hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2021-01-09
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX  XXXX XXXX  XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to provided within fifteen ( 15 ) days of the completion of your reinvestigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding the alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 
I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. 
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$9400.00} XX/XX/XXXX XXXX XXXX {$5200.00} XX/XX/XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$3600.00} XX/XX/XXXX 15 U.S.C, 1681section 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 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 2019-01-08
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Merchants and Medical Credit Corporation, Inc.

Complaint:
Called a distant relative of mine trying to get personal information about me. The company has my phone number, social security number, address, etc. Calling people that you think are related to me and trying to find out where I work is not the way to go.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-04-12
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: EQUIFAX, INC.

Complaint:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly correct the following items in my file ASAP. Thank you, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

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 2023-08-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.

Complaint:
The card is declined at both XXXX & XXXX which doesnt make any sense ( use as credit, no PIN number ). Plus, when using it online, it gets declined on almost every transaction. Doesnt matter the dollar amount or vendor. Then we must call in & get it unlocked every single time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.

Complaint:
Business credit card with a {$29000.00} credit limit allowed to go to a balance of {$70000.00} as of statement date XX/XX/XXXX. I have been paying the card on time monthly. When I requested a payment plan to pay of this card in 28 months via $ 1000 monthly payments I was told there was nothing JP Morgan Chase could do since the account was current. I held back 1 scheduled monthly payment and was told again there was nothing Chase could do. After that I had my previous business accountant and attorney look through the Chase credit card statements and they uncovered the large balance overage, to the exact month where the card was allowed to go over {$40000.00} above the {$29000.00} credit limit. When I asked Chase for documentation I was sent a standard form letter stating the JP Morgan Chase sometimes allows clients to go above their credit limits. I was hospitalized at the time and that is what forced me to sell my business back on XX/XX/XXXX. I contacted Chase numerous times and was passed from supervisor to supervisor with no progress other than " we will contact you back within 2 weeks to your last physical mailing address. '' I did not sign up for or authorize an increase in credit limit and did have employees with additional cards. I am not disputing the charges. I only want to know who authorized this additional {$40000.00} limit to my account? The card documentation has always stated a {$29000.00} limit and I have never agreed to a credit line increase or another credit product to give me that additional credit line.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Patient Accounting Service Center

Complaint:
Good Afternoon, I have received a collection notice from a company called ARSTART. I have made multiple reasonable attempt to make payment to these people however they do not provide any dates of service, any means of reasonable secure payment and also they do not provide any means of payment receipt. I have asked repeatedly for an email address so I can communicate with them in writing and they stated they do not provide any email addresses. This seems like a extortion for money. Upon further research there have been many lawsuits and investigations on this company with regard to medical fraud and also to extortion tactics on the elderly. 

Please let me know what other information you may need for me. Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.

Complaint:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-08-19
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 disputed XXXX/XXXX on all three credit reporting agencies. Company wrote off amount due which cancelled contract. Sold to collection agency XXXX  which also cancelled contract. I paid XXXX in XX/XX/2015. I can not submit documents. Loss home to flooding XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I have tried to contact this company multiple times and filed dispute with the credit reporting agencies and have not gotten anywhere. Whenever I have called I reach someone that I have a communication problem with and they are not able to help me. They put me on hold for long periods of time and calls are constantly being disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.

Complaint:
Okay so right before the week leading up to XXXX I was struggling financially and I made a post on social media asking for help, Shortly after say later that day a guy reaches out me and says the XXXX XXXX wants to help me but he couldnt use XXXX XXXX or third party payment apps, he told me even over the phone like very thoroughly explained it all and said he was sending my assistance over via e-check and I could have it in less than a few hours after I cash it, I was so excited and in need of food and groceries, gas etc I didnt realize it could be fake, why would a scammer pay someone else and not ask for anything in return so now here we are, and now I look like a bad person a scammer who purposely did it when I didnt the lady at CitiBank when I called yelled at me out of nowhere when I told her it wasnt me. Its a whole mess now

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 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC

Complaint:
I was horrified to learn that BMW reported my account as a collection for the month of XX/XX/XXXX. I paid off the lease in its entirety in XX/XX/XXXX and returned the vehicle accordingly. 
On XX/XX/XXXX, I received an alert from XXXX  XXXX credit monitoring indicating that I have a new derogatory collection reported by BMW. I immediately reached out to BMW, and was informed that there was an unpaid final bill that resulted in a collection account being reported to my credit a year later!!! 
Please note, I was NOT notified in writing by regular mail, nor via a phone call that there was an outstanding bill or about BMWs intent to report me to collections. 
Had I known that there was an outstanding bill, I would have paid it on the spot, as I had done on XX/XX/XXXX when I learned of this bills existence. Please reference my prior payment history with BMW ( attached ). I paid a total of XXXX of timely and early prepayments on multiple BMW vehicles in the last 2 years. Please correct the negative reporting as BMW failed to properly notify me that there was an outstanding bill. 
I spoke to a BMW supervisor by the name of XXXX, on XX/XX/XXXX between XXXX am and was informed via that phone call that BMW sent me ONE email in XXXX of XXXX. THIS EMAIL WAS NOT RECEIVED, and thus I had no idea there was such a bill. BMW failed to notify me properly of the bills existence, and failed to notify me that they are intending to transfer me to collections. The BMW supervisor admitted on the phone that there was NO NOTIFICATION from BMW indicating that they are intending to transfer me to collections. Upon consulting with my attorney, I was informed that a company is supposed to notify a consumer of their intent to transfer their file to collections. THIS WAS NOT DONE IN MY CASE! 
I have been a customer for many years, and have prepaid multiple BMW vehicles. Please see proof of prepayment for this vehicle, my wifes and daughters vehicles respectively. I am requesting that this collection reporting be removed immediately as I was not given a chance nor an opportunity to pay it in a timely manner. I would expect that BMW would have the decency to reach out to a customer who prepays all his cars in a timely fashion and has never been late in the many years of doing business with BMW. However, apparently that courtesy wasn't granted in this case. 
I am requesting the correction of this account immediately, as the bill was paid as soon as I learned of its existence. 
Please note a proof of prepayment for multiple vehicles. Also, please note a screenshot of all the emails that were RECEIVED from BMW. There is no record of the email referenced by the BMW supervisor. In addition, there are NO emails whatsoever referencing an outstanding bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
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 have contacted the 3 credit bureaus XXXX, XXXX, transunion about incorrect information on my credit report and they never respond or never remove the information thats incorrect on my report Ive called and mailed them at least the last 6 months 7 or more times Im so frustrated with this I dont know what to do its ruining my reputation They are violating the law my right to privacy and my right to fair credit reporting USC 15 1681

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Early Warning Services, LLC

Complaint:
I reached out to Early warning services in attempt to fix the issue directly with them regarding a XXXX account I never had making me unable to get a checking account or open an account with a credit union. I ask that they send me a validation letter with my WET SIGNATURE or any proof they use to validate that this account belong to me. Instead they send a letter saying they it does with no proof. Early warning has not sent me any proof on how they validated this debt and is making it hard for me to open an account with a real bank because of this FALSE negative account please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ability Recovery Services, LLC

Complaint:
I went to Florida Hospital XXXX XXXX XXXX in the year XXXX with a XXXX insurance. I was provided service and I gave my XXXX details. In XXXX, I was monitoring my credit report and saw collections from ability recovery of an amount of {$850.00}. When I called them to explain that I had XXXX and that the provider was responsible for claiming the money from XXXX, they were mean and rude to me, called me a liar and refusing to take responsibility. They will not listen to me or even give me any information. They only want my credit card details. They have been calling my phone constantly, threatening to hit my credit. I have contacted the credit bureau to get this resolved but the collection agency keeps putting it on there. I'm totally not liable for this debt. The provider failed to claim payment from the insurance I had at the time. I don't use that insurance anymore and i'm not responsible for the said amount. Thank 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 explanation
Consumer complaint received 2022-09-05
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 want to submit a complaint in my personal credit report information that is questionable. I was never late on this account. It has been deferred because I'm still in school. Please verify all info is true, accurate, and correct incomplete name spelling, address of record of this account. 
DEPT OF EDXXXX XXXX Balance : {$3800.00}

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 2022-09-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
Since XX/XX/2020 someone opened credit card on XXXX as my name, and bill went to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Account number : XXXX Seller : XXXX XXXX Merchant : XXXX Current Creditor : PORTFOLIO RECOVERY ASSOCIATES. Balance : {$800.00} But until recently I received this bill at my XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Genesis FS Card Services, Inc.

Complaint:
Received notice that my feb destiny card was closed and this company fraudulently reported i requested to close it when I never did. Furthermore, they advertise me a card with a higher limit and then tell me bc I had the card I didnt qualify. And dont get me started on their tty overseas reps

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY

Complaint:
XX/XX/2022 - {$300.00} Someone STOLE my card and got themselves {$300.00} of XXXX XXXX. Called Wells Fargo and made a claim, they responded through mail saying I authorized it through my PIN. In this day and age, spying, thieving, and other XXXX XXXX is easy, its disgusting. Why do they not ask for ID when someone spend over {$100.00} or {$200.00} AT LEAST? 
I already dont have much, this is disappointing. Never again Wells Fargo and 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