hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2018-04-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
Experian, XXXX and XXXX after dispute for re-aging of account, XXXX XXXX XXXX # XXXX are allowing the re-aging of this account to continue.The date of 1st delinquency on Experian is XX/XX/XXXX.on XXXX and XXXX  IT IS XX/XX/XXXX.The ORIGINAL creditor is XXXX XXXX XXXX XXXX who provided ambulance service on XX/XX/XXXX, on XXXX.The date of service for the charge and the dates of first delinquency are two years apart.The Fair Credit Reporting Act requires accurate, clear and complete reporting.Multiple disputes with the bureaus are quickly " verified '' falsely.The tool of re-aging is a damaging and illegal tool not permitted with statutory damages attached for collector and bureau.I 'm entitled to accurate reporting by 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
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
Over the years trying to pay my credit card bill with Capital One has been a nightmare. Previously, i tried to make payments for which they said were return but my bank doesn't have a record of the ach transaction. Due to capital one stating they never got the payment i started using a debit card. I had trouble using my card on the website in XXXX and i received a late fee and i sent a payment in in XXXX due to my debit card being stolen and they said they didn't receive that. I can not remove the old card from there website and they said if i made a payment with them my debit card number would replace the old number and i could go ahead and pay the remainder of the bill. I went online the old card is still in there system and i can't remove or edit the account number. Capital one is forcing customers to keep account numbers on their profile. This account is no longer valid. I called in and spoke to XXXX who yelled and was not helpful and said the back office refused to review any calls pertaining to this matter. I would like all the fees associated with this issue to be credited back to the account so i can pay my bill off and not have an issue every month trying to pay this bill.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-08
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: Avant Holding Company, Inc.

Complaint:
I got an alter from XXXX XXXX on XX/XX/2022 that a new inquiry was made on XX/XX/2022 at WEBBANK/AVANT LLC . I called WEBBANK/AVANT on or about XX/XX/2022 to get more information and they said that an application for a loan had been made. they said that they stopped the loan application and sent me notice to make a formal complaint at this website. I believe that the loan was for the amount of {$50000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
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:
I logged into my Experian account to check my credit report when I noticed some inquires that I did not authorize and I tried to dispute them online but the only option was to call a toll free number. So I did. The representative that I had XXXX, told me that I can not dispute inquiries. I can only call the merchant and hope that they remove them. This information on my report is not right and the company reporting it is allowing false information to circulate without any help to fix the situation. I asked to speak to a supervisor and XXXX refused me leaving this as my only option to get some help in getting this resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint:
XXXXXXXX XXXX XXXX  Account Number : XXXX I am a victim of identity theft this is not my credit account. 

XXXX XXXX Account XXXX : XXXX I am a victim of identity theft this is not my credit account. 

XXXX XXXX Account XXXX : XXXX I am a victim of identity theft this is not my account. 

Employers : XXXX I am a victim of identity theft this has never been my employer. 

Also Known As : XXXX XXXX I am a victim of identity theft this is not my name. 

Employers : XXXX XXXX XXXX XXXX  XXXX am a victim of identity theft this has never been my employer. 
XXXX XXXX XXXX XXXX TX XXXX I am a victim of identity theft this has never been my address.

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 2016-10-06
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: GMA Investments, LLC

Complaint:
I have been dealing with Summit Receivables for almost a year now. They claim I owe on an online payday loan. I have requested proof of the debt two or three times. I did have some debt so I took their word for it and set up payments. They would only take payments by me giving them my account information and making automatic deductions. Immediately I had issues with them taking payments at times that were not agreed on. I have tried to work with them several different times. I would not set up any more payments with them until I receive proof of debt. As of last month, they attempted to pull funds from my account XXXX different times, even though I have not given them permission to access my account. I have been told different things in regards to proof of debt. At first, they said they do not send anything through the mail, only email and then later said the account states I have been mailed proof. I did receive an email giving me their business license. I have never received anything in regards to the actual debt. If this is a legitimate debt, I 'm sure payments have been applied and it seems I should have a right to know what that account looks like. I 've asked them to not call me at work as I am not allowed to take personal calls at work. They have continued to call me over the months at my job. Today I received a call at work telling me that I owe money. When I explained the situation, I was told because I have made payments, I do not have the right to receive proof of debt. I was also told that my employer would be contacted. The representative was very rude when I asked for my right to receive proof and reminded him that my account should be noted that I have asked to not be called at work. He said he was turning it in as a " failure to comply '' and to expect a lawsuit. He also claimed they have called my phone several times but I have not received any messages from them in a few months. I have paid off debt with other agencies and I have never dealt with anything like this. I have looked them up and they seem to be a real company but their practices are very questionable and seem to disregard my rights time after time. I filed a complaint with the XXXX several months ago and they would never respond to my actual complaint of them disregarding my rights. Instead they responded saying they would stop contact on XXXX of the loans. They claim to have XXXX separate loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.

Complaint:
Trying to connect my PNC account connected to XXXX, There has been problems in the past connecting to other third party apps like XXXX, XXXX. ETC

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.

Complaint:
My student loan is currently with Navient and I have field 2 previous complaints for past dues fees when I was making my payments on time. This month I finally get a statement with no past due charges but my monthly payment when my {$390.00} to {$410.00} with no explanation as to why. This company is dishonest but I also believe these complaints will resolve nothing since you close them out based on the answer you get from Navient. This company has multiple lawsuits filed against but they are allowed to manages student loans and O would like an answer from you as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.

Complaint:
I have gotten my credit report an it has many incorrect items on it. I have contacted the credit reporting agency and requested that it validated and they should send me the information on how it was validated. They have constantly ignored my request and have yet to send me any information I asked for.

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 2017-06-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: United PanAm Financial Corp.

Complaint:
On XX/XX/XXXX I attempted to make a monthly car payment on the companies website. I received an error message that the payment could not be processed and to try again. I did, and received a confirmation number. Two days later I reviewed my bank account and discovered TWO payments had been processed for the monthly payment of {$460.00}. I immediately contacted the company ( United Auto Credit ). I was advised that the rep would open a request to have the funds returned, and that it would take 10-15 days. She stated the error may have been caused because the payment was made as the date shifted from the XXXX to the XXXX during the transaction because it was late at night. I waited a week and called again. The rep then tells me I have to submit documentation showing the double payment and then wait and additional 10 to 15 days. She also advised me to speed up the process I could contact my bank and list the payment as unauthorized. I did this the next day and the funds were returned to my account. The next morning, however, my bank contacted me and advised me that the XXXX was again withdrawn o n XXXX and listed a an " untimely return ''. I again contacted UAC and was told that I still had to submit forms for the return and that it would be mailed out in check form once cash management signed of on it, but I had to hurry because they only send checks out on the XXXX and the XXXX of each month. I called again today on XXXX and there is no update, each time I call, I am told the person I need to speak with is unavailable. These funds were crucial to paying my bills and it has caused me great financial hardship trying to replace these funds. I have also included a copy of the email sent to the supervisor I was told was in charge of resolving this matter, I still have yet to receive any response.

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 2018-01-08
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY

Complaint:
Wells Fargo dealer services keeps reporting an account that is very old from 2006 andhas already been settled!

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 2017-10-19
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA

Complaint:
Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclose copies of my requests to the companies, asking them to validate my debts, and the receipts showing that I sent these letter certified signature request. You will see in my letters dated XXXX XXXX XXXX and XXXX XXXX XXXX that I have repeatedly made these offers. Fed loan Servicing on every occasion has either overlooked or ignored my requests to exercise equity in redemption and by refusing to acknowledge that right they have refused to accept payment in the process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.

Complaint:
In regard to my complaint with CFPB XXXX, the XXXX XXXX XXXX provided an inaccurate and incomplete documentation Validating the debt they claim that I owe on behalf of XXXX. They failed to provide the details of either items or services or any other proofs like delivery receipts with my signatures. Therefore, the documental evidence they submitted is incomplete or inaccurate. I do not recall to the best of my knowledge, that I purchased any items or services from XXXX that i have not fully paid. Furthermore, I am not present at the address since XX/XX/2019, as I am out of XXXX for my XXXX XXXX. I am enclosing their submitted validation document which is incomplete and in accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12
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 — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)

Complaint:
On XX/XX/2023 I sent a dispute to Chexsystems regarding some errors I discovered on my report. They came back today, a day after I submitted my dispute saying the investigation was frivolous and won't investigate. That I need to tell them what's wrong in the report. This is not my job. They're job is to make sure ALL THE INFORMATION ON MY REPORT IS XXXX XXXX ACCURATE. Reporting inaccurate information is a violation of my rights. 

I demand the following account to be investigated and verified. If not, it has to be delete immediately from my report. 

Source : XXXX XXXX XXXX XXXX XXXX : Transactions involving POSSIBLY altered items or checks. 
Reported name : XXXX XXXX ( NOT MY NAME ) Reported address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( NOT MY ADDRESS ) Alleged Charge Off Amount : {$1900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2019-04-04
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 received my credit report on XX/XX/2019 and immediately saw multiple items that were not mine being reported on my credit report. On XX/XX/2019 I sent in a letter to the credit bureau stating that I am asking for the original signed, consumer contract with my signature on it ; otherwise anyone paying for your reporting services could mail, fax or email in a fraudulent account. 
On XX/XX/2019 Experian stated in audio during a phone conversation and in written form that the debt was validated based on Name, Date of Birth, social security number, and account number. If I am telling you that I am a victim of identity theft, anyone can open an account in my name, using my information. Experian did not send me any proof ( original signed, consumer contract with my signature on it ) for any of the negatively reported items on my 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 2021-12-03
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: W&A Intermediate Co., LLC

Complaint:
Wakefield and Associates mailed me a debt collection letter dated XX/XX/2023. The letter states there are two debts owed to XXXX XXXX XXXX, XXXX in the amounts of {$610.00} and {$23.00}. I have no knowledge of this company! I have never had any business, dealing, transactions of any kind with this company. This debt is not real. Looking online, this seems to be a know scam. Wakefield and Associates, along with XXXX XXXX XXXX are trying to scam money from me!

Company response to consumer: Closed with explanation