hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-03-14
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: CITY NATIONAL BANK

Complaint:
City National Bank shows that I owe them money and is reporting that alleged debt on my credit report. I did not authorize the charges on the account, and have no knowledge of them. Although I have requested verification from the credit bureaus and City National Bank, they have failed to investigate and have failed to provide me with any documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.

Complaint:
I submitted for a deferment with Navient which was approved. I was not made aware that the deferment did not cover all accounts through Navient. XXXX loan accounts went past due without any notification to the submitted contact information causing my credit score to be reduced XXXX points. The past due amount was quickly remedied but Navient refuses to take any blame for the miscommunication and remove the credit reporting. On attempts to call Navient, they claim that their credit reporting department has " no phones and you can not discuss this situation with a live person '' which I believe is a serious offense to not even be able to speak to anyone regarding the situation. I have taken the necessary steps to dispute through XXXX and by mail but I get the same canned, automated denial. I am taking the necessary steps to remedy this situation and just want the negative credit reporting removed. I do not want to move to litigation because I feel I have been wronged and violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-10
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: U.S. BANCORP

Complaint:
I have never had an account with US Bank, I have never had this credit card. 
Contact with the bank shows the borrowing person used an address that I do not live at. 

I have not lived at the address on the account. 

I do not have this account US BANK XXXX Revolving XXXX XXXX XXXX DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT HEADER BALANCE LAST REPORTED ACCOUNT HEADER STATUS AMOUNT PAST DUE XXXX I XXXX {$13000.00} {$410.00} {$18000.00} XXXX PAYS 61-90 DAYS {$5100.00}

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 2023-03-04
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 Reporting Act XXXX XXXX account # XXXX, this account is a charge off account. 

This is a violation of 15 USC 1681 ( e ) ( b ) which states a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I never received a 1009-C form for the cancellations of debt which is a violation of 15 USC 1681 ( e ) ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
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:
I have notified XXXX, XXXX and Transunion several times regarding the XXXX XXXX account. XXXX XXXX is refusing to discuss collection for XXXX account or accept any payments from me stating they are no longer handling account it is with a 3rd party. The is no other company reporting this account to my credit report, only XXXX XXXX. I have attempted several times to resolve this account with XXXX XXXX with the latest being today XX/XX/2021 at XXXX eastern, I spoke with XXXX whom once again refuses to discuss account, accept payment or even send a current dated bill for the balance owed. I have recorded conversations of XXXX XXXX refusals. I have filed several disputes advising XXXX, Transunion and XXXX of the issues with XXXX XXXX and the recorded conversations with contact information to reach me to hear them. All 3 continue to close my disputes stating they verified account details without investigating the issue Im disputing. XXXX XXXX should not be allowed to remain on my credit report if they are refusing to discuss account, accept payment for account or even send me a current bill for account. At this point Im ready to get a lawyer and sue XXXX, XXXX, Transunion and XXXX XXXX because Ive tried for several months to resolve this myself to no avail.

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 2023-03-27
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: EQUIFAX, INC.

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 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 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
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:
I am a natural person, I am a living human being I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. They have violated my rights numerous times and I demand these accounts be removed because.

According to 15 USC 1681 : I have the right to privacy and I did not give Equifax read information to furnish these accounts. 

Accounts are XXXX : XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 non-monetary relief
Consumer complaint received 2019-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL

Complaint:
Removed as an authorized user moths ago shows her having a monthly payment of {$71.00} a month and a balance of over 1000 please remove the account from my profile as Im no longer an authorized user 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 non-monetary relief
Consumer complaint received 2020-12-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC

Complaint:
I am not aware of this debt nor do I believe I owe this debt. I disputed this with XXXX and they refuse to remove this from my credit report, The company failed to provide debt validation for this account.

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 2022-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
On or about XXXX, I received an auto loan with Capital One. Due to personal issues, I was forced to file a Chapter XXXX Bankruptcy in Federal Court, and was required to send all monthly payments for the auto loan to the Bankruptcy XXXX, whereby he sent the payments to the creditors listed every month. Approximately, 2 years later, I converted my Bankruptcy into a Chapter XXXX, and I received a Federal Court Order in XXXX, discharging all my debts, and removing any and all liabilities on ever account, including Capital One Auto. I made arrangements with Capital One and returned the car in great condition. The car was a XXXX XXXX XXXX. The blue book value at the time far exceeded what I owed Capital One. During the years I was paying the Trustee to make my monthly payments as required by the XXXX XXXX, I was later notified that none of my payments were ever applied towards my balance, and after years, my loan balance remained the same. Since the Federal Court Order was issued, Capital One Auto has continued to report to the credit agencies that I was delinquent, past due, and states an amount owed. First, I returned the car and Capital One was able to make money on the sale of the vehicle. Second, Capital One refuses to advise me of where all my payments went and why they were not applied towards my balance. 
Third, Capital One has continued to violate the Federal Court Orders, the Federal Law on reporting requirements after bankruptcy, and violating my rights under FCRA. I no longer own the vehicle and have continued to ask that the Capital One Auto account be deleted from my credit report as they are reporting inaccurate information, they are legally required under the XXXX XXXX XXXX to not to report anything negative on my credit report. As a result of their unwillingness to follow the laws, my children and I have been significantly damaged by their illegal negative reporting. I am requesting that Capital One Auto be required to follow the laws of the Federal Government and XXXX XXXX XXXX, and due to their illegal actions for years, immediately notify the credit agencies to delete the Capital One Auto account from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
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:
n accordance with the fair credit reporting act XXXX XXXX # 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 an account without my written instruction.

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 2022-04-01
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX  XXXX XXXX XXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX XXXX DEPT OFEDUCATIONXXXX XXXXXXXX DEPT OF EDUCATIONXXXX XXXXXXXXDEPT OF EDUCATIONXXXX XXXXXXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-02-23
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: Experian Information Solutions Inc.

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX 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 2023-07-25
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 non-monetary relief
Consumer complaint received 2021-07-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

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 2022-12-07
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: The CMI Group, Inc.

Complaint:
15 USC 1681 Section 602 States 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. 15 USC 1666B : A creditor may not treat a payment on a credit card account under any open-end consumer credit plan as late for any purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A.

Complaint:
In XXXX I paid my account in full. Then in XXXX interest from my last statement occurred did not know and was not notified until I seen a missed payment on my credit report for {$14.00} called to speak with them they said there is nothing they can do that I have to contact the credit agencies paid in full {$32.00} because of fees and they said they put a note about my complaint but there was nothing else that they could do that I had to contact the credit bureaus I did not use my card so I did not know I had a payment did not know that interest occurred asked them to take it off and they said they couldnt. I have never been late and want this removed off my credit as late payment or missed payment

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 2023-01-16
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: OPORTUN FINANCIAL CORPORATION

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
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 appears that my credit file has been compromised. Again, I was going through my records & noticed many information, and accounts that do not belong to me. Please block the accounts that are misleading and incorrect in my file. 

Here are the aforementioned accounts : XXXX XXXX  XXXX XXXX  : {$1600.00} XXXX  XXXX XXXX  XXXX XXXX  : {$480.00} XXXX XXXX XXXX XXXX XXXX : {$660.00} This complaint is a follow-up to my previous complaint dated : XX/XX/2023 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
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: EQUIFAX, INC.

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
I was to participate in a research study conducted by XXXX XXXX. Prior to the research study I had to take a XXXX XXXX XXXX, health history questionnaire, and a XXXX XXXXXXXX to be screened for eligibility. I passed all requirements and asked XXXX XXXX and XXXX XXXX if i was eligible and was told I was. I was informed I would be scheduled for follow up appointments to start the study. My current insurance coverage did not cover the XXXX XXXX so i paid out of pocket on XX/XX/2019 in the amount of {$470.00}. 
I reached out to XXXX XXXX with my schedule to be scheduled and never received a callback/email from him or XXXX XXXX 's office. I would like a resolution to this and a refund because I was not provided services promised. When trying to dispute the transaction with Bank of America they replied that they would not be able to refund the money and would have to escalate the 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 2020-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
There is a huge variation in the credit scores of the three companies ( XXXX, XXXX   and Transunion ) XXXX and XXXX have a 1 point variation in my scores between the two of them and Transunion has a 50 point variation between the lowest of the two scores. I do not believe that they have correct information for my reports and they should investigate and advise why there is such a huge variance between them and the other two reporting agencies.

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