hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-06-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY

Complaint:
I was to receive remediation checks from Wells Fargo and they were sent to an old address I no longer reside at. I know they were sent because I saw many opened letters from them with the amount that was to be on the check calling them remediation checks but there was no check. My little brother that lives at the property carelessly went through my mail but never cashed any of the checks. I tried asking customer service if they can be resent but they said they cant help me because I dont have the old account number. That they cant look it up. I just want my checks re sent to current address. I have no idea what else I could do. I looked up unclaimed property through the ca.gov site and they didnt report it to them. I could give my information and the address the checks were sent to in a secured message .Please call or email me back with the next steps needed to claim my money please. - 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 2022-06-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.

Complaint:
I spoke with this company back in XXXX, I told them to send me proof that I owe this company. pursuant 15 USC 1692c ( b ) I never gave the company written permission to communicate with me concerning alleged debt. I.C. systems has placed this account on my credit report without notifying me about the proof of alleged debt, and have disregarded what the proof of alleged debt that I asked for. When they contacted me by phone at my work place. I.C.SYSTEMS continues to run my credit report without my permission, they have stolen my identity and they are selling securities using my name which is fraud under 18 usc 1348 selling securities and commodities. This XXXX  company is in bankruptcy and I am still a customer with this company. I am aware of the certificate of indebtedness which XXXX  and i.c systems uses assets on the trading market also they filed a 1099 c with the irs for all debts. yet failed to provide me with that 1099 c copy. I expect i.c.systems to be removed from all three of the credit reports immediately, and I also expect for XXXX  to stop stealing my information and giving it to these companies because I know that they are in bankruptcy and it is illegal what they are doing. I am still a customer with this company. I have paid a deposit to be with the company BACK IN XXXX and now with the second attempt to collect a debt that I do not owe they steal my information to make money by selling my securities. My name is copyrighted and I do not appreciate them stealing from me. I will be contacting the sec. exchange and comptroller because this is out of hand. I am also aware that all debts are a obligation of the united states and that both companies have already been paid.

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 2022-12-09
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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-15
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-08-04
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:
So I sent a letter off on XXXX XXXX. Here is my tracking # XXXX. To remove personal information and public records that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 
These are clear violations of my my federally protected consumer rights.

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 2022-09-06
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: Westlake Services, LLC

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Re ; Credit pull On or about XX/XX/2021 & XX/XX/2021 I made a credit inquiry into a dealership concerning a purchase of a vehicle in XXXX, PA [ the name of the auto dealer is ] XXXX XXXX XXXX. I authorized the car dealer to make a credit pull but also informed them I was already pre-approved by Westlake financial for the deal to finance the vehicle. The account while I was there ran my credit at lease 5-9 times within a span of 3-4 hours I received that day on XX/XX/2021 9 alerts of hard credit pulls on my credit report. I informed the company and a sales man that I used to purchase the vehicle XXXX and asked politely to remove write in consignment and alluding to the conversation I had with a representative from XXXX. Send in a letter on my behalf stating these inquiries to be deleted and also I did my part. While at the dealer we concluded and ended by using Westlake financial to finance the vehicle and I really found those credit checks to be unnecessary since I had informed the dealer of my credit score and knowing that Westlake would be the only company to approve me. I would request that these hard inquiries from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Credit on road To be removed of my credit report due to the unnecessary expense and irreconcilable damage its done. 


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 2022-09-03
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:
The accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
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 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 2016-06-24
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc.

Complaint:
Since filing my original complaint with CFPB # XXXX In which COMMONWEALTH FINANCIAL SYSTEMS AGREED TO DELETE A DISPUTED CLAIM, they simply deleted original claim & refiled same claim changing the dates & omitting the name of the alleged hospital. I am now disputing that claim. Since filing, I 've seemed to have became a target of their wrath, today I received XXXX additional claims in total XXXX open claims. 
CFSI ACCOUNT NUMBERS XXXX, XXXX, XXXX In addition to filing a complaint with CFPB after the second filing of original claim, I have lodged a complaint with the State of Florida Department of Financial Responsibility ( Florida 's department that handles Fair Debt Collection Act complaints. 
Since Commonwealth simply changed dates & refiled same complaint with CRA 's I believe they are committing FRAUD & view their company as disreputable. Am requesting that the CFPB investigate Commonwealth & help myself & other victims of their activities. uploading all the information @ this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Avant Credit Corporation

Complaint:
First off, I read in the newspaper that I was being sued by a debt buyer that I had never heard of, then I had a court document delivered by local sheriff of a request for default judgment request. 

I had never received any letter from this debt buyer. I contacted the court and advised I had not received any letters and that I requested an actual hearing. 

The debt collector submitted a signed affidavit that said a letter was mailed via first class mail. No tracking info could be provided. 

I asked for proof of ability for them to sue me or ownership of the debt. They sent some papers that showed they bought a bunch of debt from XXXX XXXX. Nothing that showed me or any account directly associated with me. 

We appeared in court and the judge agreed the information provided was not supportive of showing any ownership, thus not granting the default judgment they requested. However, they continue to report this on my credit report after many attempts to have it removed. 

Secondly, the information they are reporting is inaccurate. I never obtained a loan directly from XXXX XXXX and the only loan I can possibly associate with it, is from AVANT and the account numbers are the same l, but the dates do not match. 

The debt buyers date is listed as after the possible loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
To whom this may concern, I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 

Please delete the following inaccurate names : List of misspelled or inaccurate names : 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 Please delete the following inaccurate addresses : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) : for a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; in accordance with the written instructions to the consumer to whom it relates.

CREDIT REPORTING AGENCY NAME has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, or written instructions to do so. These actions have caused my family and me a great deal of injury.

Furthermore, I am filing this consumer complaint and consumer check for compliance with these particular items that you are reporting under FACTA Title 1 sec. 151.

I have enclosed copies of my state-issued identification and social security number to validate my identity.

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 2020-04-29
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XXXX  XXXX, XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my 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 2021-02-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cascade Capital, LLC

Complaint:
Approx 4 months ago, I noticed a ding on my credit score through XXXX. I pulled up an apparent debt of {$670.00}. On my report the original creditor was Indiana XXXX XXXX XXXX XXXX located in a town about 30 miles east of where I live. I knew immediately this was false since I only see doctors at the VA or through XXXX XXXX. Also the only place I have been for emergency care is through XXXX XXXX in my town. Initially, I attempted to dispute the debt through XXXX  however, the debt was not removed. I then called the billing office for Indiana XXXX XXXX and they stated they have nothing on file for me even using my old last name and my current. I then called the collection agency who told me the debt was sent back to the main creditor Cascade Capital. I had to google them and the only information I saw on the collection agency based out of California were numerous complaints of Cascade Capital doing to others what they have done to me. The XXXX has over 60 complaints of similar stories also. I could find no phone number for this agency and no website. Eventually, I came across a file ( I will include said file ) stating Cascade Capitol lost their business license as of XX/XX/21. I just want this so called debt removed from my credit report and right now, I have no way of doing so. Not to mention this is a false debt. 
PS-I was unable to upload anything, the upload tab is not working! I do have copies I wanted to include.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05
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: WELLS FARGO & COMPANY

Complaint:
This inquiry was unauthorized. I have contacted all three credit bureaus as well as the company in question about removing these unauthorized transactions from my credit report. Whenever I am calling, I am told to just wait the 2 years for the inquiries to fall off and there's nothing that can be done to remove them. I have asked for company to provide documentation that shows where I authorized these inquiries, and the companies have refused to provide documentation, as well as refused to remove the inquiries.

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 2018-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.

Complaint:
In XX/XX/2017, Chase suddenly closed all of my credit card accounts after applying and receiving a new credit card ( My fourth, and I suppose one too many ). At  the same time on XX/XX/2017 my Chase XXXX XXXX card posted its annual fee of {$450.00} and on XX/XX/XXXX my accounts were all shut down. I subsequently contacted Chase phone support to find out more information about the shut down, which they couldnt tell me more about, and what would happen to my annual fee that posted. Phone support told me I would be refunded my annual fee. A month later, the fee wasnt refunded, and I called again. I was told again to be patient, and it would be refunded. Another 2 months later, I called again and was told to be patient again. Six months after the fee, I called the fourth time, where at that point I was told my entire account history has been erased from Chase and there was no longer any information for my past accounts. 

I was told I should fax a letter to a number, which I did. The response after a month was : We understand that you would like to receive a credit for the annual fee of {$450.00} assessed on the account. Our records show that your credit card account was closed with a XXXX balance. We are unable to credit the annual fee since the account has been inactive for several months and can no longer be accessed. 

Fantastic. 

My next step was to go to Chase XXXX support, which was quite friendly and excited to help me out further. After a month of back and forth writing Chase support they told me I would receive a full refund of my fees of my fees. It would take 6-8 weeks to receive. 

After 2 months I received a cashiers cheque for {$95.00} for an entirely different credit card that has been closed for five years. 

So at this point, Ive been in communication again with Chase support for the last two months, and they tell me they will write me when they have more information. At this point its been over 9 months since this dilemma started, and I frankly dont know what to do anymore. 

Can they just take my money? 

I do not have copies of the statement of my credit card, because Chase made my statements unavailable as soon as they closed my accounts. I only have copies on XXXX where I see the fee and the time my account was closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc

Complaint:
I request refund from a fraud company named XXXX XXXX and Paypal would not refund my funds from this fraud.. I have not recieved no products nor assistance in my refund. the fraud was XXXX XXXX of 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
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: Experian Information Solutions Inc.

Complaint:
To Whom it may concerns, please remove those charges from my credit reports. They are fraudulent accounts and I did not give permission to any of these people to apply any charges on my accounts. This is very stressful the fact that I constantly have to worry about people using my name wrongly. 

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