hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-08-02
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:
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. 

The letters are stated with items and issues. 

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: In progress
Consumer complaint received 2016-07-31
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Over a year and a half ago we started the process of buying a home. Our mortgage guy sent us to a credit repair co. They got the collection account from XXXX XXXX XXXX XXXX XXXX taken off my credit, because it was unverifiable. Now it is back on my credit. I have credit reports showing the trade line on and then off and now today it is currently on my report. When I called to verify the account with XXXX & XXXX they sent me a heavily redacted letter verifying absolutely nothing. I would like this unverifiable account taken off my credit and removed permanently. This should not be a loan I have to pay for if there is no verification that it is my debt. Attached are the credit reports and the letter of verification that was sent to 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 2022-11-11
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CARRINGTON MORTGAGE SERVICES, LLC

Complaint:
Spoke again to Carrington Mortgage Services today. I have listed CFPB as third party authorization on my account. They confirmed it. 
My account was in forberance, then I applied for Homeowner Assistance Fund thru Carrington and they did not put my account on hold during the process. They reported me late to all credit bureaus. My account still reported currently late after they recieved all payments and I already made XXXX and XXXX current payments. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION

Complaint:
XX/XX/XXXX USAA XXXX XXXX XXXX XXXX XXXX XXXX Business expert to review my case Follow Up my complaint to CFPB called and said " Temporary Credits are Permanet and Apply to Accounts " I apologize we disagree 1 ) Why are they called Temporary Credits IF THEY ARE PERMANET? 
2 ) On XX/XX/XXXX Statement Please explain what ( Total Credits ) Represent What Credits are Included in the amount of Total Credits? TRUTH in lending USAA STATEMENT of XX/XX/XXXX says CLEARLY ( TOTAL ) CREDITS APPLIED FOR THIS PERIOD {$910.00} 3 ) Please explain what ( Other ) Credits Represent ( {$2600.00} ) What credits are included in these? 
Am I to Add the ( total ) credit amount that is separated {$910.00} to the ( other credits ) {$2600.00} together FOR a *Real TOTAL of Credits.?? 

And please explain all the New Purchases I did NOT PURCHASE that say.Security of and An Amount Charged. to my Account No Explaination What these are NEW PURCHASES that I DID NOT PURCHASE FOR? There are {$1700.00} I HAVE NO IDEA WHAT THEY ARE FOR ** I KNOW I DID NOT CHARGE THEM

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA

Complaint:
XX/XX/2019 XXXX XXXX XXXX On Sunday XX/XX/2019 I am purchasing a pants through XXXX XXXX XXXX online and my XXXX XXXX XXXX didn't went through. I tried twice and I can not purchase anything by using the provided Credit Card Number to my XXXX XXXX. I decided to contact them through chat and they were asking all information regarding about my XXXX XXXX XXXX. They were asking also for a Bank Statements which I provided. However, I didn't noticed that it was only under my spouse name. I explained it to them through chat that we just recently moved to a new address and we didn't fixed it yet. I sent another Bank Statement which is only under my name.They replied and says Thank you for the information. After few minutes I received email from them and they closed my account. I called them and I spoke to different agent until I spoke to the supervisor on duty because I demand an answer to why they closed my account. Even the supervisor told me that she can not give me an answer to why they closed my account. I told her about the email I received that stating " Your XXXX XXXX account has been closed because : Failure to comply with the terms of the card member agreement or rewards agreement ''. I asked the supervisor what was the failure? ans she  told me that is not a question that I can not give you an answer. I believe that being a Card Holder I do have the right to know what was the reasons why they closed my account. I just asked a simple question that ended up closing my account without no reasons at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
Experian is in violation of my HIPPA rights. 

XXXX XXXX XXXX is also in violation of my HIPPA rights. 

XXXX XXXX XXXX is in violation of my HIPPA rights. 

XXXX XXXX XXXX is reporting invalidated, unverified debt to Experian. 

XXXX XXXX XXXX is selling invalidated, unverified debt to XXXX XXXX XXXX XXXX. 

Experian is reporting invalidated, unverified debt that is in violation of my HIPPA rights that was obtained from XXXX XXXX XXXX that was sold by 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 2023-07-20
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: Experian Information Solutions Inc.

Complaint:
This is my one of my numerous 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 an alleged fraud or extortion. 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 2023-07-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SG and Associates

Complaint:
Stafford Group and Associates bought a debt from XXXX XXXX  in the amount of {$5300.00} regarding a charger that I had purchased back in 2019 from XXXX XXXX ( XXXX XXXX  XXXX  ). Within a month, the car 's transmission faulted out and was covered by the warranty under the vehicle. Due to the fact the car was non-functioning XXXX XXXX  agreed to return my initial deposit and 1 payment that was made on the car. Because they gave me back my deposit and payment we signed paperwork completely dissolving the agreement that was signed, by mutual agreement. Stafford Group & Associates is now trying to collect on a debt that was dissolved. This is inaccurate, illegal and I have the paperwork from XXXX XXXX to prove this. I have never had any contact with Stafford Group & Associates either regarding this 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 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.

Complaint:
The following accounts are incorrect and they're adversely affecting my lively hood. 
account # XXXX. 
account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
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:
I am submitting a complaint to you today to notify you that I was the victim of identity theft. I studied on how to DELETE the fraudulent accounts from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to REMOVE these accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my authorization : XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX XXXX Balance : {$190.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$7500.00} ; XXXX XXXX XXXX XXXX XXXX : {$920.00} ; XXXX XXXX Balance : {$0.00} ; ( Original Creditor : XXXX AT XXXX ) XXXX Balance : {$4500.00} ; XXXX  XXXX Balance : {$56.00} ; XXXX XXXXXXXX Balance : {$110.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$4000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.

Complaint:
I have received calls almost everyday for a year about my credit card. I didn't even know I signed up for a credit card. I thought I was getting a membership and then I found out that it was a credit card. I accepted that I must have messed up somewhere and tried to pay it. But soon after I had my son and had to pay out of pocket for many of his medical bills. I didn't know until recently that this was harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
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: Experian Information Solutions Inc.

Complaint:
Despite the multiple previous written requests, the unverified items listed below still remain 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 these items are being reported correctly? Who verified these accounts? 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 ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

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 2020-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)

Complaint:
Car Hop Loan. I had to return the vehicle I was making payments on because it was a lemon. It was in the shop with repairs 2 out of the 3 months I had it. So i returned it and was paid up on my payments. I was not offered another vehicle or any compensation for not having any transportation. I was not told I owed anything. I did not recieve any further communications from them at all. Now I am seeing a public record of a settlement on my credit report.

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 2023-05-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc

Complaint:
XXXX is reporting a debt collection account on my report from HUNTER WARFIELD INC. This company never contacted me or reached out to me to properly verify that this debt is mine. I actually found out about the collection account when pulling my credit report. I also noticed on my report that this collection is being reported as an open account which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should 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 receipt by such agency of- ( 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 bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-07-04
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: EQUIFAX, INC.

Complaint:
I sent a letter previously ( XX/XX/2021 ), asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
This is XXXX XXXX, and I am submitting this complaint to inform the Credt Bureaus that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The XXXX, and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i and 605b, and continues to report unverified information without providing any proof required by law. The Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-01
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: NAVY FEDERAL CREDIT UNION

Complaint:
on XX/XX/XXXX opened account with, navy federal credit union. they started running hard inquiries they did three in one a month, two on same day XX/XX/XXXX and shared my information with XXXX XXXX that ran a hard inquiry with out my permission contacted navy federal to get them to stop.had to close account with them to get it to stop now I have 4 hard inquiries on my credit report and my score has been lowered need this removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: FIRST HAWAIIAN, INC.

Complaint:
I opted to share this situation because its important that the community knows how bad greed has permeated at this financial institution. First Hawaiian Bank is literally taking money from me each month, and I have tried a number of times to stop it. Unfortunately, I have my life insurance tied to the account ; therefore, I can not close it. Its not hard to imagine a group of banking executives at First Hawaiian Bank scheming about increasing profits setting up fees, rules and policies to game the system. In essence, my bank is charging me an online fee for no reason. I have tried to rectify the situation and they tell me that it is my fault ; I must have clicked on something on their website to trigger a charge. I called to stop the monthly leakage in my budget after being on hold for hours ( it has been several calls over the last few months, this fee re-emerges ). It has been over a year, and I have tried a number of times even talking to the bank manager after several calls to the service center and online inquiries. I believe that the bank has gamed the system with rules that they make up to basically funnel more money to their coffers. First Hawaiian Bank should be ashamed. If you look into this policy and their explanation of it, it is a circular argument intended to take advantage of the situation. PLEASE PLEASE LOOK INTO IT. For any consumer thinking about doing business with First Hawaiian Bank, please know that once youre in, they will take advantage of you!

Company response to consumer: Closed with explanation