hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-11-09
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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 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 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 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 explanation
Consumer complaint received 2018-02-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.

Complaint:
The bank closed my accounts, they sent a letter asking me to call to find out why. I called and spoke to some very rude girls who refused to give me any info and said I had to call the branch. I called the branch and was told by the manager he had no information why it was done and said I had to call back the number on the paperwork. I do so and was again treated extremely rudely. I was coerced to dispute a transaction that was valid causing my fraud claim to be denied. the transaction was done before the card got lost but posted after. No one I spoke to seemed to understand this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-26
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

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 2023-08-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
This problem all started by my account having a temporary suspension of transferring money because of a reversal. When I called to get everything sorted out, they stated that I needed to verify my license through a link and everything should be settled. They stated in the call that I had a reversal and if I had another then my account would be closed and I stated I understood. However there was an error when sending the picture of the license and they can only send one link a phone call as the representative stated. She told me to call back to receive another link and process my account suspension being lifted. When I called back I received another link and the new representative stated the same thing about my account having a reversal and to be cautious. I stated I understood and she sent me the link. However, the website was under maintenance at the time I called so once again we were unable to process uplifting the suspension on my account. She told me just to call back in and hour or two so I could finally receive the link and process what I had been trying to do for six hours at this point. When I called back for the third time, and tried to receive my link, the third representative told me they were closing my account. He also told me I didnt have one, but three total reversals on my account! This was the complete opposite of what I was told by two prior representatives! And besides the facts, the reversal happened because I was moving money around in my primary XXXX XXXX XXXX XXXX account and didnt realize I requested the transfer before I started moving funds! Ive always had a great standing with my primary account and Capital One closing this checking account is extremely unfortunate! Please help me get it reopened.

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: 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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021

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 2018-06-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Gerald E Moore & Associates, PC

Complaint:
Brett Borlands office continues to communicate with me about a debt that they are trying to collect on after being told to cease communication with me since they are the second collector on this debt. XXXX XXXX XXXX is also collecting on this debt ACTIVELY as noted before, per their response on XX/XX/2018 via the CFPB. Ive also asked numerous times for a MOVE IN statement which conviently they wont produce, as XXXX is well aware that their residences are filthy and they pend previous damage on unsuspecting tenants as lawsuits and reviews are public to expose. However, I will have my attorney in contact with all three parties to determine what is legally acceptable after reviewing. I do know as of XX/XX/2018, neither of your agencies are licensed and bonded and authorize to collect on debt in Ohio, which are required per state law, which puts you in violation. Thank You and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Westside Recovery Services, LLC

Complaint:
Westside Recovery SVCS is reporting a collection account but will not validate the debt. I had / have insurance so I have asked for an accounting of what they say I owe and they have ignored me but continue to report it on my credit report. I had disputed this with the provided prior to it going to collection.

Company response to consumer: Closed
Consumer complaint received 2018-01-12
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 had fraud on my account. XXXX XXXX did send me a new card and credit back the fraudulent charges however they reported the balance to the credit companies ( Transunion and XXXX ) and my score has dropped drastically .This needs to be fix asap

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 2022-06-10
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 Bankruptcy XXXX # XXXX has violated my rights. 
15 U.SC. 1681 section 602 A. States I have the right to privacy.

15 U.sC. 1681 Section604 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 2021-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.

Complaint:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, NC, XXXX I have informed this debt collector, Credit Collection SVCS, in writing that during the validation process this alleged account should not be on my consumer report since it has not been validated and contains inaccuracies. Yet, this alleged account that has not been validated and contains inaccuracies is still reporting on my consumer report, which is an act of fraud. I can only assume that this is also an act of constructive fraud against me, a consumer, being that the reporting of this alleged account is in violation of the FCRA, FDCPA, and is a defamation of character. As a consumer I am requesting that Credit Collection SVCS removes this invalidated and inaccurate alleged account immediately. 

I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. Being that you are the information furnisher I am also aware that it means you are subject to the regulations of the FCRA, and oftentimes creditors, have a tendency to say that they are required by law to report alleged accounts to a consumer report, which is incorrect and misleading. Legally, you do not have the right to furnish anything to my consumer report without my written instructions to do so. Also, no consumer report should include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. A consumer report should also not include information solely about transactions or experiences between the consumer and the institution making the report. Please review the copy of the FCRA from the FDIC for your recollection.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services

Complaint:
Good morning my name is XXXX ( XXXX ) about XXXX I attended XXXX and took out loans to pay for my school. Fast forward to now I am currently being garnish by XXXX ( XXXX ) for the past 3years to pay my school loan. XXXXACS ( XXXX ) just sent a judgment to garnish my wages as well US department of Education is off-setting my taxes and they as well as these collection agency XXXX, XXXX, XXXX, U S DEPT OF ED/GSL/ATL, ACS/XXXX are on my credit report with XXXX All are claiming ownership of my loan with XXXX for close to {$13000.00}. How can XXXX collection agency collect on the same loan triple dipping ...?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION

Complaint:
Recently had funds sent to my bank account and my bank Navy Federal Credit Unions security department has been giving me the run around for 2 weeks. While not allowing me access to my funds and not providing adequate information on how I can resolve the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
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: EQUIFAX, INC.

Complaint:
I provided proof that the XXXX bill, XXXX/XXXX bill and XXXX that is on my credit was paid in full. I provided documentation. MY BK XXXX was denied and therefore the debt was no loner BK protected and I paid all of these debts in full. Yet, XXXX, Equifax and XXXX are still reporting BAD DEBT and Derogatory. I have been fighting for correct information for over a year, and would like these debts to be investigated thoroughly and do not exceed 30 days to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.M. Galicia, Inc.

Complaint:
On XX/XX/XXXX, I went to see a primary doctor affiliated with the XXXX XXXX. For that service, I received a bill for {$240.00}. My insurance company XXXX paid {$70.00}, and I paid the remainder of {$170.00} on XX/XX/XXXX. Thereafter, I received another statement for {$140.00}, listing an " adjustment '' of {$41.00} to the previously billed amount. Nonetheless, I emailed and called XXXX to inform them that this bill was paid in surplus of what I owed ( since my payment of {$170.00} is {$37.00} over the actual amount I owe ). This also begs the question of this hospital 's billing system since the first bill I received was in error on their part, and for an inaccurate amount! Rather than to rectify this issue, on XX/XX/XXXX, I was notified that XXXX sold this account to a collection agency called PMS ( Progressive Management Systems ). Upon learning of this, I immediately sent them proof of payment with an explanation of what had occurred thus far with XXXX. On XX/XX/XXXX, I received a letter from PMS stating that the payment was not credited to my account, but rather, this payment was " applied to ... outstanding balance for date of service XX/XX/XXXX ''. When asked for proof of their claim, there was NOTHING forthcoming because this was simply not true! 
Evidence substantiates the fact that the payment was made in surplus of what was owed. It is the hospital that has their information incorrect. The date of service for the payment I made is XX/XX/XXXX, not XX/XX/XXXX. 

Again, I submitted evidence which I previously provided to the collection agency and the hospital. Everything I submitted had the SAME INVOICE NUMBER plus the SAME DATE OF SERVICE!!! 

Despite my numerous attempts to clarify this matter, both XXXX and PMS continued to ignore me. Instead, on XX/XX/XXXX, I received notification that a derogatory remark was placed by XXXX on my credit report. As you can see from the attached documents, I have attempted numerous times to resolve this with with XXXX and the collection company. It obviously did not go anywhere as they failed to assist with this issue. 

I have also sent both XXXX and the collection agency a statement from XXXX that clearly states the date of service, XX/XX/XXXX, and the amount paid by my them, leaving me with my responsibility of {$170.00} which is exactly the amount I paid on XX/XX/XXXX. 

Currently, I'm having to spend my time trying to dispute their negligent placement of this account with the credit bureaus. Their negligent act has damaged my credit score and has opened the door for detrimental consequences to come.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TD BANK US HOLDING COMPANY

Complaint:
I made a payment of XXXX dollars to my Target credit card on XX/XX/2020. I checked my account on XX/XX/2020 and my credit limit is XXXX dollars instead of XXXX dollars. The funds were withdrawn from my bank account as a payment to Target. I called Target CS and they told me that even though I made a payment of XXXX dollars they are holding a credit of XXXX from my credit balance. They are refusing to tell me why. I have never had this happen before.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.

Complaint:
On XX/XX/2020 I received an two emails to my personal email which included personal financial information in my personal email regarding the transactions I had done through the online app. 

I feel that I should have received an email telling me I had a message with Chase app which would have been private and encrypted. Instead they sent an email to my personal email which I felt was a violation of my privacy rights. 

The information contained was alarming to say the least. I am fearful of identity theft due to their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
This is the 13th time reporting the same XXXX account with inaccurate information. 

The date of delinquency was early XXXX, making the account over 7 years delinquent and, by law, needs to be deleted from my report. 

XXXX has ruled in my favor that XXXX was reporting inaccurate information and removed the account from my report. 

XXXX and TransUnion have refused to do anything about it. There are so many differences between what XXXX and TransUnion are reporting. 

According to XXXX, TransUnion and XXXX, they are 100 % reporting everything correctly even after providing proof for years that they are not. 

Payment history is different on at least 14 months. 
The date of the last payment is different. 
The date account was closed is different. 

Please delete the account from my credit report immediately!! 

See attached files. 


XX/XX/XXXX XXXX 90 days late TransUnion 120 days late XX/XX/XXXX XXXX 120 days late TransUnion 90 days late XX/XX/XXXX XXXX 120 days late TransUnion 90 days late XX/XX/XXXX XXXX 90 days late TransUnion 60 days late XX/XX/XXXX XXXX 60 days late TransUnion 30 days late XX/XX/XXXX XXXX 90 days late TransUnion 60 days late XX/XX/XXXX XXXX 60 days late TransUnion 90 days late XX/XX/XXXX XXXX 90 days late TransUnion 60 days late XX/XX/XXXX XXXX 90 days late TransUnion 60 days late XX/XX/XXXX XXXX on XXXX TransUnion 30 days late XX/XX/XXXX XXXX on XXXX TransUnion 30 days late XX/XX/XXXX XXXX on XXXX TransUnion 30 days late XX/XX/XXXX XXXX 60 days late TransUnion 120 days late XX/XX/XXXX XXXX on XXXX TransUnion 30 days late Date of last payment. 
XXXX XX/XX/XXXX TransUnion XXXX XXXX Date Account closed. 
XXXX XX/XX/XXXX TransUnion 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 2018-03-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Equity Auto Finance, Inc.

Complaint:
In XX/XX/XXXX, I surrendered my vehicle to Equity Auto and I still have not heard or received anything in the mail from. In XX/XX/XXXX i reached out via email and was told that they still have not sold the car and that when they do, i should receive something in the mail. As of now I still have nothing in writing or email to say what is going on with my account. My account rep. XXXX was the person who I first emailed about this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.

Complaint:
XXXX XXXX XXXX is charging me for services and i had XXXX and now i am getting a bill for the same services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 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