hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
I keep asking Experian to investigate an item on my credit report. I have submitted the burden of materials of proof and they keep responding saying that the request is not coming from me. I have provided my identification and their copies and my signature and they keep saying that it is not coming from 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 2021-03-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Yamaha Motor Finance Corporation USA

Complaint:
I have my boat loan with Yamaha Motor Financial company. They have terrible costumer service for one. And two, I have my account set up with auto-pay. My bank does a 5 day check payment, and only withdraws the money once the payment has processed with the payee. Yamaha is claiming they did not receive my payment until 2 days after the due date, and now charging a late fee. My bank statement shows that my payment posted with Yamaha on the due date. I submitted my proof with Yamaha and they are still refusing to reverse the late fee charges! I HAVE PROOF of payment on time!!!! Yamaha is TERRIBLE!!!! 
*I also make larger payment amounts, not just the minimum payments. Oh, and double payments. So, tell me why they won't reverse their mistake on an account that is an upstanding one??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
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: Upstart Holdings, Inc.

Complaint:
On XXXX XXXX, 2021 I mailed a letter to the company disputing this account. I gave them 30 days and checked my credit report and no dispute comment had been added. On XXXX XXXX, 2021 I sent a second letter to the company about the dispute. I never received a reply, and once again after 30 days a dispute comment was not added on my credit report. On XX/XX/2021 I sent letters to XXXX XXXX, and XXXX regarding this dispute. I did not receive any replies and once again after 30 days the account did not have a dispute comment added. On XX/XX/2021 I sent a second letter to the 3 credit bureaus regarding the dispute. Once again, after 30 days, no dispute comment was added to my credit reports. The company has violated the Fair Credit Reporting Act, section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Act Section 807 ( 8 ) by not placing a " notice of dispute '' disclosure on my credit reports within the required 30-day period. This company also never provided me with copies of any documentation bearing my written signature in response to my dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.

Complaint:
On XX/XX/XXXX, I disputed items in my credit report that were a result of Identity Theft. I filed the dispute online through the Experian website where I was required to upload documents to support my claim of Identity Theft. I uploaded numerous supporting documents including, a copy of a police report for the theft of my belongings and credentials that led to the Identity Theft, and Identity Theft Affidavit, an FTC filed complaint for the Identity Theft, etc. On XX/XX/XXXX, I received a letter from Experian advising me that the Identity Theft report I provided for my dispute does not meet the guidelines by the federal Fair Credit Reporting Act for the following reasons. But the letter does not list any following reasons. Experian is now requesting that I provide them with an enormous amount of specific information and support documents in order to proceed with my dispute for Identity Theft. I've already provided them with the requested information when I initially filed my dispute online through their website and uploaded the requested documents electronically. There is already an extended fraud alert ( 7 years ) on my credit report from when I first reported the Identity Theft to Experian in XX/XX/XXXX. In order for Experian to have placed the extended fraud alert on my report, I was required to provide them with information and documentation that supported the Identity Theft, so the information had already been provided to Experian in XX/XX/XXXX. The information and documents I uploaded on XX/XX/XXXX, when I filed my dispute online through the Experian website, did reference the Identity Theft that occurred and supported the fact that Identity Theft was committed against me. I'm not understanding why Experian is now saying the information I provided did not reference Identity Theft. The letter I received from them on XX/XX/XXXX, fails to state the reasons why they did not accept the documents I provided.

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 2017-10-25
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: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
cap one and XXXX inaccurate information on my credit violation of cra and hippa

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE

Complaint:
In XX/XX/XXXX, I cancelled the XXXX card that I took out in XX/XX/XXXX, because none of the inducements to applying for the card had been provided. When I called and asked that the annual fee of {$95.00} be refunded, that request was denied. I have paid all the amount due on my card, less that {$95.00} and wrote to them disputing the debt. They have made no attempt to resolve the issue and instead have charged late fees and interest and have now taken the step of reporting me to the credit agencies as delinquent on the account in an attempt to bully me into submission. They have lied, deceived and made it as difficult as possible to try to access the benefits promised. 

I request that the debt be written off and Barclays Bank be required to do whatever is necessary to repair my credit record with the 3 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 monetary relief
Consumer complaint received 2023-02-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY

Complaint:
On XX/XX/XXXX, the same day as my complaint regarding a credit card being issue in my name from XXXX XXXX XXXX XXXXXXXX, an unauthorized transfer of {$10000.00} was debited from my business account at Wells Fargo Bank. I have contacted the Wells Fargo Fraud Department and the case has been assigned XXXX. 
Posted Transactions XX/XX/23 XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$10000.00} Category : Other Insurance/Financial We have no knowledge of this person and the vendor 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 monetary relief
Consumer complaint received 2022-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
XXXX has FAILED repeatedly as of XX/XX/2022 to remove the account ( XXXX XXXX XXXX Account number XXXX {$400.00} past due as of XXXX XXXX ) from my credit report. They have FAILED reportedly to prove I am the owner of this debt and have failed to provide their investigation process on how they came to this conclusion. I don't believe this matter is being legally investigated. They have also failed to respond to CFPB and provide an update. They are deliberately replying ONLY upon the initial complaint from CFPB but will provide their " findings '' directly to me with NO legal stance which I believe they are purposely stalling. This concern needs to be escalated with the CFPB and XXXX. 

XXXX XXXX ( The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. )

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 2023-07-28
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: LEXISNEXIS

Complaint:
Hello, I have requested my consumer report from lexus nexus on XXXX, XXXX, XXXX and now again on XXXX. I have not been able to receive that report, I have called and suspiciously they are asking me what i would like to dispute on my report. I am not going give them that information until I have a copy in my hands. I wont provide that information they can make changes to the incorrect data to say they are reporting correctly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.

Complaint:
I received a copy of my credit report and am disputing Several addresses some which I have not resided at, and I was also a victim of fraud. I am requesting these addresses be deleted. I have highlighted these addresses and I am disputing these items. I have attached the police and fraud report. The reasons why these items should be deleted are inaccurate information due to fraud, my identity has been compromised. Please remove the following : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GLA Collection Company, Inc.

Complaint:
I have sent several letters asking this company to verify my debt and they have yet to send over any documentation showing that said debt. They continue to report this debt to the credit reporting agencies which is damaging my credit. I have the right due to the Fair Credit Reporting Act to request this information and be provided with it in a timely manner. If they fail to do so they should immediately have this taken off my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
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:
submitted a method of verification request on XX/XX/2019. Received no response. I followed up again on XX/XX/2019, allowing the company another until XX/XX/2019 to respond. To date XX/XX/19 I have received no response regarding the method of verification. Instead of returning method of verification information transunion responded with new credit report dated XX/XX/19 # XXXX stating that item is accurate. Their evasive actions in violation of the FCRA guidlines which was 15 days of receipt to supply information.

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 2022-08-05
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, ACCOUNT # XXXX XXXX XXXX, ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX, HAS VIOLATED MY RIGHTS 15 USC 1681 SECTION 602 8 STATES THAT I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 2 ALSO SRATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH MY 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 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.

Complaint:
I was never given an option for an income based payment plan. I was forced into default and forfeited several years of tax returns on top of bad credit because of my inability to pay an amount that I could afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.

Complaint:
I DO NOT OWE THIS DEBT. IT WAS INCLUDED IN MY BANKRUPTCY WHICH WAS ALREADY DISCHARGED. ATTACHED, YOU WILL FIND A COPY OF MY BANKRUPTCY DISCHARGE 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 2020-01-14
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 — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P.

Complaint:
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
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: EQUIFAX, 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. 
Account name : XXXX XXXX Account number : XXXX Account name : XXXX  XXXX XXXX Account name : collection. 

Account name : XXXX  XXXX Account name : XXXX / paid off account. 

Account name : XXXX XXXX Account XXXX : XXXX / XXXX missing payment and repo, the account is open and paid on time. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : 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 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 response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.

Complaint:
On XX/XX/XXXX I deposited a check from my grandfather in the amount of {$1000.00}. He sent this money to help me as I am a single mother who has been laid off due to Corona. The check was put on hold, with out {$200.00} rule being observed. The check has posted to my grandfather 's account as of XX/XX/XXXX. The funds are on hold until XX/XX/XXXX despite having already cleared. These funds are desperately needed, and even though the check has been cleared, the bank is still hold guaranteed funds. I have received no help, in even getting the first {$200.00} made available as per reg. Cc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: United Revenue Corporation

Complaint:
This company is claiming that I owe a debt, but I have never had a relationship with UNITED REVENUE CORP . They are illegally reporting XXXX incorrect accounts to XXXX, and this is affecting me tremendously. I sent the first letter on XX/XX/22, and the second letter on XX/XX/22 requesting validation, but this request fell on deaf ears, yet it is still on my credit report. I am under the impression that both XXXX and UNITED REVENUE CORP received my letter because my credit report notes that it was in a dispute. My question is why have I yet to receive any validation of this account? Also, the balance is not the same balance I have with the original creditor, so I am confused as to why this company is saying that I owe the stated balance on my credit report. Due to the fact that you've not legally verified this account and have allowed for incorrect and possibly fraudulent information to continue reporting on my credit file, you are required to remove this account immediately from my credit report. This is violating so many FCRA and FDCPA requirements. Also, both XXXX and United Revenue Corp are in violation of HIPAA. I never gave consent to the original creditor to share any medical information. If I am forced to take this to court and hire an attorney, I will be seeking {$2000.00} per violation. I will attach the letter that was sent 3 months ago. You will also see the mailed date and time stamp on the letter. Please investigate once again and remove these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
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: Experian Information Solutions Inc.

Complaint:
To whom this may concern : The following account are unverifiable, inaccurate and reporting them on my credit report is a violation of my rights according to the FCRA. 

1 ) 1 ) XXXX XXXX  Account number XXXX XXXX XXXX XXXX 2 ) ) XXXX XXXX XXXX XXXX 
Account number XXXX 3 ) ) XXXX XXXXXXXX XXXX Account numberXXXX I have tried multiple times to resolve this issue with this credit bureau and they continue to violate my rights. 
I have asked for them to remove the accounts listed above because they can not provide me with any proof bearing my signature making me responsible for these accounts. Therefore, making these accounts unverifiable according to FCRA.

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 2021-02-26
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:
On XX/XX/21 I sent a letter regarding inaccurate and misleading items on my credit report. As of today, over XXXX days later, I have not gotten a response regarding the items I have disputed. In accordance with the Fair Credit Reporting Act XXXX XXXX A ( XXXX XXXX. XXXX ) it clearly states a failure to investigate these items within XXXX days gives a reason to immediately remove these items from my credit report. I demand these items be removed promptly in accordance with the law. My information was also impacted by the Equifax data breach and could have fallen into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.

Complaint:
On XX/XX/XXXX, at approx. XXXX EST, I received a phone call from XXXX -- an employee of Paramount Recovery Services . The employee would not give her name. She stated I had a medical debt from XX/XX/XXXX and I needed to verify my personal information. I told her I was not comfortable giving her my personal information ; however, somehow she knew my personal information, including the last four digital of  my SSN. I immediately hung up the phone as I do not have an outstanding medical bill and my credit report does not reflect this six year debt they claim I have.

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