hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX I contacted all three credit bureaus XXXX, Transunion and XXXX about a previous dispute of an account on my credit report for all three bureaus. This charged off account with XXXX XXXX XXXX XXXX account number XXXX currently has a balance of {$850.00} on my Transunion and XXXX report. On my XXXX report is has a balance of {$1500.00}. In XXXX of XXXX This same account had the balance of {$1500.00} in all three credit bureaus. This charged off account balance has change several times from {$850.00} to {$1500.00} without any evidence or reason why. I have ask the credit bureaus to conduct their own investigation into the matters and send me physical evidence of this account belonging to me and verified the amount is correct. They all have failed to do jus that and each month when this account goes up {$1500.00} it brings my score down even more. When I dispute this account, the only thing that happens is they lower balance down to {$850.00} and the cycle starts again. No one is actually doing a proper investigation and just changing the amount without supplying me with the proper proof that this account is accurate and belongs to me. Please assist me in these matters I want to finally build a decent credit score.

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 2017-05-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation

Complaint:
This collection agency was asked to remove this collection from my credit report after being paid in full and has stated that they could not remove this item. That was an un-true statement. Other collection agencies have removed the collections from my report after being asked to when paid in full. This collection agency is being difficult for some reason. I am no longer liable for this utility account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Specialized collection systems, inc.

Complaint:
This is a medical debt, starting XX/XX/XXXX this debt will have to be removed as it is below the {$500.00} threshold. I am hoping you will request that they remove now since we are so close to the XXXX of the year

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.

Complaint:
I called the company with intentions on paying the debt thats on my current credit report which was {$340.00} and the company and I came to an agreement I stated that the damage was done would I be able to get a pay to delete being that if the debt is paid it will still reflect on my credit negative and the lady on the phone stated And if you dont pay this debt right now were going to keep on reporting negative and destroy your credit I felt intimidated and as if I was forced to pay the debt so I instantly hung up because I felt as if that was not professional at all

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.

Complaint:
MEDICAL DATA SYSTEMS Last reported XX/XX/2022 {$340.00} Open balance XXXX XXXX Original creditor I have submitted disputes via certified mail requesting validation of the debt on XXXX separate occasions. Attempted calling personally to dispute but was refused to do so as I wouldn't provide them with my personal information ( which I assume they would have if debt was valid ).

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 2016-06-21
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: DISCOVER BANK

Complaint:
Repeated calls to my work XXXX XXXX XXXX I told them not to call but they do anyways

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
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: EQUIFAX, INC.

Complaint:
In accordance with the Fair Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602 I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor can not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. 

( XXXX XXXX Acct # XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
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:
XXXX XXXX is the servicer of my mortgage. Some late fees have accumulated on the account but all p & interest payments have been made. XXXX is reporting the account as late or past due for LATE CHARGES.

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 2021-02-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp.

Complaint:
I was a victim of identity theft and I advised the company of this and sent a copy of my federal trade commission identity theft report and FTC Notice to Furnisher on XX/XX/2020 via email and fax. The company has not responded and continues to report this inaccurate information and refuses to delete it or accurately report it as identity theft and fails to report the correct dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION

Complaint:
I filed a complaint on XX/XX/XXXX against Santander Bank ID # XXXX, regarding XXXX 's XXXX XXXX. Santander Bank told another person named XXXX XXXX that the account belonged to her. 

XXXX 'XXXX  XXXX XXXX established a business checking account XX/XX/XXXX under XXXX XXXX with two signers on the account ; XXXX XXXX and XXXX XXXX. A branch of Santander Bank took it upon themselves to add a different XXXX XXXX to the account. Attached is a letter from Santander Bank admitting there error. I would like Santander Bank charged with violating the Banking Privacy Act.

By Santander Bank giving this information to another person without verifying with the account owners is a violation against Banking Privacy Act and because of this we need to establish a new  account. In order to establish a new account we must file a " Certificate of Organization for a LLC '' which will cost us {$120.00}, which I would like them to refund to XXXX 'XXXX  XXXX. Because if they had not caused this error we would not be in this situation. 

I have attached the letters and email from the first complaint along with the letter received from Santander Bank admitting to error. 


Sincerely 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 2020-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.

Complaint:
I recently reviewed my Equifax report to see that I have suffered a 220 point decrease in score because the following accounts have been removed from my credit report due to missing addresses and incorrect information being listed on the account. 

MAJR FINANCIAL CORPORATION - Revolving Account XXXX/LOCAL GOVERNMENT - Revolving Account XXXX  - Revolving Account XXXX  - Installment Loan The following addresses are listed on my report but DO NOT have any personal linkage to my credit history and any of the missing accounts as listed above, these addresses should be removed promptly. 


XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX The ONLY two addresses that are tied to my hard work and diligence of on-time payment history and excellent reporting of positive credit behaviors which are indeed tied to the credit accounts listed above are : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX This radical change is due to a recent discovery and result of report inaccuracies on my behalf which I have effectively disputed through the proper channels directly with each bureau for accuracy, but nothing has been done on my behalf to remedy this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific inquiries in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries immediately. 

XXXXXXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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

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 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXXXXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details XXXX  % paid off Balance {$46000.00} Balance updated XXXX XXXX, XXXX Original balance {$45000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type XXXX XXXX Loan Payment summary XXXX XXXX XXXX XXXXXXXX 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 PAYMENT HISTORY LEGEND Status Account charged off. {$45000.00} written off. {$46000.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Past due amount {$46000.00} Original balance {$45000.00} Monthly payment - Last payment date XXXX XXXX, XXXX Additional info Responsibility Individual Terms 258 Months Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX  {$450.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX : {$0.00} 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 2023-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.

Complaint:
PERSONAL ACCT FRAUD COMPLAINT I was a victim of unauthorized wire fraud. The fraud on my personal account was the second of XXXX wire transfers initiated on XX/XX/22. The first was made from my Chase Business account. This one made from my personal checking account, since it was after XXXX, could not be completed until the following day. The criminal convinced me not to sign into my accounts after we got off the phone while the " Federal Reserve XXXX '' monitored my account for the next XXXX hours with the hope that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in again and they could collect his IP address. This was a criminal offense, he explained, and they would bring criminal charges if they could catch him. At the end of the call, he told me he would call me back in the morning to follow up and to wait for his call. In my non-critical state of mind due to illnessI had been sleeping all day and was awakened by the call at XXXX believed the criminal was trying to help me. I went back to sleep after the call until the next morning. 

DETAILS OF CALL The criminal, posing as a Chase representative by the name XXXX, convinced me he was legitimate because the number he was calling from matched the number on my Chase Business Debit card, XXXX. He had a lot of knowledge about my personal and business accounts. At no time before, during, or after this encounter did I ever share any account numbers, social security numbers, addresses, or phone numbers with him or anyone. He explained with some urgency that he needed to help me reverse several fraudulent wire transfers that were currently in progress by XXXX XXXX of XXXX XXXXXXXX XXXX. Amounts he initially mentioned : {$7200.00}, {$5000.00}, {$1800.00}, aligned with the amounts in the XXXX accounts he was referring to, respectively my personal checking, my business checking, and my business savings accounts. At every curious point, he satisfied my doubts and questions and stepped me through, screen by screen, what he explained was the reversal of these in-progress wire transfers. 

It dawned on me too latethe following afternoonthat he had duped me into unwittingly participating in the actual XXXX wire transfers that would deplete my personal and business accounts. I am shocked and mortified that I was tricked by this criminal. He reached me at just the right moment, having just awakened at XXXX having slept all day due to illness. I have appealed to JP Morgan Chase Bank, a company Ive been a customer with for decades, to do everything in its power to recall the transfers made to XXXX XXXX XXXX XXXX account. But my bank seems to have a loophole in protecting me since I unwittingly became a participant in this fraud. 

I am a single, middle income XXXX, and this criminal depleted my accounts of all my liquid funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
I have a loan with BANK OF AMERICA. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and BANK OF AMERICA with no successful resolution. There was definitely an error on their part.

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