hpe-ai/customer-complaints-eval.csv huggingface dataset:
Consumer complaint received 2021-08-27
Product: Checking or savings account 
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors
Company: WELLS FARGO & COMPANY
State: NC

Complaint:
I had deposited a check for an insurance claim and didnt know that the wrong check was sent to me, leaving me with a huge negative balance of course I spoke to my bank explaining the check I received was to be sent to the towing company and they got my check. This was going to take some time to clear up but Im was not trying to accrue all the NFS fees and I had my stimulus checks to deposit but wasnt going to if they couldnt get the NFS fees removed. They agreed and everything was great. Until they literally just ripped out {$760.00} out of my account a whole month later screwing up my account and money! They refused to give my money back and I cant understand how they can do that!

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 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint:
XXXX sent letter to Equifax XXXX sent letter to XXXX Equifax, XXXX, and XXXX are all showing a Hard Inquiry from a Company XXXX XXXX, for XXXX XXXX XXXX. I don't know who this entity is, and have never done any business with them, nor do Ihave no accounts with them. I sent letters executing my XXXX rights under the FCRA to Equifax, and XXXX. I Have called XXXX, Equifax, and XXXX multiple times asking them to please remove this from my credit report. Every time I ask them kindly on the phone to remove the inquiry they tell me its not my right to do this, and that I the consumer need to call the company reporting this and fix the problem. I do not know who this company/persons are. It is the XXXX XXXX XXXX who must report accurate information. Now I have an inquiry on my report that looks like i was shopping for houses when i was never in a position to do this. I don't know how this was ever disputed found as fact correct. I feel like the Bureau 's are taking advantage of my XXXX rights when they are not protecting me, the consumer. They just take XXXX XXXX 's word. I guarantee they have not sent any contract or paperwork with my signature proving to the Agencies that this is factual.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away
Company: Checkr, Inc
State: LA

Complaint:
Checkr Background Check XXXX  Showing adverse actions over 7 years old on background reports for employment. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disposition Date : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Product: Checking or savings account 
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA
Tags: Older American

Complaint:
I live in a poor neighborhood, and Wells Fargo has abandoned my neighborhood. This is an act of XXXX XXXX XXXX XXXX 

My neighborhood branch of Wells Fargo XXXX XXXX XXXX XXXX ) has not been open for over a month. As of XX/XX/2022 the ATMs at my neighborhood branch are out of cash. I spoke to the following Wells Fargo reps on the telephone on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX None of these reps stated that the problem would be resolved. All three reps advised me to travel to another branch when I need to use an ATM.

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 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint:
I have reached out to this company several times via mail about VALIDATING this alleged account they claim belongs to me. I have received no response. I also called and they want me to give them my personal information just to inquire about an account they have listed on my credit report. I would like this account removed ASAP. I am needing to purchase a home for my children and myself and this account is holding me back. According to the law anything that is reported must be 100 % accurate and I have yet to receive anything bearing my signature in agreeance with this alleged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint:
I HAVE MOVED FROM XXXX XXXX BACK TO XXXX  I SEEN THAT SOMEONE HAS ACCESS MY PERSONAL CREDIT FILES AND I HAD LOST MY ID A WHILE AGO. I WANT TO PROTECT MY CREDIT FILE AS MUCH AS I CAN. SOMEONE IN XXXX XXXX   HAS BEEN USING MY NAME A SS CARD NUMBER TO APPLY I REQUESTED SEVERAL LEGAL DOCUMENTS AND HAVE NOT RECEIVED ANY-THING. I AM A VICTIM OF FRAUD. I PULLED MY CREDIT REPORT AND FOUND SEVERAL ACCOUNTS ON MY REPORT THAT DO NOT BELONG TO ME. THE AC-COUNTS LISTED BELOW DO NOT BELONG TO ME : 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 2017-11-29
Product: Debt collection 
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint:
I have attempted to dispute the debt of {$440.00} as it appears on my credit report ( s ) by sending a debt validation letter via certified mail in XXXX XXXX. The collection agency, TransWorld, Inc., responded by sending an itemized statement of services. I am bothered by this as this does not prove the debt belongs to me. My signature was not present on the document and this statement did not prove validation or ownership of the alleged account. It is also a violation of HIPAA laws as the aforementioned document disclosed PHI without a signed consent to release information. This is an illegal and reprehensible way to conduct business. If this dispute is not resoled, I may be forced to take legal action against TransWorld, Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect
Company: EQUIFAX, INC.
State: DE

Complaint:
My name is  XXXX   XXXX  not  XXXX   XXXX  and my address is  XXXX   XXXX   XXXX   XXXX    XXXX   del  XXXX  not  XXXX    XXXX   XXXX   XXXX    del  XXXX   XXXX   XXXX   XXXX    XXXX   del  XXXX   XXXX   XXXX    XXXX   de  XXXX , and the last for digit of my social is  XXXX  not  XXXX , and my phone number is  XXXX  not  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint:
I called your department after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there was CHARGE OFF account on my credit report. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove this charge off from my personal profile. A copy of my XXXX XXXX, drivers License, and SS Number are all included in this written request. Please help me resolve this issue as soon as possible. I found that under section 605b ( a ) Experian shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given t
hat term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}.

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 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$7200.00} XXXX  XXXX Balance : {$7500.00} XXXX XXXX XXXX Balance XXXX {$25000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$210.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} XXXXXXXX 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 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every XXXX, XXXX and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXXXXXX Date Opened XX/XX/2014 Balance {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24
Product: Debt collection 
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint:
The creditor never allowed me the opportunity in writing or otherwise to validate the debt. They moved forward with a lawsuit without allowing me to dispute the validity of the 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 explanation
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint:
XXXX filing a complaint to you today to inform you I was the victim of identity theft and I want the erroneous items in my credit report to be removed immediately. I already sent the necessary documents and files in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this website. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX 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 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 XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-07
Product: Vehicle loan or lease 
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off
Company: Mercedes Benz Financial Services
State: NY

Complaint:
Purchased a needed XXXX XXXX matic for $ XXXX with $ XXXX as deposit and $ XXXX in XX/XX/XXXX. There interest rate was manipulate and inaccurate Federal Truth In lending disclosure. Car was paid off infull and forcefully entry used to take my car away by XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX when upon lemo law mediation been setup by the State. The car did not have any emission record and it was lemo within first 90 days of purchased. Over paid for the car. The sales representative XXXX XXXX XXXX it at sovereign motor cars.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint:
Credit reporting agency is reporting in accurate personal information.

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 2018-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint:
TD Bank/XXXX XXXX stated they would correct my status as paid on all three credit reporting companies, and they did correct on XXXX  and XXXX but not XXXX. XXXX  report has negative report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint:
There are unauthorized inquiries on my credit report from the following institutions : XXXX XXXX  ( Bank ) XX/XX/2023 XXXX XXXX ( Bank ) XX/XX/2023 XXXX  XXXX ( Bank ) XX/XX/2023 XXXX  XXXX XXXX ( Bank ) XX/XX/2023 XXXX XXXX  ( Bank ) XX/XX/2023 XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, 2023

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 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint:
Made many attempts since XX/XX/2021 to have outdated personal information updated and it still appears on current credit report today.

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 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$5800.00} XXXX XXXX {$920.00} XXXX XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX XXXX {$33000.00} XXXX/XXXX   XXXX {$420.00} XXXX XXXX XXXX XXXX {$610.00} DPT ED/XXXX XXXXXXXX {$180000.00} USDOE/XXXX XXXX {$11000.00} XXXX XXXX   XXXX {$990.00} XXXX XXXX XXXX {$210.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Product: Student loan 
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments
Company: Earnest Inc.
State: PA

Complaint:
I refinanced my private and federal student loans through Earnest. I feel the company took advantage of me by knowing my expenses and monthly income and charging me a very high monthly rate. Right now the amount I am expected to pay is 30 % of my monthly income which is very hard for me to afford. I have contacted them numerous times in which they only gave me forbearance for 3 months which does not solve my long term problem. This student debt is a heavy burden on me and it takes most of my monthly income leaving me just being able to pay my bills and barely afford to live at a normal means. They have offered me no other options besides this 3 month forbearance or acquiring a whole new loan that only lowers my monthly payments by {$100.00} and increases my total loan by {$30000.00} more.

Company response to consumer: Closed with explanation