hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2020-11-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC

Complaint:
XX/XX/2020 To Whom It May Concern : which you claim I owe {$920.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XX/XX/XXXX and XX/XX/XXXX) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC.

Complaint:
I have sent letters to the company about a debt that they trying to collect. Told them I do not recognize this account and I have no previous knowledge of it. And to provide me validation that this debt is mine. This agency is in violation of 15 USC 1692g and 15 USC 1681, under the truth in Lending Act USC 1602 ( g ), " credit card " is definitely Following : This makes your social security card, drivers license/ ID, and license plate. ( 2 ) EXCLUSIONS.- except as provided in paragraph ( 3 ), the term '' " does not include- ( B ) any authorization or approval of specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; The term " credit card " means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. For the extension of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY

Complaint:
I had an account with Wells Fargo in the late XXXX, roughly XXXX I stopped using the checking account, and had no charges coming through the account. I only opened this account to cash my checks at the time. When I went to cash my over {$700.00} check, I was given back less than {$20.00} and told the rest of my check went to my overdraft/insufficient fees in my account. I wasnt told until after my check was cashed, and money was taken, that I had around {$700.00} in fees to pay them. Ive never gone back since. They wouldnt work with me and told me they closed my account because i hasnt used it within a certain time.

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 2018-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I recently conducted a review of my credit report, and I noticed that your agency showed XXXX   XXXX XXXX  and XXXX XXXX  credit hard inquiries without my knowledge. The unknown and unauthorize hard inquiries in question was apparently made by XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX XXXX  on XX/XX/XXXX I have not informed or recalled of any association with these company. I have contacted XXXX XXXX, and XXXX requested them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
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:
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 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 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681 s-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 response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
XXXX XXXX Balance Owed : {$1800.00} This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to zero or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly Delete this wrong account. 

XXXX XXXX Balance Owed : {$2800.00} This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX XXXX Balance Owed : {$1000.00} This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX  XXXX Balance Owed : {$160.00} Reporting unknown which means it's incomplete, please delete this account.

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 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2018-11-03
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 have been a victim of identity theft so i'm reporting this to clear my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GFS II, LLC

Complaint:
XXXX XXXX XXXX XXXX XXXX has reported to my credit bureaus stating I owe {$10000.00} this account was fraudulently open. I have no knowledge of this account and would like it removed. I reported 3 times that this account is disputed .the account was opened on XXXX XXXX. Ive been trying to get it removed still I havent and its reporting bad debt on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC

Complaint:
I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. I disputed this directly with the company and did get a response.

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 2022-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CHARLES SCHWAB CORPORATION, THE

Complaint:
I have had reoccurring problems with my bank, Charles Schwab, refusing to grant me access to my funds in what amounts to a pattern and practice of withholding funds. This pattern has been ongoing for over a year, and I have attempted to resolve it with the bank many times to no avail. For example, in XX/XX/2022, I was in California and tried to put a rental car on my debit card ; Schwab declined my card, and when I called the bank, the representative put me on hold for nearly an hour even though I told her the card was in my possession and I was a valid card holder. Similarly, on XX/XX/2022, I was in XXXX XXXX XXXX, and I tried to place an XXXX on my debit card. Schwab declined the transaction, and when I called to tell them it was valid, they claimed another name was associated with my account, even though I had been validated through the online system, and they confirmed my account security code. Most recently, on XX/XX/2022, Schwab sent me a text telling me that my account had " fraudulent activity '' ; I called the number online, and validated the transaction with a person from the brokerage side, who then emailed me a number for the bank ( on the bank website ) that was broken ( despite me previously having told Schwab the number was broken and that this violated consumer protection laws. Later that day, even after validating the transaction through Schwab 's automated system, my purchase for a pair of glasses was denied. Later, a Schwab customer service representative told me that there was a fraud alert on my card, even though I had resolved it. There are many more incidents like this that I could relate. For CFPB 's information, I am a lawyer, and I take concerns like this very seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC

Complaint:
My vehicle was voluntarily repossessed through the SCRA ACT and after everything appeared finalized, I feel cheated via the waiver. The outstanding balance is still showing on my credit despite its repossession. When I saw the form that I signed with the SCRA ACT WAIVER on it, I feel cheated because I do not feel like I got a fair shake on the deal to begin with. The interest rate was the biggest problem for me especially in the stubborn negotiation process. How could they offer a waiver to a law that was not presented or offered in the beginning. Personally, I feel like I was swindled and stuck with the bill after reading the SCRA ACT WAIVER that was labeled on the release form in bold. The release form HIGHLIGHTED benefits that appears to have been available at the jump. These benefits included PROTECTIONS for me at the time of my purchase. I am looking for a remedy to the situation because of the stubborn negotiation around the interest rate, the failure to provide the protections after me telling them I was a service member at the time of purchase, and for swindling a waiver out of me of protections Guaranteed to me at the time by law and leaving me with the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HUNTINGTON NATIONAL BANK, THE

Complaint:
Back in 2016 my car was paid off in full, the bank cashed my check and I never received a title. I have tried to get a lien release from the bank for the last 3 months. I am trying to sell my car and need the title. I have called the bank every day for the last 2 months asking where it's at because it never showed up. They told me it was rushed and over nighted and that I should have it in the next few days and every Day that I have called them since it was supposedly sent. I call them to ask where it's at they always tell me it's on the way and I have yet to receive it. They have laughed and hung up on me. And they have lied about it being in the mail. I have done everything I know to do and I can't get any further and I'm not sure what else to do. The license branch told me to file a complaint so I can get this taken care of. I hope this helps to get me the title.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.

Complaint:
Convergent Outsourcing XXXX is charging me for an account I have no knowledge of for {$820.00} I have disputed this account several times, called XXXX and XXXX as directed by credit bureaus, and am told there is no such account found but they're answering the disputes as accurate. When in fact XXXX in XXXX of XXXX put an account on my credit for {$250.00} for a supposed phone bill and removed it realizing their mistake. The XXXX should be taken off as well if there is no such account found when I call them. But it remains hendering my credit.

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 2022-08-12
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Product: Credit reporting 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:
I do not recognize the inquiries on my credit report listed in the id theft report XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX TRANSUNION XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TRANSUNION, XXXX XXXX XXXX XX/XX/XXXX TRANSUNION, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TRANSUNION, XXXX XXXX XXXX XX/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 2023-02-02
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by 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 non-monetary relief
Consumer complaint received 2018-03-30
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
This is a second request to Bank of America, N.A. but this time to XXXX XXXX XXXX XXXX XXXX XXXX XXXX has failed to answered my requests ). I've sent 2 letters in regard to Tax Forms I need to file my taxes. 

Note to CFPB : This is not a duplicate request. This is another set of Tax Forms I need.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I have been disputing unrecognized inquiries into my perfect credit history for a couple of years and have been denied every dispute, without being provided actual proof of the validity of each and every inquiry. They simply verify it with a third-party company and say it has been verified, often within minutes of filing an actual dispute. 

Below are the inquiries which I do not recognize and most certainly did not authorize by these creditors. No new accounts ever resulted from the inquiries. I am a past victim of identity theft many years ago. 

XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  My personal address on file are : XXXX XXXX XXXX, XXXX, TX XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX My Date of birth is : XX/XX/XXXX Name : XXXX XXXX XXXX Last Four of SSN : XXXX These inquiries are causing me to be denied credit for no other reason than excessive inquiries, which drastically affect my XXXX score and affect the rates I pay on personal and business credit. 

Please have these inquiries immediately removed from my credit file. Thank you in advance for your understanding and consideration.

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