hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2018-03-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Constar Financial Services, LLC

Complaint:
On or about two weeks ago, this company begin to call me repeatedly about a debt/collection via XXXX XXXX Account. I advise the gentleman that this account was already disputed many months ago with XXXX XXXX as the result of Identity theft. The accounts were removed from my reports and then I started receiving these notices. I explained to someone named XXXX or XXXX ( spelling ) that I had copies of Police reports and my ID Theft Affidavit. He became rude and kept saying I owed the debt and I needed to pay up or else. I hung up on him and never heard anything back from this company until i received this notice in the mail from Constar Financial Services and again it's regarding the same matter. 

This company is not taking measures to protect me and has been constantly calling me regarding this up till I received the notice in the mail of an attempt to collect a debt and this could possibly go on my credit. 

Please be advised that I am again attaching docs to prove what i further stated before. This was the result of identity theft I clearly am requesting this company to stop harrassing me regarding this alleged debt and furthermore I am not authorizing them to insert any actions on my creidt reports as this is clearly not my account. I have current ID Theft reports in place on my credit reports, but CONSTAR STILL REQUESTED my credit report from XXXX and XXXX, although I did not give authorization to do so.

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 2022-08-18
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:
I will be filing a civil lawsuit for violations of my federally constituted rights under 15 USC 1681 I will be seeking {$1000.00} dollars per violation. As noted there are at least 4 violations committed by XXXX Credit Bureau, and Equifax Credit bureau It is my request to the delete the accounts or pay me {$1000.00} dollars per violation ) 15 USC 1681section 602 ( A ), 15 USC 1681 section 604 ( A ) 2, 15 USC 1681c ( a ) ( 5 ) 15 usc 1681s-2 ( A ) ( 1 ) in accordance with The Fair Credit Reporting Act. CFPD Submitted in complaint # XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TIDEWATER FINANCE COMPANY, INC.

Complaint:
I originally purchase the car through XXXX XXXX on XXXX the loan amount was different and I had to come back in and resign for a different amount after I had already taken possession and they had sold my trade in so I was forced to keep the car. I was told that the payments wouldnt start until 6 months later then called 45 days into the loan telling me that I was late I was confused. My payments went up from XXXX to XXXX a month I my car was surrendered and they have sold the vehicle and still showing I owe the entire the balance and monthly interest being reported monthly which is affecting my credit. They are telling me this is legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.

Complaint:
Several times I have tried both online and via phone call to get my FREE credit report from Equifax. Today, XX/XX/2018, I tried again with no success. 

When I called Equifax 's number, XXXX, I was told I needed to get my report through XXXX XXXX ( NOT Equifax ). I was unsuccessful setting up a XXXX XXXX online account due to problems with their website, so no report was sent. 

When I tried to get an online copy from Equifax, www.equifax.com/fcra, I was denied ( no reason given ) and was given instruction to contact Equifax. Contacting Equifax just puts me back to creating a XXXX XXXX account. It 's a loop to no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aldridge PIte Haan, LLP

Complaint:
ALDRIDGE PITE AND HAAN HAS BEEN DEDUCTING XXXX FROM MY ACCOUNT, CAUSING MY ACCOUNT TO BE OVERDRAWN. I'VE CALLED THIS LAW FIRM TWICE AND TOLD THEM I'D PAY XXXX PER MONTH, YET THEY DIDN'T CANCEL THE AUTODRAFT AND STILL HAVE ACCESS TO MY CHECKING ACCOUNT. { THEIR PHONE CALLS ARE RECORDED, SO THEY HAVE THE TAPES ON FILE. } I HAVE TO PAY OVERDRAFT FEES AND THEY CALL MY HOME DAILY. I SEND THE XXXX PAYMENT VIA CERTIFICATE OF MAILING, WHICH IS LEGAL DOCUMENT, AND STILL THEY ACCESS MY ACCOUNT, TRYING TO DEDUCT A XXXX PAYMENT THAT I CANCELED IN 2017. ALDRIDGE AND PITE HAS BEEN DOING THIS MONTHLY. THEY ARE ILLEGALLY ACCESSING MY CHECKING ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
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:
On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action 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 2016-02-25
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Heavner, Beyers & Mihlar LLC

Complaint:
On XXXX XXXX 2016 at XXXX there was a call place to Heavner, Beyers & Mihlar, LLC in regards to my account according to the caller they spoke with an employee by the name of XXXX, she proceeded to disclose information in regards to my account such as the beginning balance to how much is left the amount paid in and the last payment received without verifying the identity of the caller, when ask their company procedure when verifying the consumer befor releasing information she stated the caller said their name and according to the FDCPA she has violated the third party disclosure act. I am currently employed as a debt collector and know that puts not only the debt collector as well and the employers in financial risks.. so if at all possible can u direct me to whom or where I can go to seek monetary fines in relation to this violation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
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: Experian Information Solutions Inc.

Complaint:
I am a victim of identity theft please remove this fraud inquiry from 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 non-monetary relief
Consumer complaint received 2019-03-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.

Complaint:
I have an account with a collection agency named SW credit systems that was placed on XX/XX/2018. Account # XXXX. This account is apparently a satellite dish service that does not belong to me. The original creditor lists as XXXX. I have never had satelite services.The account is showing a balance of {$720.00}. I have disputed this twice now. The only response I have ever received is a bill. I have asked for original documents that I would have signed or a copy of my identification. The only thing I have ever received back was a bill and them stating the account has been verified. If there is anything you can do to assist me in the matter I would greatly appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC.

Complaint:
On XX/XX/XXXX, my husband and I sent a letter to Equifax, asking them to investigate errors on our credit report. Our understanding was that Equifax was supposed to respond within 30 days. Well, my husband received his investigation results from Equifax weeks ago, but I have yet to receive my investigation results. I have sent a follow-up letter to Equifax about this, but that hasn't been responded to either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)

Complaint:
Community Loan Servicing, ( XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, FL XXXX ), phone XXXX, had our mortgage over a period of time and it was a complete nightmare. I was constantly calling to have late charges removed because they were added to our monthly statements and the account was never late. They continuously tried to say they did not receive my payment on time when I have the cancelled checks to prove it was received timely. They attempted to add extra homeowners insurance to my mortgage several times ( when they had proof and a copy of the policy I have through XXXX XXXX for over 20 years ) and the insurance had never escrowed in from the beginning of the loan. They changed the owner of the loan from my name to the estate of.. my deceased father, and I could not get anyone to help or even talk to me about the loan. The loan has been in my name from the beginning, so not sure what happened or why they changed it. Im still trying to reach someone there that will actually help me to get things straightened out even now after they have sold our loan to another servicer. This loan with Community Loan Servicing is showing still open and late on my credit report to this day and is ruining my credit. Ive been trying to resolve this for months to no avail. Its time to get an attorney involved if this can not be resolved within the next 5 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
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:
On XX/XX/XXXX A Townhouse in which I owned was sold through the Deed and Lieu process with XXXX XXXX XXXX. XXXX XXXX documented the sale of the property on XXXX. The XXXX is a federal tax document which was submitted to the IRS. 

However, XXXX XXXX continues to report to the 3 credit bureaus that I did not make payments on the aforementioned loan in the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. According to the document submitted to the IRS the property was sold on XX/XX/XXXX, thus legally I was no longer required to make payments on the loan because I no longer owned the property. 


XXXX XXXX continued reporting that I was 120 days late on this loan is incorrect and in violation of federal law. I have emails as well from XXXX XXXX articulating that the Townhouse was sold on XX/XX/XXXX and they were just waiting for the County to process the DEED. However, I as the consumer have nothing to do with the County once XXXX XXXX accepted the money from the investor, I was no longer required to make any payments on the aforementioned loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
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: EQUIFAX, INC.

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX Balance : {$1100.00} ; XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00} ; XXXX  XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$230.00} ; XXXX XXXX  ( XXXX : XXXX XXXX  XXXX XXXX Balance : {$230.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX/XXXX  XX/XX/2022 ; XXXX XXXX  XXXX/XXXX/XXXX  ; XXXX XXXX XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX ; XXXX XXXX XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
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:
accounts were created from unauthorized use of my social security and i did not consent to, authorize nor benefit from any of the following I plus these are negative item created under my social security number block and remove them.

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 2020-12-29
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 am submitting this request for the following reasons : 1. I have not received a response regarding the incorrect information on my credit report from the credit reporting agencies in many, many months ...

2. There are late payments on my credit report but I was never late on these accounts 3. There is incorrect or old information on my credit report that should not be there ... 
I have properly notified XXXX, XXXX  and Equifax regarding these issues multiple times, however, the incorrect information is still showing up and I don't know what else to do at this point. I am not receiving any information ...

Company response to consumer: Closed with explanation
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 — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC

Complaint:
My wife and I had a personal load from XXXX that was paid on time twice a month automatically taken out of my checking account.I received notice that they were closing there offices and my loan was going to be handled from another company which says to me that this debt was going to be bought from another company. All of the sudden this company shoes up in XXXX 0r 1XXXX can't remember the year but, my credit report stated that I had a loan totaling XXXXXXXX XXXX.But, in the last few years the info has been changed and updated. I have disputed this company twice and all of the sudden this is a Mortage loan in the amount of XXXX. The credit bureau ( XXXX ) has allowed them to update the info but info is missing and incomplete. I called XXXX on XX/XX/XXXX and the rep told me that my first dispute was not done correctly because information was not answered and left blank.I also wrote XXXX a XXXX credit letter 30 days before I called them stating that they need to provide to me all loan documentation that I signed my name to agreeing to this loan and that if I don't receive this info that this info must be removed. That information was not provided to me in 30 days and the information is still on my credit report.Let me say that I filed disputes with XXXX and XXXX XXXX and they removed this SPECIALIZED LOAN SERVICI info from my credit report and all the inaccurate info in 30 days.This tells me that there is something not right! 
I have never had a Mortage loan in my life! The info sates that the loan Status Transferred, closed. So, if I owed you money and I did not pay then how is the loan transferred and closed and they are no loner reporting late payments.This Mortage fraudulent activity and needs to be investigated. I listted the account info from my credit report below. 
I applied for a Mortage loan and was turned down because of this information on my credit report reports as a inacurate Mortage. Now how do I get that time back to shop for a loan and not have my credit report ding me for hard inquires.Some one needs to pay! Can I sue? 

Account name SPECIALIZED LOAN SERVICI Account number XXXX Account type Mortgage Responsibility Joint with XXXX XXXX Date opened XX/XX/XXXX Status Transferred, closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Original balance {$18000.00} Highest balance {$0.00} Terms NA

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 2017-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
XXXX   XXXX ,  XXXX  received a statement on a Bank of A merica Visa Card th at showed {$4500.00} new charges that are not mine. Called immediately spoke with fraud they said they would investigate.Canceled the card. Received a letter mailed  XXXX   XXXX ,  XXXX  saying they would investigate and issue temporary credit pending conclusion of investigation.   Never heard anything until I called them today to reveal that they had issued a replacement card, chip embedded, to someone who committed the fraud. It 's a card that I last used in  XXXX  and before that  XXXX  for charges less than {$40.00}. It 's a back up card that I simply continued to hold because it only had an annual fee of {$12.00}. The fraud was committed  over a two day period. On the third day the card was rejected fraudester called in and was told to bring i t into a branch.Which they did not and the problem stopped. There were fraud charges on the card to an electric utility to pay a personal bill, and truck rental which would also have yielded info on who is the culprit. All this and B of A never even called me nor even when they found out someone had my SS #, Address and Birthdate which they used to get the replacement card. I went int o a Branch today demanding action to find out what they knew so I could ascertain the identity theft damage. Found out they will not release any info to me until I fill a police report and they file a supoena, Time frame uncertain to complete. All this time has passed and someone out there has my identity info. B of A has done nothing to stop it or help me with info to protect myself. Asked for a Supervisor today and was told up to 48 hours for a response. I am just looking for the information to  protect my financial rear end- and they will not even help nor acknowledge their complicit behavior!

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 monetary relief
Consumer complaint received 2018-01-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.

Complaint:
I have been paying on my student loan for 9 years, and recently noticed the total balance barely changed. Went to Navient website XX/XX/XXXX, and exported entire loan history to XXXX. Using the information provided I determined I 've been paying an average of 55 % interest since XX/XX/XXXX. 
I can not get any explanation with online tools and can not hold long periods of time on phone with automated system. Finally, appropriate email contacts are difficult to find or not published.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Kriya Capital, LLC

Complaint:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. Also attempted to credence resource management I sent it to the bureaus and they ignored it. Please help if you can thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XX/XX/2020 NEGATIVE ACCOUNTS : -XXXX XXXX  XXXX 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 an account without my written instructions.

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