hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION

Complaint:
I have 2 issues using USAA banking services. 1st issue is that my checking account deposits are not being credited in a timely manner and my account has been put of a fraud alert. because I sold a truck to " XXXX '' and their check got returned and then they wired the funds the next business day and corrected the situation. NOW Usaa is putting my account on " fraud alert and I have now been on hold for almost 3 hours, with a representative trying to resolve this mistake. '' My time is valuable and its not being treated like such. 

2nd issues is USAA had a credit card rate offer of 6.9 % and my credit is excellent yet because USAA is using an outdated XXXX SCORE of XXXX, XXXX it shows a low XXXX score so they gave me an interest rate of 12.9 % AND I monitor my scores on XXXX site and istead of using my XXXX score of XXXX, they are using an outdated score of XXXX? this is not a good use of a range of interest 6 % higher by using an outdated XXXX score... how is this legal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
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:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30, 60, 0r 90 days late in the month of XXXX. I 'm not sure how this happened. I have alway made my payment on time to you when I received my statement. My only thought is that there was a billing error with my statement.

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 2021-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.

Complaint:
I've been trying for several months to get the following information corrected that is inaccurate : Account opened XX/XX/XXXX & closed XX/XX/XXXX, shows XXXXwo late payments that fall under the Cares Act and shouldn't be reporting late. This account is also reporting as being included in a bankruptcy when it wasn't. 
Account opened XX/XX/XXXX, is showing a balance and open when it has been paid off in full since XX/XX/XXXX. 

The local store won't work with me and continues to tell me there is nothing they can do. The Credit Bureaus keep reporting the disputed inaccuracies as verified, when the information is clearly not accurate. I'm at the point of launching a lawsuit.

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 2018-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY

Complaint:
Over a year ago I disputed a fraudulent Wells Fargo Credit Card on my credit profile a long with sending in police report. XXXX claimed after investigating that the account was mine. I sent the same police report and filed a CFPB complaint against Well Fargo ( CFPB # XXXX ). Wells Fargo sent me a letter dated XX/XX/2017 stating the account was fraudulent and they will stop reporting to credit bureaus. I again disputed the account with XXXX. They have not deleted that account from my credit profile.

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 2023-09-27
Product: Credit reporting 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 won't tolerate your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. WHO ON EARTH GRANTED YOU THE AUTHORITY TO DETERMINE WHAT CONSTITUTES A MATERIAL FACT? YOU'RE NOT A JUDGE, A JURY, OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! YOU HAVE ABSOLUTELY NO RIGHT. My distress arises from the fact that I HAVE BEEN A VICTIM OF IDENTITY THEFT, A CRIME THAT HAS INFLICTED SEVERE EMOTIONAL AND FINANCIAL TURMOIL UPON MY LIFE. YET, YOUR BUREAU 'S RESPONSE, OR RATHER THE LACK THEREOF, HAS DEMONSTRATED A SHOCKING DISREGARD FOR THE URGENCY AND GRAVITY of my situation. I demand immediate and unwavering attention to my identity theft disputes. The languid pace at which your bureau has operated is nothing short of negligence, and it has amplified my suffering. It is high time you realize the real-world consequences of your inaction. PLEASE DELETE THIS ACCOUNT : 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 2021-06-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stern Recovery Services, Inc.

Complaint:
I am filing this complaint pursuant to the Fair Credit Reporting Act the Fair Debt Collection Practices Act. Stern Recovery Services has placed a derogatory collection account on my credit report that I have no knowledge of. The alleged debt that they are attempting to collect on is in the amount of {$540.00}. The original creditor is XXXX XXXX. 

I have no knowledge of this account and was never notified of my right to dispute and didn't even know I could dispute this matter based on the above mentioned Federal laws and my rights as a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
I was forced to purchase tickets I could not use to go to XXXX XXXX. I complained to my credit card company about the charge. XXXX XXXX lied to Bank of America and said I used the ticket but they actually issued me another ticket to use in XXXX, instead of giving me a refund. They are holding onto my money. I would have to buy new plane tickets, and get a new hotel room, to be able to use these tickets. I want a refund not complimentary tickets to use in XXXX. Bank of America thinks its ok for me to not get a refund. Then they called me and said they will take care of my complaint and they gave me a number to call and a person to talk to. That person does not return phone calls or answer the phone. The number goes straight to voicemail. Her name is XXXX she works at Bank of America her number is XXXX ext XXXX. 

The transaction date is XX/XX/XXXX the posting date is XX/XX/XXXX the reference number is XXXX. The amount is for XXXX This is the new ticket they gave me after I flew back to XXXX from Florida in XX/XX/XXXX. 

Dates Valid XX/XX/XXXX thru XX/XX/XXXX Order Number Order Date XXXX XX/XX/XXXX XXXX Contact Person Guest Contact Details Guest XXXX XXXX Product Guest Name XXXX XXXX Ticket Guest XXXX XXXX XXXX Ticket Guest XXXX XXXX XXXX XXXX Dining Ticket Guest XXXX XXXX XXXX XXXX Dining Ticket Guest 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 monetary relief
Consumer complaint received 2021-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION

Complaint:
Navy Federal Credit Union willfully and knowingly ( 15 usc 6823 ) is practicing a deceptive form of collecting on a debt which is a violation of my rights as a consumer under U.S.C title 15 chapter 41 COMMERCE AND TRADE ( SUBCHAPTER 5 ) FAIR DEBT COLLECTIONS PRACTICES ACT. My social security number was used to loan me my own credit from the master promissory note ( which is equivalent to money according to 12 usc 1813 i ) aka the car loan application, I filled out online via Navy Federal Credit UnionXXXX financial institutional app. I know my social " SECURITY ( number ) is valuable. NFCU is a debtor illegally barrowing against my security and loaning it back to me according to 12 USC 83. I know that NO BANK can use my funds ( aka dollars ) for fractional lending because all obligations belong to the United States according to 18 USC 8. Furthermore, when I put my signature on this security, NFCU failed to fully disclose the consumer transaction. 

This is an advisory of NFCU 's best interest to be cooperative of my requested remedies. Otherwise, pursuant to 28 usc 3001 civil suit through the United States district court will be fervently be pursued and executed. You all are highly aware of the power I have as the consumer, natural person, and original creditor which is why I will stop at nothing to get this matter to be favorably settled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.

Complaint:
On XX/XX/21 I mailed Experian a dispute letter disputing an account being reported to them by XXXX XXXX account # XXXX. I notified Experian that the company is reporting inaccurate unverifiable information. Before submitting a letter to Experian I requested verification/ validation from XXXX XXXX myself. The documents the company sent me to verify the debt that I have no knowledge of stated information that was totally different than what they were reporting to Experian. The address, and amount owed was incorrect. In my dispute letter to Experian I advised them that according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Experian has yet to respond to my dispute I have tried to contact them by phone and letter. Documentation attached to complaint.

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 2021-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc.

Complaint:
theres several issues with carmax reporting on my defective ford fusion loaned upside down XXXX kbb according to three banks- XXXX , XXXX , and one other. I asked XXXX in person, XXXX XXXX location. XXXX  XXXX service center refused to fix my car 3x. carmax left me no choice but for them to repo it in 16 ( SIXTEEN ) - not 19 ( NINETEEN ), as its being reported. no company complies with the law, lemon lawyers unable to aide me. I did ask.

Continues thru experian to extort and reage debts, now beyond statute- will not update reports released to lenders, etc of which I do business with. REPORTING INACCURACE SLANDEROUS INFORMATION THAT I AM A SERIOUS DELINQUENT and NOT CREDIT WORTHY. This has affected new accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
In XX/XX/2020, XXXX reported the last payment of {$93.00} to them 30 days late in error. We contacted the company and they agreed in writing ( even providing a reference number ) that they would update my credit report with all three bureaus to show that it was never delinquent. I have a copy of any email from them to verify this agreement. They admitted to the error but my credit report was never updated. The AUD control number for the update request that was sent to the Nationwide Credit Reporting Agencies is ( XXXX ). Nothing was done by the credit bureaus. This has greatly impacted my credit score.

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 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.

Complaint:
5th Attempt pls correct my address THIS IS THE ONLY CORRECT ADDRESS XXXX XXXX XXXX XXXX XXXX Texas XXXX Please delete all other addresses I have sent certified letters 4 times and made a complaint with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.

Complaint:
I was looking at my consumer report and noticed several student loans listed on my account. I am writing this letter in reference to these loans and would like to settle this matter with your company. 

I would like for Nelnet to send me a statement of the amount owing as of XXXX XXXX, 2022, and I am conditionally agreeing to pay if you can provide me with the original instrument of indebtedness in its original form. I do not want Nelnet to send me a computer-generated letter, or a copy of a promissory note, I only want the original instrument of indebtedness with my wet signature on it. 

In addition, I would like Nelnet to know that only the holder of the note has the right to collect on the original instrument as such. Please provide proof that my account was not sold and used for profit as it pertains to securitization. 

Lastly, I would like to request my written permissible purpose letter that I sent your company that stated I gave your company the right to furnish this information on my consumer report. According to federal law, Under 15 U.S. Code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Never did I once grant your company permission to furnish such information on my consumer report nor did I consent for you to sell my personal information to outside third parties. I am giving your company thirty ( 30 ) days to settle this matter, please use this time wisely.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY

Complaint:
My  XXXX   XXXX   XXXX  is trying to open an account with Wells Fargo. When he presented his social security number, they were unable to give him online access to the account because his social security number is already in use with a customer of Wells Fargo in California. This is crazy, and cements to me that son 's credit identity has been stolen and is being used. Because he is minor, I have been unable to pull his credit report from  XXXX  of the  XXXX  major crediting agencies. And how is a  XXXX  in California using my UNDERAGE SON 'S CREDIT INFORMATION WITHOUT MY PARENTAL AUTHORIZATION?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.

Complaint:
Experian is reporting inaccurate information on an account and inquiry that I never made. The following account does not belong to me : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United Accounts, Inc.

Complaint:
I have contacted United Accounts Inc on several occasions to delete a account # XXXX that was an incorrect account. The original creditor ( XXXX ) also called them and confirmed this should be deleted immediately as it was an incorrect account. United Accounts is claiming they submitted the request for the account to be deleted on XX/XX/2019. I have talked with XXXX on several occasions and they stated that they only thing they have done is confirm the amount owed. United Accounts refused to send an update until the end of the month again. They told me I would have to wait until XXXX and see if it comes off. This should not happen at all, when it was requested by XXXX it should have been immediately deleted! They are now only restating the already talked about situation and refuse to do the right thing. I have contacted all the credit bureaus and none of them have this request at all, they said if it was submitted they would have received it immediately and it would be deleted almost immediate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mountain Run Solutions, LLC

Complaint:
Mountain Run Solutions is reporting the wrong amount owed. I contacted the collections agency in writing and by phone but could not resolve the issue.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
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: EQUIFAX, INC.

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$57000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
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: EQUIFAX, INC.

Complaint:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT 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 XXXXXXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 section 602A.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 response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
Both Capital one and XXXX XXXX XXXX were both actively collecting on the same two duplicate accounts ( they all have different amounts owed listed ) at the same time. I have asked XXXX XXXX for proof of the debt/ownership and have yet to receive it, yet they still have had time to send me threatening mail and call me continuously. On my XXXX  account, it shows that Capital One, only recently, closed the account on XX/XX/2019, with a pay status of " Current or Paid as Agreed ''. Despite this, XXXX XXXX has been actively harassing me with phone calls multiple times a day ( every day, including weekends ), that start at XXXX XXXX and go throughout my time at work. They have even sent various letters that threaten to sue me ( to various unverified addresses ) with one being delivered to my old address and signed by somebody else, with no intent to do so. A lot of the times I felt that they have even misinterpreted themselves as legal counsel. I have attached their most recent letter, that I've received, which is threatening legal action, as well as what both creditors have reported to XXXX. The only reason that I have not tried to resolve this issue with them directly is because I feel that this company is untrustworthy, from what I've experienced so far and would appreciate the help of a third party.

Company response to consumer: Closed with non-monetary relief