hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-05-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Concord Servicing Corporation

Complaint:
STATEMENT OF FACTS : 1. On XX/XX/XXXX, XXXX XXXX, hereinafter Respondent, made presentment of a PRIVATE ADMINISTRATIVE REMEDY DEMAND No. XXXX, incorporated herein in its entirety as Attachment A, to CONCORD SERVICING CORPORATION XXXX hereinafter Debt Collector, for the setoff, settlement, and closure of Account No. XXXX, hereinafter Account, sent via XXXX Registered Mail, XXXX XXXX. XXXX. 
2. Enclosed was an Offer of Performance, Tender of payment ( promissory note ) and Debt Collector Disclosure Statement, incorporated herein in its entirety as Attachment A giving twenty one ( 21 ) days for response. 
3. On XX/XX/XXXX, XXXX XXXX, made presentment of a NOTICE OF FAULT AND OPPORTUNITY TO CURE AND CONTEST ACCEPTANCE incorporated herein in its entirety as Attachment A, to CONCORD SERVICING CORPORATION, sent via XXXX, Article No. XXXX, giving debt collector XXXXen ( 10 ) days to respond 4. Debt Collectors failure to sufficiently respond or timely honor the Presentment, by the terms of the Presentment, constitutes Debt Collectors acceptance and approval of the OFFER OF PERFORMANCE contained therein. 
5. As of XX/XX/XXXX Respondent has not received sufficient response to the Presentment, thereby placing the Debt Collector at fault, as evidenced by the CERTIFICATE OF NON-PERFORMANCE dated XX/XX/XXXX, a record of which is attached hereto as Attachment A. 
6. Debt Collectors failure to sufficiently respond or timely honor the Fault Notice, by the terms of the Fault Notice, constitutes Debt Collectors acceptance and approval of the OFFER OF PERFORMANCE incorporated with the Presentment. 
7. Debt Collectors acceptance and approval of the TENDER OF PAYMENT ( Money Order ) constitutes Debt Collectors agreement to the stipulated aggregate amount of unpaid obligations being XXXX ( {$0.00} ) and XXXX/XXXX dollars. 
8. Debt Collector has defaulted. 
9. As an operation of law, Debt Collector by dishonor of the Presentment and the Fault Notice has created a default. 

XXXX XX/XX/XXXX XXXX sent a " verification of debt '' letter to myself. It stated " please find enclosed a copy of your signed contract and/or other documents validating such debt '' Enclosed were " 0 '' documents or signed agreements. There was nothing else enclosed. Stating there were enclosed documents was false. XXXX also stated in the document that collection activity will commence. 

XXXX XX/XX/XXXX XXXX received my notice of default and consent to judgement and has still failed to respond

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 2020-12-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.

Complaint:
Account closed with Chase via phone with account services XX/XX/XXXX. 

During the above call the balance was to be mailed and rcvd in 7 business days. 

Called account services to follow-up XX/XX/XXXX as I had yet to receive the check. 

Representative advised I needed to visit the branch as the check must have been lost. 

Visited the branch XX/XX/XXXX and XXXX XXXX called account support and they advised her the check had yet to be mailed. Branch manager engaged and advised there was no need for me to wait at the branch he would call and follow-up with me that afternoon ( XX/XX/XXXX ). 

I have yet to hear from anyone at the branch. 

Called account services XX/XX/XXXX. Rep indicated there are no notes on the account. Call was escalated and they advised they will need to cancel the check and re-issue and I will need to go back to the branch. It is a constant bounce back and forth when no resolution in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I have a bankruptcy on my credit report that is a mixed file trans union refuses to do anything about it saying its a duplicate compliant

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 2022-03-16
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:
I had previously filed a complaint against Equifax with an attached Equifax Annual Credit Report. In that report it is not showing the actual payment amounts for each month. 

I was not able to get an Annual Credit Report from Equifax and had opened many complaints everywhere asking to be able to access my Equifax Annual Credit Report, and this was the case for nearly two years, to suddenly about two months ago I was again allowed access. 

I find that after using the Equifax credit report in a CFPB complaint to point out incorrect and missing payment history, that soon after the Equifax Annual Credit Report is now not showing any actual payment amounts made to the creditors. That whole section of the reports are no longer shown in the most recent Annual Credit Report, when it is THE report that's used to see the actual payments made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY

Complaint:
Wells fargo keeps freezing my account. Then they just closed it without any notice. I went to deposit money & was told my account was closed no reason at all.

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 2018-06-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HOVG, LLC

Complaint:
I received calls but no paperwork regarding this liability. I'd like this to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
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:
The undersigned Secured Party caused a complaint to the Consumer Financial Protection Bureau ( CFPB ) about a fraudulent bank ( XXXX XXXX Student Loan ) placed on my consumer report by XXXX Equifax, and XXXX Dear debt collector/ credit bureau XXXX I am, a federally protected consumer. Subsections ( A ) and ( B ) of 15 USC 6802 prohibit the disclosure of my nonpublic personal information without my consent. Please remove XXXX XXXX XXXX XXXX accounts from any public record. If all accounts are not removed the consumer is owed actual damages under 15 USC 1692K. 
I have sent numerous letters to XXXX XXXX regarding the alleged debt they say I owe. I don't owe XXXX XXXX any money. XXXX XXXX has yet to send me anything bearing my wet-signature proving that I owe them anything. XXXX XXXX doesn't have my consent to furnish my Consumer report or share information with anyone. 
At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as Equifax, XXXX, and XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of the Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Health Care Financial Services, Inc.

Complaint:
Notice for Proof of Claim Account : ARS ACCOUNT RESOLUTION XXXX XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect 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 2017-01-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: R & B Corporation of Virginia

Complaint:
This debt is not mines and the company continues to place this account on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : 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 2021-06-22
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
XXXX, XXXX ACCOUNT # XXXX amount XXXX date 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 2021-06-19
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: EQUIFAX, INC.

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$750.00}, {$12000.00}, {$3500.00}, {$2400.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$750.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 


-- AUTO LOAN OR LEASE 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA

Complaint:
XX/XX/XXXX RE : American Education Services XXXX XXXX   XXXX XXXX, PA XXXX RE : Mishandled Payments Not Credited To My Account Dear AES : The following payments have not been credited to my account as is required by contract and law, which is resulting in incorrect information regarding total balance due on my student loan repayment, thus prohibiting and extending my loan payoff : Payment Made XX/XX/XXXX for {$100.00} Payment Made XX/XX/XXXX for {$100.00} Payment Made XX/XX/XXXX for {$50.00} Payment Made XX/XX/XXXX for {$50.00} These four payments appear to be lost in your system somewhere and have not been appropriately posted / applied to my loan repayment plan. These four mishandled payments at different times is a lot and may go well beyond the occasion of carelessness. These loan payments have not been applied or posted by either AES or XXXX. 

To resolve this matter immediately : 1. I request credit for all of these repayments made to repay my student loans ; 2. I request interest be recalculated for the life of the loan to include these repayments at their proper time frames and those dollars credited towards my payoff. 
3. A new readable printout statement showing complete payments, plus interest, and principal paid, with a new lower principal balance and payoff amount. 

For convenience and to quicken the investigation, I sent AES verification that payments were made as stated above and recent copies of the Account History with no indication that payments were ever posted. Corrections to my account need to be made immediately before the next statement and prior to any further payments due. 

I thank you for your immediate attention to correct this gross mishandling of student loan payments made to AES. I look forward to immediate correction. 

These issues have been reported to AES several times including in writing, via their internal Internet, and via telephone. Copies of Statements have also been sent to AES. Personal information is available upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To Whom It May Concern, I am writing to express my disappointment and frustration with your disregard for federal law and your failure to comply with my dispute letter and follow-up letter, both sent through registered mail on [ date of dispute letter ] and [ date of follow-up letter ], respectively. Despite receiving both letters, you have yet to fulfill your duty as mandated by law. This non-compliance is unacceptable and contemptible, and I am left with no other choice but to file a complaint with the Federal Trade Commission ( FTC ). 

As you are aware, federal law requires you to respond to dispute letters within 30 days. Your non-response is a violation of the regulations set by the FTC ( see 15 USC 41, et seq. ). I have documented all my communications with you on this matter and will file a complaint with the FTC should you continue to neglect your legal obligations. 

I remind you that your willful noncompliance may result in liability, as in the case of XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.CaI. XXXX XXXX, XXXX ). 

For the record, I have informed you on two separate occasions, more than 75 days and again 40 days ago, that the following information on my credit report is inaccurate and incomplete : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX, AZ XXXX I request that you immediately remove this erroneous information from my credit report. Failure to do so will result in a formal complaint with the FTC. 

If you continue to disregard federal law, I will pursue legal action for recovery of damages, costs, and attorney fees. I am keeping a detailed record of all my communications with you, including your non-response and noncompliance. 

Please provide the name, address, and telephone number of each credit grantor or other subscriber as required by federal law. You had 30 days to complete your re-investigation, yet you have failed to respond. I request that you provide a description of the procedure used to determine the accuracy and completeness of the information within 15 days of the completion of your re-investigation. 

I hope to resolve this matter quickly and amicably. Please contact me at the telephone number above to confirm receipt of this letter and to discuss the steps you plan to take to correct the inaccurate information on my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westcreek Financial

Complaint:
I recently looked over my consumer report an seem this unauthorized account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
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:
Trans Union Consumer I send in a Dispute letter on the date of XX/XX/XXXX for a list of Inquiries did not Authorize The Inquiries are still reporting to my credit report and this not the first disputing Info on my report with XXXX  and also call in about Authorize Info on my report date of XX/XX/XXXX. I was ask about 3-7 lady on the phone was not trying to help keep on saying to me that Inquiries can not be removed and had me on hold for one hour VERY BAD CUSTOMER SERVICE Never had a chance to Dispute nothing on my report Fraudulent Inquiry Details XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Credit Union XXXX XXXX  Inquiry from XX/XX/XXXX Credit Union XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry  from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX. 

XXXX XXXX Inquiry from XX/XX/XXXX Please Remove 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 explanation
Consumer complaint received 2021-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.

Complaint:
XXXX XXXX, and Equifax received an Identity Theft Affidavit from me and refuses to remove the account. It was not blocked in era and if they believe it was Id like a senior member of their organization to sign an affidavit under the penalty of perjury stating this. They continue to play games and responded to my request asking for information already presented to them.

Company response to consumer: Closed with explanation