hpe-ai/customer-complaints-eval.csv huggingface dataset:
Consumer complaint received 2017-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute
Company: DISCOVER BANK
State: NY

Complaint:
ON XXXX XXXX OF 2017 AS OF EASTERN TIME XXXX XXXX, AS A CITIZEN OF THE UNITED STATES AND XXXX TRIED TO OBTAIN A CREDIT CARD WITH DISCOVER. A REASON IN WHICH I FIND TO BE OBNOXIOUS SEEMS THAT THEY HAVE DECLINED ME DO TO CREDIT BUREAU INQUIRIES WHICH I FIND HIGHLY UNTRUE DUE TO THAT I HAVE N'T REQUEST FOR A CARD SINCE I JUST TURNED OF LEGAL AGE. ANOTHER ISSUE IS THAT WHEN SPEAKING TO AN AGENT OVER LIVE CHAT SPECIFICALLY AGENT XXXX CLAIMED TO HAVE APPROVED ME, I PROVIDED THE DOCUMENTS NEEDED, I HAVE TOLD THE AGENT I WANTED THE CARD EMAIL TO MY WORKPLACE SO HE ASKED FOR DOCUMENTATION WHEN I TRIED TO FOLLOW, IT SEEMED AS THE LIVE CHAT HAD ENDED. I THEN WHEN ON TO ASK ANOTHER AGENT AND THE AGENT WAS VERY UNHELPFUL AS TO GIVING ME A REASON WHY ONE IS DECLINING ME AND THE OTHER APPROVED ME AS WELL WHY HAVE ME SUBMIT ALL OF MY PERSONAL DOCUMENTATION. I FEEL AS THIS HAS BEEN A FREUD ON THE BEHAVE OF DISCOVER.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
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: NY

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
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: GA

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX Credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 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 non-monetary relief
Consumer complaint received 2020-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint:
Tried and thought we were approved for the deferment online. The website stated we were approved. One week later they sold our loan and stated our next month payment was due to the new company. I received an email asking to pay the current months bill but the website said I was approved for the deferment and we had a new mortgage company so I ignored the email. I have never been late and when I saw that they reported it to the credit companies they stated in a chat that others thought they were in deferment too and they ended the chat. I called and they said they couldnt fix the reporting and basically sorry about your luck. This is complete nonsense in a time like this!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
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: BMW Financial Services NA, LLC
State: CA

Complaint:
I have been the victim of identity theft, and my personal financial information has been utilized without my permission or knowledge to obtain credit, goods, and/or services on the above-mentioned account. I am requesting communication from you freeing me from accountability for this debt and notifying credit bureaus and collection agencies. I appreciate your upcoming consideration of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
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: IL

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  acct. # XXXX and, XXXX XXXX XXXX XXXX XXXX has violated my rights. They continue to send me paperwork for phones i've never had and they were sent to an address im not familiar with at all. Also, the contract has a computer typed signature ... This is not my account at all. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

These negative, not-valid, erroneous accounts have caused me tons of stress and caused me to lose employment opportunities an some increased fees and money in my life... PLEASE HELP CFPB.

Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Product: Debt collection 
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid
Company: CCS Financial Services, Inc.
State: CA

Complaint:
I DO NOT OWE THIS DEBT. NO MONEY IS OWED TO XXXX XXXX. XXXX  HAS BEEN REPEATEDLY NON RESPONSIVE TO ME. APPARENTLY, IT ALSO FAILED TO BILL INSURANCE AND IS IMPROPERLY AND UNLAWFULLY BILLING ME FOR XXXX XXXX XXXX 

CREDIT COLLECTION SERVICES UNLAWFULLY PLACED THIS COLLECTION ACCOUNT ON MY CREDIT BUREAU AND IS TRYING TO COLLECT ON A DEBT THAT IS NON EXISTENT AND UNLAWFUL. 

ITS ACTIONS IN DOING SO ESSENTIALLY AMOUNTS TO EXTORTION. I HAVE CALLED, EMAILED, LEFT MESSAGES TO NO AVAIL. 

XXXX  IS ENGAGING IN DECEPTIVE BUSINESS PRACTICES. 

IN ADDITION, SECTION 1681C ( A ) ( 5 ) REGULATES HOW LONG INFORMATION CAN REMAIN ON A CREDIT REPORT, BUT NO 1681C PROVISION REGULATES WHEN INFORMATION CAN INITIALLY BE INCLUDED IN A CREDIT REPORT. 

PLEASE SEE TO IT THAT THIS ISSUE IS IMMEDIATELY RESOLVED AND PLEASE INVESTIGATE FOR WIDESPREAD ABUSE. 

THANK YOU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Product: Debt collection 
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint:
In XXXX my car repossessed and the law office of XXXX, XXXX and XXXX took over the loan. I set up a payment plan of XXXX a month and I have never missed a payment as it is directly withdrawn. In XX/XX/XXXX I called to offer a settlement, they said I owed XXXX, I offered XXXX to settle. I was told that they would get back to me and I didn't hear anything from them. I still remained making payments. Then in XXXX of XXXX I called to make another settlement offer and they told me that I owed XXXX. I asked how that could be when the last time I called I owed less and it was showing my balance go down on the credit apps that I have, XXXX and XXXX XXXX. They told me that those apps don't show the correct information. But that still does not make up for the fact that my balance hasn't gone down and I've been making payments.

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 2022-02-11
Product: Debt collection 
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ

Complaint:
I contacted the collection agency on numerous occasions Portfolio Recovery us reporting this debt as a new debt they are reporting this debt as the date they purchase the debt from XXXX they are reporting XX/XX/XXXX as date which isnt true this collection was opened on XX/XX/XXXX this is a clear violation of the Fair Credit Reporting Act as it clearly states that that you can not report a charge off debt as the date your purchase the debt because they have altered the charge off date as the date purchase it is committing fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Product: Debt collection 
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: IN

Complaint:
This week several times I have gotten calls from Wells Fargo. They are wanting my school loan payment. Which is fine. But they call even after I have made a payment. They call often XXXX a day. 2 of which have no one there on the other line. Its offensive as I have made a payment. I spoke to a nice lady and she said she would file the report that I was getting excessive calls. Then the same hour I get calls. 

But to get calls with no one there on the other line is rude and Im sure illegal. 

I want to be called as a reminder of my payment. But not bullied.

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 2023-06-26
Product: Checking or savings account 
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint:
Overdraft fees being charged and ATM fees being charged twice

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: Improper use of your report
Sub-issue: Reporting company used your report improperly
Company: Jon Barry and Associates, Inc.
State: NC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Product: Student loan 
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NY

Complaint:
XX/XX/19 Auto pay benefits were cancelled because of one auto loan payment was reversed. 
I contacted the company but would not direct me to a supervisor. Giving me the run-around and putting Menon ridiculous wait times. 
I have suffient funds in my account. 

I have made loyal auto payments for the past few years and they cancel my benefits to lower my interest rate because of one incident. Navient was forced upon me and I have no choice but to agree to predatory terms and agreements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
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: Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint:
I wrote them requesting an investigation into items that I believed were not right I have not received a reply from you or any acknowledgment that an investigation has begun.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate
Company: General Motors Financial Company, Inc.
State: CA

Complaint:
On XX/XX/XXXX my vehicle XXXX XXXX XXXX was repossessed, at about XXXX, I immediately called Gm Financial to determine what monies I would need to pay to redeem my ve.hicle, the representative advised me to pay XXXX, which I did, the total amount came out to be XXXX including the service charge of the third party company, I was not fully advised of the details of what will happen once I redeemed my vehicle, in which I paid all fees and received my vehicle out of repo in less than 24hrs. I was in constant contact with the lender regarding my financial situation due to covid, my husband and I were unemployed during XXXX, and the business we had open was just getting off the ground as a restaurant caught in the pandemic issues. In XXXX my the vehicle was totaled, this week we were trying to get another vehicle is when I discovered that GM Financial had added to the credit report in a matter of days a repo on my credit report which prevented me from helping my daughter to purchase a vehicle, I called on the same day to speak with a manager in the finance department and was told that's what they do once a vehicle has been repossessed and then redeemed, I advised that this is an unfair practice, this is the first they have added this type of derogatory information to my credit report, and it was nothing they will be doing about removing this from my credit report. 
I do not believe this is fair to add this to my credit report, being that I redeemed my vehicle in less than 24 hours, so from XX/XX/XXXX the date of repo, date redeemed XXXX, repo information added by XX/XX/XXXX, I need help to have this removed, we have as a family dealth with a lot including losing my mother in XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
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: FL

Complaint:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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 block this information from my credit report. 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 non-monetary relief
Consumer complaint received 2023-05-01
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: Experian Information Solutions Inc.
State: FL

Complaint:
I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX  XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX  XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX  XXXX DPT EDXXXX 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 non-monetary relief
Consumer complaint received 2021-01-09
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: Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: LA

Complaint:
I have Filed a dispute in regards to incorrect items on my XX/XX/XXXX credit Report. it has been well over 30 days and i haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04
Product: Debt collection 
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt
Company: Hidden Oak Group, Inc.
State: MA

Complaint:
There are 2 related issues with this company ( collection/violation of Privacy ). I had an outstanding loan which I was told not to pay because the company had already written it off as Profit and loss ( meaning I should be receiving a tax form to include as income for my XX/XX/2019 taxes and that I would need to just pay taxes on the remaining balance-the company had already taken the loss ). The issue with this particular company XXXX XXXX XXXX starts on XX/XX/2019. I received a call from my husband questioning an outstanding loan. My husband told me he just received a call from someone named XXXX looking for me. My husband said he told XXXX he had the wrong number and identified himself as my husband. My husband gave XXXX my number and told him to contact me directly. XXXX then told my husband that he had attempted to contact me ( I had no messages of such ) and then asked my husband if he was aware that I owed this loan. My husbands reply was that he was not aware because we maintain our own finances. Once I received this call I contacted XXXX and recorded the conversation ( which he was aware of ). XXXX admitted clearly what he said to my husband and said he did not violate any privacy rights because Massachusetts allows for collection agencies to speak with a spouse - I explained to XXXX this was incorrect. I then told XXXX this was something I was instructed not to pay as it was already written off as loss by the loan agency so I didn't understand how his company obtained the file. XXXX insisted he was correct and that the company was in their rights. I have spoken to him at least 3 times since and explained that I was filing a complaint with the XXXX, CFPB, and Atty General as was advised by my Financial Counselor. I continue to get messages at least once a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Product: Debt collection 
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc.
State: CA

Complaint:
No contract. XXXX charged an early termination fee olus late charges when there was NO CONTRACT

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 2019-02-21
Product: Vehicle loan or lease 
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint:
hello I'm paying for a car loan too much interest of XXXX dollars a month just a little less than 50 % goes to the balance of the loan or is of interest charge XXXX dollars I've been paying almost a year XXXX and my balance shows that I paid just XXXX dollars Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint:
In the months of XX/XX/2021 and XX/XX/2021, I never received a bill from Nissan about my loan payment and therefore I was unable to pay the lease payment. As soon as I called them, I found out that I have an amount due and I paid it off right away. However, my credit score is still low and I am trying to get an apartment and I cant. I never had a late payment in the past and it is not my fault that this happened. Nissan forgot to update this information. Please remove this from my credit history. Nissan needs to update the payment in all major credit bureaus.Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
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: CBC Companies, Inc.
State: PA
Tags: Servicemember

Complaint:
Innovis is ignoring my dispute letter and they haven't manually went through my letter they are reporting false information on my credit report which is effecting my chance of getting a job position and chances of getting a home loan

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card
Company: Flagstar Bank, N.A.
State: WI

Complaint:
I have a lot of statements saying I payed for something I did not pay for and hotel rooms I was never in My bank is flagstar bank I was also sent false statements mailed to me I also changed cards I think someone got my routing number and account number I'm on XXXXXXXX XXXX XXXX XXXX  did not realize all this till now

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