hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2015-11-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Cooper Hoffman Klein Associates

Complaint:
I have a relative-by-marriage who apparently has some sort of debt. I have not spoken to her in 5 years and do not have a way to contact her. And yet somehow a debt collection agency ( though it may very well be a SCAM ) has gotten my phone number and for over a year has been calling me at least once a month with automated messages ( from more than XXXX phone number ), saying they are trying to reach my relative to serve her with collection papers. I have tried to tell them that I am not her and do not have a way to reach her, but they still contact me. I tried to download Call Blocking apps on my smartphone ( as they are calling my cell number ), but they are n't very effective and just auto-disconnect the call when I try to answer to tell them to stop calling me, but do n't stop the calls from coming through. I have also text-responded to these phone numbers with the same message, but I am still being harrassed. Now it is to the point where they have called me 9 TIMES IN THE PAST 3 WEEKS. Two weeks in a row, they called me 3 days in a row, from the number XXXX XXXX XXXX XXXX. XXXX this number shows that it is WIDELY reported to be a scam number, FAKE debt collection agency XXXX XXXX -- XXXX ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.

Complaint:
Services were rendered at XXXX XXXX XXXX XXXX in XXXX XXXX. 

I paid XXXX XXXX XXXX XXXX with check number XXXX dated XXXX in the full amount of XXXX. The check cleared my bank on XXXX. 

According to XXXX, the amount of {$140.00} was reported as unpaid debt in XXXX, AFTER I paid the amount in full. XXXX XXXX XXXX XXXX reported me to collection agency Caine & Weiner Company Inc when they should not have.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.

Complaint:
I had a direct deposit made on XX/XX/XXXX for $XXXX. The morning of XX/XX/XXXX, I used my debit card for miscellaneous items and I made a $XXXX cash withdrawal at a PNC bank branch. PNC bank froze the deposit sometime before XXXX XX/XX/XXXX. At a separate branch, I was told the funds wouldn’t actually be released until XX/XX/XXXX. On XX/XX/XXXX the funds were not released. After speaking with several different representatives on the phone, I was told: 1) the fraud department froze it 2) the funds are being held for verification that would take 5-7 days even though it was a direct deposit 3) that the check that was deposited was not endorsed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY

Complaint:
I was sent an American Express giftcard for my wedding in XX/XX/XXXX. The card remained in my possession until I tried to use it in XX/XX/XXXX. There was no balance on the card. I researched the previous purchases and found that it had been used to make several purchases at XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. All businesses are located in California, XXXX XXXX County. I live in Texas and have never been to these locations. 

I contacted American Express who told me that they did not have enough information to refund the card based on fraud. I was told there was nothing to do and I had to contact the merchants myself. 

I have the card in possession, including the packaging the card came in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
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: EQUIFAX, INC.

Complaint:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
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:
1. This account does not belong to me. I have no knowledge of this account. I have no knowledge of the original creditor XXXX Account Number : XXXX Please remove this account from my credit report immediately! 
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Transunion is only one Bureau who keeps reporting this negative account on my credit history. 
I am a victim of Identity 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 2023-07-21
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/20XXXX XXXX  XX/XX/2022

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 2019-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
In XXXX of 2017 my vehicle was reprocessed after only 30 days of delinquency. However my chief complaint is that I was never notified when the vehicle was auctioned or sold. According to the reprocession laws in the state of Nevada, as the consumer I was supposed to be notified of the date, location of the sale of the vehicle. Also I never received notice of how much the deficiency amount owed if any. This finance company is also reporting inaccuracies on all 3 of my credit reports. XXXX XXXX is reporting every month that I am delinquent which has added extra charges from original balance at the time of charge/off placed on my credit reports. None of the information is accurate that's being reported by XXXX XXXX to all 3 credit agencies. Trans union, XXXX  and 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 2022-03-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
I opened a safe checking account with Bank of America about three years ago. The reason I opened this account was so I could never over draw my checking account. 

I was living in a hotel for a few months last year. I was charged several times for charges that were not authorized and in fact were suppose to be credited to my account. Bank of America Allowed these charges to go through when I didnt have money in my checking account. When they never allowed charges to ever go through before. These charges were placed on 2 different occasions a and I submitted a claim with Bank of America. They paid 3 of out of the 6. 

This has caused so many problems for me I no longer have a checking account cause it was closed due to my account being over drawn XXXX dollars I feel like I was taken advantage of and Bank of America refuses to help me

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 2022-05-18
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 XXXX  Account # XXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.

Complaint:
There are currently numerous inquiries listed on my credit report that I have no knowledge of. These inquiries were not authorized or initiated by me and was a result of identity theft or malpractice.

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 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
XXXX is the company that is not reporting accurate information to the credit Bureaus and when I call the credit Bureaus and submmitted ah complaint or dispute they said they are reporting what the merchant is telling them to report. So, pretty much I have been almost two months back and forward between both parties without any results. My account is in good standing and open since XX/XX/2020 and right now is not showing that way in neither credit bureaus. Please help 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 2022-10-05
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: EQUIFAX, INC.

Complaint:
When I review my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate and investigate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX BANK Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
I have been receiving notices from these people for quite some time. I thought it was mine but then realized it was a previous boyfriend of mines and they are trying to collect from me. I tried on several occasions to obtain documentation from them that proves that this is my debt and if so, that this collection agency has the right to collect the debt. I have not received anything and they continue to report to the credit bureaus and they continue to send me notices. XXXX Sent letter asking them how they verified the account, the name and contact info. They did not supply this information. XX/XX/XXXX - Sent second request on how they verified the information and the name and contact of the representative. Did not receive a response and they continued to report the unverified information. XX/XX/XXXX - Sent a letter asking them again, how they verified it because I contacted the collection agency and they DID NOT verify it. I received no response and they continued to report the unverified information. XX/XX/XXXX - Made a final attempt for them to investigate and/or tell me how they verified the information when the collection agency DID NOT VERIFY with me yet continue to report the unverified information. 

They simply ignored me each time and sent nothing AND CONTINUED REPORTING THIS UNVERIFIBLE ACCOUNT. So I would like assistance in either obtaining this information or assistance in having them stop reporting this unverifiable information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mar Joe Enterprises

Complaint:
A bill shows up in collection and try to get me to pay it. That was in bankruptcy of XX/XX/2016. It will show on CBC/ mar joe ! Same company. Its listed under collection part of report and it has hurt my credit and from getting credit. This is against the law and I will take this to my lawyer

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint:
XXXX is reporting a debt from a company XXXX XXXX XXXX and that debt has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Focus Holding Company

Complaint:
I paid the original creditor in full. I tried calling the debt collection agency and no one ever calls back. Its still reporting on my report that it is open by this debt collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Education, LLC dba Aidvantage

Complaint:
I attend XXXX XXXX XXXX XXXX from 2011 and was unable to complete the program due to lack of resources. The school falsify certified my eligibility to benefit from its training and charged excessive loans. And in the following year, the school was closed due to fraud. I was aware this year that this loan could be discharge due to its lack of merit. I have already paid XXXX in loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.

Complaint:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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 2022-10-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
LCI is reported a bankruptcy to XXXX, XXXX and Transunion. I contacted XXXX XXXX XXXX Bankruptcy court which they stated they do not verify nor validate information to credit bureaus or any credit monitoring service. LCI is violating the Privacy Act and has not validated information to being accurate on my credit report. I am attaching a letter from the U.S Bankruptcy Court which supports my claim.

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 2019-07-29
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.

Complaint:
I receive phone calls from this company from different numbers. From the above number I have received phone calls 4-5 minutes apart. They are calling my cell phone through all of their different numbers. I have told them NUMEROUS times, that I can not receive phone calls until after XXXX as I can not receive personal calls at work. They ONLY call before XXXX. One individual told me that they don't have to abide by the call times outlined. He also advised that their phone system is on an automatic dialer so they do not have the ability to stop calls during any particular time of day. They should know that they can not call cell phones without express consent and that they can not be called on an automatic dialer. 

I have requested verification be sent from this company but they have not sent this to me directly. 

The company name is The CBE Group.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
XXXX XXXX from XXXX XXXX called me. Offered to help me refinance and remove XXXX XXXX. I asked for mortgage rates, which she would not provide, asked for bank statements and tax return. I told her I did not want to do that without know what rates where, she said it depended on what financial proof I had. Reluctantly I provided bank statement and tax return. She never asked if she could run my credit report and she did. 
I saw it on my credit report and asked why, she exclaimed she had to, but I did not give authorization. XXXX XXXX  XXXX is what shows for inquiry. 
I do not believe its right for any institution to be able to run your credit without authoriztion. 
I was not eve sure if I was ready for a loan, sure I wanted one when rates where low. But not sure now, thats why I asked for the interest rates. This company is aggressive and I think they are just predators.

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 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt

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 2022-11-24
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be updated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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

Company response to consumer: Closed with explanation