again and got a response on XXXX from only XXXX and nothing has changed and after pulling my report again I still see no change. 


In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX TXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
Bank of America ( BOA ) is not depositing a check from XXXX, my home insurance company. 

XX/XX/XXXX - Deposited check via mobile deposit. 
XX/XX/XXXX - Check deposited into the account XX/XX/XXXX - Deposit reversed. Called BOA representative. Said, " The payee endorsement was not done properly. '' Asked for clarification since the check clearly had a signature. BOA representative said they had no additional information and recommended the check be deposited in person. 
XX/XX/XXXX - Deposited check via Bank of American Teller. Teller said the check Might be in our account on XX/XX/XXXX ( AKA 7 Business Days ). The reason given was that since the check had already been rejected via the mobile app, there could be a long hold. Also advised to keep an eye on my email because any updates would be sent via email. 

NOTE : I can not provide a copy of the check because BOA took it on XX/XX/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 2018-03-20
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CNG FINANCIAL CORPORATION

Complaint:
I received phone calls from XXXX XXXX, threatening legal action for a past due bill. I was intimidated, so provided my fiancs debit card number because we share a bank account. She called XXXX XXXX, and felt that he was scamming us, so she cancelled her debit card. She asked XXXX XXXX to send a bill, and he sent it in an email. The cover page of the email had a company logo for XXXX XXXX XXXX. Inside the email, it stated it was from XXXX XXXX XXXX XXXX, XXXX. The current creditor was listed as XXXX XXXX XXXX, XXXX. My fianc and myself have received numerous harassing phone calls from XXXX XXXX. He has shouted at her, called her a low life. He calls my family members and tells them theres a case against me for fraud. We both have been threatened with legal action for providing a false instrument.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
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: EQUIFAX, INC.

Complaint:
XXXX has failed to comply with the Gramm Leech Biley Act 15 USC 6802. They never gave me the ability to opt out and used my information without my permission, which is identity theft. 

There was also no Permissible purpose for this Account # XXXX to be listed on my credit report. Both permissible purpose law ( 15usc1681b ( A ) ( 2 ) and the GLBA have been violated and it is identity theft. 

According to 18 USC 1028 ( a ) ( 7 ), it defines identity theft which is just someone possessing, transferring or using a means of identification of another person unlawfully. This is what took place. 

XXXX, Equifax, XXXX and XXXX " regularly engage in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 

These companies have all violated either of the two which both constitute identify theft. 

I have contacted the Attorney General 's Office, XXXX, FTC and the CFPB numerous times and nothing has been done about the violation of my consumer rights. 

I demand Account # XXXX be removed from my credit report and file or I will be seeking statutory damages since you willfully violated the obligations under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
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: EQUIFAX, INC.

Complaint:
My name 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NEW CITY FUNDING CORP.

Complaint:
In XXXX of 2016 I purchased a car from XXXX In XXXX NY about 8-9 months after I purchased the Vehicle I traded it in and the amount owed from the loan from New City Funding was added to the new loan from dealership. New city funding is stating that this vehicle was a voluntary repo and has this loan on my credit report as delinquent and I have reached out to New City Funding for them to show proof of voluntary repo which I still have not got they stated during a call that the dealer had called and said I gave the car in as a voluntary repo when I spoke with the dealership they stated that is incorrect. When I requested a copy of the certified letter New City Funding is required to send when a vehicle is repoed with the amount that was owed with proof of what the vehicle was sold for after the alleged voluntary repo and I have yet to receive anything from them and it has been well over 2 years. I have also filed a complaint with the XXXX and New City Funding has not responded to that report either. Also New City Funding stated on my credit report that the starting amount owed for the vehicle was {$6000.00} and that there was 8 payments made in the amount of {$250.00} which would be a total of {$2000.00} which would bring the balance down to {$4000.00} and they stated when they got the vehicle they sold the vehicle at the auction and I now have a balance of {$3900.00} on my credit report. Which if this vehicle was a voluntary repo there would have to be papers I signed to turn the car over to them as well proof of service for the certified letter to be sent which they do not have because I did not voluntarily give the vehicle it was a trade in and I was never served or received a certified letter from new city funding and I have attempted to get documentation from them for over 2 years and still no documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
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: LEXISNEXIS

Complaint:
XX/XX/21 I sent a letter to lexis nexis certified mail # XXXX regarding verification and deletion of bankruptcy and inaccurate info. Lexis Nexis has reported a bankruptcy to a third party company ( consumer agency ) without my consent and is in violation of my privacy. Attached in the letter to this complaint I requested answers to a few questions and never received any response. Its been more than 30 days .... -Proof that you did not violate 15 usc 1681 ( a ) ( e ) -That this bankruptcy is verified, and since the courts did not verify, congress states that you would have to conduct an investigation with neighbors, friends or associates which I know was not done neither. -That you had consent/persmission from me to report such information with signature or written instruction 15 usc 168b ( a ) ( 2 ) -That you did not infringe upon my consumer right to privacy which is a form of identity theft 15 usc 1681 ( a ) ( 4 )

Company response to consumer: Closed with explanation