hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY

Complaint:
This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The AMEX XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 

AMEX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2017-07-18
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: Experian Information Solutions Inc.

Complaint:
The credit Company is   XXXX   XXXX   XXXX   -  XXXX   XXXX   XXXX   XXXX      XXXX   XXXX     XXXX   I did not apply for this card. I have been writing letters to this company and all   XXXX   credit bureaus for a number of years off and on. There has yet to be a resolution and this company as well as the bureaus have yet to delete from my credit files. I just recently written the companies this past   XXXX    XXXX , 2017 and still getting computer print outs with no validation of signature and who verified the account as accurate.
This negative and inaccurate reporting has been going on for over ( 7 ) years which is past the statue of limitations for the state of Georgia.
This company continues to re-age this information into my credit reports.

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 2022-07-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: OLD NATIONAL BANCORP

Complaint:
On XXXX I notified First Midwest Bank, now Old National Bank that my Mother passed away. I spoke with XXXX a banker she advised that I needed to send a copy of death certificate, copies of the XXXX ID and a noterized letter that I wanted to close the accounts. This info was sent certified. Two weeks later XXXX called me and said that the bank XXXX said that I would have to travel to XXXX in order to even close the account. This whole problem has now taken 4 months. This should be illegal and I believe it is. Beware of this bank location in XXXX IL.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates

Complaint:
LJ Ross refuse to show validation of the debt they claim I owe them! I have requested validation of any, pertaining to LJ Ross and I in any contract or agreement. I 've written the credit bureaus as well as LJ Ross. Each company refuse to validate the account LJ Ross claim I have with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX Account # XXXX 30 days late in XX/XX/2022 and 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 explanation
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Receivables Management Partners, LLC

Complaint:
XXXX XXXX  tasted RMP services in XXXX of XXXX XXXX XXXX paid off my full a out I owed them, there were XXXX things equaling around {$600.00}. During the XXXX versatile I specifically asked the woman when and if it would be deleted from my credit report and she stated it would be within XXXX weeks. Upon going to get a house loan they were still on there ( a year later ), I called RMP services and they stated there was no documentation of her saying that so they won't remove it. I disputed them on my credit report and one was taken off but not the other. I was advised by my credit repair guy to contact you guys since she had specifically stated they would be removed and now they are refusing to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
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:
i have reached out to the credit reporting agency numerous times and i have got no response on my disputes.

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 2020-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX {$500.00}

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 explanation
Consumer complaint received 2018-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.

Complaint:
EQUIFAX has reported a collections on my report. They have reported a MEDICAL BILLING on my credit report. I have sent over repeated letters by certified mail and that have not responded. They have not validated the debt upon written request. They continue to Report this claim. Equifax claim that have received validation ( DEFAULT OF WHILE IT'S STILL ON MY REPORT ) from the creditor and have kept this derogatory remark on my report despite my multiple letters to them as well. 

PLEASE Be advised that pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sect. 809 Equifax are in violations of the 1996 Hippa Act, The law Fair Debt Collection Practices clearly states they must verify Evidence/proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 

Proof that the collection agency are registered to transact business and/or collect in my state. 

Proof of collection agency authorization by law for collection of information. 

Evidence of whether this debt was assigned or sold to : XXXX XXXX PLEASE Be advised that pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sect. 809 ( b ) that your claim is disputed and validation is requested. 

Any Evidence of EQUIFAX verifying my personal Medical Billing is a violation the HIPPA ACT 1996 TITLE II PRIVACY AND SECURITY which are a set of regulations and guidelines for the electronic transmission of healthcare data, and sets up guidelines for the code sets used in medical billing and coding. 
ANY MEDICAL INFORMATION AND INCLUDING MEDICAL BILLING MUST HAVE A HIPPA RELEASE FORM. 

Having Any Of My Medical Information Is A Violation Of Hippa Law. 

CREDIT REPORTING Agencies do not fall under Health Information Exchange ( HIE ) Which pertains only to Doctors, Nurses, Pharmacist other Health care providers to access and securely share a patients vital medical records. 
ANY VALIDATION OF THIS DEBT IS UNLAWFUL OF HIPPA ACT 1996 TITLE II PRIVACY AND SECURITY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
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: LEXISNEXIS

Complaint:
I am unsure how to go about dealing with this matter. I am awaiting a copy of my CLUE report from LexisNexis, which is being sent by mail, ordered a week ago, and could take another 1-2 weeks. 

There seems to be vast discrepancy with my credit score from the 3 credit reporting bureaus and my CLUE score from LexisNexis. I received a letter from my current home insurance carrier XXXX XXXX XXXX  regarding a CLUE report they obtained on XX/XX/2023, showing a score of XXXX  in a range of 200-997. 

My XXXX XXXX credit score is XXXX range 300-850 My XXXX XXXX score is XXXX range 300-850 I do not have my XXXX at this time , but it is in the similar top tier range of excellent credit. I do not understand why my CLUE score from LexisNexis is so low. Even worse, the letter I got from XXXX XXXX listing the primary factors affecting my insurance score, are all credit/finance related, which completely negates and opposes that of my actual credit score from credit monitoring bureaus. 

XXXX  Length of time sales finance accounts have been established XXXX  Insufficient information on department store accounts XXXX  Insufficient information on personal finance accounts XXXX # of accounts that have been established None of that has anything to do with insurance, and I fail to see how I am scored lower on financial accounts than anything to do with insurance on an insurance score. This has caused me to overpay for insurance due to a lower score, who knows for how long, likely many years, over a decade. I have no idea as to the amount this has cost me, and it has likely costed others. This matter is much larger than me, and I am unsure how to proceed. It seems ground for a class action lawsuit or something. 

Who regulates LexisNexis, like the credit monitoring bureaus are regulated? Why is a CLUE report not available online, and takes 2+ weeks to receive in physical mail? I have no idea what the dispute or resolution process there might be. 

How is LexisNexis able to have a monopoly on insurance score, who is their competition? Who else is verifying this information to ensure it is accurate, and fairly represents the consumer? 

It makes no sense that my insurance score is lower than my credit score based on financial credit based accounts. Something is very very wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
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: United PanAm Financial Corp.

Complaint:
This account is unauthorized and has invalid information and violates my privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681 Section 602 States I have the right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Select Management Resources, LLC

Complaint:
Harassing phone calls XX/XX/XXXX @ XXXX Missed call XX/XX/XXXX @ XXXX Called wife and asked me to call back. 

XX/XX/XXXX @ XXXX Called and she asked about my loan. Then told me I was paid, then apologized for calling XX/XX/XXXX @ XXXX Another female called and said the first female was wrong and I owed over XXXX. I informed them that I needed to buy propane for the house and was unable to make the payment. She proceeded to pry and ask how much money I made, how much my check is and when I get paid. Accused me of fraudulently reporting my income. 

XX/XX/XXXX @ XXXX Called and accused me of refusing to pay debt, then called me a 5 year old. Stated you better find a way to pay by XXXX. She continued to ask about how often I am paid. Told me to sell my vehicle and give them the money. 

XX/XX/XXXX @ XXXX Called me and I couldnt answer because I am at work. 

XX/XX/XXXX @ XXXX Then XXXX called work, refused to tell me who she was and why she was calling. Called within seconds of each other.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.

Complaint:
Because of the malicious, vindictive credit reporting of NAVIENT, this XXXX XXXX   XXXX XXXX XXXX has been caused to loose thousands of dollars. Additionally, NAVIENT, on the surface, appear to want the obligation paid twice, if not three times. 

THE COMPLAINT : CFPB is reporting to XXXX XXXX XXXX information that does not conform to known facts. The facts are these : 1. My son obtained Student Loans that went into default. 
2. Yes, I did co-sign one or more of the loans. 
3. NAVIENT has held collection authority.

4. All known loans in question have been released to XXXX.

5. XXXX has provided documentation for all interested parties ( XXXX XXXX, the three credit bureaus, XXXX XXXX, and now NAVIENT ) that all known student loans are being repaid under agreements recently ( 5 or 6 months ) made. 
6. NAVIENT adamantly REFUSE to correct their reporting in this manner to reflect the current status and their past role. 
7. NAVIENT know, knew, should have known, should have been advised, or should have sought out ability to correct their reporting system at the time XXXX reached an agreement with my son ; and, they lost ability to conduct any further collection activities, nor report anything other than the transfer to XXXX. 
8. NAVIENT continued, out of a vindictive want to impose pain and suffering to people under a guise of retained authority.

9. NAVIENT went as far as to convince others ( XXXX XXXX, all three credit bureaus, and XXXX XXXX, that me and my son was attempting to perpetrate credit fraud. 
10. NAVIENT continues to try and force collection ( by third parties, like XXXX ) through subliminal tactics of {$35000.00} when they are fully aware that the balance has been reduced to {$22000.00} as of XX/XX/XXXX. This may be categorized as a form of EXTORTION. 

THE PRAYER : CFPB will thoroughly investigate acts and actions of NAVIENT along the above charges, and compel them to correct all contemporary and future reports of this matter according to CFBB investigation results. Advise if Federal laws surrounding this kind of debt and debt reporting have been violated.

NOTE : NAVIENT was granted 48 hours to correct their reporting by U. S. Mail on XX/XX/XXXX. The smug remark made by the NAVIENT representative, and recorded by the XXXX XXXX representative is : It will take us four to six weeks. She did not seem to care that she was impeding a home purchase transaction. 

Support Docs : XXXX letter XX/XX/XXXX ; and, XXXX Student Loan Summary with six month payment history, XX/XX/XXXX NAVIENT XX/XX/XXXX update, XX/XX/XXXXXXXX  XXXX XXXX Review and Summary, XX/XX/XXXX Complaint to Credit Bureaus, XX/XX/XXXX Correspondence with XXXX XXXX XXXX, XX/XX/XXXX XX/XX/XXXX Guide to Navient Lawsuits,?? XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
Portfoliocovry calls from a different number every time. I spoke to a female and explained she has the wrong number and she said she will remove the number from the list but everyday I get the same call about the same person and from a different number of whom I do not know.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIZENS FINANCIAL GROUP, INC.

Complaint:
in accordance with the fair credit reporting act, this creditor has violated my right. Under 15 U.S.C 1681 Section 602 states, i have the right to privacy.15.U.S.C 1681 section 604A section2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 16668B ''A creditor may not treat a payment on a credit account under an open and consumer credit plan as late for any purpose. Citizens Home One Loan, XX/XX/2022. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: RC Willey

Complaint:
We received a statement from RC Willey reflecting activity and charges we did not authorized. We had purchased and returned some items from the store and specifically charged the purchase on our Visa card - not the store credit card. The accounts lady said she did not understand why we weren't using the store card and my wife specifically told her we wanted to pay with our Visa card for personal reasons.

We then received the statement from the store ( and our Visa statement ) reflecting the lady reversed a charge to the Visa card and then charged the store credit card, contrary to our instructions. Moreover, some of our returns are not reflected on the Visa card. 

When my wife contacted the accounting offices of the store, they indicated that return credits are reserved on the store account until other purchases are made to offset future purchase costs. This dies not make sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
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:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....

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 2023-06-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC

Complaint:
I spoke with a representative of XXXX XXXX XXXX, who are working on behalf of Cavalry Portfolio, to settle the account with a payment arrangement. The terms of the agreement were falsely represented, misleading, threatening, and additional funds were added to the account. I reached out to the company with no response, so I disputed the account information on my credit report but with no changes. I don't understand how terms of a settlement are reached on a recorded line but changed afterwards and it's ok to do. I have also emailed the attachment to the law firm in XXXX, and they never responded until I disputed the account via XXXX. This company is awful!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I checked my report for accuracy and saw an account for XXXX XXXX XXXX for Original creditor : XXXX XXXX in the amount of {$310.00} for an account opened in XXXX. This is a very old debt that should not be reporting. The Fair Credit Debt Reporting Act states debt should report for a max of 7 years only. The collection was opened XX/XX/XXXX and it is XX/XX/XXXX. The XXXX date for this account is XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation