hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

Complaint:
On XX/XX/XXXX I was contacted by Bank America fraud department from texting number XXXX about 3 transactions at XXXX on my credit card. I replied to the text stating that I did not make those transactions immediately and followed their instructions to give them a call to protect my credit account. The card number was immediately closed and a fraud claim was filed for 3 transactions that totaled XXXX. Then I received a letter dated XX/XX/XXXX stating that they were denying my claim because " it is consistent with my account history ''. I have made 4 real purchases at XXXX during the whole of year XXXX not 3 purchases for the exact same amount on any specific day. I called again to dispute this claim again. Then I received a letter dated XX/XX/XXXX that once again denied my claim. This time the reasoning provided was that they confirmed that " While you personally didn't make the charge ( s ), we confirmed it was made by an authorized user on the account or someone who permission to use the card ''. This is not true so I called again and requested to learn how they were able to confirm this and requested that they once again reopen the investigation and provide me with the evidence that they have that proves I made these purchases. Then I received two additional letters both dated XX/XX/XXXX. The first one said that " You requested the documents we used to resolve your claim, but unfortunately there aren't any to send you. '' The second letter once again told me my claim was being denied " Based on your account history, this charge is consistent with the previous charges with this merchant. I am very frustrated because Bank of America was the ones who initially were able to determine that these charges were suspicious when they sent me those text back on XXXX and reached out to me to confirm them and I confirmed that they were fraudulent. But now they are try to claim I did make these charges but won't share there evidence with me other than stating I have a history with this vendor. I like most Americans have shopped at XXXX however 4 times is not like I have a strong history with them. I have a really hard time proving I didn't do something and they have not shared anything with me that would prove or even provide any evidence that I made these purchases and initially on XX/XX/XXXX Bank of America had reasons to believe that these were not my purchases. I would like Bank of America to resolve these fraudulent transactions in my favor.

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 2021-11-06
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. (AZ)

Complaint:
This is for the past issues I submitted regarding my consumer report. That Transunion failed to investigate 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation F ) 12 CFR Part 1016 - Privacy of Consumer Financial Information ( Regulation P ) 12 CFR Part 1022 - Fair Credit Reporting ( Regulation V ) as to my last complaint regarding the improper use of my credit card information using my social security number and other identifying data used containing my consumer report, has not give me proper notice under 12 CFR Part 1016 - Privacy of Consumer Financial Information ( Regulation P ) 1016.7 Form of opt out notice to consumers ; opt out methods 1022.54 Duties of users making written firm offers of credit or insurance based on information contained in consumer files, I gave Transunion written instructions under title 15 usc 1681b2 and has failed, nor have i received documentary evidence under 15 usc 44 of the investigation consumer report as defined in 15 usc 1681a ( a ) ( 1 ) ( e ). under 15 usc 1681a ( 2 ) ( i ) is questionable as well

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 2018-04-03
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: Credit Karma, LLC (FL)

Complaint:
XXXX XXXX, FL XXXX XXXX Inquiry from XX/XX/2017 XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2017 I do not recognize this at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

Complaint:
Experian is allowing XXXX XXXX XXXX to report my account as having a delinquency when the account is XXXX Protected. The account report shows a status of past due for 180 days late the account balance shows {$6800.00} which is incorrect. The account was never late but shows missed payments. XXXX XXXX agreed to keep my account in XXXX Protected status because of the pain and suffering that I experienced financially for the 2 years that they did not have me in XXXX XXXX protected status. They fixed the error but now they are trying to reverse it.

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 2019-02-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Io, Inc. (CA)

Complaint:
In late XXXX of XXXX, I noticed several open and reporting accounts on my credit report that I never received any notices about. During the process of investigating these debts, I sent a Debt Validation letter to XXXX   XXXX XXXX. This letter was dated the XXXX of XXXX, XXXX, and was received by a Ms. XXXX XXXX on the XXXX of XXXX, XXXX. 

It is now the XXXX of XXXX, XXXX. After almost three and a half months, this debt collection agency has had ample opportunity to not only respond to my request, but to investigate it themselves and, as my Debt Validation letter stated, cease reporting on the account until all investigation is complete. This account is still open, reporting, and I have never received any communication from XXXX XXXX XXXX regarding this debt or their attempt / willingness to investigate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31
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: Resurgent Capital Services L.P. (CA)

Complaint:
I have been attempting to work with Resurgent Capital regarding an account reporting on my credit reports as a result of Identity Theft. I have submitted numerous disputes and inquiries with the creditor, as well as the corresponding credit bureaus regarding this matter and have been unable to resolve it. This was first reported to Resurgent Capital over 6 months ago. They always claim their is " insufficient evidence to support my request. '' I have attached their most recent correspondence as well as my notarized paperwork I have both faxed and mailed them in response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST NATIONAL BANK OF OMAHA (MO)

Complaint:
I am a victim of identity theft. An identity theft used my personal information without my permission to apply a loan from the first national bank of Omaha, and theres monthly payment {$490.00} charged from bank since XX/XX/2021. The loan is not mine, I have enclose proof of my identity and a copy of my identity report. 
I discovered this XX/XX/2021 and report to XXXX  XXXX police department, case no XXXX and federal trade commission case XXXX and sent the report to the bank. 
the bank do not stop collect the loan that is not mine.

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 2018-11-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Complaint:
Sent previous dispute to collection agency along with previous correspondence informing the debt is not validated and that I do not have any delinquent accounts with creditor. Also reached out to creditor XX/XX/18 to confirm that there aren't any past due or charged off accounts. Any account I previously held with creditor has been paid in full and is reflected as such on my credit report and my current account with the creditor is in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Complaint:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TekCollect Inc. (TX)

Complaint:
XXXX XXXX perform a teeth cleaning. They told me the insurance will cover it. Then all the sudden I received from a debt collector {$870.00} dolls to collect. If I dont pay that will report me to credit union.  XXXX XXXX XXXX report it that I owe that money. I call them and they told me to give sensitive information. Assists social security number date. Then they try to enroll me to their credit union for a fee to protect me. All is a host and they have hurt my credit score

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

Complaint:
This company has been furnishing deceptive and incorrect address, that are being advertised. On XX/XX/2022 I sent a letter to the company, and it was sent back to me saying the address was incorrect when they clearly advertise this address on their website and XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (CO)

Complaint:
XXXX sent me numerous written warnings about an amount they claimed I owed that was not owed. I attempted to rectify this with them on multiple ocassions, and they remained unhelpful. This has now been sent to collections, and my credit has already been dinged. This sounds like a common illegal practice by this company, as there are class-action lawsuits in multiple states against them. I have joined the class-action suit in my state of Colorado.

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 2017-05-10
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (CT)

Complaint:
Gentlemen, In attempt to find out what has been affecting my credit score fo r 2 years exactly I 've come to discover a shady Adverse account used against me.   SYNCB/OLDNAVYDC is found to be behind the adverse informations.   Actually I can recall that I received a letter from  Old Navy,   XXXX   XXXX , Connecticut claiming some payment over some credit Card that I 've never applied for and that I have never received either. And right upon the scene I called the number provided and rejected all ties and all claims related to that creepy credit card ... I also asked them to cancel anything they might have regarding my address and my personal informations and since then I never heard anything from  old navy  Until I come to discover the report made against me.   I was 2 times in the store and paid cash whatever I bought and I remember They asked me if I wanted to file for the store reviews and I only gave them my email and names 2 years ago.   I do n't accept store credit card offers and I 've never applied for any type of store credit card which I do n't need.   Please look into this and bring me justice.   Thank you!     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 2019-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (SC)

Complaint:
I have reported Nordstrom to XXXX, XXXX, XXXX, asking them to Validate the debt of the amount {$520.00}. Under the fair credit reporting act as it is reporting inaccurate on my credit report. I started this process in XXXX 2018-present. I have even sent validation letters to Nordstrom and spoke with a representative, asking what information do they have on file, making me liable for this charge-off account, she informed me, nothing. This matters has not been taken seriously in validating this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
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. (CA)

Complaint:
I have been going back and forth with Equifax for over 2 months now. I have mailed them my Police Report, my FTC Identity Theft Report and my identifying documents as they requested. I have called and submitted disputes on. XX/XX/20, XX/XX/20 and today XX/XX/20. I was finally able to get some results on XX/XX/20 they deleted 3 of the fraudulent inquiries from my credit report but there are still 8 fraudulent inquiries currently being reported. This is a violation of the Fair Credit Reporting Act Sections 605B, 615 ( F ), 623 ( A ) ( 6 ). I want these inquiries removed immediately this has been completely frustrating dealing with this credit bureau and this has stopped me from getting approved for a mortgage and stopping me and my family from purchasing our home which is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

Complaint:
In early XX/XX/XXXX, while filing XX/XX/XXXX taxes, I realized that my private loan XXXX statement had no interest claimed on it. Upon further research into my payments ( interest amounts etc ) and research into obligatory reporting by lenders I found that several thousand dollars in interest SHOULD have been reported and were not. I contacted Navient, the lender and after sending them paperwork verifying that I was a XXXX XXXX XXXX AND the money was used for tuition/school related expenses ( they claimed it was not ) they did in fact issue an amended XXXX for XX/XX/XXXX. 

Realizing this had been the case for XX/XX/XXXX I then researched what interest I claimed on my taxes for XX/XX/XXXX for my private loans serviced by Navient. Although I was in school for part of the year in XX/XX/XXXX and had deferred my loans I still had payed well above the {$750.00} legally required for it to be reported ( in fact I paid close to {$3000.00} that year as well in private loan interest ). I made another phone call and they requested I submit the EXACT SAME FORM I had already submitted for XX/XX/XXXX-in fact there was nothing, whatsoever, that would have differentiated these 2 forms. Initially I was resistant to doing this again as it involved faxing these forms at MY expense of time and money to them and they already had signed proof that the money they loaned me was used for school while I was a XXXX XXXX XXXX. Over the course of XX/XX/XXXX through now ( XX/XX/XXXX ) I contacted them at least twice a month and submitted these forms for XX/XX/XXXX not once but twice and they have still not provided me with an amended XXXX for XX/XX/XXXX. Most recently I contacted them on XX/XX/XXXX and they said the form would be available by XX/XX/XXXX- this did not happen. I called today and they said it would be sent by email within 24-48 hours, the same story as all prior phone calls. Each time I call they tell me in 24-48 hours I will get an email with the amended form or that it will appear in the tax statements section of their website when I log in. I have spent many many hours on hold and on the phone with them for a form they have a legal obligation to provide to me with the correct interest amount on it and I believe they are simply running me around.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
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. (NJ)

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (NY)

Complaint:
this agencie are just hurting my files score and each month they flag me make my score go low eeach month or days. i try to fix this isue i dont know how they have access to personal files. and hurt ppl score. but they cant fix payments with companies. someone need to do something about I.C. SYSTEM, INC has flagged your account as Collections on 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
Consumer complaint received 2020-04-27
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. (TX)

Complaint:
Certified letters to validate or provide proof of the debt were mailed XXXX XXXX, 2020 to XXXX XXXX and XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
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. (GA)

Complaint:
In accordance with the Fair Credit Act XXXX XXXX XXXX ( Account # XXXX ), has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights 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.

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