hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2018-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC.

Complaint:
I called both companies to let them know I was not the one inquiring about airline credit cards and needed it disputed. I was let known I was not in their system and they could do nothing to help even though it was 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 explanation
Consumer complaint received 2017-10-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.

Complaint:
This is a complaint against NATIONAL CREDIT SYST. I have been a victim of identity theft for two years and my XXXX credit report shows an open account without my permission, without my authorization but this is not the worst thing is that it was opened without number of Social Security that is not mine, so what is this abuse and lack of respect, the bad work that your department does to report to an agency a fraudulent account in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: I.C. System, Inc.

Complaint:
On XXXX XXXX, 2016, IC Systems placed a derogatory report on my credit report for what is described as " XXXX XXXX ''. I was never contacted about this account. I have disputed that this account belongs to me with the credit bureaus. By Law, IC Systems is required to contact me and at my request, provide me with proof of who owns the debt, who owes the debt, what the debt was for and the time frame the debt encompasses. IC Systems has done none of this. In fact, they have violated several FTC rules : 1 ) Every collector must send you a written " validation notice '' telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you do n't think you owe the money. I was NEVER contacted ... ... EVER. 2 ) Debt Collectors may not : give false credit information about you to anyone, including a credit reporting company. By reporting to the credit agencies without contacting me and proving/validating the debt, they are providing false information to the credit reporting agencies. 
If the debt is indeed mine, it is over six years which is the Statute of Limitations in Arizona. This also makes the debt noncollectable. What IC Systems is doing is fraudulent and intimidating. Plus, my credit score dropped XXXX points the day their report hit my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
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:
I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-03-06
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:
IDENTITY THEFT STATEMENT Identity Theft Report # XXXX Dear : XXXX, Equifax XXXX XXXX This statement is in reference to the below mentioned accounts in which I, as a consumer, identify this information as a result of an alleged identity theft. The information does not relate to any transaction by myself, and I did not benefit from the transaction. 
Pursuant to 15 USC 1681c-2 ( a ), these accounts must be blocked and deleted from my consumer report no later than 4 business days from the date that your agency receives this statement. 
Attached is my appropriate proof of identity, a copy of my identity theft report, and the identification of such information below. 

XXXX XXXX XXXX XXXX : # XXXX XXXX. XXXX XXXX XXXX : # XXXX XXXX. XXXX XXXX : # XXXX XXXX. XXXX XXXX XXXX XXXX. INQUIRY : XXXX XXXX XX/XX/2021 Failure to block and delete the above identified accounts will result in your noncompliance of the Fair Credit Report Act in which you be held civilly liable for actual damages, statutory damages, punitive damages, and cost & fees associated with any suit brought against your agency for willful noncompliance. 
Please send an updated copy of my consumer report reflecting the deletions of the above accounts. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I received a letter from XXXX XXXX XXXX on XX/XX/2021. XXXX XXXX XXXX are debt collectors attempting to collect a debt on behalf of Capital One Bank ( USA ) NA. I have not received any goods or services from XXXX XXXX XXXX and I do not know how they received my personal information. 
XXXX XXXX XXXX do not have a permissible purpose to contact me at all in regards to anything. I am not a party to whatever agreement they have with Capital One Bank ( USA ) NA. I did not agree to pay XXXX XXXX XXXX or Capital One Bank ( USA ) NA any fees for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC.

Complaint:
Requested documents are not being provided as well as violations by financial institution are as tho they dont apply to said corporation.

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 2021-03-04
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:
There is incorrect personal information on my credit report. I need the bureaus to update this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
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: ALLY FINANCIAL INC.

Complaint:
I have several negative payments reporting with Ally financial during a period of XXXX XXXX XXXX. The account in questions will be attached to the following CFPB complaint. There are multiple payments reporting late. The late payments being reported was reported during a period of being on XXXX XXXX military and being XXXX. This falls under SCRA. Please review the following attachments and correct the following late accounts to paid on 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 2019-05-22
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.

Complaint:
I opened the saving account for the {$25.00} bonus. I was supposed to received the {$25.00} bonus after 3 consecutive auto transfers from checking to savings. I notice on XX/XX/2019 that automatic transfer was cancelled for not enough funds into my checking 's account. Therefore, I put enough funds in my account on XX/XX/2019 requested that the executive team reactivate my automatic transfer for the month of XXXX. Although Ms. XXXX reached out to me from the executive office, she failed to try to resolve my concerns ( case # XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SCHOOLSFIRST FEDERAL CREDIT UNION

Complaint:
On XX/XX/2020 XXXX XXXX XXXX XXXX merged to become Schools First. Customers were told to activate their debit cards on XX/XX/XXXX and that their old debit cards would no longer be usable. I have been trying to call the activation phone number and log on to the website, but both say that the services are not available. I, along with other customers, are being prevented from using our accounts or having access to our money. Because consumers can not contact the bank by phone or on line, there is no way for us to resolve the problem with Schools First.I am writing this complaint to document the unfair and possible fraudulent behavior on the part of Schools First.

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 2016-08-31
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: GLA Collection Company, Inc.

Complaint:
Hi, I had previously filed a complaint with your company regarding this debt collection agency. They had stated to you guys that they had found the accounts in question, and claimed to have requested removal from all my credit bureaus. I have n't seen it yet!!!!!!! The accounts were under my maiden name which I do not use anymore. This is pathetic that I have to contact you guys regarding this! This was from GLA Collections Company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
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: Experian Information Solutions Inc.

Complaint:
Howdy. I check one of my three credit reports every four months. For, I'd guess, the last six or eight years, Every. XXXX. Time. I try to get my report from Experian, I get a message like " A condition exists that prevents Experian from being able to accept your request at this time. '' I've never had any trouble whatsoever with either of the other two companies. To be fair, the one time I requested my report via snail-mail, Experian did send it, but I want to avoid the trouble and expense of snail-mail. 

It's hard for me to believe that Experian is acting in good faith. Please kick them. Hard and repeatedly. 

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 non-monetary relief
Consumer complaint received 2023-02-16
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
I am a victim of known-name identity theft. I keep receiving mail from Portfolio Recovery Associates , LLC for a XXXX XXXX at my address. In my 13 years of living at this address, there has never been a XXXX XXXX living there. 

On several occasions, I have contacted Portfolio Recovery Associates , LLC and other debt collectors sending mail to XXXX XXXX to my address. They keep sending mail. When calling Portfolio Recovery Associates , LLC, my call keeps getting dropped/hung up, or I am told that because I'm not the debtor they can't discuss the matter with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-31
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
I have had an awful time with Portfolio Recovery Associates, stemming from their inaccurate reporting to the credit bureaus -- which includes double reporting debts they claim I owe them, to reporting in multiple ways ( Collections account, Credit Factoring account ), etc. I have provided documentation to verify these facts, and they brush them off and say " We don't report as a credit factoring account. '' Additionally, they've been incredibly harassing with phone calls, despite the fact that EVERY SINGLE TIME they call from their different numbers, I answer, inform them that I've instructed them to stop calling me, but they continue doing so. Sometimes I'm able to inform them that I've told them many times to stop calling and have also included that I've sent a cease and desist letter, and the call ends there. Often times it's met by aggressive phone representatives yelling at me or questioning me. It's never-ending with this group. 

I have now saved three different phone numbers that have harassed me from Portfolio Recovery Associates since I first told them to stop harassing me and sending a cease and desist letter : XXXX XXXX ( called as recently as this morning ) XXXX I have open complaints with the Better Business Bureau as well since I have had zero luck working directly with this very abrasive and aggressive group.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I tried to cash a ( XXXX dollar ) check with capital one on XX/XX/XXXX. Shortly afterwards my account was put on hold. After a while I tried to contact them and only got a voicemail. Only after contacting their XXXX support nearly 3 weeks later I finally am informed that the check has NOT been accepted and my account had been closed. I take them at their word and deposit the check in another bank. A week later I received a call from the second bank ( XXXX XXXX ) that my account is being put on hold since I had already cashed the same check! Upon further research, my capital one account appears to still be open and the check deposited. When I tried to get in touch with capital one, I'm still having the same issue of getting a voice mail with nobody ever calling back! As of now it's been over a month with no resolution. This has also affected my standing with ally bank, as they now suspect me of fraud since I deposited the check again that I was told was never accepted. To be clear - my account has been on hold and inaccessible the entire time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.

Complaint:
I have been trying to dispute the late payments and debts that are being reported by the collection company and original creditor multiple times for about 4 months. Procollect and XXXX are reporting the same debt and same late payments. Procollect is the collection agency that purchased the debt and reporting late payment every month. XXXX has the same accounts on my credit with same amount owed, same account number and reporting late payment every month instead of listing as sold and charge off updating the amount of the charge off and late payments affecting my credit every month. Please help.

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 2023-02-28
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 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-02-28
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:
Good afternoon, I am XXXX XXXX. I am a victim of identity theft. I have listed the accounts that I did not create. This is wrong and I ask that all items be deleted. I need these items deleted. So, the correct information is listed on my credit report. The theft has been reported to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

God Bless, 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 2018-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS)

Complaint:
On XX/XX/XXXX I tried to open a XXXX checking account and was told they could not open it because chexsystems was frozen. I told them I have never frozen it so they called chexsystems and they said it was not frozen to try and pull again. They did this again and it came back again saying frozen. On XX/XX/XXXX again XXXX tried again to pull my report and it came back saying chexsystems is frozen. We called again and was told it is not frozen. Chexsystems told them to pull it again and they tried again and was still showing frozen. I ordered a copy of my report and called in and was told again it was not frozen. I have never had a problem in my life opening a checking account and now I have 4 XXXX inquiries I want removed because all 4 times chexsystems said it was frozen. On the back it says XXXX XXXX frozen. Yes I did freeze that but not chexsystems. It was frozen because of the breach XXXX XXXX had. I would like that removed from my chexsystems report as that is coming through to banks that I have my chex report frozen which I do not and never have. Dl number is XXXX ss XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Cars America Inc.

Complaint:
XXXX XXXX of XXXX, XXXX whom then became XXXX XXXX XXXX XXXX and Finally Sold out to Cars America located on XXXX XXXX XXXX XXXX XXXX, TX XXXX. 

Cars America Repossessed my XXXX XXXX XXXX on XX/XX/XXXX claiming that I was not supposed to leave the State with the car. I moved from XXXX to XXXX due to a Job Opportunity. XXXX XXXX was my only means of transportation. I was never told nor informed that taking the vehicle out of the state of XXXX was not allowed. 

Back in XX/XX/XXXX when I electronically signed the Contract, the Sales Manager at XXXX XXXX XXXX XXXX never disclosed the " no leaving state clause '' she was only INTERESTED IN THE {$3000.00} DOWN PAYMENT I had with me. 

I did not electronically signed anything specifically in regards to and/or acknowledging the " not leaving the state of XXXX '' clause. 

Also, they sold me a vehicle with FRAME DAMAGES ... ... in XX/XX/XXXX, my car was hit while unoccupied " hit & run '' and upon removal of the Right Front Fender it was discovered that the vehicle has FRAME DAMAGE when I informed XXXX XXXX XXXX XXXX they said that I should have check the vehicle before signing the contract.. how am I supposed to check the FRAME? They should 've never put this car for sale with FRAME DAMAGES as it is not allowed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
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:
I first disputed inaccurate inquiries with equifax and they came back verified. I then sent a method of verification request exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). According to federal law they must provide a response within 15 days of receiving that letter. Well I have proof via USPS CERTIFIED MAIL that equifax received my letter on XX/XX/2022 and here is the tracking number XXXX Till this day XX/XX/2022 i have not received any form of communication with the credit reporting agency equifax thus they took longer than 15days which in fact is a VIOLATION OF FCRA. I demand they remove the inaccurate unverifiable inquiries by these lenders XXXX XXXX XXXX XXXX XXXX XXXX XXXX if not i will gladly enforce litigation and take equifax to small claims court in XXXX XXXX MN for playing with my privacy and credit report and for violating federal law. I will request {$1000.00} per inaccurate unverifiable items and i am 100 % certain i can prove to a judge these items are inaccurate and equifax has violated law. 

IF Equifax does not respond appropriately to the CFPB complaint and correct the errors on my credit report within 14 days A lawsuit against equifax WILL be FILED IMMEDIATELY.

Company response to consumer: Closed with explanation