hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-07-11
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:
FCRA violations : payments never late XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/2022 Balance - Status Paid, Closed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Data Mortgage Inc.

Complaint:
on XXXX XXXX I put in a complaint for mortgage company Essex mortgage that was responded to, with them saying they sent my request through mail and provided cfpb with a copy and not through the portal for my protection. I have not received any documents for the documents i asked for, of debt validation. According to 15 usc 1692g debt validation, the company has 30 days to respond for the alleged debt. Essex mortgage has not responded with proper documentation or any documentation providing debt validation. Essex mortgage is a debt collector and are also not a financial institution who is able to give loans. There is no proof that this company has loaned me anything. This company violated the Truth in Lending Act by charging a down payment which is against 15 usc 1605.They are violating 15 usc 1692a Fair Debt collection Practices Act. This company is a perfect example of the illegal things these companies are doing by extorting consumers for their hard earned money. I've worked hard to provide for my family. Under 12 cfr 1431 banks aren't allowed to loan money and strictly take me as a fool with their illegal activities. This company has not recorded the deed of warranty and promissory note to county recording office as well which is a violation of federal law as well. I have recordings of no recording at the county recording office as well as a recording of a essex employee telling me they could not find my promissory note for 15 minutes of being on hold they returned with documents with a whole different loan number than mine. This company is in clear violations of laws that pertain to the Truth in Lending Act and shall be penalized as i intend to do with federal litigation. Also I have tried contacted employee named XXXX who did call me on XX/XX/2023 at XXXX to give her call at extension XXXX in which i received no response with messages,4 times as provided on my phone records. I also will be auditing this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.

Complaint:
IC Systems called about 3 months ago saying I had a collection out for an XXXX XXXX XXXX account I had opened in XXXX XXXX. The calls happened in XXXX and I had no previous notifications about outstanding debts ( i am very good about managing debt ). Naturally, I drove to XXXX XXXX XXXX to resolve whatever was on my account, but they had no recollection of any outstanding balances with them, nor could they trace the amount I was told I owed. I also asked them if they use small, family owned debt collection companies out of Minnesota, like IC Systems. They said no, they go through large, verified companies that collect debt and give ample time to take care of any debts and give several notifications before sending to collections, which was not done. They said I had partaken in a scam transaction for {$84.00} and some change. I immediately went to my bank and cancelled my card and reported a dispute for fraud on my account. 

It has been 2 months since this took place and today XXXX/XXXX/XXXX I get another call from IC systems in another state and city, with a different number and no voicemail left. From the first run in with them I knew they could n't have any credible information on me so I called back and told the man who picked up the phone that they are a scam and I am reporting them to the FBI and the BBB. He tried to tell me that they are a real company but I hung up. Several XXXX searches proved that IT IS A SCAM COMPANY. Some said it is a scam group posing as IC systems trying to get you to make payments over the phone, others said it was actually IC systems and they were scamming people. I am tired of the scares about collections and they need to be taken down.

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 2020-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.

Complaint:
On XX/XX/2020 I noticed 3 XXXX  transaction charges on my account all to the same number, totaling {$4000.00}. When I noticed this I immediately contacted chase to tell them I did not authorize any of the transactions and that my account was now overdrawn by {$4000.00}. I filed a claim with chase. On XX/XX/2020 I received a letter saying they will not give the money back because they think I authorized these transactions, which doesnt make any sense at all. Im not sure what they looked at to determine I authorized the transactions, but it doesnt matter because I did not do this. With a global pandemic and being a XXXX XXXX XXXX with two jobs, I can not afford to be {$4000.00} in debt for money that I did not transfer. I can not even receive my paychecks for my jobs because my direct deposit is wired to my now locked account, & theres complications with editing my direct deposit info with both jobs. Thanks to Chase, my account is now locked, and my account still overdrawn my {$4000.00}. I have been trying not to panic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
To whom it may concern, I have sent dispute letters to XXXX, Transunion and XXXX  to dispute and remove erroneous, inaccurate items on my credit report such as collections, late payments and charge offs that were not able to be accurately verified. 

All of the letters were sent certified with return receipts. Each letter was sent with copies of my drivers license and social security card to verify my identity. All letters certified receipts were signed and returned as proof of receipt of the dispute letters. 

1. Round 1 was sent in XX/XX/XXXX. 

2. Round 2 was sent in XX/XX/XXXX. 

3. Round 3 was sent in XX/XX/XXXX. 

4. Round 4 was sent in XX/XX/XXXX. 

I have charge offs remaining on each credit report from XXXX, Transunion and XXXX  for XXXX  XXXX XXXX, XXXX XXXX XXXX  and XXXX 's that still have not been accurately verified as my debts. I would like these erroneous, inaccurate items removed from each credit report with each credit bureau as they are inaccurate and damaging my credit report which is hindering my ability to get approved for lines of credit and loans.

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 2023-03-09
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.

Complaint:
Dear Transunion, I am writing to dispute the hard inquiries that appear on my credit report. According to my credit report, there are several hard inquiries made on my credit profile that I did not authorize, and I believe that they are affecting my credit score negatively. 

As a consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which grants me the right to dispute any inaccurate or incomplete information on my credit report. I understand that the FCRA also requires the credit bureaus to investigate any disputes within 30 days of receiving a dispute request. 

I have carefully reviewed my credit report and noticed that there are inquiries that I did not authorize. I have not applied for any new credit recently, and I am certain that I did not authorize these inquiries. Therefore, I request that you investigate and remove these unauthorized inquiries listed below from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 I request that you investigate and resolve this matter as soon as possible. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, 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 2022-08-05
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: Experian Information Solutions Inc.

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2023-03-20
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:
When I reviewed my credit report, I discovered that the information was erroneous. Transunion must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to be investigated and corrected for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX {$400000.00}

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 2020-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.

Complaint:
XXXX  and and experian has not updated the inquiries on there acct.

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 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance Corp.

Complaint:
I have been writing to Exeter Financial and the credit reporting agencies for months disputing the incorrect reporting that Exeter has put on my credit reports. Exeter is reporting late payments for months after my account with them was paid in full and closed. I received letters from Exeter stating that they are not willing to change their reporting on my credit report. This letter was sent certified mail with tracking # XXXX. I tracked the letter sent to Exeter to be sure that they received it. I have written to Exeter 's dispute dept, XXXX XXXX XXXX ( CEO ), XXXX XXXX ( President & COO ), and XXXX XXXX ( CFO ). Exeter absolutely refused to correct their reporting of this account. I have all the letters that i sent to them and all of the letters that they sent back stating that they would not correct their listing on my credit report. Under the Fair Credit Act this is illegal reporting and bad business practice. I have disputed this with XXXX, XXXX, and XXXX. I only get letters from all the agencies stating that the listing has been investigated and it is an accurate reporting. I know that this has not been investigated because it is clearly reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: F&M Capital LLC

Complaint:
On XX/XX/XXXX my brother received a voicemail from XXXX XXXX who stayed that she was with F & M Capital in the bad checks division. She said she had a formal complaint against my name and social security number, regarding a series of bad checks that were passed across state lines. She then called the store that I work at and spoke with the pharmacist who passed her off to the front end ( the department that I work in ). She started immediately asking a supervisor ( who actually works under me ) how she could go about garnishing my wages. She stated that she could not leave a voicemail because my mailbox was full. I verified that my mailbox was empty and then I called XXXX XXXX and asked her to provide me with a validation of this debt. She said that she had already sent mail, email, etc and I verified that she does have the correct information for me, however I have received nothing regarding this from them. She said that I owe {$2600.00} to XXXX XXXX XXXX from XX/XX/XXXX. I explained to her that I believe that this debt had already been paid and she told me that is the most ridiculous thing Ive ever heard! You need a lawyer because they are going to nail you to the wall! When I asked about her calling my place of employment she stated that she was simply verifying my employment so that she could move forward with the wage garnishment process. I explained to her that there is no HR Dept at the store level, only at corporate level and she said that she would be calling back to speak with my store manager at XXXX tomorrow. After our phone call, I signed into my XXXX account and it said there were no active accounts. I do believe this debt was paid years ago and I do not appreciate F and M capital calling myself, my family, and my work divulging personal information and making threats regarding a debt that I have yet to see validation for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.

Complaint:
I rec 'd a letter dated XX/XX/XXXX from XXXX XXXX, Citibank, XXXX XXXX XXXX, with a statement that they needed to confirm that this was a valid application that I submitted and it provided a 4-digit reference number. I did not apply for this card and do not use XXXX for my gas. 
Several days later, I rec 'd the credit card ( not dated ). 
On XX/XX/XXXX, I called the # on the letter, XXXX. They answered fraud dept. I proceeded to explain that I did not apply for this card. In order to verify me, they needed my name, last 4 of SS #, address, DOB. I have never had to provide my DOB over the phone to any existing creditor I use. I felt I was being asked for way too much information. I repeatedly said I was not trying to be difficult but just very leary that they needed all of this info and if this was legit. The " CSR '' seemed very short and defensive. I was reluctant and hung up. 
I then called the # on the back of the card, XXXX. They answered " Consumer Protection Services. '' I questioned why they answered that way if this was supposed to be a customer service number. I, once again, explained the situation & specifically told them I wanted to close the account. I was told again in order to verify they would need my name, last 4 of SS #, address, DOB, an e-mail and a password. I told them I did not have a pw. Since I did not sign up for this card, I did not set up an online account. I was told this was to verify when they called me. I asked if they could tell me if there were any charges on the card yet and when it was applied for/processed. To provide this information, they would still need all of the info I had listed. Again, they were very short and defensive. I hung up again. 
Within one minute, I rec 'd a call from XXXX and said they just spoke to me and were calling from the fraud department. It was not the same person. I did not provide any info. Looked up this # on-line while I was on the phone and there are many reports of this # being associated with a scam. I told them this and said I was hanging up. There was no re-assurance that they were legit, just an ok. 
It is a shame that these scammers are misrepresenting CitiBank and as consumers, we are paying, in some way ( higher interest, fees, etc ), for all of these companies to have to combat fraudulent activity.

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 2023-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY

Complaint:
When I would get paid every week and I would try to cash my check and they would tell me my account is closed when I didn't close my account and it would cost me XXXX dollars weekly until they could figure out what happen and this went on for a month and I just gave up on Wells Fargo and I would tell people not to bank with them so they wrote me a letter months later and I told them they caused me over XXXX  dollars to go elsewhere to cash my checks so I said forget Wells Fargo it's unfortunate for me

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 2021-12-06
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 filed a dispute and the investigation in regards to the incorrect information on my credit report. It took more than 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
Received a credit card denial letter from Kohls department store that I did not apply for. My 2021 taxes were also filed by someone else and I was unable to file. I want to be sure this request does not effect my credit and my identity has not been stolen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09
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.

Complaint:
The credit bureau is showing my XXXX account 30 days past due. This is inaccurate information. I have never been late

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 2022-10-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I purchased a used vehicle in XXXX finance with Capitol One Auto. I received a letter from them stating I owed {$1300.00} in late fees and interest, in addition to a deferment in XX/XX/XXXX. I had one deferment in XXXX and never did another. I called on XX/XX/XXXX, spoke with " XXXX '' who initially stated I had no late payments and when I informed him that I made a payment and could verify in my bank statement. I asked to speak to a supervisor and was told " XXXX '' was on another call. XXXX transferred me to a " Resolution Specialist '' who spoke with broken English and could not answer my questions regarding proof of late payments. Instead stated " XXXX '' late payments which is totally false. I asked to speak to someone who spoke English coherently, like their immediate supervisor and was today was holiday and no one else was there. Really. The rep disconnected that call when I told them I didn't appreciate being lied to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
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.

Complaint:
I have been requesting, since XX/XX/2020, verification of these alleged debts that Credit Bureaus keep reporting on my credit files. However, they have failed to investigate & obtain, as mandated by law, proof of such debts. Yet, they have continued to report & sell erroneous information about me. Credit Bureaus failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA, - they are required to promptly delete all information which can not be verified ''

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 2023-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.

Complaint:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

Company response to consumer: Closed with non-monetary relief