hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-07-06
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these inquiries ( A ). It is not permissible to fail to validate these reporting inquiries as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted 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 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 explanation
Consumer complaint received 2020-06-01
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
In XX/XX/2017, I opened a Saks Fifth Avenue store card that was serviced by Capital One ( SaksFirst Store Card ). Not long after opening the SaksFirst store card, I was diagnosed with XXXX on XX/XX/2017. 

Due to the length and nature of my treatment, I did not use the Saks card for the first few years after opening it. 

After my father passed away on XX/XX/XXXX this year, I planned to use the Saks card for a dress shirt for his funeral. Due to the COVID-19 restrictions in my state, we were not able to schedule a wake and burial until XX/XX/XXXX. 

I tried to purchase a dress shirt on XX/XX/XXXX, but I was informed that my account was closed by Capital One due to inactivity. 

I am not so much concerned about losing the access to the credit line. My main concern is my XXXXredit score. I was notified today by my credit monitoring service that the closed account caused a substantial drop in my credit score. 

I understand full well that closing inactive accounts happens every day and is extremely common. Seeing that the account was closed less than 3 weeks ago, I was hoping that there would be some possibility that it could be reopened. 

I have been through so much these last few months, and I feel like I keep getting knocked down. 

Either way, I appreciate the consideration. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-27
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-15
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: Experian Information Solutions Inc.

Complaint:
This is fraudulent not my account please remove asap

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 2023-07-23
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I have sent several letters and my FTC report, and the company has still not responded. 
on XX/XX/23 i mailed my dispute letter, on XX/XX/23 i mailed my XXXX letters with for me with all the information requested for me, on XX/XX/23 i sent my FTC report and still no response, i requested proof of the allege accounts belonging to me, i haven't received a response. On XX/XX/23 i sent another XXXX letter.

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 2018-08-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capital Accounts, LLC

Complaint:
I was paying on the account prior to it being turned over for collections. I feel this is a negative remark on my correct and I ask them to validate the debt with signed documentation and the indebtness of my signed agreement with the creditor. I feel because I was never given a written response under the FDCPA that my rights as a citizen has been violated under the FDCPA. Please produce sign doctuments and debt charged or have the account terminated which is barring on my household and affecting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Colony Brands, Inc.

Complaint:
I have observed that XXXX has been reporting an account on my credit report for the last seven months that doesn't belong to me. I disputed the account on several occasions with the credit bureau and they stated that XXXX verified the debt as mine. I then contacted XXXX asking them to verify this debt but to no avail., they have failed to verify but continue to report the fake account. I will now ask one last time for them to send me the contract I signed that contractually obligates me to pay this fraudulent debt. I know my rights have been violated and I will contact a consumer attorney if this account can not be resolved amicably. The account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC

Complaint:
The medical debts were disputed as an identify theft and dismissed by the original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
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:
I received a loan from XXXX XXXX XXXX. I was in an accident where my car was totaled by a drunk driver. the total amount owed on my loan was {$11000.00} ( i have submitted my loan paperwork from XXXX XXXX XXXX ). XXXX paid {$9000.00}, GAP insurance paid {$1600.00}. The taxes remaining on my loan was {$570.00}. XXXX XXXX XXXX is reporting that I owe {$2900.00}. The only amount I owe are the taxing remaining of {$570.00}. 

loan:XXXX ( PAID ) Geico:XXXX ( PAID ) GAP:XXXX ( PAID ) Taxes:XXXX ( UNPAID )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
In accordance with the Fair Credit Reporting Act XXXX ; Account 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, Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2021-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation

Complaint:
I got a world finance loan a few years ago. I then called over a month ago to pay off my collection debt of {$520.00}. And now all of a sudden it shows on my collection a balance of over {$3000.00}. I have tried disputing it several times with my receipt showing it has been paid and XXXX is becoming no help along with world finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
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 credit reporting agencies Experian, XXXX and XXXX is reporting a closed XXXX XXXXXXXX account # XXXX opened on XX/XX/2015. This account is fraud and don't belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
On XXXX XXXX, I finally received my replacement debit card edd from Bank of America. A representative helped me activate my card and helped me have access to my account. Bank of America resolved my first claim # XXXX and gave me my {$5200.00} back but I saw that there was a transfer on XX/XX/2022 of {$5000.00} to a debit card XXXX # XXXX. The same suspect did the transfer from the previous fraud that was done in my account. I asked the representative how was that done when I had no access to my account until XX/XX/2022. I was able to see their last 4 numbers of checking XXXX and routing # XXXX. Bank of American never gave me a notification or approval of this transfer. This is the 2nd time that this happens. I reported to the police and filed a 2nd claim.

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 2022-04-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Financial Resources, Inc.

Complaint:
A year ago, I found an incomprehensible entry on my credit report that did not belong to me - FST FINANCIA ( Original Creditor : XXXX XXXX ), Account # XXXX. At first, I just called the bureau, explained the situation, said that this record does not belong. Every time they promised me that this entry would be deleted, but nothing happened. And when I called again, they told me that there was nothing on my case. It's just absurd. Then I began to write letters to the bureau in order to investigate this entry, and provide me with the facts that this entry belongs to me or delete it. The bureau never responded to any of my inquiries. Then I found the address of this strange creditor, wrote them letters asking them to confirm my debt and, in general, at least explain where I got this debt from. As a result, a year of struggle with the bureaucratic system, where no one cares about you and your problems. The record is still present in my report, but I still dont know where this debt comes from and for what. I ask you to remove this entry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Education, LLC dba Aidvantage

Complaint:
On XX/XX/XXXX, I paid off my student loans. I made this in one payment of {$80000.00} and one for {$48000.00}. I then submitted a duplicate {$48000.00} and told them not to process the duplicate. They processed {$120000.00} and I received email confirmation of that. One account of mine was debited for {$80000.00} and the other for {$48000.00}. The payments showed up on my ledger as processed, and also showed that Aidvantage reversed the duplicate payment for {$48000.00}. My ledger went to zero money owed. 

On XX/XX/XXXX, I was informed by Aidvantage that I had successfully paid off all my student loans, in a letter saying, " Congratulations on paying your loans in full. 
We received your final payment on XX/XX/XXXX. '' My ledger showed zero, and I separately received email confirmation they received {$120000.00}. 

On XXXX ( in a letter dated XXXX ) I was informed that a payment of mine was not processed on XX/XX/XXXX ( ten days prior to being informed that my loans were totally paid off ) due to customer revoking authorization for a {$29000.00} payment. However, the full {$120000.00} had been debited from both my accounts, and the {$29000.00} has not been returned to me on XX/XX/XXXX. On XXXX ( in a letter dated XXXX ), I was informed that a payment of mine for {$19000.00} had been returned to me on XX/XX/XXXX. 

On both occasions, NEW entries on the ledger showed up for XX/XX/XXXX showing payment reversal, which NEVER occurred. I NEVER had any money returned to me and my bank accounts were debited for the full sum of my accounts. In fact, the XXXX XXXX account they claim they reversed the payment to was closed the day after payment confirmation was received, so I don't even know how they would have reversed the payment : and they aren't providing any explanation of where they supposedly sent it. 

So Aidvantage has taken the full {$120000.00} from me but is claiming that I still owe {$48000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
I've reach out several times to dispute the inaccuracies of the XXXX account.Its a Charge off account and its is showing a balance. 
Its was cellphone account. Its showing a installment. 
XXXX XXXX stated it was sold to a collection agency but their still reporting it as their.It

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL

Complaint:
XXXX I never used the card and they closed it without me knowing. I would like them to remove it off my credit I 'm trying to buy a house and this is holding me back

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 2018-09-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BARCLAYS BANK DELAWARE

Complaint:
This complaint is against the Priceline Rewards Visa Credit Card who is constantly harassing me by making phone calls even in the middle of the night or early morning asking me to pay the credit card balance which do not belong to my transactions.

I was able to use this credit card for a very limited number of times. It was declined most of the time. However, I made the payments and decided not to use it in future since its embarrassing. Now I have been receiving letters from Priceline that the account has been closed, however, I have been still asking to pay the amount of {$280.00} which includes the late fee and interest charges of each month from XXXX to XX/XX/2018. I fail to understand on what transactions the late fee and interest charges have been imposed. Since Im unable to use this card for a long time, I dont have any transactions made on this card or payments that I owe yet I have been constantly harassed by their phone calls and letter. Though I have signed up for Paperless statements but still Priceline Rewards Visa credit card is wasting the paper of the United States. 
Id really appreciate if u could resolve this issue by clearing this account. 
I have used the card only before 2018 began and the total transactions made were of {$320.00} which include some of the returns as well. Payment was made in full. 
As per promise, I was supposed to receive the statement credit of {$100.00} right after making the first purchase but it made me numerous phone calls to receive the statement credit that I owed. 
It was a terrible experience and Im seeking your help to resolve this issue and close my account after clearing the balances. 

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 monetary relief
Consumer complaint received 2020-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION

Complaint:
There is a balance of {$17.00} showing on my credit report but this had already been paid off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
On XX/XX/XXXX I sent a 2nd certified mail to the company with colored photo copies of my untility bill less than ( 45 days ), Unexpired Passport ID and SSN card challenging the errors and violations and mistake of identity of my name. To date, I received no response and no actions taken. Am patient but now it is way way too long.

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 2022-09-13
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:
There has been multiple attempts to collect a debt that is not mine by XXXX XXXX. I contacted XXXX XXXX and advised that account was opened without my consent and is fraudulent. I filed a police report and submitted it to their fraud department. XXXX has tried to get multiple credit collection agencies, which have reported to my XXXX, XXXX and Experian account several times. Each time I challenge the collection and the account is the sold to another agency and the collections goes back on my report. Sometimes it has shown back up with the same credit collection agency. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. 
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.

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