hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I am having a serious problem with XXXX XXXX every time I send a dispute out regarding accuracy of account they retaliate and put a charge off on my account for that month of the dispute they put one on my account for the month of XX/XX/XXXX and another charger off for the month of XX/XX/XXXX this account has been closed for three years. I do have a small balance on the account and they keep updating with a charge of ding. This charger off update reflect on my credit as an actual charge off currently for that month not the original charge off and closing date which was three years ago this is seriously affecting my credit. I believe they are in violation of FCR rule 609 and 623. They are update my account with a " Charge off '' and it reports as a Recent Charge off this is NOT ACCURATE AND VERY MISLEADING on my credit report. XXXX is using the right to update clause to report negative and inaccurate Charge off dates monthly as RETALIATION for my disputes. First they added a negative remark " Bad Credit '' and then a " Fail to Pay '' and " Charge Off ''. My Acct. was close XX/XX/XXXX. i am paying off my debt with XXXX debt regularly directly to them. My balance is {$250.00}. Which will be paid off soon.I wish to file a complaint regarding accuracy of the Charge off date reporting on my credit report and the RETALIATORY effort by XXXX XXXX to purposefully XXXX character through negative reporting to the credit bureaus.

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 2020-03-18
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:
These are not my accounts, and there are names that I don't recognize on my personal profile. Please remove them immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
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:
Not my accounts reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.

Complaint:
I was laid off during the pandemic. Late payments were Not suppose to be reported during this time companies were suppose to offer forms of relief l. However certain companies such as XXXX XXXX stated you needed to be 90 days late before the could offer relief and then went and reported those 90 days late. When I was a victim of unauthorized credit card usage and and fraudulent charges the companies still allow these charges even after I gave them the police report and statements from XXXX confirming that my account was being used in XXXX I live in XXXX. The companies offered no form of relief and just continuously harassed for payments and balance due when it was proven the charges were not authorized and caused by online purchases through and XXXX hack. So for Experian, XXXX XXXX and XXXX to report this that would now deem this a case of defamation of character by color of law.. it is deceiving this needs to be corrected and I have gone over and beyond through their dispute process and tried calling but no one gets through the number listed.

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 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.

Complaint:
Ive received my most current lexis nexis report dated XX/XX/2022. 

THERE ARE XXXX BANKRUPTCIES IN MY REPORT. 

THE CREDIT BUREAU KEEPS SHOWING THERE IS XXXX. 

THIS NEEDS TO BE FIXED IMMEDIATELY. 

Ive already attached the report to my complaint I have with the XXXX Attorney XXXX XXXX Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
I have received conflicting information from representatives regarding the companies method of communication as well as the alleged issues with my payment. 

They have denied the removal of a 30 day late report, although their representative, who I initiated contact with, verified the details of my online account payments, processed payments with the SAME information and ensured me that the company would not be reporting the payment late. 

However, the payment was reported late. 

Additionally, I have received information from the company on 4 separate phone calls which communicated that all of my correspondences were only to come via USPS. Then yesterday, I received an email that stated phone call attempts were made. After reviewing that email, I spoke with a representative who stated that ALL communications to me as the customer are via USPS.

I am receiving nearly robotic responses and their investigation has not delved into the detail nor taken their untimely method of communicating that there was an issue with the payment into consideration. Not even an email. Amidst this payment period of XXXX, I was violently carjacked in DC and was relegated there until my vehicle was recovered and processed. Upon returning home, I initiated contact with Cross Country after checking my account for fraud because all of my credit cards and ID were taken and when I gained access to my account, I noticed the payment which had been made 5 days after the robbery, still had not debuted my account. This is the aforementioned call in which the rep told me that the No Account Information found was not my fault.

I regard the untimely communication and the misinformation provided not to be aligned with the companies FCRA requirements. But more importantly, the sheer lack of compassion for me as a XXXX, female combat veteran and a customer is unacceptable. 

All documentation which was just reviewed today, was said to be substandard, because technically the payment was received during the month of XXXX. 

I will contact Veteran Affairs, my congressman and their companies leadership in short order. Primarily because of the conflicting information, such as we called you three times versus we only mail you communication. 

We will reverse the late payment and place it to the principal and then we wont. 

Youre routing number was entered incorrectly but we can tell you the routing number versus we have the same info lets hope this goes through, it wont be reported late and then it is. 

These are not good faith practices and the fact that they would sully my credit history is astounding. 

I am humbly requesting the removal of their late payment and acknowledgment of the conflicting information that k have received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch

Complaint:
My interest is 9.99 % yearly for a total amount of {$6900.00} through Castle Credit. My statements show that I am paying more than 10 % in interest. Please see below. I show two different amounts for the interest charge in my statements. I spoke with Castle Credit but they were unable to clarify. Every statement since I open the account in XX/XX/2022 show different and incorrect amounts of interest charged. In XX/XX/2022, Castle Credit charged {$88.00} in interest and only {$2.00} was applied to my principal debt. 

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 2018-06-09
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.

Complaint:
I was charged {$100.00} for recovery of my contents in safe deposit box # XXXX by Chase Bank # XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. 
Date : XX/XX/XXXX Contact : XXXX XXXX Contents were scheduled for pick up on XX/XX/XXXX but contents were never provided.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX ( Original Creditor : 06 XXXX  ) XXXX XXXX  XXXX ( Original Creditor : XXXX  XXXX  XXXX  ) XXXX  ( Original Creditor : 01 XXXX XXXX XXXX  AND XXXX XXXX  ) XXXX  ( Original Creditor : XXXX  XXXX  XXXX  ) XXXX  XXXX  XXXX  XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc.

Complaint:
In XX/XX/XXXX I had a debt for XXXX that was old to a collection agency ( XXXX XXXX XXXX ). I seen it on my credit reports for {$320.00}. They reduced it down {$64.00} and I settled with them and paid {$250.00} XXXX/XXXX/XXXX. They updated my credit reports and showed I paid it leaving a {$0.00} balance. Now XXXX/XXXX/XXXX XXXX illegally reopened that same account selling it to a new collection agency ICSystem saying I owed {$64.00}. I spoke to cox and both collection agencies. XXXX XXXX shows I paid it and sent proof to XXXX who then sent proof to ICSystems XXXX/XXXX/XXXX and I requested it be deleted from all XXXX credit reports and while it was being investigated for it to be put on hold. I also filed a dispute with XXXX earlier that week. ICSystem finally deleted it off of XXXX but illegally reported it again the following day to XXXX and XXXX and has yet to delete it off even though they are aware it was not a debt I owed. I had paid it XXXX/XXXX/XXXX. They also are reporting this debt 3-4 times a month ( once a week ) damaging my score as much as possible. They have refused to delete it off of all XXXX credit reports knowing that it is not a valid debt and after cox has told them to remove it.

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 2018-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA

Complaint:
My loans are serviced through XXXX XXXX. I have been in the IBR/IDR program for years and have kept my account current. AES contacted me as they do every year and stated I had to renew my IBR program. I sent in the form and paystubs over a month ago. I feel that they are intentionally delaying my right to reduce my payments under this law of this program. I have sent my paperwork in several times and they keep denying it due to additional documentation needed. I've sent my paystubs 3 times in the last six weeks to get this resolved. I've sent in several emails including this one today to AES which states the following : I have been trying to get my IBR/IDR case processed through you company for over a month. The last letter I received says you denied it because you don't have all the documentation. I have sent over my paystubs which displays I can not afford a $ XXXX  monthly payment and I have a XXXX dependent in my household. I take care of me and my daughter. I am a single mom. I feel like you are intentionally delaying this process and therefore, I am going to put in a complaint with the government regarding your company. You are not allowing me to exercise my right to reduce my student loan payments due to income. Once again today, I have sent over my IDR form and my paystubs. There is no other documentation to provide you. I am not married. I have been in this program for years and it is very ironic that you are delaying my right to reduce my payments all of sudden. I would like a supervisor to contact me to get this resolved or I will be moving my loans over to another company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-27
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: Conn's, Inc.

Complaint:
I applied on Conn 's website only to see if I would pre-qualify by filling out the short form pre-qualify application, it cleared stated in bold yellow writing " the application wouldn't impact to lower your score ''! I hit the submit, to see if I would pre-qualify, it gave me offer for up to {$4000.00}. So I still assume it was a soft pull because it awarded me up to {$4000.00} not a definite credit line of {$4000.00}. I was unaware until the next morning on XX/XX/2020 when a sales rep named XXXX called me to inform me on the new credit line. I quoted to her the same thing that I didn't complete a application for a new line of credit, it was to a pre-qualification to see if I would qualify, that I was looking but wasn't ready sure if I was going to make purchases at Conn 's, especially when I didn't complete a application to run my credit for a hard pull, and the offer is only good for 30 days unlike any other line of credit or store credit, then you'll have to do another application for credit.Then I checked my credit monitoring it indeed was a hard pull, and my score was dropped as a results of this unauthorized action. Conn 's is the appropriate name for their business, plenty of consumers have gotten suckered by what happened to be a soft credit pull on their pre-qualify site, please check the internet for the reviews I'm one of many that this has happened to, it needs to be stopped by the federal government agency immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.

Complaint:
In accordance with the Fair Credit Reporting act, XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX  XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX has violated my rights XXXX has violated my rights XXXXXXXX has violated my rights XXXX has violated my rights XXXX XXXX has violated my rights XXXX has violated my rights XXXX XXXX XXXX  has violated my rights XXXX XXXX has violated my rights XXXX has violated my rights XXXX XXXX has violated my rights XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX  has violated my rights XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX has violated my rights XXXX card has violated my XXXX XXXX ser has violated my rights XXXX has violated my rights Workers credit union has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AR Resources, Inc.

Complaint:
XX/XX/2016 {$360.00} I have no knowledge of this account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.

Complaint:
the account XXXX for XXXX is unknown to me, also the the account XXXX XXXX XXXX is clear violation of 104-91 HIPPA since there can be no permissible business purpose in divulging protected health information to anyone on an account once there is no longer any payment due. In addition the new XXXX XXXX XXXX states : when patients pay out of pocket in full, they can instruct their provider to refrain from sharing information. This letter serves as that instruction.

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 2021-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.

Complaint:
Billing Dispute XXXX Citicards, XXXX XXXX XXXX XXXX XX/XX/2021 I filed a dispute for a charge of {$200.00} that XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 that I did not authorize. The merchant refused to reschedule my appointment and unilaterally charged me {$200.00} in a day when New York XXXX authorities had banned all transportation due to a declared state of emergency provoked by a violent tropical storm. On XX/XX/XXXX I received a letter from the Dispute Center at Citicards asking me to submit additional information and to sign a legal document stating that I did not authorize the charge. I did so in an email containing additional information and also attached the form with my signature, sent on XX/XX/XXXX. I am attaching that email too. They acknowledged receipt of my email and the signed form on XX/XX/XXXX. 
On XX/XX/XXXX I received another email from the Dispute Center stating that they submitted the information to the merchant and would get back to me within XXXX business days. That was the last time I heard from them. 
Since then, I have called to the Citicards Dispute Center several times. I only received vague responses about the investigation process. The merchant supposedly had until XX/XX/XXXX to respond. I was eventually told that the merchant never responded to the additional information I provided. I called XXXX times in the last XXXX weeks and the staff at the Dispute Center never offered an answer so as to why they have not resolved the dispute yet and could not even confirm if they had processed my email from XX/XX/XXXX and the signed form I sent. Needless to say, the time limits and deadlines to resolve the dispute have long passed. Please let me know if you can help me to get my credit card to respect my rights as a consumer and finally resolve this dispute.

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 2021-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services

Complaint:
Debt company, Viking Client Services, is stating that I owe an alleged debt in the amount of {$350.00}. This is completely false and they have reported this debt to credit bureaus. They have defamed my name and I am taking legal action. 

I sent Viking Client Services a Debt Validation Letter, Cease and Desist letter, an invoice for all violations, a copy of their mailed document with all of the violations listed, and a notarized Affidavit of Truth. They have yet to respond to my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY

Complaint:
A signed affidavit was sent and delivered to the CEO of the company, XXXX XXXX XXXX on XX/XX/2021 about an account and an alleged debt owed. There was a 5 business day time period to respond with an affidavit rebuttal pursuant to 15 U.S. Code 1681i ( 6 ) ( A ) due to past failure to comply. Without and affidavit response with rebuttal point for point you agree to fault judgment in the favor of interest of I the consumer, holder in due course, attorney, and administrator in fact as an unrebutted affidavit stands a truth in commerce.

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 2023-05-02
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation