hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-08-24
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 XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to report Perfect Payment History never late and also remove all remarks from account that includes repossession/ redeemed. 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 hand 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 2021-10-07
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: JPMORGAN CHASE & CO.

Complaint:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION

Complaint:
I paid for an XXXX  XXXX with my Navy Federal Credit Union Debit card and the say was not what I paid for, the room was dirty upon receipt, the pictures did not match what was received, the host was unresponsive I explained this to navy federal credit union, and they refused the dispute. This is unfair and I want my money back i Paid for a product service I did not get at all from XXXX XXXX XXXX XXXX this dispute was done with navy federal cu and they gave an initial credit and then they took it back stating i did not send in proof of my claim and I did pictures of how dirty and filthy the room was and how the host just quit responding i did dispute with XXXX XXXX XXXX was told I may not have a refund because the sorry host refused it? how? I paid for something i did not get and while we did stay the one night it was the only option as my money was already spent on this place for the night attached is my receipt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I'm furious with this company Capital One. I have been with Capital One for over XXXX XXXX. The way I was treated unethical and considered XXXX. I demand a resolution after XXXX XXXX  with this company. I have never been delinquent on my accounts and to be treated this unfairly as a customer, is very unethical on their part. 

I was traveling from the XXXX of XXXX to XX/XX/XXXX of XXXX. I have business accounts and personal accounts with Capital One. Today I checked my accounts and I noticed all XXXX of my accounts are closed! I called Customer Service to see what has happened and they stated fraud. They transferred me to fraud department and they stated it was because of a return payment of {$400.00} for my personal credit card. This personal credit card I was using while I was traveling as I depend on this XXXX card for my travel needs. Yes a returned payment occured I was traveling and my accounts were in process of transferring money, but to close all of my accounts even my business accounts for this returned payment is XXXX! I just arrived back and I can pay a measly {$400.00}. I did not even pay late I added funds to my credit card to use it. Why would they close my account over a returned payment. Or all my other accounts that have nothing to do with this?! I found this as an unethical excuse to close my accounts due to discrimination and credit being used. I am seeking resolution through CFPB before resulting in further action. The closing of my accounts all 4 also affects my credit as I had high credit balances and now thus this company decides to wipe it for no apparent reason without communicating with their client especially when one is traveling. Very unethical!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
TransUnion dropped my FICO score over 55 points for NO reason No late payment no increase in credit All other bureaus went up! 
Can log into my tu account Cant get a customer service to answer

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 2018-08-04
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 contacted the bureau and creditors many times about how and why this information is on my credit report I have not business with any of these accounts. Im XXXX from XXXX XXXX. I ca n't drive and I don't apply for loans I'm on a fixed income here. please help remove this information from my credit please.They don't listen to me ever. XXXX bless XXXX XXXX XXXX Status Closed Balance {$1600.00} Type Collection Payment Status Late XXXX   XXXX XXXX Status Closed Balance {$1700.00} Type Collection Payment Status Late Do you see errors in your report? SEE OUR DISPUTE GUIDE XXXX XXXX XXXX Status Closed Balance {$0.00} Type Installment Loan Payment Status Paid XXXX XXXX XXXX Status Closed Balance {$4000.00} Type Installment Loan Payment Status Late XXXX XXXX XXXX CO XXXX Status Closed Balance {$16000.00} Type Installment Loan Payment Status Late XXXX XXXX XXXX XXXX Status Closed Balance {$7100.00} Type Installment Loan Payment Status Late XXXX XXXX XXXX XXXX Status Closed Balance {$0.00} Type Installment Loan Payment Status Paid

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 2022-07-15
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:
It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the items that needs to be removed in my file : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.

Complaint:
On the XXXX th of XX/XX/2023 I called customer service at Best Buy Citi bank to get my balance of 2 transactions I made so I could pay them off before moving to XXXX  knowing that there was not a Best Buy where we are moving too and I like to pay my bills in person and in cash They gave me the amount my husband gave me the amount they told me I got in the car drove to the nearest bust buy near me that Ive made payments before but not often being that i dont charge that often before that 2 transactions I had not charged on this card before XXXX and these charges were made in XXXX got into the store started to take my cash out of my bag I brought it into and the cashier started helping put them by hundreds after getting the amount I needed to pay for the 2 transactions made she counted it once after she counted it she called another of her team mates over at the store and he counted it as they were both in agreement and 1 that it was the amounts I needed to pay for the 2 transaction made I confirmed on the screen at the register the same amount the lady cashier put some of the money in her drawer and the man cashier put some in a looked like a bank bag of some sort and put money in there and walked away as I heard from the lady cashier she said isnt that going to make me short he told her no I asked them is everything ok they said yes I was given a receipt for the amount I paid the amount owed per customer service per transactions made and verified by both cashiers I left the store with my receipt in hand On the XXXX th of XXXX I received a call from Citi bank that I was in collections I started to investigate this why I was in collections started a dispute process As I had my receipt of the amount paid Same amount owed token in the store to pay the amount of the transactions made on the card as nothing was charged before or after I knew there was a problem I came back to the area where I paid my bill in XXXX to finish up some things and being that I was near the store and knew theres was a problem and Suggested by Citi bank to bring it up with the store I went to do that after several phone calls and 2 visits to the store the general manager is saying that isnt the amount I paid the amount on my receipt That my receipt is not valid and if I persist in the manner he would do charges of fraud on my behalf I think this is terrible I went in to the store to pay my bill mind you early the statement was not out yet 3 counts of the money by me and 2 cashiers confirmed on the screen at the store and I am treated like this

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 2019-09-09
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: CITIBANK, N.A.

Complaint:
I do not recognize this inquiries, I did not give authorization to use my social security number to obtain this inquiry.

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 2018-10-18
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft 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 2016-08-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.

Complaint:
I keep getting phone calls looking for a XXXX XXXX ( not me ), and when I ask them to stop, they do n't. I got XXXX company XXXX XXXX XXXX XXXX to take me off their list, but others are calling now. A company called Convergent Outsourcing , Inc. is calling and hanging up when I pick up the phone. When I call them, I 'm out on hold to speak with someone. I told them once to remove my number, but I keep getting the hang up calls, and when I called back, I spoke with an XXXX who said my number was not in their database.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.

Complaint:
In late XX/XX/XXXX, Midland Funding filed a lawsuit against me in XXXX XXXX XXXX Court in Arizona, which involved junk-debt purchased by them that was beyond the statute of limitations. I addressed the fact that it was past the statute of limitations with the court. In XX/XX/XXXX, I was startled to discover that a judgement had just been issued by the court on this case. This is something I was not made aware of beforehand, as is necessary with the filing of a motion for a judgement. As can be seen in the court activity which I have attached, I have always responded to the court, when I am notified. I would have then obtained an attorney, as they continued to attempt to collect on something which was past the statute of limitation. At the time, the only documentation I had received was regarding another case they had brought against me at the same court. This was also a case which was beyond the statute of limitations, which I immediately addressed with the court. 
Midland Funding is a predatory company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
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 am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mine to be removed from my credit report IMMEDIATELY. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) states that I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause 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 non-monetary relief
Consumer complaint received 2022-08-01
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the inability of the Credit Bureaus to verify the disputed account on my Credit report despite the multiple letters I have been sending to them! How many letters would it take me to send to them in order for Transunion to update and correct the status of this account? Once again, I am NEVER LATE in paying with this account. I have my own record of payment history to ensure the data the Credit Bureaus and the creditor present is accurate and not erroneous. The information Transunion present does not match with what I have! I am requesting them to stop this erroneous reporting and correct this account to report accurate information on my Credit report! The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law : XXXX XXXX Late Date XX/XX/21

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 2020-04-14
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:
XXXX XXXX, XXXX XXXX XXXX, GEORGIA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, US DEPT OF ED/XXXX., US DEPT. OF EDUCATION, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXXXXXX, XXXX XXXX XXXX. have all violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, telephone number, and names corrected on my report this is a violation on my consumer protection rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.

Complaint:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer.

In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

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 2020-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.

Complaint:
XXXX continued to bill us after cancelling their service, multiple contacts made with them to remove the billing we should not have been billed for. They sent us to collection, we settled it to just be done with dealing with them. 

I cancelled XXXX XXXX XX/XX/XXXX of XXXX, we were not on contract. I disconnected all equipment and waited to send it back. 

I called multiple times to remove the billing, they billed me through XXXX of XXXX, XXXX additional months. When talking with them, they acknowledged the billing should not have continued, but nobody was able to stop it and I was forced to pay for services we did not use. 

XXXX can and has verified all of this, they've also verified the equipment was disconnected and sent back. They have been unwilling to remove the inaccurate collection.

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 2022-08-11
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items 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 items : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$5500.00} XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX  XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX 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