hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2017-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
Someone put me down as a co signer on a fraudulent car loan and this company refuses to fix it no matter what I send in. I have sent a police report, documents and a ftc identity theft report yet this fraudulent account is still on my credit report fraudulently blemishing my record and I was n't given a chance to send all the information in within the first 30 days before it was reported to my credit due to all mailings going to an address I am not associated with that went to the fraudster. So I could n't dispute the fraudulent nature of this account. Which in turn causes me to miss other accounts that were fraudulently opened after that such a XXXX car insurance, a light bill, cable and an apartment after that point of first compromise. If this step does not resolve my issues I am taking legal actions regarding this unauthorized account. I should n't have to be thrown between 3 different departments when I call trying to get this removed, lied to and not provided the fraudulent application that was put in. It was not provided within 30 days of my original request for it and still have nothing on my end to try and pin point who may have done this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.

Complaint:
Around XXXX of 2009 I had cancelled service with XXXX wireless ( cell phone service ) by contacting their corporate office via phone and was told that the service would be turned off and not be charged a cancellation fee. I do n't know why but I never received anything by mail or telephone call to inform me that XXXX was trying to collect an unpaid bill for the month of service before cancellation. Due to none payment Version sold my debt and I was contacted years later by Midland credit management. After speaking with them multiple times and trying to fix the issue, also speaking with XXXX, who does n't have any available information to give me, I have noticed that the date the collection was opened has changed a few times. I 'm concerned that there might be an illegal and/or unethical practice going on. Not only has the date changed but the price of the debt is significantly higher than should be. I have no other option than to submit a complaint. If nothing can be done from a complaint then next course of action would be contacting an attorney to investigate the matter in more detail for legal actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belongs to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$330.00} ; XXXX XXXX XXXX Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$910.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$920.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
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 acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Acct XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 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 2022-04-10
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 — Investigation took more than 30 days
Company: Bliksum, LLC

Complaint:
I XXXX XXXX have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I have yet to receive any response from the credit bureaus regarding my investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
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:
This account is not my account and it is adversely affecting my credit score. 

I am not familiar with account number 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 2023-08-23
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc

Complaint:
On XX/XX/XXXX I noticed an unusual charge on my debit account for {$190.00}, from XXXX XXXX via paypal, something I had not authorized Paypal to pay. I have called both companies at least 4 times and get the same result which is to contact the other company. I was not even lookind for a hotel. Paypal is also arguing that i had an agreement set up with. XXXX XXXX to deduct this amount which again I had never authorized. I usually like to use only credit cards for hotel reservations. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
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:
this is like the 15 th time i have had to make a report about this credit reporting agencies, experian, XXXX and XXXX i have made police reports, ftc affidavids wrote them called them and they still keep putting this fraudulant info on my reports then they take it off to get it back three months later under a different collection agency name, I HAVE HAD AND STILL HAVE FULL COVERAGE MEDICAL INSURANCE FOR THE PAST 11 YEARS NO DEDUCTABLE! AND THEY KEEP PUTINNG THESE FRAUDULANT ACCOUNTS ON MY REPORT, NOW IT SAYS IT IS FROM 3 MONTHS AGO XXXX XXXX 2017 FROM XXXX XXXX/XXXX XXXX XXXX WHICH IS A TOTAL LIE FOR ONE I MOVED TO XXXX XXXX COUNTY 7 MONTHS AGO SO I AM NOT EVEN IN THAT COUNTY XXXX PLUS I HAVE INSURANCE THEY ARE SAYING I OWE XXXX XXXX I ASKED FOR WHAT SINCE I DONT EVEN LIVE IN THAT COUNTY THE CREDITOR CAN NOT TELL ME OR HAS NO SIGNITURE NO NOTHING BUT THEY PUT THIS FRAUD ON MY CREDIT!! I AM GETTING SICK AND TIRED OF THISOH BUT THE CAR I PAID OFF IN FULL NEVER LATE IS NOT PUT ON AS GOOD CREDIT BECAUSE I PAID IT OFF THIS IS SUCH A SCAM PLEASE HELP ME 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 2020-06-18
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY

Complaint:
I purchased furniture and got a loan from WellsFargo in early XXXX. When the first statement came I tried creating an account online and was not able to. Called the customer service team and they indicated they needed in person verification. I took time off work to go to one of the local branches so they could do the verification. They told me the issue was resolved and I should be able to create my account. Tried creating my account but I was not able to. Waited some more to see if it just need to be refreshed. I tried in several occasions but was not able to. Called on XX/XX/28 to get help, was told a technical support ticket was opened and the issue would be resolved in a few days. Never heard back. When my account is due they sent me an email asking to log in to view important messages. I tried longing in but couldn't. I called their customer service team, spent just about XXXX minutes on the phone with several transfers and holds and the issue was not resolved. I am having a hard time trusting this financial institution with my private information as they cant even resolve their own internal system issues. 

Following WellsFargo guidance of calling, being on hold, going to their local office, calling some more, I have spent hours of my time trying to resolve this issue. I had to take time away from work to get their issue figured out. They should be held accountable.

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 2020-04-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc

Complaint:
I'm on XXXX with XXXX  XXXX and XXXX XXXX for low income. XXXX XXXX  {$1500.00} XXXX XXXX XXXX Acc # XXXX Medicredit , Inc. {$350.00} XXXX/XXXX  XXXX, XXXX  Acc # 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 2019-03-19
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION

Complaint:
In XX/XX/XXXX I bought a XXXX XXXX XXXX from XXXX XXXX dealership in XXXX XXXX, LA. I agreed to a 2 yr lease and was told after that I could return the car for another one of my choice. When the time came along. They had no information on the loan. I lost my job soon after and the car was possessed. I was never notified that i had a court date, however my check began to be garnished then i recieved the notice. Whenever I called the company they said I owed XXXX would like to sue them for fraudulent contract, economically targeting poor people and minorities. Also I would very much appreciate it every case be investigated individuality and ALL unfair wages be compensated. As well as criminal charges be bought on the ones responsible. Lastly I request that the company be shut down or sold.

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 2020-12-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.

Complaint:
I have federal loans serviced through Navient. 4 of the loans are XXXX  subsidized loans from my XXXX at Ohio XXXX and 1 is a XXXX PLUS loan from the XXXX XXXX XXXX. They have not delayed payments and have been charging interest all year. I messaged them about this and they first stated that it was due to loans being amortized on a schedule and that I wasn't being charged interest. I followed up later due to a different reason and they stated that the CARES act rules did not apply to my loans because they are not held by the department of education. They were still federal loans that were serviced by Navient so I'm not sure why this would not apply. My main issue is that they have been charging interest since XXXX which adds up to a significant sum and they did charge me 1 late fee which would not be present if CARES Act rules were applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
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:
I recently received communication from XXXX, Experian, and XXXX attempting to collect an alleged debt. 
I send a letter to XXXX, Experian, and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants XXXX, Experian, and XXXX the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.

* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

* All statements while this account was open.

* Have any insurance claims been made by any creditor regarding this account?

* Yes * No * Have any Judgements been obtained by any creditor regarding this account?

* Yes * No XXXX, Experian, and XXXX never responded! 

Furthermore XXXX, Experian, and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represented the character other Violations under 15 USC 1692 e that XXXX, Experian, and XXXX is implementing itself. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore XXXX, Experian, and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective XX/XX/2021. Cease reporting this debt immediately or face legal action. XXXX, Experian, and XXXX lacks permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 

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 2023-05-03
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 — Their investigation did not fix an error on your report
Company: Synovus Bank

Complaint:
I have satisfied the account with the following company for the Account Number # XXXX and as a result I was notified that once I paid this account off in its entirety that this account would be removed from my credit file as it is preventing me from being able to gain credit at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I attempted to to send USD from a CapitalOne 360 account to a   XXXX   XXXX   XXXX   account. Capital One told me that this transfer process between my own accounts takes 48 hours due to 'federal regulations '. In  XXXX ,  XXXX  and other countries the transfer of funds ( in the same currency ) occurs instantly. Why does this process take so long in the United States?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CRESCO CAPITAL INC.

Complaint:
Hello there! Iam making a final goodwill attempt to have you clear up this matter. Its my understanding that consumer financial protection bureau help 's enforce consumers right 's, and stop bad reporting agency feom reporting inaccurate incomplete errors on consumer credit report. Also be advised that this is my third attempt, 120 days no response, is a automatic delection. This company is in violation of 15usc 1681, no need for me to go into detail, and tell you the law your company knows for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report, with physical documents. I am sure that uou are aware, current federal case law which states that consumer reporting agency bear grave responsibilities to ensure the accuracy of the account they report report on their responsibility must consist of something more than parroting information received from other sources which means i never received any proof of this account so it has to be removed required by law. 30 days validation note section 1692g ( B ) collector must provide name/ address of orignal creditor if different from current creditor. Section 1692e ( 8 ) failure to communicate that a debt is disputed to the other reporting agencies the list just continues. This company has ignored my request to provide me with the documents thats in their files months ago. Its obvious this company can't this account, and under section 611 ( 5 ) ( A ) of the fcra tou are required to promptly all information including the big three credit bureaus which can not be verified. Sounds like a civil liability thats granted to me for negligent noncompliance section 617 state 's if you fail to comply with the federal law, i can pursue litigation to my right under thr FCRA, i truly demand this account to be removed immediately Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
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: Resurgent Capital Services L.P.

Complaint:
I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. I have been in contact with the alleged debt agency, LVNV Funding and customer service was horrible. They sent me a letter claiming another alleged debt agency have file. ( EVIDENCE ATTACHED ) They are robbing, badgering my credit with no explanation on an erroneous alleged debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.

Complaint:
Chase Bank closed personal checking account alleging unemployment benefit fraud on XXXX. Chase Bank statement states " XXXX XXXX Check '' issued on XXXX in the amount of {$5900.00}. I still have yet to receive this check, and Chase Bank refuses to provide me with an image of it as proof that it exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc

Complaint:
Chime shut down my account without telling me I called them and they said they found some activity on my account but they would not describe what kind of activity so they shut my account down where I was getting my social security XXXX at they also sent me several emails last night and early this morning saying how abruptly sorry they are but still would not give me a reason of why they should my account down but won't give a reason why they terminated a relationship with me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.

Complaint:
I am currently on the Income-Based Repayment program with my lenders ( XXXX, XXXX XXXX ) regarding repayment on my federal student loans. Due to my large amount of financial obligations for private student loans, my payments have been very low, approximately $ XXXX/month. Now Nelnet has increased my payment over 8 times to $ XXXX/month. 

I can not afford these payments and this new payment schedule does not accurately represent my income nor does it make it easy for me to repay a loan that I can not afford. 

I was not able to find a well paying job and recently my income dropped substantially when I changed employers. 

I need help. XXXX does not wish to assist me with this and so I am filing a CFPB complaint in the hopes that my IBR gets adjusted so that it accurately reflects my current income situation. They believe that my income is much higher than it is because XXXX is not considering private student loans which is a mistake that XXXX XXXX does not make.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Early Warning Services, LLC

Complaint:
this was not sent in error i am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my early warning report. Unauthorized use of my early warning report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
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:
Account # XXXX - XXXX XXXX XXXX 15 USC 1681 Section 602 A States i have the right to privacy 15 U.S.C 1681 Section 604 A Section XXXX It also states a consumer reporting agency can not furnish account without my 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