hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-12-27
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: EQUIFAX, INC.

Complaint:
Two companies ran a credit check without my knowledge. XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC.

Complaint:
I have had repeated calls for my brothers x wife, XXXX XXXX for an auto loan with Ally Financial in XXXX XXXX MO. I have on two occasions asked for my numbers be removed from the lists for this person. I am not a cosigner or a reference for this individual. I spent literally two hours on the phone and this company can not locate the calls made from a XXXX XXXX from XXXX. After expressing twice to not call and being assured two week ago that I will not get another call the agent calling hung up once I advised I will file a suit. This is not my loan and not my responsibility to take hours of my time to contact these idiots. Can the CFPB please help. I will add that i have a few voicemails as well that violates regulation F that occurred within a 7 day window.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA

Complaint:
I have a student loan through FedLoan Servicing. I 'm currently on an income based repayment plan . Income based rep ayment plans need to be recertified every year, in order to verify income and determine how much the repayer is able to pay in monthly payments.     On  XXXX   XXXX , I got a notification e-mail telling me that I needed to recertify my income by  XXXX   XXXX . Therefore, on  XXXX   XXXX , I submitted an application to renew and recertify my repayment plan with studentloans.gov, a site maintained by the Department of Education to apply for income based repayment plans and verify income. Because of security issues, studentloans.gov notified me that, until their security was upgraded, I could not submit the form online, but that I should fax the completed form and a copy of my most recent tax return to FedLoan Servicing.     I faxed my completed tax return and form on  XXXX   XXXX . On  XXXX   XXXX , I received an e-mail from them saying that my form was received, and that, within  ten days, they would review the application and let me know if they needed additional information.      On  XXXX   XXXX , having not yet heard from them, I contact ed FedLoan Servicer 's phone center to check on the status of the application. The representative told me that th ey had received my application, and that they might have the application reviewed by  XXXX   XXXX , but the latest it would take them would be  XXXX   XXXX , and I 'd receive a response by then, On  XXXX   XXXX , I contacted their phoneline again to check the status. Another representative informed me that reviewing my application could take up  to two billing cycles ( two months ), and that I would just have to wait. I reminded them that my reduced repayment rate was due to expire and that, if it expired without recertification,  I would have to pay the standard rate ( I 'm paying about {$120.00} a month now. The standard rate would increase that to about {$570.00}. ) She told me, if that were the case, I 'd just have to pay the standard rate until they reviewed the paperwork.     After I got off the phone with them that day, I sent them a message through their website explaining the situation and asking when my paperwork would be reviewed, but I have not yet gotten any response.     As of yet, they have still not recertified my income.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.

Complaint:
On XX/XX/2023 I received an email that my Citi credit card was closed due to inactivity. This came as a shock to me because I had received no advance Notice that such closure was being considered. I was planning to use this card tomorrow to engage in a citi member presale for a concert tickets. I now have no ability to participate, my credit card is closed, I have no idea how this will impact my XXXX XXXX, and I have no way of reopening it in time to participate in the pre-sale. Ive included a screenshot of the statements section of my account, I received all of my statements electronically, and they should appear on the statements site. As you can see, there are no notices that indicate my account was going to be closed other than the day it was closed. I called citi bank and they apologized and said there was nothing they could do, they dont know why that happened, and advise that I would need to open up a new account. This is simply unfair, unjust, and deceptive to consumers.

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 2023-03-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Credit Acceptance, LLC

Complaint:
American Credit Acceptance XX/XX/2022 Inquiry Date reported as a Hard Inquiry If its the company I think it is something is still wrong because I already have a vehicle with a name of company that sounds similar but theres no reason to perform a hard inquiry when I am still making payments month to month and did not authorize that inquiry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.

Complaint:
The so called Franklin collection svcs never got any consent neither a court order from a judge to put a derigatory acct on my credit report with XXXX and XXXX. They had no consent to the account they opened themselves and I disputed the illegal account with XXXX and they go ahead an report it at a different day. This is a fraudlant business who never got a consent neither a judge ordered that account to open on my credit that I worked 11 years on making it great with 100 % payment on time. I do n't owe anything and I did n't ignored or missed any pmt. I demand from this company to stop retaliation and harassing me and go find something legal to do. This company is disease and needed to be stopped. I urge our officials who read this to make an end to the so called Franklin Collection SV SOMETIMES THEY USE SERVICES AND THAT WAS JUST SHOWING THEIR GREED TO RUIN EDUCATED PEOPLE 's financial record no I Wo n't. I will demand compensation for damages and sue this company if it does n't stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.

Complaint:
I received my paper statement in the mail today and noticed that XXXX 's ( Comenity Capital Bank ) charged me a {$35.00} late fee on my bill. The bill was due XX/XX/2022, the payment was made XX/XX/2022 a little after XXXX that evening, the payment was processed XX/XX/2022. I called in and spoke with a representative who refused to remove the late payment after I gave her notice that XXXX 's was violating my consumer rights on my open end consumer credit account. I then asked to speak with a supervisor. I spoke with XXXX # XXXX, whom I explained that a late fee is a violation of my consumer rights and I refuse to pay any illegally added charges and he pretty much laughed and told me they are not federally regulated by anyone because they are a bank and their terms and agreements trump federal law. I asked XXXX who are they regulated by and he proceeded to tell me no one, they were not violating my rights, and they will not honor my demand. He also stated that I shouldn't have called to remedy the situation, just don't pay my bill, contact legal, and contact the Attorney General if its an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
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 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 non-monetary relief
Consumer complaint received 2023-04-08
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:
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. 

Account name : XXXX Account number : 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 non-monetary relief
Consumer complaint received 2021-12-28
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: WSFS FINANCIAL CORPORATION

Complaint:
I Cosigned a mortgage with my XXXX  There was fraud on behalf of the mortgage broker. ( Who went to XXXX ) He said my name would be off the loan in six months. It was not and years later in XXXX the loan was modified. However, my name remains attached to the mortgage. I have never lived at the address ; I have never paid the mortgage. In the last 7 years my XXXX  XXXX XXXX who lives in the home has paid the mortgage on time each month. He has the finances to continue. He bought the house he lives there. He should be getting the credit for paying the mortgage on his credit report for the last XXXX years. The loan should be in his name only. WSFS XXXX XXXX and their servicer XXXX should correct this. It would be easy way to settle an ongoing financial problem. It would be the right thing to do. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
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: Experian Information Solutions Inc.

Complaint:
There is an account that is being reported on my credit score. The account does not belong to me. The XXXX XXXX XXXX confirmed that they do not have any account on my name or with my SSN. XXXX   and Experian keep reporting it on my credit without following the FCRA law that requires them to have a copy of the original documentation that proves this account belongs to me and have failed to provide validation or accurate verification with 30 days after my disputes were submitted.

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 2021-02-21
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: EQUIFAX, INC.

Complaint:
TWO FRAUDULENT HARD PULLS ON EQUIFAX XXXX XXXX XXXX AND XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.

Complaint:
Delete all errors on my credit report and my scores

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 2018-06-12
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Tower Loan of Mississippi, Inc.

Complaint:
Contacted my employer after I told them I'm not allowed calls at work. When calling to make my payment, I asked the rep ( XXXX ) to not call my employer or anyone else regarding my balance owed or payment. He kept acting like he would process my request and then say we will call those numbers as a last resort. I told him 4 times he did not have my permission to call my employer or friends/family about my debt and he refused to give my confirmation he or anyone else at their company would respect my request.

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 2022-09-21
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: Advanced Resolution Services Inc.

Complaint:
I am a victim of identity theft, also have been affected by the XXXX XXXX XXXX on a federal and state level. The following accounts are accounts that I have been affected by : XXXX XXXX Physician # XXXX, TN XXXX XXXX # XXXX, TN XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX and XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
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:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-17
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:
Still having issues with trans union and XXXX XXXX reporting fraudulent hard inquiries on my consumer profile. Violation of 15 usc 1681. Its on file with all 3 bureaus that I have been a victim of my data being stolen in the past. And also a victim of XXXX data breach. This is my last and final attempt for XXXX and trans union to remove the fraudulent items on my computer profile before taking Legal action

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 2021-05-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
Bank of America Closed my account due to fraudulent activity. Its been 3 years since that has happened and ive received no help or guidance as to what im supposed to do now. Ive called XXXX and the bank of america itself in XXXX Florida. Nobody helps i get the run around. The incident occurred XX/XX/2018. Source of information BANK OF AMERICA ; XXXX. XXXX XXXX, XXXX, FL XXXX. Due to fraudulent activity. No balance due was on the report. I know for fact it wasnt me making these transactions I was new to the bank, my first account ever. I need help. I need a bank account i need to start gaining credit. I am XXXX with nothing starting for me, I need this more than anything. If any information on my records are false claims, or unverifiable I would appreciate my background to be cleared so I can have opportunities. Please get back to me Dont leave me empty handed like the rest of the people that tried helping. 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 2022-11-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CarMax, Inc.

Complaint:
My identity was compromised and 2 vehicles were opened. Ive begun the dispute for the lease with XXXX and one bureau has deleted it. Now I am disputing this auto loan. I have completed an FTC report and still had no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
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: Navient Solutions, LLC.

Complaint:
There are late payments on my credit when I was granted a leave of absence and I was disputing charges as I received student loan and university failed to provide required courses for graduation and degree or transcripts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) requires the removal of derogatory information that can not be verified. The following accounts listed below can not and have not been verified. My previous disputes with the 3 agencies have been ignored to date. Please provide a FULL CONSUMER FILE DISCLOSURE. 15 U.S.C. Section 1681g ( a ) ( 1 ) for verification of debt and material facts. 
ACCOUNTS : 1. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) 2. XXXX XXXX XXXX ( XXXX XXXX ) 3. XXXX XXXX XXXX ( XXXX XXXX XXXX ) With continued use of unverified debt and contracts there are REPORTING AND DATA FURNISHER VIOLATIONS OF 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ; False or Misleading Representations 15 U.S.C. 1692e that does not meet Generally Accepted Accounting & Auditing Practices as verification is a federal violation will be used as evidence in Legal Claims.

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