hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-08-22
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:
In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX ) has violated my rights, 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
To whom it may concern, I have a charge off from KOHLS DEPARTMENT STORE that is still listed on all of my credit reports. 

I called several times regarding this and was told by KOHLS DEPARTMENT STORE company this would be removed from my credit report. 

I just checked again today and currently XX/XX/XXXX and it is still showing up from ( KOHLS DEPARTMENT STORE ). I would like this updated and removed from all 3 credit report agencies ( XXXX XXXX, and XXXX )  as they had promised. 

Card Detail : KOHLS DEPARTMENT STORE Opened XX/XX/XXXX ( 6 yrs, 7 mos ) Closed XX/XX/XXXXThank you for your time, efforts, and assistance in having this removed, I am grateful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.

Complaint:
I'm trying to apply for a Mortgage/Home loan. While my lenders perform credit check, they come back stating that the credit history doesn't exists and few come back stating FICO doesn't exists. Request you to help me in adding my credit history/FICO 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 2023-07-25
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:
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-03-23
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Applied Business Services, Inc.

Complaint:
The company Applied Business Service at XXXX XXXX XXXX, XXXX, NC XXXX is in violation of the Fair Debt Collection Practices Act ( FDCPA ), by using false or misleading language in an effort to collect a debt not owed. I've never done business with them before and they don't have a contract with my signature on it. 

I've requested information from them previously and they've never gotten back with me with the required documents.

Company response to consumer: Untimely response
Consumer complaint received 2021-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I have noticed these fraudulent inquiries on my credit report. I have contacted Transunion and they have failed to respond as per the FCRA. Please help me since I am concerned this could hap [ pen again in the future.

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 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
I sent a letter on XX/XX/XXXX, to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., permission. 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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc

Complaint:
I called XXXX XXXX about a debt that was brought to my attention. They made the claim that I had an outstanding debt. They gave me the address and the information about the collection service. XXXX XXXX made the claim that they could not help me on the matter as they have sold off the account to the debt collector. I then proceeded to call Bull City Financial Solutions, which was the company that has the debt collection. The first thing Bull City Financial Solutions told me was that they did not buy the debt from XXXX XXXX when I told them verbatim what I was told from XXXX. They gave me more information and I told them I have never lived at the location that they claimed the account was for. I asked for the dates of service, which were from XX/XX/XXXX to XX/XX/XXXX, in which I was XXXX and still living with my mother while I was a student at XXXX XXXX College.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY

Complaint:
This complaint is about American Express ' ( AMEX ) Delta credit card. 

Background When buying a ticket on the XXXX XXXX website, the AMEX credit card is promoted promising a {$200.00} statement credit if customers apply for the AMEX card. The way this works is that customers need to apply for a credit card and they receive an instant card number which they can use to buy the XXXX ticket and get the statement credit. 

What happened ( my complaint ) I did not receive an instant card number not the statement credit. 

How Amex is trying to defend itself Amex is saying that " the instant card has limited availability and is not provided to everyone ''. This is something that is not mentioned or deceptively communicated when purchasing the ticket or applying for the new card. I needed to buy the ticket at short notice and I was also not at home. Amex is further contending that if I had waited for my card, I could have availed the credit. This is something not proven by me and point out another unscrupulous marketing tactic on AMEX 's part. 
The other thing that Amex says is that the instant card number is visible only for 180 seconds before customers can make a note of it. This scenario is not applicable to me since I never received the instant card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.

Complaint:
Currently my XXXX XXXX Credit Report reflects 22 charge offs, my XXXX credit report reflects 21 charge offs, and my Experian credit report reflects 21 charge offs. These accounts date back to the years XX/XX/XXXX-XX/XX/XXXXand once they were paid in full I requested that they be closed. I personally contacted the creditors and requested that they send me letters to reflect that the accounts were paid in full which I have attached. I am requesting that the incorrect and outdated information regarding the charge offs be removed from all 3 credit reports. In addition there is a creditor named XXXX XXXX XXXX and I have disputed this account for years. Initially it reflected as XXXX on my credit report and now they are under this name. I have never took out any student loans as my parents paid for my college education. I graduated from XXXX XXXX  XXXX University in XX/XX/XXXX. You can verify this information by contacting XXXX XXXX   XXXX University at XXXX. I have tried several times on my own to dispute and remove this incorrect fraudulent information however, nothing has ever been done. If you need any further information from my as old credit reports dating back to the tears XX/XX/XXXX-XX/XX/XXXXI will be happy to supply them. Please feel free to email me at XXXX or call me at XXXX if you have any further questions.

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 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint:
I have a XXXX XXXX Overdraft Protection Line of Credit which I've had for years, but very rarely use for more than a few days. I check all my accounts monthly, including this one, to determine if I owe any money to any of my open accounts, and pay the bill accordingly. When I login to online banking, the amount due is {$0.00}, Due Date is blank, Available credit is the full amount of my credit line, and Current Balance is {$0.00}. To any normal person, there would be no further action to take - so I took no action. Fast forward to XX/XX/XXXX, I receive a cryptic email from XXXX XXXX @ XXXX XXXX requesting me to call her. There is no sense of urgency in her email. I called her and she explained that I had a past due balance of some {$4.00} and change. When I accessed my online banking, again it displayed the same information : the amount due is {$0.00}, Due Date is blank, Available credit is the full amount of my credit line, and Current Balance is {$0.00}. She said in order to see the past due balance I had to physically click on the Pay Now button and the website would then show the amount due. That's ridiculous by itself - since the website first said nothing was due. I indicated that I would pay the bill that day ( Tuesday ). When I attempted to pay the bill later that day ( I'm in CA now and XXXX XXXX is in MA, so there's a 3 hour time change - XXXX XXXX was already closed ) it would not let me, saying I have to transfer a minimum of {$10.00}. I didn't owe {$10.00} - XXXX owed {$4.00} and change, so I didn't have a way to pay it. There was no indication made to me that if I didn't pay the past due interest by that day I would receive negative credit reporting. That's exactly what happened. I was reported 30 days late to the bureaus because of a website error - the website was clearly communicating incorrect information. A consumer should not have to hunt and peck through the website to find how much is owed. If any amount is due, it should be displayed under the amount due column. I am attaching a screenshot of the website prior to making the payment that shows how information is being incorrectly displayed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Performant Financial Corporation

Complaint:
My husband is the debtor but this company is contacting my former co-workers and asking for him or me. I am not responsible for his student loan debt. The people being contacted are unrelated to my husband and this is affecting my professional reputation.

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 2021-06-23
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:
We purchased a XXXX XXXX XXXX XXXX ( hair dryer ) from a company named XXXX on XX/XX/21 for {$410.00}. The product was paid for via XXXX using our Citi XXXX ( MasterCard ) credit card. After not receiving the product for a few weeks, we tried contacting XXXX to cancel the order. While still unable to contact them, we opened a dispute with Citi on XX/XX/21. Citi issued a temporary credit for the full amount while investigating the issue. While the dispute was still open, we were able to get in contact with XXXX ( via XXXX ) on XX/XX/21 who informed us that the product had been returned to them, at which point they subsequently shipped it back out to us. At that point, they told us to wait for the product to be delivered, return it ( at their expense ) and they would offer a full refund. At the same time, Citi was also able to contact XXXX and offered the same information / guidance. I had been given a ( new ) tracking number via XXXX XXXX and could see that the item was in transit so I was satisfied with the resolution and Citi reversed the temporary credit. Unfortunately, the product never arrived with only a few tracking updates via XXXX and has been held up in customs ( XXXX XXXX ). It also appears that XXXX has gone out of business as I have had no success contacting them. Upon contacting Citi, they have told me that the dispute is closed and there is nothing further they can do other than offer a complementary credit for a lesser amount, which I have not taken. Upon asking to speak with a Citi supervisor, they informed me that that their dispute department should NOT have had the original dispute closed until the issue was fully resolved, but that since it was, he reiterated that there is simply nothing they can do.

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 2023-04-15
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2020-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all 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 2018-02-22
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:
Earlier this year, XXXX XXXX of XXXX XXXX XXXX  contacted me. I paid {$6500.00} for a tax and advisory services I was led to believe was necessary for my business. 

He talked about Tax preparation services, record keeping, forms and filing dates etc. and that this package of services would cost thousands less than a CPA. I have come to find out they are not who they say they are and I dont want to continue a business relationship with this company, they have lied and deceptive. I have also never received any of these services so therefore I feel I am entitled to a FULL REFUND. 

I have never spoke with anyone again nor have they done anything for me. I now realize that this is all a sham and I have become a victim of another fraudulent telemarketing sales call. The {$6500.00} I paid is not justified for these services. 

I have tried to cancel the service several times in writing with the merchant telling them I do not wish to continue these service nor do I want XXXX XXXX doing my taxes, but they said they wont and cant refund even though I have never even dealt with or have they done any tax services. I am requesting if you could please help me get my money back. 

Thank you in advance for your attention with this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
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: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I disputed the 2 accounts listed on my credit report which were " verified '' by the credit bureaus. Both accounts are with capital one. Both accounts are reporting as charge off and reporting a past due balance/balance of the following : one account {$2000.00} and {$950.00} Letter of validation was sent to Capital one. Although they responded, they failed respond to the actual request for validation. They only verified the account listed. Per my request " Your failure to satisfy this request within the requirements stated in the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. A credit diclosure statment was requested to be filled out and returned. Failure to return would result in the following : Upon failure or refusal of collector to validate this collection action, collector agrees to waive all claims against the debtor named herein and pay debtor for all costs and attorney fees involved in defending this collection action. Original request is attached as well as their response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC

Complaint:
On XX/XX/2021, National Credit applied negative inaccurate account information to all three credit bureaus. Before submitting the negative information, NCA did not attempt to contact me regarding the alleged negative account. I contacted NCA regarding the inaccurate information submitted to the credit bureaus. I asked the representative about the alleged negative account. The only information I received from the representative was an inaccurate address from a different county and the alleged previous account ower was XXXX Mastercard. This is false information because I have not applied nor had an account with XXXX Mastercard. Also, I contacted XXXX Mastercard regarding the alleged account and the attempt by NCA to collect on an inaccurate debt. XXXX Mastercard representative validated that no account was found. On XXXX XXXX, I mailed a validation letter to NCA, response is pending. NCA reporting false information to the credit bureaus is a violation of the Fair Credit Reporting. Attempting to collect on a false debt is a criminal offense. During research regarding NCA, I found numerous complaints from consumers regarding inaccurate negative information applied to he/she credit bureaus by NCA. Also, in NCA settled with the Bureau of Consumer Financial Protection for unlawful collection practices. Applying a false negative account to a consumer 's credit bureaus which has cause an negative financial impact is unlawful. I am requesting this inaccurate information to be removed from all the credit bureaus and accurate account validation from NCA. I am not requesting a fake bill, which is not an acceptable form of account validation. I am requesting a contract with an signature and/or accurate information from XXXX Mastercard. I have attempted to resolve this issue with NCA and all three credit bureaus without resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

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