hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-03-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC.

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, XXXX and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arcadia Holdings, LLC

Complaint:
On XX/XX/2018, I received a bill from XXXX XXXX ( Hospital of the University of XXXX ) for {$1100.00} for routine maternity laboratory tests, which should have been covered by my insurance provider, XXXX. 

I appealed this bill with XXXX and informed XXXX XXXX that I was appealing this bill with my insurance provider since it should have been covered under routine maternity care ( XXXX was provided a letter attesting to this by my XXXX doctor ). Even though I informed XXXX internal collections department that the charges were under an appeal process and provided them with a reference number for the appeal, XXXX XXXX sent the bill to collections. 

So I informed the collection company ( Arcadia Recovery Bureau ) in writing that the bill was under an appeal process within 30 days of receiving the bill from them. Arcadia responded stating that I should make the personal payment in full and request my insurance carrier to reimburse me directly. Again, this is a predatory business practice. A separate complaint has been filed against Arcadia Recovery. 

My insurance company XXXX responded to my appeal ( case ID XXXX ; Claim ID # XXXX ) and ultimately determined that I do not have to pay the bill since it was considered part of payment for other services. Despite this, I am being coerced to pay the bill by XXXX XXXX and Arcadia Recovery Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.

Complaint:
I mailed the Experian requests to validate the debt on XX/XX/XXXX on XXXX I received a printout of account transactions but I never received the correspondence I requested. Since the validation was not executed as requested within 30 days the Credit Reporting agency was supposed to remove the debt from my credit file but they didn't remove the negative accounts. According to the FCRC reporting invalid inaccurate information to my credit file is a violation. The non-validated inaccurate accounts were supposed to be removed.

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 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Hi there on XX/XX/2023 I was a victim of fraud on my personal banking and info I did all the measures required after the fact including contacting my credit bureaus to stick Fraud Alerts on my reports incase someone tried to pull my credit! 

So today XX/XX/XXXX I get an alert stating there was an inquiry on my XXXX XXXX via trans union for some XXXX financials! I IMMEDIATELY called the bureaus to deal with this matter - XXXX was not connected to it so I called transunion! I went through 6 different customer service reps who didnt take this seriously at all!!! The one actually laughed! 

They all told me it is what it is and I could go online fill out paper work and thats it! 

SO WHY DO WE HAVE CUSTOMER SERVICE AND WHY ISNT FRAUD TAKEN SERIOUSLY! So what now I wait months on feedback when someones is having fun trying to get loans, is this a XXXX XXXX  This is my personal Info someone has taken its extremely violating and TRANS UNION needs to deal with it in an URGENCY not fill out form will take a look at it when we can LIKE XXXX this should be taken care of immediately!! Ive never been so disgusted by customer service reps in my life! This isnt a joke or a laughing matter! Its my INFO AND someone is applying for thing nailing my credit and score!

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 2020-07-24
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiries : US SM BUS ADMIN ODA XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I applied for a Capital One Venture X credit card. I was denied, supposedly for too much credit. I called and asked what was the specific issue. The agent would not tell me. I had an ING Direct savings account back in the early 2000s. This is covered all over the internet as to be an issue that Cap1 does not like these customers. Hello, Cap1 bought ING Direct. I am also XXXX man with a husband, retired with substantial assets. There seems to be discrimination issues being practiced at Capital One Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2022-04-17
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  account # XXXX account # XXXX account # XXXX, is violating 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 also states a consumer reporting Agencey 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 2022-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.

Complaint:
I took out a small loan to pay some debt with CHASE AMAZON REWARDS. I paid {$1300.00} off. The entire balance. A week later they are still REVIEWING MY PAYMENT and I have no access to my credit. They said it WASN'T LIKE ME TO PAY THAT MUCH. IM BEING PUNISHED FOR PAYING OFF MY CARD. I WILL BE CLOSING THIS CARD.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WEBSTER BANK, NATIONAL ASSOCIATION

Complaint:
This has to do with the class action lawsuit against Webster bank several years ago, they had to pay back their customers because they were found guilty of putting through higher check amounts causing lower check amounts to become overdrawn, thereby costing the XXXX OD fee on more checks than if they had paid those. I never received my payment from them. I followed through with everything I had to do but still never received my payment. I can not afford an attorney to do this for me but I had a lot of months this happened to me, I know I'm due something, and right now I need every dime im owed. Thank you in advance for your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
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: EQUIFAX, INC.

Complaint:
The following accounts and inquires I had nothing to do with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Product: Credit 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: DISCOVER BANK

Complaint:
The company responded to the case that I had filed with CPFB and they provided false information. I did not accept all fraud charges as valid and only charges that were mine were valid. This is not done and I want them to actually help me solve this issue that has been going for a year and they have not resolved it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
XXXX XXXX XXXX sent certified letters in XXXX, XXXX, XXXX, and XXXX of XXXX about XXXX alleged bankruptcy that is listed on my profile. They just now got back to me about this month XX/XX/XXXX which was too long of response and they said it was verified through a third party XXXX XXXX and pacer but not the original source and did not do personal interviews. 

Also, I sent documentation showing the court did not verify and dates letters were sent. You were to do an audit on this, you will find as true and accurate. The court name is inaccurate, an attorney name does not exist is inaccurate and docket number, and also I asked how were you able to verify on pacer when it does not show full social security number, date of birth, and other personal 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 non-monetary relief
Consumer complaint received 2021-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
There are two XXXX accounts reporting on XXXX and XXXX that are not mine. I was not liable on either account and was only an authorized user. I've sent multiple letters to dispute this item directly and they have failed to remove it from my credit 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 2023-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY

Complaint:
I am including this website link to be included in my complaint against American express to substantiate my complaint claim. 

https : XXXX American express without my authorization and against my instructions charged me for an annual fee of {$690.00} after blocking my card use for several months fraudulently lying to me and harassing me ruining my credit score by XXXX points plus by excessive credit inquiries on me that other cardholders are not subject too especially their millionaire and billionaire cardholders. It is discrimination American express subjected myself a 100 % service connected XXXX Veteran to this double standard without my authorization and with interest charged me fees after fraudulent without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Ashton & Weinberg, Inc.

Complaint:
I received a call from Ashton and Weingberg XXXX and XXXX after having advised them to no longer call me unless they provide written verification of the debt they allege I owe. They have provided no verification and are still calling as of today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
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 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 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 2015-06-29
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Creditor's Collection Service, Inc.

Complaint:
Creditors Collection Service failed to provide the proper documentation as requested, proper VALIDATION has not been recieved pursuant to the Fair Debt Collection Practices Act. Creditors Collection Service has not provided me with competent evidence that show I have any legal obligation to pay them anything. Creditors Collection Service failed to respond to my validation request within 30 days from the date of receipt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.

Complaint:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.

Complaint:
On the XXXX of XXXX I called Chase to set up my account so that I could make payments. On the XXXX I discovered that all of the payments that I was making had been declined. when I called Chase the customer service person told me that the person who took my account number entered it in wrong and had one number missing. That day I continued to make payments as I swiped my card. When I was leaving for my flight to XXXX VA on XX/XX/XXXX, I discovered that my card was declined. When I called Chase they told me that they had closed my account due to payments being declined. Since then I Went back and forth with many customer service agents who were very rude. They would not answer my questions when I asked them why I was being punished for their error. I would almost understand why they closed my account if I had a payment, but at the time when they closed my account, I did not even have a minimum balance due. Each and every customer service agent was very rude to me. Sometimes telling me that I had to wait 3 days to talk to a supervisor and sometimes they would transfer me over. No one that I spoke with over the phone was able to give me an exact reason as to why my account was closed when it was their admitted error AND I have not received any notification that my account was closed or that my payments were invalid because they entered it in wrong. This is a horrible company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. 

How can a disputed be resolved if the customer disagrees, who resolved the disputed accounts, no reasonable procedure was performed it is a violation to my rights to claim that an accounts has been resolved if I didnt resolve it and its still reporting inaccurately. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed accounts below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 


Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$7000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$36000.00} XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXXXXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$7000.00} XXXXXXXX XXXX XXXX Balance : {$36000.00}

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 non-monetary relief