hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2017-05-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC

Complaint:
XXXX XXXX, 2017 - Received unwanted robo call from XXXX at XXXX:XXXX XXXX and I returned the call at XXXX The robo call says if we want to get a paid in full report, press 1, if we want to stop calls to this number press 2 and enter your number, or to speak to a customer service agent press 4. I did n't press a number, but then was connected to a representative representing " ERC '' who said that he was on a recorded line and asked me if I was " XXXX XXXX ''. I said no, how did they get my number? ... then the representative hung up on me.
I am registered with the National Do Not Call Registry. I would like the company to refund me the cost of wasting my time {$200.00} or the penalty under the Do Not Call Registry, at their option.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
After looking at all of my credit reports i noticed accounts that i didnt recognize, i have had my information compromised a while back and i think some information has been falsely used. Please remove the following account and account number from my report. 

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 2022-07-06
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: Early Warning Services, LLC

Complaint:
I received a copy of my consumer report and found the following item ( s ) to be in error : I have never even owned a XXXX XXXX XXXX account '' and I currently am a member of XXXX XXXX not sure why this is showing negatively on here Contributor : XXXX XXXX Contribution Ref # : XXXX Account # : XXXX Bank Routing # : XXXX Incident Date : XX/XX/XXXX Principal Loss : {$100.00} Paid/UnPaid/Settled : Paid Contribution Reason : Account Abuse Bank Routing # : XXXX Account # : XXXX Return Transactions Bank Name : XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed-Purged Previous Account Status : Closed Date of Last Status Change : XX/XX/XXXX Bank Name : XXXX XXXX XXXXXXXX XXXX  Bank Routing XXXX XXXX XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Consumer Removed Date : XX/XX/XXXX Current Account Status : Savings Closed For Cause Bank Name : XXXX XXXXXXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Savings Closed-Purged Previous Account Status : Savings Closed Date of Last Status Change : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account XXXX XXXX XXXX Open Date : XX/XX/XXXX Current Account Status : Savings Post No Debits Bank Name : XXXXXXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Consumer Removed Date : XX/XX/XXXX Current Account Status : Closed-Purged Previous Account Status : Closed Date of Last Status Change : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: D2 Management LLC

Complaint:
I received a call from XXXX on my cell phone at XXXX XXXX on XX/XX/17 but they did not leave a message. I called the number back. The person that answered the phone did not identify the name of the company. I told her that received a call from this number and wanted to know why. I had to ask for the name of the company was was calling from. She then precede to look up information by using my cell phone number. She confirmed was my name and last four digits of my social security number. After i stated yes, she went on to say that I owe a debt to XXXX XXXX. I told her there was be a mistake. She said no and when on to say I owned approximately {$600.00} and what employer I put down at the time of the loan. I have n't worked for that employer in over 10 years so if that is the case they are attempting to collect on a debt that is over the statue of limitation. Also, she refused to provide me with any type of verification of debt. She responded that something was already sent. I do n't know how this is possible when this is the first time I 've spoken to anyone at the company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.

Complaint:
I have attached an FTC report with inquiries I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
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:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Transunion credit bureau has decreased my credit score by a total of XXXX points within the past 2 months on XX/XX/XXXX ( XXXX points ) and XX/XX/XXXX ( XXXX points ) which was unwarranted, without any credible reasoning and/or excessive drop in FICO score with the the intent to negatively impact my financial credibility and over all opportunities with the benefits of lower interest rates. These practices are unlawful, unethical and unfair practices of Transunion credit reporting agency.

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 2017-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
In deciding the outcome of a dispute Bank of American took {$75.00} out of my account triggering consumer protections under regulation E of the CFPB. 

Bank of America has adhered to none of those provisions in this incidence and with the activation of the 5 business day window of being required to honor most incoming charges it would have otherwise honored, it has demonstrated a purposeful disregard for the law. 

Moreover when management XXXX XXXX in Arkansas ) has been confronted with their lack of compliance they plead ignorance. 

In their current, active, and continuing illegal denial of legitimate incoming charges including those from XXXX, XXXX, XXXX, and XXXX Bank of American has caused me injury. 

This is an immediate problem causing me injury now and yet again when confronted, BOA management suggested I write a postal service letter. 

Rights delayed are rights denied and I request immediate and remedial action to fix the problems BOAs reckless disregard for the provisions of regulation E has caused.

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 2023-06-29
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-09
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC

Complaint:
I have asked Enhanced Recovery to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.

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 2017-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I tried to log into my account with Capital One for my credit card to view my transactions. I was directed to a screed to verify my contact phones, email and then the 3rd box I am asked to disclose my income and employment status. The information is mandatory and would not let me bypass. I called customer service and then escalated to a supervisor. No one could provide me the information I asked for which was under what authority, or requirement was this " bullying " tactic imposed on my account. I was told they wanted this information for offers and/or limit increases. I would agree this information should be provided if I asked for an increase, but I did not! 

I have never received a notice disclosing I would be required to disclose this information on an ongoing basis! I have had this card for 15 years or more. This is the second time I have run into this type of practice by a bank/credit card company. This should not be imposed on the consumer when we have been forced to online activity by banks and then they force the consumer to disclose what ever information they are seeking or deny access to your account which includes paying your bill! 

I am upset enough I will look for another company and close this account, but the real issue with this is this affects the consumers credit rating. In my case this card has a high limit, I have had for 17 years and in good standing. Closing this card will lower my credit score! I would rather bury my money and never have to deal with banks again, the login, fraud, breaches, the extreme hassle of calling for access, the wait times ... Oh what a joy!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: American Collection Systems, Inc.

Complaint:
The number I called above they told me they do n't have my case at there office. I tried contacting the medical center and they told me to contact the debt collector. I made two payments but they do n't reflect on my credit report and the amount is not accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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:
On XX/XX/22 I sent in letters to have incorrect information removed from my credit profile.

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 2019-01-20
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: AMERICAN EXPRESS COMPANY

Complaint:
In XX/XX/2018, I responded to a public offer from American Express Ascend ( which also appeared on my account home page ) to receive XXXX bonus XXXX XXXX points, and applied for the card and received the credit card. In XX/XX/2018, I received a statement for the required {$95.00} fee for the use of the card and paid that amount by ACH. Additionally, I charged {$2000.00} on the card in XX/XX/2018 for which I was billed in early XX/XX/2018 ( and paid the that full amount via ACH in XX/XX/2018 ). -- for which I was supposed to have received a total of XXXX XXXX XXXX Points in my XXXX XXXX Account as per their offer. The total amount of XXXX XXXX Points owed to me is : XXXX. Twice I have contacted both American Express and XXXX XXXX regarding this issue and have received no response except that American Express referred me to XXXX XXXX for problem resolution. The XXXX points from their offer have not appeared in my account to this date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15
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:
Hello, I have disputed, called and wrote /mailed all 3 credit companies XXXX XXXX Equifax XXXX XXXX XXXX the personal information that listed I have sent in proof of my identity & actually address to all 3 but they are not updating my credit reports correctly my correct name is XXXX XXXX XXXX XXXX my correct and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX my employer is XXXX XXXX XXXX XXXX XXXX my correct and only phone number is ( XXXX ) XXXX I would like for all other personal information listed on all 3 reports permanently removed immediately and if not removed then they should pay {$1000.00} per incorrect information listed, thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc

Complaint:
Friday XX/XX/XXXX, I discovered my accounts were frozen. I called to verify why my accounts were froze and what I needed to do to unfreeze them. Chime told me to email countless documents to support for suspicious activity. Ive sent them every document asked of me. I was told the company would respond to my emails in 24-48 hours. It has been 3 days no response. Every representative tell me something different. I just want access to my money. I have no had access in three days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
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 I recently just found out that I have two student loans reports on my credit and I have never been to school. I got a student loan before.

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 2023-07-15
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: EQUIFAX, INC.

Complaint:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP

Complaint:
On XX/XX/XXXX I ordered a e-scooter from XXXX for {$2600.00} this was to be shipped on a cargo ship that took two months to arrive two weeks after I ordered this I received an email from XXXX indicating that my delivery is completed and signed for please leave a review for this product this product hasn't even been shipped yet so I filed a dispute for that amount The case was held open for over 60 days and the item did not arrive to me so you closed the case in my favor thank you I appreciate that a week later the product arrived at my home in a large crate heavy beautiful undamaged I would like the merchant to get paid {$2600.00} I called XXXX card member services the following day they said they would release payment in 3 to 5 days it's been about a month I called seven times I messaged on the app to no response everybody just leaves notes on a closed case file and nobody can process this payment to XXXX as I requested seven times I just hung up the phone with the supervisor nobody can provide me with a processor 's phone number the best they can do is leave a message for the processor to call me back in several days and I am unable to speak on the phone when I am working this is a huge embarrassment and I'm ready to change credit cards because of this situation please pay the merchant as I requested over and over and over and over before the poor XXXX salesperson loses his job because you can not pay them as I requested many many many times.

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 2023-04-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Atlanticus Services Corporation

Complaint:
Nonstop calls from different numbers, all hours, saying my credit will be damaged, Ill be held a penalty. Asked to stop contacting me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2019-06-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc.

Complaint:
They have been calling my cell phone and work number constantly, I've asked them to stop and blocked their numbers but they keep calling from different numbers, even at work. They have been calling and speaking with coworkers and constantly calling my work number which I'm not even at. 

The name I was given was XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mountain Run Solutions, LLC

Complaint:
XXXX. CFPB XXXX XXXX XXXX & XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shall cease and desist all communications with the consumer, through all mediums of communication including the credit report. Also, do not engage in any conduct or communication to harass, oppress, or to abuse me, the consumer. 

Acc CFPB 12 CFR 1006.34, I am requesting validation of this debt. I am also requesting all the information in the 12 CFR 1006.34 Notice of Validation section. Please provide me with the debt collector communication disclosure which is clear and conspicuous. 

You are using false and deceptive practices, and abusing, harassing and oppressing me to collect on an assumed debt.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation