hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2019-07-03
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AA Recovery Solutions, Inc.

Complaint:
Contacted via email about a debt for two motorcycles I purchased. One was already repossessed, and the other one was not. Threatened many times about being sued, wages garnished, and possible arrest by police. Never received anything via mail, only calls and emails made/sent to myself as well as my mother. They said the same threatening things to her about what could happen to me, if the debt wasnt payed immediately, and continued to badger her without any permission from me to talk to her about my debt..They have offered a settlement, but they wouldnt provide a physical address of their business until my mother told them we wouldnt send any money without knowing where theyre located. They had originally asked for payment over the phone, and then gave a PO Box where to send it. When I searched for information on the internet I found on the XXXX that this agency name and address was closed, and many of their tactics where reported over and over in complaints to the XXXX. I did ask them about finding on the XXXX site where it said their business closed, and they told me businesses change all the time ... The name the collections agency gave me was AA recovery solutions, also used the name AARS. The address they finally gave me after repeated attempts to get it from them is, XXXX XXXX XXXX XXXX XXXX with a zip code of XXXX. Im not sure where to go at this point, all the phone numbers I found associated with them say they are not in service. Even the ones on the website ( XXXX ) they gave me didnt connect me to anyone. I was told I needed to send the money two day express with no signature required, and that I would receive a clean title to the motorcycle, the one that wasnt repossessed, 1-2 weeks after they relieved the money. I did contact the original company I purchased the motorcycle from, but they were unable to give me any verifiable information about the debt. I called two different numbers. One of them I found on line, but the XXXX representative couldnt tell me anything about the debt. Also called a XXXX phone number given to me by AA, which told me the debt was bought out by XXXX XXXX. Ive never received anything from XXXX XXXX about this debt. AA recovery solutions said XXXX XXXX bought the debt, and AA recovery is the third party used to collect the debt .... Ive been told so many things by AA recovery solutions, and many of them have been contradicted from one phone conversation to another, and from what is told to me vs what is told to my mother. Also, the information Ive found online doesnt substantiate the information AA has given me ... I have no idea where to turn at this point, or whom to believe. Any help you could give me would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
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:
Send out 2 section 609 letter but company never send proof has requested but keep reporting accounts on credit report inaccurate copy of letters 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 -any and all accounts 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 ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


I demand the following accounts be verified or removed immediately Name of Account Account Number 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 Thank you for your prompt assistance in this matter. 
Sincerely 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 2021-10-07
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # 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 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 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ERC

Complaint:
In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX XXXXXXXX XXXX has violated my rights. 

15 USC 1681 Section 602 State i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2018-02-09
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: EQUIFAX, INC.

Complaint:
XXXX XXXX has done a hard inquiry on my account. There was need for this inquiry. I have not applied nor do I have a mortgage. There should not have been any inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Health Care Financial Services, Inc.

Complaint:
on my credit report it says XX/XX/2017 Account Resolution Services I never signed with his company and have no knowledge of the company

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 2023-04-01
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: Self Financial Inc.

Complaint:
Im accordance with the fair credit, reporting act XXXX  SELF FINANCIAL Account # XXXX  has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnace account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open in consumer credit, plant escalate for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Since XXXX of XXXX, I have observed several periods of bursts of inquiries into my personal credit profile. I have contacted the 3 major credit bureaus several times to be advised that there 's nothing that they can do. They have advised that I contact the companies directly and/or contact law enforcement. I have over time reached out to all of the companies with great difficulty in getting to someone who can answer any questions. The majority of what I have heard has been to contact the credit bureau. They continually ask for my account #, not understanding that I do not have an account with them. I ask that they verify that they do n't have an account in my name. They search for my social security number and then tell me that I must have applied for credit and if I did n't that I need to go back to the credit bureau. I 've contacted the local police in my area to only be told that if there 's no dollar amount of damage, there 's nothing to really report so no report taken. 
I have spent an insane amount of time on the phone trying to get resolution but all I get is everyone pointing in the opposite direction but noone doing anything. I have 20 unknown inquiries on XXXX, 17 on Transunion and 18 on XXXX. 
I have placed a personal fraud statement on my reports directing any creditors running an application to contact me directly on my cell phone.

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 2023-01-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY

Complaint:
Wells Fargo charged me for fees, sating that I had drained my account of XXXX $ I said that I was working in XXXX XXXX..they insisted I was in XXXX XXXX at a gas station. 

I had to get a new account ... while being out of money. 
I had an expired ID.. they allowed me to open an account. 

Apparently they kept this account open..and I could check on its balance for some reason years later. 

I then read about branches of wells Fargo funneling money through expired accounts. 

This company has over charged me fees through meticulously Rearranging debit card transactions ... for years and I can only pay them. I have paid XXXX $ for a pack of gum and a sandwich at one point.

They forced higher prepaid credit limits on me, with out my consent..stating that I should have just said no. Essentially they broaden my credit limit..which means..I now owe them ... at first XXXX XXXX then XXXX XXXX and now XXXX XXXX They never asked me..they just raised the amount and forced me to pay it ... with ... ridiculous fees if I don't meet their quotas. Now I'm stuck in their game. I called them ... they shrugged me off. 

I can go on if you need to contact me further.

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 2021-04-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED AUTO ACCEPTANCE

Complaint:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.

Complaint:
I asked Experian.com to delete my login from their website and they said the following : " Due to our internal retention policies, we are unable to comply with your request to remove your personal information from our system. " There have been several data breaches reported with this company. My data is NOT safe with them and I have had issues with suspicious emails and addresses linked to my information before. 
XXXX XXXX XXXX They are known for requiring multiple emails to get accounts cancelled : XXXXXXXX XXXX XXXX There are XXXX reports of having account with them being a liability as a thief can go thru their customer service to unfreeze credit score and there is no 2 factor authentication for this kind of thing. 
XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.

Complaint:
An account held in BBVA Compass which was then acquired by PNC XXXX XXXX XXXX had it's funds withdrawn on XXXX according to debit memo XXXX for the amount of {$7900.00} in accordance to a court order. After that, the account was made unavailable for my client to access on his online profile and was told by employees of the branch that once the court decided on the matter the funds would be immediately available. 

On XXXX, XXXX XXXX XXXX, Presiding judge of the XXXX XXXX XXXX in XXXX XXXX, Texas, signed an order Granting a no-evidence motion for summary judgement and dismissed all claims with prejudice. 

Contact was made with XXXX XXXX XXXX who is executive vice president, general counsel and chief administrative officer of The PNC XXXX XXXX XXXX at his email address XXXX who replied and instructed XXXX XXXX XXXX with email address XXXX to follow up. After all the information was given to identify the account it took 17 days for her to reply that " while PNC reviewed the concern. PNC has no record of this account with this client '', for which I understand that the {$7900.00} are lost and there is no way to recover them regardless of the banks obligation to keep records of its clients even 5 years after the account has been closed in accordance to CFR 1020.220.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Recovery Solutions Group, LLC

Complaint:
My mother keeps getting calls on her cell for me saying I owe this debt that I have never heard of the original company or the collection company. The caller says they are going to come seize all my property and my checking account if I do not pay them. Once again I never signed anything for this debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Continental Finance Company, LLC

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2022-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.

Complaint:
I sent a complaint regarding I.C Systems to verify a debt. It has been pass XXXX days and still no verification.

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 2020-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX partial account numbers XXXX and reporting incorrectly that I am ( 30 ) days late on partial account numbers XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2022-08-10
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL

Complaint:
Hi... My name is XXXX XXXX my XXXX XXXX XXXX have an account with synchrony Bank care credit .... because of fraud at my bank and report late payment I never had .... This lender look at my credit which is normal and see me and my father has dropped in score because of the XXXX XXXX crazy stuff they did .... It caused Synchrony dropp mine and my father credit limit from XXXX to XXXX dollars which that is damaging... And to me unfair .... I had XXXX on XXXX... I though the whole purpose of have a card is to have it for emergencies .... we haven't abused a d never late... .The cares act is ineffective when they can cut a limit for me not being in default or problems with them... I was told that they was sorry for accidently making my pay.ent late .... but at the time I or my father knew our limit was cut till at the end of call she mention I believe XXXX balance of XXXX I used XXXX for glasses .... I do t understand how u give a bank everything u have and in a time of need... they cut you for no reason .... they knew about the fraud .... The XXXX is handling it I guess but I but a report to ftc ... and DOJ Civil rights division and I did one with you guys with respect of regulation and authority .... I sent a warning to CRA .... and they failed to send it to the creditors ..... This is ridiculous... ridiculous .... I need help went from good credit till bankruptcy in matter of 6 months with good payment history ... .besides the fraud... but that. An take time... .I know I ca. Never get ahead because of idtheft ... .if it ain't t a stranger it's your family or friends ... .. Syncrony Bank should take a moral issue and stand for what's right... That putting me my wife kids and father who is XXXX yr old vet that's had open credit limit that ain't been touched .... It makes no since .... Synchrony Bank take a Ethical and Moral stand ... .. We pay and we victims and still pay .... but XXXX no late payment and we quailify XXXX coming out of my account .... I paid you XXXX that when on dog passed away no included the other ..... Remember Synchrony ..... I and my father was with yall si ce XXXX XXXX not a late payment nor default .....

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 2023-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Credit report is reporting account inaccurate. Stating inaccurate date of last activity date open, date last payment and missing data on date last verified and date closed. I have disputed account with all three bureaus asking that account gets verified or deleted because I do not recall having this debt with this creditor and account is not showing " account has started investigation or is under investigation '' in fact it shows account not disputed and that is false because I have disputed account. Over 30 days have passed and I have not heard back from bureaus in regards to account. Definitely feels like I am being ghosted. Account is not meeting law requirements with inaccurate and missing data.

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 2021-12-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: N.A.R., Inc.

Complaint:
North American Recovery keep calling me without identifying themselves. They were threating me. After I informed them that it was not my debt they failed to provide any paperwork within 5 days or prove their the ownership of the account.

Company response to consumer: Closed with explanation