hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2016-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA

Complaint:
For the past few years, I have been making payments on my student loans through the IBR system. I applied for REPAYE, which would reduce my monthly payments from about {$410.00} to {$270.00}. Before starting my REPAYE payment scheme, however, they charged me a single month on a 10-year repayment plan. This was {$1600.00}. They never told me that this would happen. It completely negates the monthly cash flow advantage of switching to the REPAYE program.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
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 contacted all three Credit Bureaus/AgencieXXXX XXXX XXXX, Equifax, XXXX XXXX  and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX? XXXX XXXX involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.

Complaint:
- Opened my Chase checking account on XX/XX/XXXX to receive a promotion going on at the time. Advertised {$300.00} for opening an account with Direct Deposit. 

XXXX XX/XX/XXXX I noticed the bonus hadn't posted yet so I called. They told me there was nothing they could do. My wife then called with me again later that same day, this time they told me they would open a case and call me back in 3 days. 4 days later no call, so I call them again on XX/XX/XXXX. They then tell me I need to go into a branch. 

-I go to a branch on XX/XX/XXXX they completely understood my situation and said they would call me back. 

XXXX XXXX the lady from the branch calls me and says there is nothing they can do even though I met the promotion qualifications because its past 21 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Webcollex, LLC

Complaint:
A person by the name of XXXX XXXX called my work phone, which is not a direct contact line. When I returned the call they were asking me personal identity questions while refusing to identify why they were calling or who they were calling on behalf of. They were rude, and in the end threatened me and told me I had to make arrangements today to pay today. I had no prior contact from this agency called CKS financial. I also had not heard of the company they claimed to have received my file from, XXXX XXXX XXXX. When I responded that I was at work and could not take the time to handle this phone call, but would look for something from them in the mail, " XXXX XXXX '' told me I better call back on a break today. Again I repeated that I did not have the time to deal with the call today and again I was told I better call on a break. Then she said she would write in my file that I said I would call back today, I told her I did not say that, but she again said I had to call back on a break today.

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
Consumer complaint received 2023-04-11
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: EQUIFAX, INC.

Complaint:
On ( XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
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 have tried to pull both my credit report and credit file and was given the message from XXXX, Transunion and XXXX that using my social security number, that I would not be able to retrieve my consumer report and file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
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 Credie Reporting Act XXXX these account below have violated my rights. 

Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : DEPT OF ED/XXXX Account # : XXXX Account Name : DEPT OF ED/XXXX Account # : XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX  ) Account # : XXXX Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account # : XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # : XXXX Account Name : U S DEPT OF ED Account # : XXXX Account Name : XXXX XXXXXXXX Account # : XXXX Account Name : XXXX 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 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 2018-03-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.

Complaint:
XX/XX/2018 I called XXXX   refused to investigate the inquiries put on my credit report and a couple of days before that I had the same problem with Experian they refused to investigate the inquiries that were placed on 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 non-monetary relief
Consumer complaint received 2023-05-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.

Complaint:
I was notified that I owe a debt to some company. I have not recieved verification of the debt and i have no clue what the debt is for. i dont even have the name of the orginal creditor. or the charges and amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Patrick K Willis Company Inc

Complaint:
In XX/XX/XXXX I have asked this company to stop contacting me and gave them a verbal cease and desist. They broke this cease and desist on today XX/XX/XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
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 DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2023-02-06
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: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
in according with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 section 2 states it also states a consumer reporting agency can not furnish an account within my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.

Complaint:
XX/XX/2019, XX/XX/2019 I have contacted NCB Management on several occasions to prove to them that this account does not belong to me and they are assisting that it does even after I have proven to them that the account was opened by a different drivers license, address, job information, email, mobile phone, address information. Everything on the application that was submitted IS NOT MY INFORMATION. I went so far as to send them a copy of my driver 's licence to prove the application 's driver license number is not mine and they still said they " are unable to substantiate the allegations in my dispute sent. 
To whom it may concern : I have proven to you that this account does not belong to me and should be removed from the three reporting agencies : XXXX, XXXX & XXXX. 
XXXX is still reporting the amount owed of {$2700.00}. 
XXXX is still reporting and XXXX is still reporting. 
NCB MANAGEMENT SERVICE Last reported XX/XX/2019 {$2700.00} Open balance XXXX XXXX   XXXX XXXX Original creditor By the provisions of the Fair Credit Reporting Act, I demand that these items be removed from my report ASAP!.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
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 2023-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings

Complaint:
I have been charged my Flex Deposit that has transferred the account to IQ Data stating that I owe them {$1500.00}. I am being fraudulently charged by XXXX company through another company that does not even exist and the charges should not be placed onto my credit report. I have filed a dispute through XXXX on XX/XX/2023 and received a notice back on XX/XX/2023 stating that the information is correct. When I moved into the apartment it was not clean things were broken that I had to personally fix out of pocket. When I left the apartment it was clean and no damages were done. I have photos of how the apartment was when I moved. I was never behind on rent and I also have a witness of all of this from XXXX of the property managers who works for the company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.

Complaint:
I received a letter that was dated on XX/XX/23 accounts was not verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
My name is XXXX XXXX XXXX, I recently moved back to XXXX XXXX but I use to live at XXXX XXXX XXXX, XXXX, XXXX XXXX. Just now I received a phone call from a gentleman who currently owns this address, where he observed via a remote video camera a person in the employment of Portfolio Recovery Associates ( a debt process server, confirmed by another neighbor who lived nearby ) trespassing on private land and attempting to break into his cabin. The man was watching him from his XXXX home at the time but the intruder was caught on tape. That tape as well as a report has been forwarded to the local XXXX police for trespassing on private property and for an attempted break in. He has told me that if this occurs again the intruder will be arrested and held for the local police. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: State Collection Service, Inc.

Complaint:
I Recently contacted State Collection Service ( XXXX XXXX, WI XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, WI XXXX ( XXXX ) XXXX-XXXX ) via mail concerning verification of the following accounts XXXXxx XXXXxx I have no knowledge of these debted accounts and want to be sure im not a victime of identity theft. 
According to the FDCPA i have a right to any and all documentation with my signature connecting me with these accounts. I have requested such documentation in writing and the State Collection Agency have not provided me with it thus far which makes the non compliant with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY

Complaint:
WELLS FARGO HAD AN ACCOUNT STILL OPEN WITH MY INFORMATION, WHEN I WAS TOLD BY THEM THAT THEY HAD CLOSED BY WELLS FARGO CHECKING ACCOUNT IN SPRING OF XXXX. I USE TO GO TO THE BRANCH ON XXXXXXXX XXXX XXXX XXXX XXXX, NEW YORK. THEY TOLD ME MY CHECKING ACCT. WAS CLOSED BY SOMEONE, I DID KNOW. THEN WHEN PRESIDENT JOE BIDEN SENT CHECKS FOR {$1200.00}, XX/XX/XXXX, {$600.00} XX/XX/XXXX, AND XXXX XX/XX/XXXX. 
THE ACCOUNT NUMBER WAS : XXXX, ROUTING NUMBER : XXXX. I CALLED IRS TODAY THEY TOLD ME THIS INFORMATION.

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 2023-02-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc

Complaint:
Received an email in an attempt to collect a debt on XXXX XXXX, XXXX. 
Submitted verification of debt letter on XX/XX/XXXX. 
Hunter Warfield replied with my rental contract. 
Sent another letter on XX/XX/XXXX and the company stated that they would not respond to any other emails from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Focus Holding Company

Complaint:
XXXX XXXX is alleging that I owe {$250.00} for a " Previous Balance ''. I have disputed this claim multiple times over the past 3 years but no one will explain to me what the " previous balance '' is from. Focus Management ( the debt collection agency ) removed the debt from my credit after I disputed the debt and then within a few months added the debt again ( this happened three times ). It 's a cycle of harassment. Focus Management refuse to send me a bill that explains what I owe. XXXX XXXX required that I pay {$10.00} per pay statement to obtain a bill from them. It has been a ridiculous cycle. If they can prove that I owe something I will pay it but so far they have not validated the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
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 10th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX  XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XXXX XXXX/XXXXXXXX

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 2020-11-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.

Complaint:
Santander consumer USA repossessed the car on XX/XX/XXXX at XXXX XX/XX/XXXX with no notification. They had my address on file they did not mail me a letter they did not call my phone they did not notify my references that i put on the original application XXXX XXXX my mother in law phone number was on the contract they did not contact her. My husband was layed off with coronovirus pandemic. this year we were evicted from our townhome i have records of eviction. We were denied food stamps and we stay at my mother in laws house looking for work. I only have a month here to find a place to live. With my XX/XX/XXXXbabies. A XXXX year old and a XXXX year old babies. Now we have no vehicle. They want XXXX to get out repossession i have XXXX. I never got my stimulus check my taxes were delayed this year. Im a united states citizen an being treated unfairly. To resolve this issue i would like the car back with regular payments. My husband just got a job since being layed off. He has not worked the first week yet. I just paid {$900.00} to get work done to the car with the mechanic i was going to reach out to pay now my husband has job. I have not been driving the car

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. Collections West, Inc.

Complaint:
I have sent the debt collector us collections west proof that the debt that are trying to collect is not mine and was opened fraudulently in my name due to identity theft. I have sent them the police report by XXXX police department, identity theft report filed with the federal trade commission and they are asking for a detailed report from the police which does not exist. I have talked to the supervisor in charge of the financial crimes department at XXXX police and was told there is no follow up and case was not assigned to a detective. They need to stop collecting this debt as it is not mine. My credit is also frozen with all 3 major credit bureaus due to the identity theft that occurred

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint:
The US Dept of Edu claimed to have provided XXXX and Equifax with an update of the accounts they report. I am requesting for XXXX and Equifax to provide me with a copy of the update or AUD they received from the US Dept of Edu for XX/XX/XXXX and XX/XX/XXXX The following student loans have been reported to the credit bureaus with inaccurate or lack of information. 
Account # XXXX = {$590.00} Account # XXXX = {$3500.00} Account # XXXX = {$2100.00} Account # XXXX = {$340.00} Account # XXXX = {$1400.00} Account # XXXX = {$1400.00} Account # XXXX = {$1500.00} Account # XXXX = {$2900.00} Account # XXXX = {$2500.00} Account # XXXX = {$2500.00} Account # XXXX = {$4400.00} Account # XXXX = {$4500.00} Account # XXXX = {$630.00} Account # XXXX = {$2500.00} Account # XXXX = {$2500.00} Account # XXXX = {$2400.00} Account # XXXX = {$3900.00} Account # XXXX = {$1100.00} Account # XXXX = {$2500.00}

Company response to consumer: Closed with explanation