hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2020-07-11
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The CMI Group, Inc.

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L   Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond,  within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE Please delete this account from all 3 credit bureaus immediately. I would also need a copy of your Tax Registration Certificate!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

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

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 2020-04-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.

Complaint:
I keep telling CITI bank cards that account is NOT mine! They keep harassing me. Adding charges that I have no knowledge of. This isnt right!!

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 2022-07-13
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: EQUIFAX, INC.

Complaint:
I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}. 

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 UPDATE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY

Complaint:
The overdraft fee is to high so when u get paid u dont have any money left after paying the fees

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 2019-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.

Complaint:
When applying for a loan in 2015. I was denied due to Equifax not reporting my credit. The loan agent sent me a document from XXXX stating I could request a suppression on my credit. I never requested one. 

For a few years I have been trying to resolve this issue with Equifax, they claim I do not exist or can not verify who I am. I have sent them all of my documents confirming who I am. 

My XXXX and XXXX credit is fine. They both receive the info from my lender on my auto loan. The lender sends the info to all three bureaus. XXXX XXXX sends my info to all three bureaus, but again Equifax does not report it. 

This problem has kept me from purchasing vehicles, a house, I couldn't even go buy a new washer and dryer. When I went to a local store to buy new appliances they claimed I had no credit, then they asked me to confirm my identity, I did. And they proceeded to tell me the information does not match with my social security number and that I show up as a woman living in Utah. Which is incorrect. I have never lived in Utah, and I am male. 

It's extremely frustrating that I pay my bills on time and have good credit with the other 2 credit bureaus, to turn around and be denied a loan because of an apparent mistake on Equifax ' part. 

Any information I can get to solve or help determine what happened would be great. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I have contacted Transunion several times via phone online, and via first class mailings on many occasions in regard to inquiries that was placed in my name that did not belong to me and that I did not authorize, and I am not familiar with. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have numerous inquiries that does not belong to me reporting inaccurately. I have disputed and reached out to XXXX   several times and they say the same thing over and over. The companies either need to send proof or validation or it needs to be removed. These inquiries do not belong to me. I've done the FTC Identity theft report ( XXXX ), I've called Transunion and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was taking care of it only to find out she had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following inquiries are what is being reported : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX. I have even sent copies from XXXX XXXX XXXX showing that they deleted items that Transunion keeps saying verified. How can they all be using the same information, but some bureaus are correcting items & the other is saying verified which is totally incorrect.

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 2019-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
It's not my accounts and inquiries.I never applied for it. I never sign anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Harvard Collections, LLC

Complaint:
ONCE AGAIN HARVARD COLLECTIONS ARE COLLECTING DISCHARGED DEBT LISTED IN CASE XXXX DISCHARGED XX/XX/2018. STATE OF ILLINOIS IS ALSO COLLECTING ON BARRED ACCOUNTS WHERE THE S.O.L EXPIRED ON BACK TAXES. SEE ATTACHED .WE ARE NOW GOING TO FILE A CLASS ACTION EFFORT SOON!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.

Complaint:
On or about XX/XX/XXXX, XXXX Bank started the transfer of their loans to PNC Bank, with PNC Bank taking over on XXXX XXXX. We had an auto loan with BBVA, with our payments on automatic draft. We were unaware and not notified of this change. Our drafts stopped, so we mailed checks to BBVA, with all of them being returned. We did our own research and found out what change had taken place, so we asked for the correct mailing address for payments, PNC could not give me any info on my loan, including payoff, payment or loan balance. I sent payments, and they were also returned. In XX/XX/XXXX, PNC Bank reported our account as a charge off, after PNC sent a repossession company to pick my vehicle up and receiving money over the phone from my checking account, along with XXXX mths of payments setup for draft, to catch up the payments we had tried to so desperately send to both banks for several months. We were also unaware the reported a charge off on this account until we called for a payoff on XXXX XXXX and the dealership said they couldnt pay a charge off account and PNC would not give them a payoff amount or why it was charged off. I want this charge off removed from all credit report agencies immediately, as I feel as if PNC Bank and BBVA Bank failed to notify us of such a drastic change, leaving us in the dark of where payments needed to be sent, or that our loan had even been transferred to them. PNC Bank did not have our correct address in their system either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
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:
Ive tried multiple times having these items remove from my consumer report and nothing has been done about it under the federal law it clearly states that I have a right to privacy as it is there grave responsibly well as they had no promissible purpose to furnish these my personal information has been put into the world. 
15 usc 1681b ( 2 ) - a consumer reporting agency may furnish a consumer report under the following in accordance with the written instructions of the consumer 15 usc 1681a ( 4 ) -congressional findings there is a need to insure agencies exercise their grave responsibility with fairness impartiality and respect for the consumer right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
Accounts that are not mine are being reported on my credit report XXXX there is no balance but this account does not belong to me. 
XXXX XXXX balance {$750.00} being reported but account is not mine. 
XXXX account does not belong to me. 

Paid for deletion and is still being reported : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) {$180.00} XXXX XXXX was included in bankruptcy but still being reported negatively. 
XXXX XXXX XXXX  payment history being reported inaccurately. 30 day late payment. Account was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
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:
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. Account name : Account Number XXXX XXXX Account Status COLLECTION Owner INDIVIDUAL Account Type OTHER Creditor Classification Loan Type Original Creditor Name Months Reviewed XXXX Activity Designator CLOSED Terms Frequency Term Duration Purchased From Sold To Balance and Amounts Balance {$1400.00} XXXX XXXX XXXX XXXX {$0.00} Available Credit Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$36.00} Amount {$83.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/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  Last Payment Date Date of First Delinquency XX/XX/XXXX Comments XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XXXXXXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$73.00} Amount {$73.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last Payment Date Date of First Delinquency XXXX XXXX, XXXX Comments XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Assigned XXXX XXXX, XXXX Original Amount Owed {$54.00} Amount {$54.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Last Payment Date Date of First Delinquency XX/XX/XXXX Comments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MD 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 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 know

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC.

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorize on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint:
I, XXXX XXXX XXXX, Consumer, did not give XXXX XXXX  XXXX my lawful written consent to disclose my nonpublic personal information to any nonaffiliated third parties. I am aware that Equifax XXXX XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX are nonaffiliated third parties. Furthermore, XXXXXXXX XXXX XXXX is providing inaccurate information to these nonaffiliated third parties. Neither XXXX XXXX XXXX, the consumer in which the report relates to, nor a court of competent jurisdiction issue an order for such information to be reported onto any consumer report of XXXX XXXX XXXX, Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.

Complaint:
Ally Financial has done everything wrong since I took out this loan in XX/XX/2022 the contract interest rate was increased they bagged gap when I put over 1/3 down they didnt change the payment date as promised so I incurred late fees and credit report lates they didnt include the registration fees for over XXXX dollars they added a additional warranty and when the fees were challenged they company refunded them to the loan but no credit to me, I have called emailed and sent certified letters no one calls back I have now hundreds of hours trying to solve issue and no one answered the phone I think they may be out of business and overseas call center is all they have left please help l the last correspondence was over a month ago saying that they received my certified letter and will look into it but still no response and I need a physical address to serve my small claims action and they refuse to provide me one

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 2018-08-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.

Complaint:
I previously made a complaint about a collections company representing XXXX XXXX XXXX company regarding an auto insurance policy that I canceled. A few months after I canceled the policy the company, XXXX XXXX contracted a debt collector that made allegations that I owe {$1700.00}. I questioned the accuracy of this balance since I paid monthly and canceled the policy before the coverage expired. I also asked the company to send me a breakdown of these charges so I can verify accuracy of what they are alleging I owe. This collections company did not send me this information, and also stated in the last complaint that they would stop contacting me as this debt is not valid because they can show no proof or breakdown on what it consist of. After they made this claim, I received another letter dated XX/XX/18 that also stated I owed this same amount with no description of what this debt actually consists of, with no breakdown whatsoever. This company clearly has no respect or concern for the statement they made to the CFPB regarding them no longer contacting me in regards to XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
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:
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. 

Account name : XXXX XXXX # XXXX Account name : XXXXXXXX XXXX # XXXX Account name : # XXXX Account name : XXXX XXXX Account name : # XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX # XXXX ALL 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services

Complaint:
I have an XXXX Consolidation Loan being serviced by ACS Education. I filed a complaint back in XXXX and they reduced my outstanding balance by approximately {$1500.00} as they saw XXXX of the discrepancies I complained about. They also lowered my monthly level payment by {$75.00} dollars. HOWEVER, now they have INCREASED the amount of accrued interest from month to month, so that XXXX of my payment goes to principal, which was part of my original complaint! They sent an explanation in response to my previous complaint and then took other action to keep XXXX me. This is UNACCEPTABLE as it has been 14 years since I graduated from school and will end up paying $ XXXX for my education!!!!!!!!!! Please help! They have to allow me to pay off the balance so that SOME DAY it will be paid off. 
Please help.

Company response to consumer: Closed with explanation