hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-10-18
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2018-11-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
I just paid off a Bank of America card that was charged off and instead of them showing that account paid, they created a new account on my credit report with a new account number. It should have never created another account which hurt my credit score. Instead, it should have just settled out my collection and showed it up as paid. They also still left a {$900.00} balance on the trade line, when it should be {$0.00}.

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
Consumer complaint received 2018-02-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.

Complaint:
This company initially called and would not explain why they were calling me. When I said I would hang up if they did not state who they were & why they were calling then the female caller just said " okay '' and hung up. Today I got a collection notice from Diversified Consultants Inc ( same as the caller ) saying I owed {$28.00} for XXXX. I resolved the bill with XXXX years ago and closed the account. The XXXX bill was resolved after reporting XXXX with the FCC for poor service. I have not had XXXX for 3 years or more. I do not owe XXXX anything at all. After seeing reviews about DCI and seeing people say DCI is " taking advantage '' of the data breach of one of the credit reporting agencies I feel I may be getting scammed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-22
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:
I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX XXXX and the Creditors ( Bankruptcy Chapter XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. I also contacted the bankruptcy court and it is clear that they do not report to any credit bureau for that matter ; therefore the response verifying the item with the court is an error. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.

Complaint:
This collection is not mine. They keep adding collection out of no where

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
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:
Transunion has not responded to any of my disputes Letters sent XX/XX/XXXX Certified Received XXXX XX/XX/XXXX Certified Received XX/XX/XXXX XX/XX/XXXX Sent regular Mail XX/XX/XXXX Certified Received XX/XX/XXXX XX/XX/XXXX Certified Received XX/XX/XXXX XX/XX/XXXX Certified Received XX/XX/XXXX Inaccurate Accounts listed are XXXX  -inaccurate and unverified XXXX-inaccurate and unverified XXXX XXXX-inaccurate and unverified Letters sent XX/XX/XXXX Certified Received XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Certified Received XX/XX/XXXX, XX/XX/XXXX Certified Received XX/XX/XXXX Inaccurate Accounts listed are Chapter XXXX Bankruptcy -inaccurate and unverified XXXX XXXX -inaccurate and unverified Response from TransUnion is just a single page saying the are investigating On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and a form that I have filled out and returned on many different occasion with current driver 's license, copy of social security card and a bank statement. 

I have already filed 2 CFPB complaints as well XX/XX/XXXX # XXXX and XX/XX/XXXX # XXXX I have also contact the state attorney general office of Florida. This is completely unacceptable in completely ignoring my disputes they do not even have the right address on file

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 2020-02-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Aldridge PIte Haan, LLP

Complaint:
This information is in addition to Complaint Number XXXX. I just learned that XXXX XXXX XXXX either sold or moved my debt collection to Aldridge Pite Haan. Per their letter dated XX/XX/XXXX, my outstanding balance show {$30000.00}. I have already paid {$11000.00} from Wage Garnishment and another {$27000.00} directly to XXXX in XXXX during my Bankruptcy. The very first notice I received for the Judgment showed a balance due of {$32000.00}. I have tried to call and have sent several communication to Aldridge Pite Haan with no response. When I did actual spoke with someone they basically stated you owe this and we will take every means to receive payment. My question where has all the money I have already paid went too. They are still collecting {$200.00} a check through Wage Garnishment. Contact Information for Aldridge Pite Haan is XXXX or website www.aph-law.com Any assistance would be greatly appreciate. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-08-24
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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-12-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Caliber Home Loans, Inc.

Complaint:
Complaint and QWR. 

Caliber never responded to my simple question WHO authorized and released the servicing rights from XXXX XXXX  XXXX XXXX and transferred to Caliber. 

Who authorized and released on XX/XX/2019, the servicing rights for the Loan from Caliber and transferred to XXXX XXXX XXXX XXXX XXXX XXXX 

I want to clarify I am not making any inquiries about origination, underwriting, subsequent sale or securitization, or any determination to sell, assign, or transfer the servicing of the Loan ; or an assignment of a mortgage. 

I am asking to disclose the NAME of the company and the name of its individual officer, with his/her direct contact information who authorized the release of servicing rights from XXXXXXXX XXXX XXXX XXXXXXXX to Caliber Home Loan , Inc. and who appointed Caliber as a Servicer. 

I am asking to disclose the NAME of the company and the name of its individual officer, with his/her direct mailing address and direct phone contact information who released on XX/XX/2019, the servicing rights for the Loan from Caliber and transferred to XXXX XXXX XXXX XXXX XXXX XXXX 

The problem with Calibers statements is that they are the equivalent of saying that if my alleged Creditor hire an employee, someone else can take that employee 's place without my alleged Creditor knowledge or consent. 

It simply does not work that way. Agents do not appoint themselves or create powers for themselves. That is ALL ( no exceptions ) done by the principal for whom they are acting. 

Any company that is claimed to be a " servicer '' or who has allegedly participated in a transaction regarding the servicing of a collateral account ( unpaid loan account on the ledger of a creditor ) MUST be acting on the express authorization of that creditor. 

I am asking Caliber to identify the NAME of the CREDITOR and direct contact information for the individual officer of my CREDITOR who authorized the release of servicing rights from XXXXXXXX XXXX XXXX XXXXXXXX to Caliber Home Loan , Inc. and who appointed Caliber as a Servicer. 

I am asking Caliber to identify the NAME of the CREDITOR and direct contact information for the individual officer of my CREDITOR who authorized the release of servicing rights from Caliber to XXXX. 

So when a XXXX  company who filed these letters with CFPB says that a company Caliber- is a " servicer '' that does not make the company a servicer, agent or authorized to act on behalf of anyone. It is an assertion or allegation which is only implied. 

I am asking for the FACTS - identify the NAME and direct contact information of the Company and its individual employee who authorized and released servicing rights from XXXX to Caliber and from Caliber to XXXX.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.

Complaint:
I have an account on my report that was closed XX/XX/2022 however its showing open on my Equifix report. I was informed by the bank to dispute the account so it can be updated as a closed account. 

XXXX. XXXXXXXX XXXX {$3400.00} This Account was closed on XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Synerprise Consulting Services, Inc.

Complaint:
After reviewing a copy of my credit report, I noticed a collection accounts placed on my credit report from Synerprise. I am requesting that you allow my attorneys and I to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, my attorneys and I are allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties agency. I did not give permission to any of my current or prior medical providers to release any of my medical information and/or records to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients signed authorization. I have never given authorization to release any information in accordance to my rights under HIPAA. Therefore, my request is three-fold validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Also provide an original copy of contract with original creditor that gives you the right to collect debt in pursuant to the FDCPA. Cease any credit bureau reporting until the debt has been validated by and my attorneys and I. Furthermore until a debt can be validated by me, I am allowed under the FCRA to have any debts in relation to be removed from my reports until the items can be validated my attorneys and I. Please send this information to my address listed and accept this letter sent via the CFPB complaint portal as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting or accounts being placed with the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, attorneys will correspond back by certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( XXXX ) credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update or repaired the account ASAP!!!. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/ Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
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:
on XX/XX/XXXX i sent dispute letters to XXXX, transunion, and XXXX to verifiy these unfamiliar accounts and inquires on my report. Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act XXXX, transunion, and XXXX are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that XXXX transunion, and XXXX post on a credit report. I demanded to see verifiable proof with my signature that XXXX, transunion, and XXXX have on file for the account listed below. Under the FCRA, unverifiable accounts must be removed and if XXXX, transunion, and XXXX are unable to provide me a copy of verifiable proof like a contract with my signature 30 days after my dispute then XXXX, transunion, and XXXX must remove the account listed below. it is now XXXX almost 60 days since i sent my letter and they haven't even responded by law they must remove all accounts and inquiries listed below. 
The following accounts and inquiries is not mine and needs to be deleted 1.XXXX XXXX XXXX XXXX Account Number : XXXX 2. XXXX XXXX XXXX XXXX, Account Number : XXXX 3. XXXX XXXX XXXX Account Number : XXXX 4. XXXX XXXX XXXX BANK Account XXXX 5. XXXX XXXX XXXXXXXX XXXX Account Number : XXXX 6. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX 8. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX 9. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 10. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX 11. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 12. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX 13. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 14. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 15. The inquiry was not authorized SYNCB Date of inquiry : XX/XX/XXXX 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 2018-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE

Complaint:
XX/XX/XXXX I received a {$920.00} check from Barclays Bank Delaware, Credit Card. The check was not cashed. I have had a balance on this account for the past XXXX XXXX years. I never received a letter of the credit balance or an offer to add it to my account to reduce the outstanding balance. I paid the account off XX/XX/XXXX, when I received my statement in XXXX, it said I have a credit balance of {$220.00}. Afterwards I received an overpayment issue letter for uncashed check number XXXX from XXXX XXXX, ( XXXX ) XXXX dated XX/XX/XXXX for the {$920.00}. I requested for the {$920.00} credit to be added to the {$220.00} and receive one check. I was denied the {$920.00} balance and was given the {$220.00}. 

My problem is, I do not appreciate the card company holding my credit balance since XXXX. The company waited until my account was paid in full to inform me about the {$920.00} credit. After receiving the {$220.00} on XX/XX/XXXX, I called to check my balance, I began to hear I have a credit balance of {$920.00}. I spoke with a representative on XX/XX/XXXX, and was told a check had not been released. As of XX/XX/XXXX, I have not received the check.

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 2022-10-03
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: Thaxton Investment Corporation

Complaint:
I have paid each companies in full for pay to delete and nothing has been removed they're still reporting on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
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: Allied Collection Services, Inc. (Nevada)

Complaint:
In accordance with the fair credit reporting act XXXX XXXX # XXXX, has violated my rights. 
15 usc 1618 section 602 states I have the right to privacy.

15 usc 1618 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666B : A creditor may not treat a payment on a credit card account under an open end customer credit plan as a late for any purpose.

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 2021-11-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Law Offices of Mitchell D. Bluhm & Associates

Complaint:
This is my second complaint against LAW OFFICES MBA XXXX XXXX XXXX, XXXX  XXXX XXXX, TX XXXX attempting to collect a Medical Debt not has been been validated but has sent my medical records from another 3rd party company XXXX XXXX XXXX which is a direct violation of HIPPA. I never signed a form giving permission for them to have access to my medical records and personal data. In the letter and PDF email they sent on page 3  shows my medical records and personal data. 
XX/XX/2021 : Personal and private email message from The Law Offices of Mitchell D. Bluhm and Associates enclosed.

Company response to consumer: Closed with non-monetary relief