hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2018-01-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY

Complaint:
Wells Fargo is getting rich on the backs of poor, and unwilling victims. 


I have requested that transactions not be honored if inadequate funds in account. I wish not to accrue overdraft fees. I opted out of this service and am being charged these fees despite my objection to the service. 

I am being told that there is not option but I was asked if I wanted to decline tis service and have several times. I do not want transactions to clear where there are no funds available to cover the transaction. I do not wish to pay those overdraft fees.

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 2020-06-19
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.

Complaint:
XX/XX/2018, I signed up a 3 year lease with Ally through XXXX XXXX XXXX for me to pay {$340.00} monthly on the XXXX of every month. I paid at least a few days before the deadline through my bank, XXXX. 
I had a car lease with XXXX before this, and that's how i did it with them and never had a problem. 
I have received a text about a past due from an unknown number a few times last month, at first i just ignored it, but this month i was curious so i logged in to my Ally account, and to my surprise, the amount that i should pay monthly has change since the beginning i guess. I was so mad because I've been paying on time and this might have affected my credit score. 
I checked my account and they have increased the amount since i don't know when cuz i can only see the past 12 months transactions. 
For any changes, they know my address, phone number and email, they should have sent a letter to inform me of any changes and reason as a courtesy to a customer or just for being responsible. 

I sent an email to XXXX and Ally but did not get a reply from 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 explanation
Consumer complaint received 2021-07-06
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:
To someone in a position of authority, I am making a formal complaint because XXXX XXXX XXXX has placed information on my report without my consent, and without validating the debt. I reached out to this company over 4 months ago and I still have not received a response. I informed them that they were violating 15 U.S.C. 1681a ( 2 ) ( B ) as they were supposed to exclude information from my report that was authorized by a credit card. I informed them of this violation and they have not responded to my correspondence. Additionally, I asked them to validate the debt they are reporting on my consumer report with XXXX and Experian ; I made a formal complaint with Experian, and XXXX and both companies failed to show proof that this debt that they are reporting belongs to me. Because they failed to validate the debt with sufficient proof, they are in Violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. If I continue to be ignored about this matter I will proceed to seek litigation and remedy for {$1000.00} per violation for defamation of character, Negligent Enablement of Identity Fraud, and Violations of 15 U.S.C 1692g. I demand these accounts be deleted from my Experian and XXXX reports within 5 days, or I will move forward with litigation and remedy. I also demand that an updated report be mailed to me. Any actions taken to hinder my consumer report will also result in me seeking litigation and remedy. 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 2023-03-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
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. 

XXXX XXXXXXXX XXXX Account # 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.

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 2021-12-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.

Complaint:
I am looking to refinance the student loan that I have with Navient. 
I emailed them XX/XX/XXXX to get this but have received no response I called them XX/XX/XXXX to request a loan payoff statement that the new lender asked for, they promised to email but have not received it yet. 
I emailed them again XX/XX/XXXX and waiting to hear back. 

They have repeatedly called to offer to refinance the loan with Navient but are not responding on the document that I need for the new lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.

Complaint:
Wrong address and wrong name reporting on my credit. Already filed a report with the FTC

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
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 credit Bureau has violated the Law and the FCRA by Reporting the two accounts below inaccurately on my credit report. I demand that the Credit Bureau removed the to accounts listed below from my credit reports immediately Ive never opened an accounts with neither of the creditors ever before : 1.Name : XXXX XXXX XXXX Account number : XXXX Name : XXXXXXXX XXXX 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 explanation
Consumer complaint received 2017-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.

Complaint:
On   XXXX     Th e Chase Fraud  team contacted me via email to advise there was a known fraud company had attempted to charge my card  XXXX  and the same day another  XXXX  was declined on my card. Thus due to the email I called in to advise I had not bought anything from that company and it had been a pop up ad i had closed out.     On   XXXX   anothe r Chase Fraud Alert  had advised me that a charge for  XXXX  from this know fraud company had been approved and the same day a second charge from the same company was attempting payment for  XXXX , where again I had called the Fraud department and again was disputing these charges. where the Fraud team recommended that I cancel my card and have new ones issued to stop the fraud charges, I also needed to contact the merchant for which I did with the numbers provided by  Chase Fraud  Department the same day.     On   XXXX   I again called The Fraud team to advise that merchant was contacted and they were canceling and refunding and received a claim number to watch my account.   on  X/XX/17    The Fraud protection Team issued a temporary credit in the amount of  XXXX  while Chase reviewed what information they had and I was not asked to provide my emails during these investigations.     On  X/X/2017    I finally received notice from the merchant via email that my Order from them was cancelled, for which the company had now waite d two   full months after initial contact to cancel due to not receiving  merchandise nor agreeing to the purchase.     On   XXXX     Chase reversed the credit of  XXXX  siding with this company based on information from the company. The same company they had first contacted me about as being a fraud. With this they over drafted my account and never once asked for any information or documentation i had proving this company was scamming individuals all over the country as they had first alerted me to in the beginning. Furthermore, Chase failed to inform me before they removed the money from my account.     Also, Chase has conflicting and multiple claim numbers for this same dispute, with  XXXX  on  XXXX   XXXX  being  XXXX  and on  XXXX   XXXX  my account does n't reflect that case number.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
THESE 5 COMPANIES CHECK MY PERSONAL CREDIT WHEN THE  PURCHASE WAS A CORPORATE PURCHASE OF A VEHICLE. I DID NOT AUTHORIZE THESE INQUIRIES. THE VEHICLE PURCHASE WAS A CORPORATE PURCHASE, NOT A PERSONAL PURCHASE. I HAVE THE SALES CONTRACT THAT SHOWS THE BUYER FOR THE VEHICLE IS XXXX XXXX XXXX XXXX XXXX XXXX, AND IT WAS A CASH PURCHASE: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
THESE COMPANIES DO NOT RESPOND OFTEN; WHEN THEY DO THEY TELL ME WITHOUT AN ACCOUNT THEY CANNOT CORRECT THEIR ERRORXXXX XXXX XXXX AND TRANSUNION TELL ME THAT THE COMPANIES NEED TO REMOVE THE INQUIRY...THE COMPANIES TELL ME THE CREDIT BUREAUS NEED TO REMOVE THE INQUIRY. I HAVE WORKED ON THIS ISSUE FOR A YEARS WITH NO RESULT. THIS HAS DAMAGED MY ABILITY TO DO ANYTHING FINANCIAL, IN THIS LAST YEAR. I WANT THESE FRAUDULENT INQUIRIES REMOVED FROM ALL THREE CREDIT BUREAUS.

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 2021-12-14
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: Conn's, Inc.

Complaint:
Someone opened an account at conns got furniture.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Northland Group Inc

Complaint:
The Creditor is XXXX.. This is regarding an XXXX XXXX Account.They turned the account over to a Collection Agency and still continued to charge me interest and late fees. Is this legal? The collection agency stated that XXXX sends them adjustments every month. XXXX will not speak to me. They say they do n't have the debt ... to contact the collection agency..but..they continue to apply interest and late fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: I.Q. DATA INTERNATIONAL, INC.

Complaint:
IQ Data International. Spoke to a XXXX XXXX I specifically asked for documentation to back up debt itemization, he claims they sent it to my address, and it was signed by post office delivery, don't remember receiving this. I also got one letter from them 2.5 years ago trying to resolve the debt with a one time payment of {$1500.00} and they also told me to have someone else pay it or get my credit card they noticed I had credit on my cards to cover a said amount at time sounds fishy to me. I'm not paying a debt that has no documentation. So I called the original rental company no one has any records company doesn't exist anymore, nor did I ever get a bill from said company. XXXX threatened to sue if I didn't pay by the end of the day and this debt keeps getting reported and adding interest on my credit report. It's causing me problems with insurance hikes loan hikes and getting a job or moving. Funny when all of my bills are paid on time perfect credit history and these people are the only ones on my credit trying to make me pay a debt with no documentation.

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 2023-01-09
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: Experian Information Solutions Inc.

Complaint:
XXXX AND EXPERIAN FAILED TO SEND AN UPDATE AFTER MORE THAN 30 DAYS. I SENT LETTERS ON XX/XX/22 INFORMING THEM OF UNAUTHORIZED INQUIRIES AND THEY IGNORED MY LETTERS AND CONTINUED TO REPORT THE INQUIRIES. I HAVE FILED A FTC COMPLAINT BECAUSE THESE WERE NOT AUTHORIZED BY ME. I WILL ATTACH THE LETTER AND FTC COMPLAINT. DELETE THE INQUIRIES THAT ARE LISTED IN THE LETTER FOR INACCURATE REPORTING AND BECAUSE YOU HAVE FAILED TO REPLY IN THE TIME ALOTTED. THE LETTERS WILL BE DATED AND TIME STAMPED FOR YOUR REFERENCE.

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 2019-07-02
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC

Complaint:
XXXX XXXX XXXX sued me for a medical bill that was unpaid. The attorney & XXXX, ( the collection agency ) was the conduit of information as I did attempt to contact XXXX in XXXX Maryland to get resolution. I had insurance at the time of my hospital stay but there was a misunderstanding of where or how the billing was submitted. The bill for about {$1300.00} was denied and that's what the lawsuit was for. In the meantime I missed all their attempts to contact me until they sent a process server who served me with court papers. I had insurance with XXXX and they attempted to process the bill once they had my correct insurance member ID. They currently have pending judgement on my credit even though this has since been dismissed. I sent a certified letter to have this removed from my credit report and it has not been removed yet. Letter was sent to XXXX - XXXX XXXX, XXXX. XXXX XXXX, XXXX DE XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R & R Collection Service, Inc.

Complaint:
Recieved 2 derogatory marks on my credit report never heard or recieved a letter from the company about the account to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. Please note : The personal information listed below requires attention

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I mailed in a Annual  Credit Report Request Form to all 3 credit bureaus but received no response. I set up an account online with XXXX and made 4  attempts to get a free credit report but they insist on charging me ; and their phone is automated with no helpful option that goes back to where it was before. I tried to get a free credit report from all 3 credit reporting agencies online but they refused.

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 2020-11-11
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: Self Financial Inc.

Complaint:
A fraudulent account is reporting on my XXXX credit file from Self Lender/XXXX XXXX XXXX. I have been a victim of identity theft in the past and I have not had a business relationship with this creditor. I have attached a current police report filed with the XXXX TX Police Department & ID Theft 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 2018-03-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Health Care Financial Services, Inc.

Complaint:
Recently while conducting a monitor of my credit report I discovered that XXXX XXXX XXXX has furnished some items that has been unverified. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX but I am unaware of the amount due and the bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than XXXX XXXX XXXX is to only be revealed with the patients authorization.

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 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX  XX/XX/2022

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 2022-10-19
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: Experian Information Solutions Inc.

Complaint:
Personal Statement : I the consumer XXXX XXXX XXXX have took it upon myself to grow my small business into a larger scale operation with corporate entities and to do so I must have respectable credit. In lue of my findings I have noticed two accounts that have been fradulent. I request in a timely manner this be released from my consumer credit report for it has become a great harm to my asperations of growing into the corporate business my family and I deserve. 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