hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-09-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ostarch Hilmy & McCauley, PLLC

Complaint:
I am in receipt of a fraudulent notice of default with a demand for the payment of past due monies from a debt collector named XXXX XXXX XXXX, threatening to place a lien on my homestead. Debt collectors can not make false or misleading statements. For example, they can not lie about the debt they are collecting. XXXX is misrepresenting the nature of the debt he claims I owe. Furthermore, XXXX claims to represent an association as his client. This association does not exist in the State of Texas nor the remaining States and Territories of the XXXX, whether in any various form of incorporation or even a recorded fictitious business name. 
Again, the entity he is demanding payment for from me which, self-servingly, includes his very own legal fees, does not exist. XXXX debt collection practices are seemingly those a reasonable person would perceive as fake, abusive, and contrived by a scammer Additionally, with blatant and complete disregard to The Fair Debt Collection Practices Act ( FDCPA ) a federal law that instructs debt collectors in what they MUST do when attempting to collect certain types of debt, he knowingly and purposely omitted the most important item that he is legally required to furnish me the amount owed. Not only did XXXX purposely disregard the law regarding this, he also failed to provide the amount, in writing, within five days after his initial contact in a validation letter as mandated by the FDCPA. The only alternative to this willful omission would be the public display of his utter and complete incompetence. Competent debt collectors and attorneys are familiar with the basic, minimalistic rules of the FDCPA which they must abide by, including the validation of a debt. Once that takes place, as required by law, the clock starts ticking and the proposed debtor would have 30 days to respond in agreement or disagreement from the date of validation. Instead, XXXX has chosen to ignore the law and demand payment in full for an undisclosed, phantom amount of money within twenty-one days ( 21 ) and threats to foreclose on my homestead if I do not pay an unspecified amount that is unsubstantiated by the required documentation as per FDCPA. XXXX demonstrates his attorney misconduct via his false and misleading statements, his failure to disclose any relevant facts, his hiding of evidence ( if any ), and his indolence to law. He is threatening to take my homestead without justification for a debt I do not owe. The very sad truth of this matter is that XXXX is perpetrating an illicit debt collection scam for his personal financial gain. He should be disciplined for misconduct with haste. His actions are an insult to your profession. XXXX XXXX XXXX is sloppy

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I checked my personal credit report, which I acquired from the three bureaus on XX/XX/XXXX and I noticed multiple unauthorized credit inquiries had been made. 
I contacted all parties involved, who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. 
I request that you investigate the following companies who made an inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 

XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX, Inquiry date : XXXX XXXX, XXXX, XXXX XXXX, Inquiry date : XXXX XXXX, XXXX XXXX XXXX Inquiry date : XX/XX/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 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: New Mexico Educational Assistance Foundation

Complaint:
This is in response to New Mexico Educational Assistance Foundation and the inaccurate reporting of information on my personal credit reports. This information is being reported as a new negative and has re-aged the account. When looking through the report you can clearly see the errors being reported by NMEAF. 
Upon asking NMEAF to correct some payment status information on my XXXX report they reported that a claim was filed with Government in XX/XX/XXXX and XX/XX/XXXX. This is why the accounts have had the timeline re-aged. The account should fall off from first date of delinquency that lead to the default which would have XX/XX/XXXX has the removal date or age off date. The date claim was filed with government was several years ago and in that fact alone they are reporting inaccurate information. I have filed disputes to update this information with the credit agencies to no avail. I have also been in contact with the Creditor NMEAF and have provided the information needed to fix the errors. 
They have responded that the information is accurate. So despite providing all this information they choose to ignore the errors being reported. If these errors can be fixed than they need to remove the account completely from the reporting agencies as this is hurting my credit report and is causing emotional distress. 

They have failed to resolve the issue so I ask that the Consumer Financial Protection Bureau step in and resolve this matter as this has gone on long enough with disregard to FCRA 15 U.S.C. 1681. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14
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 — Their investigation did not fix an error on your report
Company: DISCOVER BANK

Complaint:
I have proof from social security admin saying I had a rep payee from XX/XX/XXXX to XX/XX/XXXX and there are a lot of neg accounts on my credit report that were never paid by these payees and unapproved hard inquiries on my credit reports and I feel these payees trying to get credit in my name and XXXX   XXXX and XXXX won't take proof from SSA saying I need to file a police report on paying not paying bills and the police department says its a civil matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.

Complaint:
I'm trying to link my account with XXXX which is a savings/budget app on my phone and its saying it can't link and that's there's a connection issue. PNC isn't even listed as an option to choose from.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENOVA INTERNATIONAL, INC.

Complaint:
On XX/XX/2020 there was an unverify entry on my credit report. I have previously sent letters by mail to verify the validity bof this information on my credit reports. 
I tried to settle this account even without verification but company refuses to remove unverified account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC

Complaint:
XXXX XXXX XXXX , XXXX contacted me by phone on XX/XX/2018 regarding and outstanding lease balance in the amount of {$2200.00}. My wife and I have NEVER leased anything in our lives. 
They gave an email address that is on the bill that is not ours. 
They would not give any information on when the account was opened or for what services.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.

Complaint:
I have addresses on my credit report that are not mines and information that is not accurate. My name is XXXX XXXX XXXX, My current and only address should be XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 
please remove and delete any other address they are not mine. 
Address Date Reported are incorrect please delete XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, NC 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 2022-07-23
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:
Again, I was a victim of identity theft and this is another request to block the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the reciept. Ive already included this report in my previous complaint # XXXX and XXXX & I am including it again. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. Please delete the following items from my file : 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 XXXXXXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance XXXX XXXX {$3400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$430.00} ; XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date 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 non-monetary relief
Consumer complaint received 2019-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MB FINANCIAL, INC.

Complaint:
Unauthorized withdrawals of over {$30000.00}. XXXX XXXX XXXX was notified, but nothing was done to resolve issue from XX/XX/XXXX to XX/XX/XXXX. A XXXX County Sheriff 's, XXXX, IL, report was filed, XX/XX/XXXX. It was determined that I was a victim of Identity Theft after a second Bank Account, MB Financial was also breached and over {$30000.00} of unauthorized withdrawals happened again in XXXX. Another XXXX County Sheriff 's Report was filed XX/XX/XXXX, and XXXX XXXX, XXXX County Sheriff Investigator is currently investigating along with XXXX County Sheriff as of XX/XX/XXXX. 
XXXX XXXX XXXX, XXXX, IL was notified repeatedly and instead of correcting the situation, they asked that I not come back to the bank. So after Depositing approximately {$61000.00} in XX/XX/XXXX after selling my condo, Mb Financial closed my bank account in XX/XX/XXXX and handed me {$660.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I have sent numerous letters, they don't seem to even do anything with them. Their response is that they could not verify it was me, even though my license and social security was attached to each letter. Could not verify do to the wrong information on my credit report. They could of just fixed it with my license and social, you would think. 

Very frustrating to know that people can just do what they want with your credit information. One of my reports says I have 118 % credit utilization. I have no credit cards, no mortgage, I do not have a car payment. But somehow I have used 118 % of my 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 non-monetary relief
Consumer complaint received 2019-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
On XXXX XXXX, 2019, I was contacted by a representative of capital one advising me that they were closing my account due to the recent check deposit on XXXX XXXX was not honored. I contacted them last Monday that I needed it to say open to receive my SOC security. I was told the account would stay open. Since my deposit of {$770.00} has gone into the account, the funds are being held unlawfully, and need to be released immediately. I have XXXX XXXX and XXXX, XXXX XXXX and I need to move into an apartment RIGHT AWAY! I have bills - phone, storage, pets, children, and need my money am entitled to right now! I contacted them 3x Friday, and could not speak with anyone as they told me it was with the fraud security. In a recording it says 24 to 48 hours wait time, and still, as of now, havent been contacted by them! Thank you kindly for your patience & assistance in this matter! 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint:
My credit reports with XXXX, equifax and XXXX show incorrect credit utilization from all of my XXXX XXXX credit cards. 

1.XXXX XXXX credit card XXXX XXXX XXXX ) account ending in XXXX credit limit {$2500.00}. I have a balance of {$420.00} with available credit of {$2000.00}. 

2.XXXX XXXX credit card ( XXXXXXXX XXXX ) account ending in XXXX credit limit {$3300.00}. I have a balance of {$500.00} with available credit of {$2800.00}. 

3.XXXX XXXX credit card XXXX XXXX XXXX ) account ending in XXXX credit limit {$3100.00}. I have a balance of {$650.00} with available credit of {$2500.00}. 

Please have these errors corrected as soon as possible based on the Fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.

Complaint:
XXXX XXXX XXXX HAS BOUGHT A DEBT THAT HAS BEEN PAID FROM VICTORIA SECRET AND NOW HAS SOLD THE DEBT TO ANOTHER COLLECTIONS AGENCY! Victoria secret, XXXX XXXX XXXX AND XXXX XXXX XXXX HAS BEEN CALLING, SENDING LETTERS, and reporting to agencys on my XXXX file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch

Complaint:
On XX/XX/2022 I filed a complaint with the XXXX  regarding Stillman Law Offices attempting to sue me over an invalid debt. In the complaint, I demanded a cease and desist and also noted any further communication would result in myself filing complaints to the CFPB and the MI Attorney Gener. Stillman Law offices has now filed suit against me and I am moving forward with my actions. In addition to this complaint, I am making another case with the MI Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
XXXX XXXX # XXXX is reporting an account to my credit that I have never had. I have no idea what this is for, it is not mine and I have never had an XXXX XXXX collection nor have I had XXXX XXXX which is the original creditor. This is not mine and should not be reporting to my credit and needs to be taken off.

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 2023-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY

Complaint:
I opened a SERVE checking account and was only making deposits into this account for things I needed in the future. I requested the Bank to pay a bill by depositing money from my account into another account XXXX. I Provided my account number for the XXXX deposit and I waited to see the money be transferred into my account. It was on the XX/XX/2023. After attempting to call this Bank customer service I found that the only way to get in touch with a live agent was to go through the list or stolen card prompt ; I did talk to many many agents who just shuffled me from one person to another. I finally called XXXX to see what could be done after SERVE insisted that I call them to get a resolve but they could not do anything but advised me to keep checking my account. Finally a check arrived to my mailbox addressed to XXXX, with the XXXX account number on the check. I called XXXX back after I could not deposit the check via mobile app without direct deposit but they advised me to take the check to XXXX, XXXX or XXXX which are stores that can handle a deposit of funds into my account. After visit XXXX and other stores they inform me that they could not deposit the check because it was not in my name but made out to XXXX. I even tried to deposit the check into my personal major Bank account but again was told that the check had to be playable to me, in my name to be able to cashed or deposited into my account. After this I began to be Leary and called SERVE Bank on several occasions and tried to explain my situation asking that they cancel the current check and replaced the money back into my account. After countless of unexplained dropped calls the customer service representative just hang the phone up in my face and now it seems as if my phone number is recognized and it is not even being answered now. I have vowed to get my money out of this bank and close the account but I need help with this problem. I am not able to get a resolution or response to the right person to fix this wrong and it it just not right to withhold my money like this. I am seeking your help with this situation and I thank you in advance for your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-13
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Designed Receivable Solutions, Inc.

Complaint:
The company Designed Receivable Solutions , Inc. has illegally and falsely reported a medical debt collection twice, i.e. in duplicate on my credit report thereby harming my credit score under unfair practices and has never sent me a debt validation letter. 
They have used the same debt but used ddifferent reporting accoiunts to the same credit rating agency thereby duplicating it and making it appear as twice and impacying my credit score. They have resorted to unfair and illegal practice by harming me and that too illegally reporting it in duplicate for which I have the screen shot. 
Please help me. This is fraudelent practice.This company is known to indulge in the same and has many lawsuits for the same.

Company response to consumer: Closed with explanation