hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current

Complaint:
Hello, I banked with Current. The account is still open and I have attempted to work with them for months now. I disputed a charge that occurred on XX/XX/XXXX for an amount of XXXX. The charge is under XXXX however no other merchant information is available nor can I locate anything about this mysterious charge. So I submitted the dispute to current with my XXXX pay history as the card used was the virtual card they offer which only works with XXXX pay and there was no charge on or around XX/XX/XXXX in the amount of XXXX in my XXXX pay history. On XX/XX/XXXX the only XXXX places I went were XXXX and the tattoo parlor XXXX XXXX. At XXXX I used my innovations debit card to pay for food and at XXXX XXXX, I provided cash for the tattoo and provided a tip of XXXX with the Current debit card. After I submitted the dispute with the evidence they denied the claim saying the phone number matched and that it was a fuel dispenser. I asked for a full report which I have yet to receive it and I also asked them to please advise which fuel dispenser was used so I can go and request surveillance footage which I have still not got a response from Current on which fuel dispenser it was or the business name attached to the fuel dispenser. I submitted a XXXX  dispute which has the same screenshots both from my phone directly and using the my phone app on the pc. This has been an ongoing issue now for 2 months and based on the XXXX  sight a lot of complaints are the same. I feel there has been no real work has been done and they are just denying claims to deny them even though they do not provide any evidence that the charge is legit. I have provided substantial evidence and am dumbfounded that they are prolonging this to the point where legal action could be taken against them for these shennanigans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
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: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
On XX/XX/XXXX I contacted Capital One regarding my Lord and Taylor account and wrote letter to let them know there was an issue with my account. I explained to them I did not receive a statement or phone call to pay the bill of approx. {$30.00}. I asked how can I pay a bill that I never received and asked them to remove the 30 day late from my file. They reported {$95.00} being the balance and that was also incorrect. The late fees was waived. 
On XX/XX/XXXX I received letter from Capital One and they said based on the information I gave them, they are unable to change their reporting on a courtesy basis. They also included the Fair Credit Reporting Act requires Capital One to report the account history accurately. 
On XX/XX/XXXX, I wrote back to them that it was not a courtesy. I did not receive the statement so how can I pay if I didn't receive the statement. The payment was immediately paid once I received notice from XXXX XXXX my account was late. I paid when it was known to me. If I was not properly notified about a payment, this 30 day late should be removed and not held against me. 
On XX/XX/XXXX, I received the same standard letter they gave me on XX/XX/XXXX. Only thing that was changed was the date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
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: EQUIFAX, INC.

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission. 

XXXX  XXXX XXXX  Date Filed/Reported : XX/XX/2017 Reference # : XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/2017 Reference # : XXXX XXXX XXXX XXXX Date Filed/Reported XXXX XX/XX/2017 Reference # : XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA

Complaint:
My Fed Loan Servicing as consistently mishandled my student loans since taking over my student loan process. In the last year I have had the following issues with the service provider. I believe that this service provider lacks accountability and oversight. The representatives do not take ownership for the lack of follow through and do not know the student loan process well. 

1. ( Current Issue ) I submitted a REPAYE request online and selected a one month forbearance during the time that my loan is being processed. I am currently making payments towards the Public Service Forgiveness program and will like to make continuous payments in order to avoid extending my payment length further. It has been over a month and my application has not been processed. I have made my {$5.00} payment and have received notice that my next month 's bill will be over {$1100.00} which I can not afford because the service provider has not processed my loan. 
2. For almost a year the # of qualifying payments for my Direct Sub/UnSub Loans have had different amounts of qualifying payments for public service forgiveness. I asked the servicer to reconcile these numbers because the loans were consolidated at the same time. The request had to be submitted multiple times. Finally the # was reconciled and it was reconciled to the lowest # of payments. Also, the servicer sent me another person 's loan information in the process which disclosed their personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-20
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 and Transunion are reporting incorrectly a past due amount on the XXXX partial account number XXXXXXXX. ( Please see page 4 of the attached credit report. ) This vehicle was involved in a car accident and totaled. The insurance company paid all of the balance with the exception of a small portion remaining which will be paid on Friday, XX/XX/2019. Please remove this line item from my credit report.

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 2019-07-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: STERLING JEWELERS, INC.

Complaint:
I was contacted by a company called XXXX XXXX XXXX. I was told that there was a court case against me for larceny of property for a XXXX XXXX credit card account that has been closed since XXXX. I was told I needed to send {$500.00} by XXXX on XX/XX/XXXX or there would be a warrant placed for my arrest. I had not received any communication by mail prior to this phone call nor did I receive any other phone calls prior except for a phone call that was placed to me on XX/XX/XXXX which I thought was fraudulent. I also received a call coming from my county courthouse and was told I would need to contact this creditor or I could have a felony charge on my background.

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 2023-06-20
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.

Complaint:
To Whom It May Concern, Ally Mortgage has repeatedly made errors and failed to correct said errors associated with mortgage account ending in XXXX. Please see attached timeline to this complaint, as well as corresponding Ally Payment History and proof of erroneous credit reporting. To summarize the issue, my husband and I 's mortgage account was transferred to Ally from XXXX XXXX XXXX in XXXX of 2022. We made repeated calls to Ally regarding payment and set up of our account. However, due to lack of account set up, no payments were made in XX/XX/2022 to this account. 

Despite these issues created by Ally, we set up our account through our own diligence and repeated contacts, so we could pay XXXX, XXXX, and XXXX payments. We were then notified that we still had an outstanding XXXX payment. My husband made arrangements and agreements via a phone call with Ally in XX/XX/2022 to pay an additional amount each month for the course of 5 months to catch up the mortgage. Ally agreed in return to not report the XXXX payment. 

Despite this, Ally reported the late payment, but even incorrectly reported the late payment. Specifically, per our credit report, Ally stated the missed payment was for XX/XX/2022. ( See attached Credit Report ). This was done in error as the mortgage payments clearly show that a larger payment of {$5800.00} was made that month. ( See Ally XXXX XXXX attached hereto ). The only assumption I can make is that Ally CHOSE to first not honor their agreement from XX/XX/2022 and second reported a XX/XX/2022 rather than a XX/XX/2022 " late '' payment due to RESPA guidelines. Since the XX/XX/2022 payment would have been within the 60 day window disallowing mortgage companies to report that to the credit bureau, they chose to report the INCORRECT date. 

My husband and I have now made repeated attempts to have Ally correct this via the dispute and appeals internal process, so this can 30 day late payment can be removed from our credit report. Ally continues to deny this request despite their own errors and evidence of the same. 

Thank you for your time and assistance with this matter.

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: 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: Aqua Finance, Inc.

Complaint:
Duties upon notice of dispute from a consumer reporting agency Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) This section requires that whenever a person, such as a financial institution, receives a notice of dispute from a consumer reporting agency regarding the accuracy or completeness of any information the person provided to a consumer reporting agency pursuant to Section 611 ( Procedure in Case of Disputed Accuracy ), that person must, pursuant to Section 623 ( b ) : 1. conduct an investigation regarding the disputed information ; 2. review all relevant information the consumer reporting agency provided along with the notice ; 3. report the results of the investigation to the consumer reporting agency ; 4. if the investigation finds the information is incomplete or inaccurate, report those results to all nationwide consumer reporting agencies to which the financial institution previously provided the information ; and 5. if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do one of the following : a. modify the item of information. b. delete the item of information. c. permanently block the reporting of that item of information. 

XXXX XXXX XXXX is reporting inaccurate information on my XXXX credit report. I have requested numerous investigations into this matter, one as recently as XX/XX/2023. I have not received any communication regarding this matter which is a violation of the law mentioned above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX for {$790.00}, XXXX # XXXX XXXX XXXXXXXX for {$1200.00}, XXXX # XXXX, XXXX has violated my rights. 15 U.S.C 1681 section A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 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 2023-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
So for XXXX and XXXX I never received a bill come to find out my address was changed on my account and I never changed it. Even after informing them I found out my account had been closed and I have late fees as well as negative credit reporting because Bank of America allowed my address to be changed and it wasnt done by me

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 2022-10-02
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:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-09-01
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 your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, CA XXXX NOT PROVIDED XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX RESIDENT VERIFY XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Reference # XXXX Date Filed/Reported : 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 2023-07-21
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'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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-21
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: AMERICAN EXPRESS COMPANY

Complaint:
XXXX CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX  XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX CREDIT REPORT IS : XXXX. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD  RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account NamesAMERICAN EXPRESS AMEX Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off/Never late. {$2400.00} written off. {$2100.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$2400.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ XXXX Monthly Payment {$0.00} Credit Limit - Highest Balance {$5700.00} Terms NA On Record UntilXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: RGS Financial, Inc.

Complaint:
Called by RGS Financial for my wife. Unsure how they got my number. Asked for my wife. I stated she was n't at the number called. They asked if they knew how they could reach her. I told them to give me a phone number where she could call them back. They refused and said they would try to find her by another means and hung up abruptly.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
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:
Transunion failed to positively verify the account, and has hurt my ability to obtain credit. XXXX XXXX XXXX  XXXX XXXX was never paid late. Under the FCRA, unverifiable accounts must be removed..CFPB remove the accounts listed

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 2021-10-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.

Complaint:
I HAVE ONE CITIBANK ACCOUNT CHARGE OFF WITH {$10.00}, I NEVER HAVE BEFORE CITIBANK CARD. 

I HAVE XXXX XXXX  XXXX XXXX ACCOUNT CHARGE OFF WITH {$1.00}, I HAVE ONLY ONE  CARD IN XXXX XXXX XXXX. I TRY WITH THE BANK DIRECTLY, AND THEY AGREE WITH THIS ACCOUNT IS NOT MINE, BUT I SEE IN MY 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 explanation
Consumer complaint received 2021-09-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC

Complaint:
Received a letter from a Collection Agency " Transworld Systems , Inc. '' on XX/XX/21. It stated an account was placed with them for collection from XXXX XXXX for {$2300.00}. 

I contacted XXXX XXXX ( located in XXXX XXXX, CA ) and was informed they did not have an account or name associated with their Fire Department regarding this issue. I was also told that XXXX XXXX does not use Transworld Systems , Inc. for debt collection. Person I talked with stated this was most likely a scam.

Contact name, address and telephone number for Transworld Systems, Inc : XXXX XXXX, License # XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX, WA XXXX XXXX I called above phone number and was transferred to a recording. 

With that being said, please note we have never been to XXXX XXXX, CA

Company response to consumer: Closed with explanation