hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-05-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BANCO POPULAR DE PUERTO RICO

Complaint:
On XX/XX/XXXX, I had to pay around {$900.00} for fees accrued in a loan with Popular Auto, Banco Popular of XXXX XXXX branch for vehicle loans. Merchant phone XXXX and XXXX I had already paid my vehicle loan and was a bit confused as to why I had never received the title. 

Upon contacting them, they told me that they have not sent me the title because I owed them $ XXXX as accrued fees for an extension they gave me back in XXXX when XXXX XXXX XXXX XXXX XXXX XXXX 

I explained that I never requested an extension or for them to stop my recurring car payments, as the payments were set to be deducted automatically every month. 

Their reply was that, back then, they did this across the board, even if the client wasn't informed that such action was being taken. 

Granted, most Puerto Ricans didn't have ways to communicate for months. That said, I never received a letter or a call letting me know that this action was being taken unilaterally. 

I had to pay the $ XXXX because I needed the title of my vehicle, but I had no chance. Otherwise, they told me that I was not going to have that said title. 

Right after I made the payment, I requested to be transferred to dispute the fees I had paid. It has been close to 3 months today since XXXX disputes the {$900.00} fees which, again, I paid with restraint, but haven't received a letter informing me about the decision. 

If my dispute was denied, I still want the $ XXXX I paid to be reimbursed. I don't believe it's fair for me to pay fees for an extension I did not requested. 

Silver lining : I did receive the title of the vehicle. 

Name : XXXX XXXX Last four of bank account : XXXX Contract # XXXX Plate : XXXX Cel XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
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 am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. 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 response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
XXXX XX/XX/XXXX reported my account 30 days late when in fact my account was paid on time I made a {$34.00} payment on XX/XX/XXXX due date XX/XX/20 then I made another also made a {$25.00} on XX/XX/XXXX. Another payment of {$490.00} on XX/XX/XXXX minimum due is {$27.00} XX/XX/XXXX closed my account and days I was 30 days late when my payment wasnt late I made more than the minimum payment XX/XX/XXXX reported XX/XX/2020 30 days late when my account was closed in XX/XX/2020 and paid off

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 2021-10-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia

Complaint:
After seeing a reported collections amount on my credit report in the amount of {$1000.00}. I contacted Credit Control Corporation to understand further. They sent me a bill of {$1300.00} on XX/XX/XXXX to which I sent a validation later via US mail on XX/XX/XXXX to their po box . It was not returned and thus assumed delivered as addressed. CCC has still not sent me a validation package validating this debt of {$1300.00} they say I owe. It's been over a month now, the collections item hasn't been investigated at all, nor have I recieved validation that I owe this debt. This reported collections bill has taken a toll on my everyday life as I am trying to find a home and I would like to get the issue resolved as quickly as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
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: WELLS FARGO & COMPANY

Complaint:
Wells Fargo has reported to XXXX, XXXX and XXXX that a payment were not received for {$280.00} on XX/XX/2015. My XXXX XXXX statements show that the payments were processed.

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 2018-10-23
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:
The following DEFICIENT claims of alleged inquiry lack one or more of the minimal requisites to reporting such as physically verifiable document proof of validity and certification of compliant reporting to include demonstrated lawful permissible purpose, REMOVE OR PROVE : XXXX SHOWS NO DATE AGAIN, absolutely None of the above listed ALLEGATIONS of inquiry meet MINIMAL CRITERIA to report and being deficient MUST BE REMOVED from reporting, TRUE OR NOT! Compliance of reporting laws is MANDATORY, NOT OPTIONAL so DELETE NOW or else PHYSICALLY attest to the certificating document facts of claim 's verifiable validity and complete perfect compliance of reporting, all data, every notation, dates and balances, reported or not. A person and or entity who knowingly and willfully falsifies a record or report required by this part may be subject to criminal penalties under 49 U.S.C. 21311. Per eoscar description, Metro 2 compliance is to be irrefutable in requisite as by your own descriptive definition of the automated web-based verification process from which you transfer and communicate information to and from in consideration concerning a consumer complaint of potential mis-information and or mis-reporting. DELETE derogatory claims or make display of a testimonial certificate in fact to the claims validity and its compliant reporting.

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 2021-01-26
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:
There is a creditor that I have listed in my complaint in which I have no idea who it is, or how they got my information. I don't know this account whatsoever and I demand that it needs to be removed immediately. I contacted this company and I am not getting any responses from them, nor do I have a signed contract with them. This needs to be deleted asap!

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 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I sent letters to the Credit Bureaus to remove the unauthorized inquiries and personal information that are found on my report. But still those inaccurate items are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; 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 2023-02-04
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: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
In accordance with the fair credit Reporting act XXXX  account # XXXX XXXX XXXX, has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : I also states, a consumer reporting agency can not furnish an account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an end consumer credit plan as late for and purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC

Complaint:
I received an insurance check from my Insurance company made payable to me and the mortgage company. The mortgage company signed the back of the check and returned it to me, to be deposited into my Etrade checking account. I submitted the check using the mobile banking app, as there is no physical branch in my state. The check was rejected, per email sent to me, because it was made payable to me and the mortgage company. I called Etrade bank and was informed they do not accept checks made payable to the account holder when someone else is listed as the payee and not listed jointly on the account. When someone receives a claim check related to a property insurance claim and a mortage is associated, the mortgage company will always be listed on the check as a joint payee. This bank has placed me in a difficult postion and I can not begin to rebuild my home until this check is deposited and funds are available. I am left we no option to deposit my check with Etrade because their system rejects the check when attempting to re-deposit. I reached out to the insurance carrier and they said never before has this happened to any other clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc

Complaint:
I had my son XX/XX/XXXX at the XXXX 's Hospital of XXXX. During this time I was living at XXXX XXXX XXXX XXXX XXXX, TX XXXX. However, my mailing address is my Mother 's XXXX XXXX XXXX XXXX, TX XXXX. I never received the hospital bill, and did not know what the insurance didn't pay until my credit was affected. Once I realized I had a balance at the hospital I paid it off in full to the hospital. The debt collection company XXXX was the debt collection agency in which was responsible for sending a notice of payment to the credit bureaus, in which I had been promised would be a paid and deletion letter. Where I am at fault is I never wrote down the name of the woman that gave me this promise.The account was updated to being paid on my credit report, however it was not deleted of my report as promised. I have been in contact with the company XXXX about this issue and I am not receiving a solution. Now the company is telling me " deleting accounts is against their company policy '' which conflict with the original promise of deletion. I spoke with a representative today that stated " We only delete accounts when it is our fault, and it is not our fault you didn't pay your bill. '' As rude and unnecessary as that comment was it holds some insight on the fact that the company does do deletions. I then spoke with a supervisor to try to get a better handle on the situation. I told supervisor XXXX that I was told the collection would be taken off of my credit and regardless of company policy, if people are being told that accounts are going to be taken off of their credit report and then it be false information that's negligence on the company 's part. XXXX then told me " We have offices all over the United States, and different departments " and therefore insinuating that because I do not know the name of the person I spoke to I do not have proof. I feel that this company needs to be investigated because if I received deceptive information to get me to pay a debt then I am sure there are others. I feel wronged that I paid almost XXXX dollars to get this account off my credit report and it is still on there. I am trying to buy a house for my family and this is preventing me from doing so. I went from having a XXXX to a XXXX credit score. It is the ONLY thing preventing me from purchasing a house. I feel so helpless in this situation and I am hoping something can be done not only for me, but others that have been lied to by this awful company. I am not only a single mother but an elementary school teacher in the city of XXXX, and I can't afford to have hire an attorney to help 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 2023-02-18
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2021 Reference # : 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 2022-07-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.

Complaint:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2022-09-24
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:
It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$73.00} XXXX  XXXX XXXX Balance : {$82.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$5400.00} XXXX XXXX  XXXX Balance : {$2300.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2022-04-19
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 WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 2023-02-14
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:
See Attachments ; You have violated my right to privacy

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 2020-10-24
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP

Complaint:
I was given a USBank ReliaCard that allows me to receive Pennsylvania Unemployment Insurance funds weekly as a result of Covid19 impact to my ability to work. I have two complaints about this Bank that have required extensive time to get a response from the USBank. My complaints : 1. REMOVING AND WITHHOLDING FUNDS ( {$1500.00} ) from my card and informing me that there was fraudulent use of my account. They have NOT redeposited  these funds back into my as of this date ( XX/XX/2020 ). I discussed this issue with the Customer Service Department the first week of this month.

2. HARRASSMENT OF THE CUSTOMER by requiring you to hold on the phone for at least hour before they connect you with a CS Representative ( CSR ). That CSD, after certifying that you are a customer, then transfers you to another CSD. I have been  DISCONNECTED by this second CSD 5 times in contacting this company over the last several months. I am required to start the process again again and wait for at least one hour until another CSD answers validates my name, etc. and hands me off to another CSD.

3. SENDING LETTERS WITHOUT BANK IDENTIFICATION : I have received several letters from Cardholder Services. These letters have the first four and last four numbers of my Debit Card and additional information. Two of them identified that there was  'fraudulent use ' of the card. No information about when these situations occurred.

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 2023-03-07
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 have accounts on my credit report that need to be looked into and removed from my credit profile. Please refer to attachments for further details on the issue on hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
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. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 2021-06-03
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:
They have refused to investigate and remove the unverifiable and inaccurate accounts from my file for over two months.

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