hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-07-01
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: Adler Wallach & Associates, Inc.

Complaint:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX 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 resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-27
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:
On XX/XX/2021, I went to ATM to take out {$500.00}. There are 2 ATM machines at the drive thru at Bank of America. When I tried to take the money out, it did not give me the money, the machine acted as if it did. I immediately called the XXXX # on the machine. It was the XXXX Fraud #. The rep told me to try again and he would enter a number on his end. The machine did not give me the money again. I told him there was another machine next to me. He said to drive to that machine and try it again. So I did. That 2nd machine disbursed the {$500.00}. When I went home, I looked on my account online and the statement showed 2 {$500.00} deductions. I called the XXXX Fraud line again and they told me not to worry, that they would put in the dispute and temporarily put the {$500.00} back in my account. Two weeks ago, the BOA took out {$500.00} from my account and informed me that the dispute was lost because they found that the transaction was valid. I appealed it and it went back into re-consideration. I was recently advised that I lost the 2nd dispute and could not appeal again. -- I'm told that the camera shows me receiving the money. But, I was informed verbally by the rep, that the dispute was made on the 2nd transaction and the video was only viewed for the 2nd camera. Not the first transaction and not for the 1st ATM camera. When I asked them to show me the proof, they said I had to get a supheana. They also told me verbally that they checked both cameras and both ATMs, but they won't put it in writing. The rep I spoke to informed me verbally that the dispute is only for one transaction, but the claims department won't let me put in a 3rd dispute for them to look at both cameras for both ATM machines. I didn't receive {$1000.00}. The transactions shown on my statement are not time stamped, therefore, I don't know which one is first and which one is 2nd, so I don't know which one they disputed and which one is right and which one is wrong. All I know is that I only received {$500.00}, not {$1000.00}. I have attachments showing that they only say they viewed 1 camera for 1 ATM.

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 2022-08-25
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: EQUIFAX, INC.

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
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: Santander Consumer USA Holdings Inc.

Complaint:
I have credit inquiries on my XXXX XXXX that I don recognized everything on my credit from XXXX to XXXX I havent authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.

Complaint:
today is XX/XX/19 i pull my experian report come to found out they report fraud accounts on my report i have tried 5 to 6 times to dispute the accounts with them and they comes back with in 5 min saying verfied it aint no way in this world they could have dispute the accounts in 5 min its a disgrace with EXPERIAN i have a FRAUD elert on my account now for a couple months here are the accounts and this is the catch they have been remove from equifax and XXXX accounts .... # XXXX XXXX XXXX XXXX its been remove from equifax and XXXX but not XXXX acount .... # XXXX i XXXX this account also have been remove because of fraud elerts and identity theft but experian will not listen to me i got hung up on the other day trying to expling my concern but no help over there all they say is call the credit copany and i did and they say its up to experian crpb plz tell experian its aginst the law to report fraud accounts on people hard earn credit report its killing my fico score .... Account # XXXX XXXX XXXX XXXX i do not know anything about this account its a fruad account ... Account # XXXX i never had a credit card they saing i had i told them to send me a contracsaying i sign up for this card and they said its veried but i didnt recive no paper work its crazy Account # XXXX XXXX XXXX XXXX i dont know what this is this why i file a fraud elert because someone or somebody putting stuff on my credit report thats are a fraud plz remove its aginst the law .... ALL I want is somebody to stand on my side because talking to experian will not help removing these accounts they dont care about the law all they worry about the money not my credit its the law to report fraud accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24
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: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
Capital One, XXXX XXXX XXXX, XXXX, Utah has been ATTACKING my Credit Report with repeated HARD Inquiries of at least once ( sometimes twice ) per month! My account with them was CLOSED on XX/XX/2020, but the attacks have been happening continuously ( without fail ) from XXXX 2020 until present, well after the account was closed! After speaking to no less than four ( 4 ) customer service reps, nobody at Capital One or its debt collection agency ( " XXXX XXXX '' ) had/has the capability to stop the AUTOMATED hard inquiries! This has created irreparable harm to my Credit Score and must be stopped immediately. Please intervene on my behalf to serve a Cease & Desist notice on Capital One asap. Thank you very much!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody 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 2023-08-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.

Complaint:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so I don't want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Credit & Collection Corporation

Complaint:
Was sent a letter By GLOBAL CREDIT & COLLECTION CORP detailing a alleged debt not owed, further more I did not authorize this company to contact me or have my personal Indentifying information, this company do not have my consent un 15 U.S.C 1692 c.

Company response to consumer: Untimely response
Consumer complaint received 2022-12-05
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block these files : 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 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  If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2018-10-23
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: Credit Karma, LLC

Complaint:
I can not view updated credit information online through any means that I currently use. Credit Karma gives me an error stating that both XXXX and XXXX are unable to provide them with my credit information, it also states that it cant retrieve info from the credit bureau. I have been using Credit Karma for two years and haven't had an issue until recently, the last update was XX/XX/2018. The app says to contact XXXX or XXXX  to resolve the issue. To verify that whether it is a Credit Karma issue, I went to XXXX to request my free credit reports and got errors from all three companies. XXXX says for my protection they can not deliver it online, XXXX says a condition exists that prevents them from being able to accept my request, and XXXX says they can not confirm my identity. I called XXXX to see if there was an issue with my credit report, like fraud or theft, and all they could do for me is tell me that they see a credit score and will sell it to me for {$9.00}. Even my credit cards that track my score can't get an update. I am very concerned about the status of my credit but can't seem to get an answer from any entity about what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA

Complaint:
Transferred from XXXX to Mohela XX/XX/XXXX. Never received any communication or initiation of contact from Mohela. Incomplete transfer of payment history and other information as of XX/XX/XXXX. I had to beg Mohela for payment history and they treated me as if they were doing me a favor by providing info. 

My PSLF applications have not yet processed through Mohela or updated counts despite being submitted spring XXXX. Agents, Managers and Supervisors unable to explain why my applications have not processed after 8 months. I have been told to be patient since XXXX XXXX. Ive had to resubmit my XXXX Loan Forgiveness application 3 times because of bad instructions and information from Mohela personnel. On XX/XX/XXXX, Mohela agent stated I would disqualify myself from PSLF if also applying for TLF. Spreading inaccurate information and completely misrepresenting the basics of COVID Waiver. Making loan holders jump through hoops, agonize and stress over possibility of jeopardizing their opportunity for financial security, making corrections to and having to resubmit applications because of Mohelas mistakes and holding up the forgiveness process in general. Im sure many have just given up. It is exhausting and discouraging spending so much time and energy with not even the bare minimum of regard or support from loan servicers. Many agents are condescending and rude when answering questions they are being paid to answer. This entire experience and process has been appalling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: J J Marshall & Associates, Inc

Complaint:
I have disputed this debt because I do not know who JJ Marshall and Associates are, they are on my credit, I have never applied for or done business with them, and they sent me medical billing information. I believe this violates my rights according to HIPPA. I have also demanded several times that they stop calling me, to no avail. PLEASE HELP ME!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.

Complaint:
My actual issue is with a debt buyer who after three rounds of letters have refused to validate their ownership of my debt and provide proof of my contract with them to pay. They are also reporting on one of the credit bureaus that I have a late payment of 120 days ( EQ ). This is false and inaccurate information and I request that the below mentioned account be removed from all three of the credit bureaus. 

Midland Credit Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
These are not my accounts, nor did I authorize any of these companies to run my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2019-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: FIRST MIDWEST BANCORP, INC.

Complaint:
First Midwest Bank at XXXX XXXX XXXX, XXXX, Illinois, is discriminating against me for being a XXXX  XXXX  XXXX. They would not allow me to cash {$100.00} of my {$400.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  check # XXXX issued by the U.S. Treasury on XX/XX/2019, in their bank lobby. I needed {$100.00} so I could continue to pay for my {$30.00} XXXX bus passes through the winter months when my mobility afoot will be restricted, but the Teller only allowed me to withdraw {$80.00} in defiance of the Check Clearing For The 21st Century Act. To add insult to injury, they then assessed my third - {$36.00} Overdraft Fee to date since the inception of my account on XX/XX/2019, against my First Midwest Bank Easy Checking account. This time, they assessed the - {$36.00} Overdraft Fee against my {$41.00} check # XXXX to XXXX XXXX that I had to pay as a mattter of necessity for my cold 64 degree Fahrenheit apartment. However, for all tense and purposes, I should have never been assessed a - {$36.00} Overdraft Fee as according to their own records at XXXX XXXX XXXX I had a {$380.00} Balance at the time the - {$36.00} Overdraft Fee posted on XX/XX/2019. Under the Expedited Funds Availability Act, the bank Teller should have had a fidcuiary duty to advise me that I was Overdrawn on XX/XX/2019, ( if this was indeed the case ) for at which time i would have been glad to return on foot on XX/XX/2019, once the {$400.00} check cleared as the streets were still free of hazardous ice and snow at the time ( which isn't the case now ). I have never endured so frequentt of Overdraft Fees in such a short succession of time in my life so I feel that First Midwest Bank is Redlining me for being perceived as an inferior XXXX  minority. I will be switching banks soon, but wanted to report this matter in case an investigation needs to be launched in order to protect more vulnerable customers at Frist Midwest Bank from such predatoy conduct. 
Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Fidelity National Information Services, Inc. (FNIS)

Complaint:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company

Complaint:
My complaint is regarding Merchants Credit Guide Collection Company listed on my credit report also under XXXX XXXX XXXX for {$280.00} and {$750.00} I have sent several letters disputing this debt and It was removed however it keeps popping up and the documentation they allegedly sent to the Credit Bureaus is a direct violation of my HIPPA rights. I would like for this debt and any additional debts from this company removed from my credit report immediately. It was removed and added back to my credit report and I was not notified with any documentation from the Bureaus or Creditors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmerAssist A/R Solutions, Inc.

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I applied for a car, furniture, credit at the dentist and credit card. Did not get approved and have many hard inquiries. 
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