hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-02-22
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: Experian Information Solutions Inc.

Complaint:
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 states a consumer reporting agency can not furnish without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 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 2023-05-03
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 — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.

Complaint:
Chase pulled my credit twice for one credit app. They know they made the mistake and said they would submit to remove but havent. Its causing harm to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
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:
3 accounts from XXXX XXXX XXXX is reporting missed payments and this account was never missed any payments. The account was consolidated over 7 years ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.

Complaint:
I have a collection from National Credit Systems which I have tried to contact them concerning this multiple times and I have received no response. They are trying to collect on an apartment that lived at, XXXX at XXXX XXXX. The problem is that I was the only person on the lease and the only person that lived there. I was being stalked by a very crazy guy and filed multiple police reports against him and made the apartment complex aware of the situation. I also provided them with copies of the police reports. The apartment complex refused to let me out of my lease or allow me to move to another section. As I was in fear of my life I moved out of the apartment but paid the last months rent so that I would not have a broken lease on my credit report. After giving notice, returned all keys and moving out he broke in one night and completely vandalized the apartment. I have multiple pictures and police reports, his name, screen shot text messages with him saying he did it all the proof proving it was not me, even proof as to where he broke off the back door to get inside the apartment. The front office was aware of who did it but since I was the only person on the lease I got charged. I tried to contact the apartment to make payment arrangements for the damages, even though I do n't feel responsible, but they continued to ignore me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I have an account listed on my credit report as Cap One Auto for quite some time now. I began disputing it when I realized it was reporting on my credit inaccurately and inconsistently. I have never received any form of response back from them. All they've is update my credit report to say that the account was in dispute and is now resolved. I have received nothing substantial on how they came to own this debt. On XX/XX/XXXX, I asked for specific documents which i will include as proof. I asked them to respond to me with in XXXX days. I know my rights and this is a clear violation and I was determined to fight this. I sent out another letter on XX/XX/XXXX letting them that they failed to send me any requested documentation to satisfy the validation of this debt and requesting that they remove it from my report. They never responded to my request! I gave it some time to see if maybe they would update the credit bureaus to remove it but nothing again. XXXX XXXX I sent in a request again, simply stating that I want an itemized statement breaking down the balance I owe, which is well within my rights. I don't know how they continue to report this account and say that the dispute has been resolved when not once in over 8 months have they responded to any of my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
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:
The following accounts were opened fraudulently without my permission or authorization, I demand for them to be removed immediately by law- the list of accounts with full account number and open date are below Fraudulent accounts- 1.XXXX XXXX-open date XX/XX/XXXX 2.DPT ED/XXXX- open date XX/XX/XXXX 3.DPT ED/XXXX- open date XX/XX/XXXX 4.DPT ED/XXXX- open date XX/XX/XXXX 5.US DEPT ED- open date XX/XX/XXXX 6.XXXX  original creditor-XXXX XXXX XXXX XXXX XXXX open date XX/XX/XXXX 7.XXXX XXXX XXXX open date XXXX XXXX 8.XXXX XXXX open date XXXX XXXX 9.XXXX original creditor-PHOENIX XXXX XXXX XXXX XXXX-open date XX/XX/XXXX FRAUDULENT INQUIRIES XXXX XXXX Date open XX/XX/XXXX 2.US SM BUS ADMIN ODA date open-XXXX XXXXXXXX, XXXX 3.XXXX date open-XXXX XXXX  XXXX FRAUDULENT ADDRESS 1.XXXX XXXX XXXX XXXX XXXX FL XXXX 2.XXXX XXXX XXXX XXXX XXXX XXXX 3.XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 4XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX CT XXXX FL XXXX FRAUDELENT NAME 1XXXX 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 2022-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.

Complaint:
My accounts at Chase bank have had a legal hold placed on them. 2 accounts which are my adult childrens accounts. They are linked to mine. I accept that this happened. I immediately contacted what placed the hold and worked out a solution. On XX/XX/XXXX Chase was notified this hold could be released. I was told it would take 2-3 business days. Today is the XXXX and again I was told it will take 2-3 business days. In the mean time I have had auto payments returned due to insuffient funds which they are charging me for. They have taken XXXX from my daughters account which had left her with a XXXX balance. Money has been taken from my sons account. I cant get a straight answer as to where this money is going. Its like they are keeping my accounts on hold as long as they can so they can keep collecting fees. I cant even begin to get it all straightened out until the accounts are taken off the hold. This was even told to me by a chase bank representative yesterday. I have been in a terrible financial bind and it is only getting worse the longer this drags out. 
I have spoken to Chase Bank representatives nearly every single day since XXXX XXXX XXXX and get the same 2-3 day response. I am to the point where I will not even be able to go to work next week. As it stands my pay check will go into my account tomorrow but I wont have any access to my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
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:
I sent a dispute registered mail with return receipt to all three credit reporting agencies on XX/XX/2023. The credit reporting agencies did not do an adequate investigation within 30 days violating 15usc1681e ( b ) ; 15usc1681i ; 15usc1681c ; 15usc1681n ; 15usc1681a ( 3 ) it is now XX/XX/2023, and the dispute still has not been initiated nor finished NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL The attachment shows 35 different reasons why these accounts shouldve already been deleted. The account not being deleted, proves I am owed monetary compensation for the violations of the fair credit reporting act

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: International Computer Systems, Inc.

Complaint:
I took sick in XXXX of 2021 and had to go to the emergency room twice. I do not have insurance at the time so I had over XXXX in medical bills. I applied for financial assistance through the hospital and was approved for assistance. 
I then sent copies to the different companies that were trying to collect money for the bills as well. My debt is paid but they will not remove them from my credit report because " charity '' paid the bill. This has caused my credit score to drop over XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2018-06-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I sent the petitioner an " Affidavit of Debt Validation Letter ''. The petitioner continues to fail to meet my request to proof the debit and show original documents. They hired a lawyer and attempted to sue me for their claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13
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:
I have made multiple complaints against XXXX, XXXX, experian it's like I am being ignored I made a demand for those credit reporting agencies to remove those improper inquiry and to stop messing around with my score improperly they seem to not care about my financial situation at all

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 2018-02-05
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:
This is my second complaint for the same issue. The first resolution is the incorrect data was supposed to be corrected. I even received correspondence from Equifax that it would be removed. However, Equifax is still reporting XXXX XXXX as having a balance owed. This account was paid off XX/XX/2017. XXXX correctly reports a XXXX balance. 

I need this resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-20
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: AES/PHEAA

Complaint:
First off I tried to choose the best options as possible basically the account I'm referring to went to default when my mother filed chapter XXXX bankruptcy as the cosigner putting this loan and immediately in the default given at the time I know that this was valid yet in my opinion of sketchy practice of the private student loans. 
As of recently they can no longer immediately go after balances or put these loans in immediate default when it cosigner files for bankruptcy as new laws passed in XXXX via Congress. The purpose of this complaint is mainly to get the charge-off removed from my credit report as I was in good standing but this is also part of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fiasco that's going on and I'm trying to settle with them at the same time but I feel via as that the charge-off account should be removed as it was a drastic measure and I was in good standing 4 months on months at the time. 

I feel for the time being at minimal the charge off that happened in XXXX of XXXX should be removed from my credit from all 3 bureaus via XXXX   XXXX XXXX. 

As I stated there are new laws that were passed by Congress that protect private student loan borrowers to where the servicer can no longer immediately placed alone in default due to the cosigner filing bankruptcy and I would be happy to supply that documentation if needed to show those laws that were put into place.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
Fax XXXX XXXX XXXX Account Manager XXXX XXXX Case Number : XXXX Paid Off Account XX/XX/XXXX {$7400.00} XX/XX/XXXX {$300.00} Automatically payment withdraw from XXXX XXXX account Account gets positive credit {$300.00} Customer ask to reverse {$300.00} back to XXXX XXXX but the money never made to his account. 

Customer called inquire about the reverse status of the account Bank of america representative instructed customer to contact his bank wells fargo. 

XXXX XXXX re ensure money never made to the account and reverse the charge. 

Could Bank of america prove the money went back the customer account? 


A Bank of America representative told customer that the money was send to a company called XXXX XXXX. 


Customer is sending statements as Bank of America requested from banking account activity back to XX/XX/2018. 


Please note : The {$300.00} went back to customer account on XX/XX/XXXX as a result of a dispute. 

If the account was {$300.00} positive and the only money refunded was {$300.00} the Bank of America balance should be reflecting {$0.00} and instead is reflecting - {$300.00}.

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 monetary relief
Consumer complaint received 2020-08-03
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 am so so upset that these agencies are still reporting fraudulent accounts totaling over {$2000.00} or more which not ever mine. I am disturbed how I cant have my finances better due to all these fraud accts charged off. Please do your due diligence and find the evidence that these accounts were all fraud. Having no knowledge of these fraudulent entries on my credit report as i was not paying attention that they did not delete these off since I reported back then. I was wondering why my credit was just being basic with limited lines until the banker asked me to pulled my report and then I see all the errors and fraudulent accounts that were not removed with all different variation of names. i cant even determine the exact amounts or dates as I did not have no accounts with the account numbers reported companies, and I no opened accounts on the dates posted on my credit reports. I have been a victim of ID Theft.

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 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
Experian is reporting negative incorrect information on my credit report i have asked them numerous times to correct it and they refuse they keep responding verified with XXXX i have previously attached a copy of my XXXX report showing where it is not being reported on my report but still comes back verified

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 2023-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX 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 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 2022-02-22
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Healthcare Collections-I, LLC

Complaint:
Dear Sir/Madam, XXXX ( healthcareinc ) is attempting to collect a debt. Their tactics are either laughably incompetent or connivingly sinister in their methods. 
I received a letter of collection from them that clearly stated how to pay. I WILL NOT REGISTER with them or call them, I believe every transaction and communication should be documented in writing. 
When attempting to pay at XXXX XXXX XXXX I was unable to do so. The account number had ambiguous text or numbers, and even what looks like capitalized and lower case letters. After trying every single possible variation ( even improbable ones ), I came to the conclusion that they do not want you to be able to pay using their " Want To Pay Without Enrolling?, One-Time Payment '' option. Interestingly, there is NO WAY to contact them by email or messaging. Please try to connect to their website with the information on the letter they sent me, I'm sure you'll find it to be impossible. If this company has the ability to place a derogatory mark on one 's credit history, then some minimal level of competence should be met, otherwise it SHOULD BE ILLEGAL!

I shudder to think what additional information they may have and in what ways they may be misusing them.

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 2022-06-07
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, 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