hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2019-09-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
notes from XX/XX/19 bank of america meeting. 


Went into bank to check on a rate for money market. 
Sales clerk at desk and asked about rates. She took my debit card and then went to speak to a man behind the glass partition. After a few minutes I was invited back to meet XXXX XXXX, Small Business Banker. 
He already had my accounts pulled up. I explained that I wanted to get the rate on the moneymarket account I had because another bank had just moved me into a higher rate. Mr. XXXX pulled up a pamphlet which had nothing to do with rates and was a " Business advantage Relationship Rewards '' program. He began by selling me a credit card and then moved onto to payroll. 

During this discussion he pointed to the next to last sales bullet payroll services and ( no vendor listed ), " I see you pay {$57.00} for XXXX ''. I didnt get it then but later I recalled him pointing to his monitor. He was accessing my account! Mr. XXXX continued to say that he could get that fee down and called whom he said was his " associate ". 
At first the call was private, but then when it came to explaining the savings he put the call on Speaker phone and an the asscociate said " that is because XXXX offers kick backs to accountants. '' I was then given a business card for XXXX XXXX of XX/XX/XXXX. 
This set off alarms!!!!. I never gave, nor was I asked, for permission to look into my business dealings. To have Bank of America reviewing my CHECK details and then discussing it with an outside vendor is, in my view, wrong. It was so alarming that I made notes which I have transcribed here.

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 2019-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS

Complaint:
I was going over my credit files with my attorney and we noticed a lot of unknown addresses and a few errors in the information on my credit report. My name is XXXX XXXX XXXX my current and only address is XXXX XXXX XXXX XXXX, OH XXXX my SS XXXX my DOB XXXX. Please delete any and all information other than the above spelling of my name. 
The following accounts need to be deleted : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
XXXX XXXX XXXX : I have NEVER given this company consent to my private personal information which is identity theft. This company nor whomever their client does not have a contract signed by me for services with this company. Per FDCPA 1692c Sec 802, this company asking me to pay an alleged debt they are no party of is FRAUD. The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX XXXX does not have any documentation, they need to retract this from my credit file immediately.

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 2017-10-16
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:
This company XXXX XXXX and XXXX has added themselves to my Credit bureau accounts as a creditor and has set up payment schedules showing me past due on or around XX/XX/2012 in the amount of {$1200.00}. I have never done business with these people and have not agreed to anything with them. What they have done is violate federal law regarding setting up fictional accounts as a debt collector just to collect a debt, without the consumers knowledge and approval. I complained to the Credit bureau, but they claimed that the debt collector responded that the debt was legally owed to them, which is a lie.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-05-30
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: Experian Information Solutions Inc.

Complaint:
CC : Consumer Financial Protection Bureau ( CFPB ) CC : South Carolina Attorney General ( Complaint Filed ) CC : XXXX XXXX XXXX XXXX XXXX XXXX CC : Federal Trade Commission ( FTC ) CC : Experian, XXXX, XXXX Dear XXXX, I am writing to dispute the charge-off that appears on my credit report for account XXXX. I believe that this charge-off was the result of multiple violations of federal law, including the Uninformed Decision Law ( 15 U.S. Code 1601 ( a ), the Lack of Evidence of Indebtedness Law ( 15 U.S. Code 1602 ( g ) ( 2 ), and the Adequate Notice Law ( 1643 of 15 U.S. Code 1602 ( k ). Therefore, I am requesting that it be removed from my credit report.

Firstly, I was not properly informed of my rights and responsibilities under the Uninformed Decision Law. This law requires that creditors provide consumers with certain information, including the cost of credit and the consequences of non-payment, before they can legally charge off an account. I believe that I did not receive adequate information regarding my rights and responsibilities, and as a result, I made an uninformed decision. Such notice may be given to a cardholder by printing the notice on any credit card or honest on each periodic statement of account issued to the cardholder or by any other means reasonably assuring the receipt thereof by the card holder.

Secondly, I have not received any documentation from the creditor showing that I owe the debt in question, which is a violation of the Lack of Evidence of Indebtedness Law. I am therefore unable to verify the accuracy of the charge-off. The only evidence of this debt was the agreement but the agreement, but that agreement was null and void because I made an uninformed decision, I did not understand this agreement and it was not clear and conspicuous.

Lastly, I do not believe that I received adequate notice from the creditor regarding the status of the account, which is a violation of the Adequate Notice Law. I did not receive any communication or notification from the creditor regarding the impending charge-off, and I was not given an opportunity to rectify the situation before the charge-off occurred.

Given these violations of federal law, I request that you investigate this charge-off and provide me with a detailed explanation of why it was reported. If it was indeed the result of violations of federal law, I ask that you remove it from my credit report.

Thank you for your attention to this matter. I look forward to resolving this issue as soon as possible. 

Sincerely, 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 2018-06-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC

Complaint:
Enhanced Recovery Company shows on my credit reports with original creditor XXXX XXXX XXXX  opened XX/XX/2016in amount of {$510.00} While I recognize XXXX XXXX XXXX  I have no knowledge of Enhanced have never had any business with this company. Have never received any communication from either in regards to this alleged debt. The last 4-5 years I have been on someone else 's account with XXXX and XXXX. This is either a mistake or fraud and from all the complaints on XXXX XXXX, # 3 most complaints on CFPB 252 % increase in complaints from one year to next average of 193 a month. Some 13,800 results on XXXX  related to lawsuits I would tend toward fraud. I would have to ask at just what point do these companies get shut down and put in prison?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.

Complaint:
For the last six months I have been disputing with the three credit bureaus and no resultion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ResidentCollect, Inc.

Complaint:
I am in the process of applying for a mortgage and i found a collection from Resident Collect on my credit.I am not sure what this debt is for. I disputed it with all XXXX credit bureaus for the past few months as well as sent letters via certified mail to the collection agency asking them for more information on the alleged debt they are reporting. I have sent XXXX letters certified mail to which they have not responded to either dispute at all. Since they have not provided any information about this debt and i have never received any dunning letters from this agency i have no idea what they are reporting on my credit and it has resulted in a denial of a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: FlexShopper, Inc

Complaint:
Flex Shopper calling 12-15 times per day, everyday for a {$60.00} debt. 
Calling from various Rhode Island and New York phone numbers. 
Asking me to confirm information for the debt, when they calling me, so I refuse to give or any payment over the phone, as I cant be guaranteed its not a scam. 
I told operators numerous times to stop calling and send official mail, if they like to settle claim, they refuse and continue to call many times per day and even putting my work position in jeopardy due to the high calls. 
i have my phone loggs to prove this harrassment by Flex Shopper & furthur will NEVER do business with them ever again, nor do I recommend anyone i know to do business with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.

Complaint:
Mother has not even been buried in the ground for 60 days as date of death was XX/XX/18. Creditor already attempted to place with strong arming collection agency of XXXX XXXX XXXX  to try to settle the balance. For the record, no known executor exists, no known liquid assets exist, I am the daughter, I am not responsible for paying the balance of my deceased mother.

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 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY

Complaint:
3rd request Target received a check and cashed it. Someone tell me where the funds are. When I call Target will not speak to me. Ive logged hours and at this point its mental distress, emotional distress and financial distress.

This dispute has 2 parts Original account is mine however fraudulent activity occurred as I experienced Identity there. I went through the fraud process with target when it happened. The account sat dormant until recent on my credit. I dont owe it HOWEVER I PAID IT. Again I PAID IT. Attaching a front and back copy of the cashed check.

Where is my money.

Why are you reporting charge offs after it was paid. Per XXXXn the reporting was suppressed then reporting began XXXX of this year. 

I request someone call me as Ive did all I can do on my own and I am fully prepared to file suit and go to the media as this is rediculous. Someone is half doing there job and its going to cost you if someone doesnt make an effort to resolve with me and that can be a phone call. This impacts, reg b, fcra, fdcpa, ftc as a fraud case was filed, Ive sent fraud forms and police report showing the identity AND I PAID EVEN THOUGH I DO NOT OWE IT AND NO ONE WILL RESEARCH THE PAYMENT. FINAL ATTEMP TO RESIDE BEFORE HIRING LEGAL COUNSEL AND I WILL ASK TARGET TO REIMBURSE LEGAL FEES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-22
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:
I mailed Equifax an Identity Theft Affidavit, FTC report and other supporting documentation, delivered XXXX XX/XX/XXXX. I spoke with a representative XX/XX/XXXX and she stated that I needed to resend my FTC report because I had missed a date and they were unable to delete the accounts. According to 15 USC 1682c-2 ( a ) BLOCK Except as otherwise provided in this section, 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 alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Please see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
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: Experian Information Solutions Inc.

Complaint:
I have filed 2 rounds of disputes for a few accounts with this credit bureau. the first round of disputes were on XX/XX/22, to verify the accounts. and the second round of disputes on the XX/XX/22 for inaccurate information and illegal collection fees. I have not heard from them and it has been 30 days. I would like the accounts in question to be deleted 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 2022-05-13
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 XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX have all 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 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 2022-09-05
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: Experian Information Solutions Inc.

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX 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 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 explanation
Consumer complaint received 2023-08-22
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.

Complaint:
My student loan account for XXXX XXXX is showing multiple late payments when it shouldn't. I sent all 3 credit bureaus proof of all my forbearance dates and they are still reporting late. There should be no late payments on this account at all.

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 2017-10-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch

Complaint:
AMERICAN MEDICAL COLL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Amount of {$150.00} is being reported. 

I have contacted them because my supplies were sent to an old address. I changed my address with them years ago and they still sent them to the wrong address. I should n't be paying for something I did not get and was sent to another address, when I called then to change the address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.

Complaint:
Please review the following documents. This is payment history for the life of my ( XXXX ) private loan. I have ( XXXX ) total with Navient all with similar indiscretions. This is just an example of XXXX. I can send you all documents of all my loans if you need further review. With all the lines where I was charge capital interest, this pertains to times of financial hardship where I was advised my only option was to opt for the forebearance. I was never given any other options until recently, they offered that I could apply for income based rates. I also had delayed payment processing multiple times in which resulted in overdraft fees with my bank and late payment penalties. Ontop of all of this, everytime I call customer service I get a different explanation on issues that would arise. Yesturday I was informed by customer service that they only had access to records back dated to 2015. Anything before that they couldnt help me with.

Company response to consumer: Closed with explanation