hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2020-12-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.

Complaint:
On XX/XX/2023 I requested a free copy of my credit report at XXXX, upon receiving this report, I noticed quite a few addresses amongst other that were either outdated or places that I have never lived. I contacted XXXX and Experian to address these matters. XXXX basically indicated they won't remove and/or update the information as it was reported to them and I should contact the companies that provided the invalid and/or inaccurate information. I did advise the agent that according to the FCRA my rights are being violated by them reporting invalid and inaccurate information. I also attempted to resolve the matter by submitting dispute requests on both bureaus websites only to receive information either the same day or next day that the information was verified or updated. In such case I am unsure how an address that I have never resided could be updated or 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 2018-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA

Complaint:
I had two loan accounts with XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX P.A. One Loan for $XXXX and the other for $XXXX. Interest rates each loan is 5.875%.6 years later my balances are $XXXX and $XXXX. Total interest paid $XXXX and total principle paid $XXXX.I have paid more in interest than my principal balance. If you do the math that's a 57.55% interest rate not 5.875%. Over the course of their entire repayment plan that they suck you into you pay back $XXXX  just in interest!!!! Out of a loan that was for $XXXX, how is that even legal? This is fraud. It is not 5.875% interest rates. They wont let you make any additional payments, they wont let you change it to the way you want. It is designed for one thing, to make the COMPANY rich of interest that they falsely prey on you.If the interest was actually 5.875% then over the course of repayment it would be $XXXX  and make the total repayment at $XXXX.Please, this company is preying on college students and committing illegal acts on these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP

Complaint:
On XX/XX/XXXX, I opened a checking account as representative payee for my XXXX  and XXXX brother, to manage his social security XXXX payments. I worked with a local client relationship consultant to open the account. Five days later I traveled out of town to spend time caring for my brother, who lives in a different state. 

Upon returning to my home, on XX/XX/XXXX, I opened the mail that I had received. One of the mail pieces was from US Bank, dated XXXX XXXX, informing me that my credit card was declined due to missing signature consent. I called the customer service number listed in the letter and was told that the credit card had been applied for directly from the branch where I opened the account, and that it was applied for with the assistance of the banker. I did not apply for this account. I was advised to call the branch office. 

On XX/XX/XXXX, I called the bank manager for the first time. He stated that he opened an internal investigation. Once I filed a police report, I received another call from the bank manager, stating that he completed an internal form for investigation. I still do not know if there was a hard hit to my own social security number/credit, or to my brother 's social security number/credit bureaus, as the bank manager has not told me that. I have been forced to close my account and re-direct social security funds, and have had to freeze credit with at all bureaus for both me and my brother. US Bank refuses to acknowledge their part in the chaos that they have caused in my life. They need to be held accountable for their actions, and both me and my brother deserve an apology. A company doesn't " accidentally '' apply for a credit card when opening checking accounts .... Others need to be aware when opening checking accounts through this bank that this can happen.

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 2021-11-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ERC

Complaint:
ERC is reporting this collection and making attempts to collect a debt not owed as this was charged off in bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC

Complaint:
In or around XX/XX/XXXX-XX/XX/XXXX, ( can't remember exactly dates due to having mild XXXX from military service ) my wife and I had secured phones with XXXX XXXX, however, upon getting to our house and that following week, our services and phone signal was not-existent, calls were dropped, couldn't get a signal, so I contacted their customer service and was relayed to their technical service department. They opened a ticket and they researched why our services wouldn't work at our house. The response from them was this, their equipment in our area was old, does not work well and they aren't going to update soon. The equipment was their cell towers, the field techs confirmed that their services was not right for us. We took this to their customer service, it was escalated to their management team, it was agreed that we take our equipment ( phones ) back to the store and all contracts would be dropped due to their services would not be available at our residence. My wife owns her own business and her phone is her lifeline, I am in the military and mine is too me as well. We left that day with no contract with XXXX XXXX and no balance, we immediately went to XXXX and was with them up until we moved to XXXX XXXX XXXX 2 years ago. This is an attempt to get money out of me that this company has no contractual agreement to nor do they have any legal recourse to do so. This should be deleted IMMEDIATELY and XXXX XXXX should CEASE any and all attempts to steal illegal funds from me. Their illegal reporting is causing undue harm to my credit and is defamation of credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint:
1 ) Transferred electronically XXXX $ to XXXX XXXX on XX/XX/XXXX using HSBC online banking 2 ) waited for 3 business days and contacted 2nd and 3rd day to HSBC customer service and inquired on transaction status. A ) the online chat representative said - the cash will be deposit to payee in the form of Check ( which I never instructed them to pay in the form of check ) B ) at the same time I called to customer service via phone and the person mentioned that - since you did electronically the deposit will be happen by the end of 3rd business day. It was so frustrating that, why money is depositing in the form of check? with out having any knowledge from my end. 
I was totally confused by the statement -- -- -- '' a number of different factors are considered to determine how the payment will be sent, we can not tell which method of payment will be used until the payment is processed. Based on factors considered, our payment system selects the most appropriate method. 

Electronic payments are sent whenever possible. If the payee does not permit or accept electronic payments, then those funds will be remitted to the payee through the use of a paper check issued by HSBC or its agent and payable to the payee, as instructed by you. This paper check will state that it represents a payment from you and will indicate the account number of your account or reference number with the payee. '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- this is a system generated message and they keep on mentioning this point only. I have more than 10 years of experience in doing online transactions and never ever come across with such a bad experience. 

i want to close my checking account, however i would like to report this to government. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
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:
As of about XX/XX/XXXX, I have been disputeing the inaccurate information on my XXXX, Experian and XXXX credit reports, it 's been 5 months now and to date, I have 4 items removed, I have hand written all dispute letters and I have nortorized them all, a total of 4 letters, and have waited each time for their response, so I can respond, but all I receive is a report stating the have been verified through the furnisher, but all the original creditor can provide is an account statement, I ask Everytime for them to please send me the original, or a copy of the original document that was signed to open this account with my signature on it, that they are required to have on file, neither the beaures or creditors have this on file, a account statement is unacceptable, that is not proof it is mine, I have recently filed a complaint with the ftc, and I have XXXX XXXX helping now, but this is a drawn out war, I do understand they are private organization but need to be better regulated

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 2023-01-17
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 noticed a few accounts on my report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.

Complaint:
XXXX I called Chase Bank to have a claim done for XXXX against XXXX XXXX XXXX and Chase Bank credited my checking account with a temporary credit of XXXX. I called Chase Bank in XXXX explaining that was a valid charged and they reversed the charged meaning the funds came out of my account being sent to XXXX XXXX XXXX. Well my account showed negative XXXX and XXXX XXXX XXXX Never received the funds electronically. Chase threatened to close my checking account if I don't bring it positive. I explain it was they're fault I went negative negate the third party never revived funds so I'm thinking Chase Bank is holding my money. Like what banks do. Well Chad closed my checking account and XXXX XXXX XXXX still hasn't received the money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Immediate Credit Recovery

Complaint:
My name is XXXX XXXX I am reaching out to the Dept. of Education and Immediate Credit Recovery. Account # XXXX I have written all 3 credit bureaus and Immediate Credit Recovery about placing my student long account in forbearance or deferment because of the Covid-19. Everyone else in the United States and my friends all their student loans were place in forbearance or deferred but mind is still reporting as Charge Off and my credit scores with no job. I can not get a place to stay because I am not working and my credit because of these student long reporting as Charge Off is ruining my life. I am asking and pleading the Dept. of Education and Immediate Credit Recovery who I didn't even know had my student loan in collection. I never received a letter until XX/XX/2021 after I wrote to the credit bureaus and Dept. of Education. I talk to my Attorney General 's Office they told me to write this letter to CFPB asking both the Dept. of Education and Immediate Credit Recovery to place my student loan in deferment or forbearance. Until I can get a job and place to stay. Also, my Attorney General 's Office said that Immediate Credit Recovery can not collect in the state of California because it is not license or have a registered agent. They are validating Federal and State laws along with FCRA Sec. 605 ( c ) and FDCPA Sec. 807 ( 8 ) & Sec. 805 ( c ). As a consumer I am suppose to be afforded protection under these laws. This causing me not be credit worth of any new credit or to get a place to live. I highly appreciate that you can assist in either removing this off my credit or update as current.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.

Complaint:
I contacted XXXX XXXX XXXX about my XXXX XXXX card and XXXX XXXXXXXX card I informed them that I went through multiple family deaths within a year and a half & have been unable to pay my bills on time, I wanted to see if I was able to get a goodwill adjustment and what I was told was they would put me on a Hardship program ( which they did ) then after my 1st 3 payments on time they would remove all late payments ( WHICH THEY DIDNT ) I have contacted them to try to get this resolved and they are stating they can not do it now. I just want all late payments removed off my credit report so I can be able to finally move forward and purchase my home since Im finally back on good standing with my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
on XX/XX/2020 a formal letter was mailed to the credit bureau regarding the accuracy of information being reported for XXXX XXXX XXXX Account # XXXX. I requested immediate deletion of this account due to incorrect connotation. 

As of today XX/XX/2020, which is well past the allowed 30 days to respond, the credit bureau has failed to delete this account. Therefore I request that this account be deleted from my credit report immediately.

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 2021-05-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I have reviewed a copy of my credit report and I show company XXXX  ( Original Creditor : XXXX XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

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 2022-04-18
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: 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. 

XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry has violated my rights XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Inquiry has violated my rights XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry has violated my rights XX/XX/XXXX XXXX XXXX Inquiry has violated my rights XX/XX/XXXX XXXX XXXX Inquiry has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent

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 2023-07-05
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:
The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove this 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 2021-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
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: EQUIFAX, INC.

Complaint:
I value your help to DELETE some items from my credit report that transpired because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$10000.00} ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation