hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-03-11
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:
Incorrect information on 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 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.

Complaint:
I have a credit card with XXXX/XXXX. I have always made all of my payments on time. One day I decided to check my fico scores with all 3 major credit bureaus, and I realized that there was a late payment on my XXXX, XXXX and XXXX  credit reports. As you can see, I have always had a stellar payment record with this company. I tried contacting the 3 credit bureaus and XXXX/XXXX with no successful resolution. XXXX, XXXX, and XXXX   only reporting me 30 days twice in XX/XX/XXXX and XX/XX/XXXX, this was definitely an error on their part. I was never late 30 twice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Henley, Lotterhos & Henley, PLLC

Complaint:
I was contacted by XXXX XXXX regarding an alleged debt owed. This is hearsay as XXXX XXXX has no firsthand knowledge or bore witness to any of my Consumer Credit Transactions. Be it known, that I hereby dispute the validity of said debt in question. In accordance with the Federal Fair Debt Collection Practices Act, 15 USC 1692, XXXX XXXX and Henley, Lotterhos, & Henley, PLLC have been notified to CEASE AND DESIST any and all further attempts to collect this alleged debt. I will work directly with the alleged original creditor to resolve this matter, as warranted. Please take note that I am declining any attempts by or any other collection agency with regards to this matter. In addition, Henley, Lotterhos, & Henley, PLLC are hereby requested to inform and / or remove from any reporting agencies this alleged debt that is currently in dispute. I will require documentation that you have complied with this request. As mentioned in the beginning of my notice XXXX XXXX and Henley, Lotterhos, & Henley, PLLC alleging that I owe any debt is hearsay and borderline defamation of character because they do not have firsthand knowledge of or bore witness to any of my Consumer Credit Transactions because I have no account with them, nor am I their customer, nor have I ever entered into a legally binding contractual agreement XXXX  XXXX and Henley, Lotterhos, & Henley, PLLC. I request the following information that I entitled under Title 15 USC 1692 ( The Fair Debt Collection Practices Act ). 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 in my state. 5. ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 6. ) Please show proof to establish balances, payments, interest rate disclosures, etc. as alleged in initial correspondence.

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 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or delete them immediately in my report : 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.

Complaint:
Please consider the circumstances

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.

Complaint:
I have never given permission to furnish the information to Lvnv Funding Llc. Investigated accounts that you didnt request to be investigated. Majority of the account information is inaccurate, the open dates and last active dates are never matching on any information originally. Due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX  Compliance Standards, I would like to request that this account be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
Equifax ; XXXX  and XXXX  are reporting incorrectly a collection on the XXXX  XXXX  XXXX XXXX  partial account number XXXX in the amount of {$400.00}. This account has been paid in full and I was assured by the representative I spoke with that these trade line items would be removed from my credit report. I have contacted all ( 3 ) bureaus to resolve this issue, however I have not been successful. This incorrect reporting is harming my credit score. Please remove these line items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIBANK, N.A.

Complaint:
Citi contacted me and offereed a XXXX XXXX Checking account. As a sign on bonus they promised XXXX XXXX XXXX miles if I completed various activities which I did. they also promised free checking and a raft of other sevices. 

They never kept up their side ... No miles, they changed my account and are trying to charge me {$35.00} a month for checking plus {$35.00} overdraft fee on their erroneous service fee. I have to keep the account open waiting for the miles.

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 2021-03-15
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 — Their investigation did not fix an error on your report
Company: I.C. System, Inc.

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2023-08-14
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
On XX/XX/XXXX I activated my NEW BOF A EDD CARD and I have had to call the card 8 times to unlock it in 4 days. On XX/XX/XXXX I was denied authorization to access koney or the card due to faulty fraud system. Am being told Im not authenticating myself however I was just successfully authenticated not even XXXX hours ago.

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 2019-06-24
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:
On XX/XX/XXXX on noticed items were on my credit report that did not belong to me so I ask the credit agencys to please verify these accounts via ftc section code 609 but they refused to verity these accounts and continue to keep it on the my. credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY

Complaint:
A fraudulent account was opened in my name and due to the diligence of TD bank it was stopped and nothing was stolen but I am just reporting this for the record as advised by TD bank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Penn Credit Corporation

Complaint:
XX/XX/2023 I have been receiving a high volume of solicitor phone calls from debt collectors PENN CREDIT CORPORATION and attempt to collect a debt that I believe that I have not have Permissible Purposes FCRA 15 U.S.C. 1681 b Per FCRA Consumer have the rights Penn Credit Corporation committed acts of violations of the FRCA In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX Account # 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication. 
15 USC 1692 Section 806 Section 5 Causing a telephone

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
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:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # 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

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 2021-11-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Consumer Financial Services

Complaint:
The Lienholder is having the dealership illegal hold my license plates for non payment. Im off a month for my car note and my temp plates have expired. I was told by the finance company that they wouldnt give me my license plates until I pay. I have complaints with the Attorney General and The Secretary Of State. Also the they havent properly registered the car and I was charged for title and registration fees

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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:
On XX/XX/XXXX, I learned of the Equifax data breach through the news and social media. I attempted to check whether I was impacted via the provided portal, equifaxsecurity2017.com, but was only told that I 'd be able to register for the ID protection service a few days later. On XX/XX/XXXX, I tried the website again and was finally informed that I may be impacted by this breach.
I learned from the news that this breach has occurred in XX/XX/XXXX. I am extremely disappointed that Equifax did not discover or disclose this information for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY

Complaint:
I never gave any permission to this organization to have my information and they have sent the attached mailing which constitutes of several Federal violations. Pursuant 18 USC 241 this organization is conspiring with American Express and the consumer reporting agency 's not only depriving my right to credit but also my right to privacy 15 USC 1692a as a consumer pursuant also furnishing negative information which is deformation of character to the Natural person and original creditor. I am envoking my specified remedy as a consumer and seeking compensation and remedy for all matters addressed in the below attached affidavit of truth with exhibits.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PRESTIGE FINANCIAL SERVICES INC

Complaint:
On XX/XX/XXXX, Attorneys affiliated with XXXX XXXX XXXX XXXX XXXX XXXX located in XXXX IL, filed and was granted a default judgement against me in XXXX XXXX, IL. 
The debt was charged off by Prestige Financial Services , Inc. on XX/XX/XXXX to a third party company ( that is not referred to or is XXXX XXXX XXXX XXXX XXXX. 
The dispute of of debt was responded to on XX/XX/XXXX by XXXX XXXX, Attorney for XXXX XXXX XXXX saying that I owed a principal balance of {$11000.00}, a fee balance of {$510.00}, the amount of interest accrued ( 29.99 % interest rate ) was {$3400.00} and the total balance that was due at the time of the letter was {$15000.00}. The contract was started on XX/XX/XXXX and last payment was made on XX/XX/XXXX ( with monthly payments being {$340.00}. Amount financed on XX/XX/XXXX was {$11000.00} and was paid for 16 months totaling {$5500.00}. 
According to court document filed, the amount claimed was {$14000.00} plus court fees. The car was repoed and sold in an auction as well. 
According to a financial statement from Prestige Financial on XX/XX/XXXX, the amount of interest that was accrued was {$6100.00}, the interest paid was {$4600.00} leaving an interest balance of {$1500.00}, with total fees being {$610.00}, total fees paid {$98.00} ( auction price ), making balance fee {$510.00}. Principal balance was XXXX XXXX {$1500.00} of balance interest and {$510.00} of balance fees totaling the account balance to {$13000.00} after charge off date which is different from amount on court document and amount on debt dispute letter response from XXXX XXXX XXXX XXXX XXXX Where did my monthly payments of {$340.00} go???

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Receivable Management Services LLC

Complaint:
THE RECEIVABLE MANAGEMENT SERVICE has placed a debt on my credit report for {$230.00}. Per the WV XXXX XXXX XXXX, they are not licensed to collect debt in my state. They have ignored all of my attempts to rectify the situation.

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 2022-01-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENTAGON FEDERAL CREDIT UNION

Complaint:
I sent The Pentagon Credit Union an Notarized Affidavit Of Truth stating multiple violations via certified mail on XX/XX/2022 at XXXX and on XX/XX/2022 at XXXX Pentagon Credit Union received my Affidavit Of Truth. As of now I'm demanding a response and seeking my remedies which is owed to me from Pentagon Credit Union. In the attachments below is my Affidavit Of Truth and exhibits that back up my Affidavit Of Truth.

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 2022-09-19
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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

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 2021-03-15
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: CCS Financial Services, Inc.

Complaint:
Around XX/XX/2021, I pulled my XXXX credit reports and noticed fraud on each report. The debt was fraudulently and erroneously reported on my credit reports. I did not open the accounts and did not authorize anyone to do so on my behalf. This information belongs to someone else, who I have no knowledge. I'm not an existing customer of these organizations. The organizations were contacted via telephone and can not provide any contracts or signed documents with my signatures which can link me to the debt. On XX/XX/2021, I notified each credit bureau of the fraudulent accounts which are unauthorized. The credit reporting agencies have advised me to file this complaint with the Consumer Financial Protection Bureau. 

Please see the fraudulent accounts and amounts below : XXXX XXXX XXXX {$100.00} Indigo - XXXX Bank {$690.00} XXXX XXXX {$0.00} Thank you for your time and support.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
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. 

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, 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 2022-09-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P.

Complaint:
First communication from company is a settlement offer letter with a list of supposed small balances that add up to a sizeable sum - all from a company I don't recognize. The letter does not contain mandated fdcpa dispute information or rights to dispute. I tried calling a provided number but went to a voicemail. I see no reason to provide information to a company that has failed to provide any information about the origin of this supposed debt, my rights as an alleged debtor, or a mechanism to talk to a person. 

Initiating contact via a settlement offer in the way they have runs afoul of the FDCPA and I ask for a civil penalty to be levied against them to ensure this practice is not continued.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation