hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2020-01-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANCO POPULAR DE PUERTO RICO

Complaint:
disputed this account awhile ago but still have not received anything I asked for to prove 100 % verified or validation. So I'm submitting through this site for help. This account is not mine. I want to see my signed orginal contract. I want my identity proven 100 % and for them to send me what they have and not a copy of statements. Plus this account is over 5yrs old. 



They are saying it is verified but where's my proof? What methods are you using to verify?

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 2022-10-18
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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other 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 response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.

Complaint:
Negative mark for late payment of 30 days fr XXXX XXXX. I learned about this lately from XXXX XXXX online with XXXX XXXX. But XXXX XXXX 's XXXX XXXX in XX/XX/XXXX did not show this delinquency. I had a 36 month auto loan with XXXX XXXX ( co borrower with my husband XXXX XXXX ) for a XXXX XXXX XXXX XXXX XXXX XXXX we obtained sometime in XX/XX/XXXX. Amortizations were automatically debited from my Checking account/credit card with the understanding that we will be informed of any issue or problem the company may have in accessing the account within several days from due date, so that we could just pay the monthly amortization online in their website. We were not informed that XXXX XXXX was not able to access the account for that specific month. The delay was not our fault. It may be due to technical reason/s on the part of our bank or on the part of XXXX XXXX, but the clerk /personnel who handled the account was just too eager to report the delay of about 30 days to the Credit Bureau . It was no big deal at that time, issues were clarified, loan was fully paid, account closed, title issued and that had been for about 5 years now. Unfair that a 1 time delay of this nature would even show up in my credit report. Please help me remove this fr my records, in the interest of justice and fairness.

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 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
On XXXX XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/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 2022-03-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Education, LLC dba Aidvantage

Complaint:
My loans were with Navient and were bought out by Aidvantage. Every single time I have contacted Aidvantage in the past month I have been told completely different answers for my repayment plan options and issues. EVERY SINGLE CALL. I was told I was approved and the application was processed only to be notified via email that I was denied and now owe 3x the amount originally told on a monthly basis within 24 hours. I was also told that a family of XXXX with XXXX only XXXX spouse working, both adults bearing student loan debt, making only {$64000.00} with XXXX kids, a mortgage, and XXXX car payments aren't poor enough to qualify for income driven repayment plan. How is that even possible when we barely make ends meet, especially now with inflation and gas prices. The supervisor was absolutely zero help whatsoever and said the misinformation I kept receiving by EVERY agent I have spoken to is " unfortunate '' and those agents will need more training. Thats it! Apparently it's OK for them to tell you you're approved at a lower payment amount and that there are zero consequences when that information is completely and utterly wrong. Consumers rely on information given to them as accurate and truthful, yet there are no consequences or recourse for when that information is a fraudulent statement!!!! This company is an absolutely atrocity!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: MUFG AMERICAS HOLDINGS CORPORATION

Complaint:
I am a credit card holder from Union Bank, XXXX XXXX XXXXXXXX, XXXX, TX XXXX. I, In the last 5 years, I have made only one transaction in this account. It was in XX/XX/XXXX for a balance transfer. The balance of {$7200.00} in this transaction was paid in full on XX/XX/XXXX. I have not made any transaction since then and did not activate new cards which means my account was inactive since XXXX. The Union Bank 's statement of XX/XX/XXXX shows that the balance in my account was XXXX. However, in the statement of XX/XX/XXXX, the balance jumped to {$1100.00}. It shows that the Union Bank has allowed a fraudulent transaction to take place in my inactive account. I have written a letter dated XX/XX/XXXX to the bank about this fraudulent transaction but to date there is no response. Also, I called Union Bank on XX/XX/XXXX and spoke to XXXX. He assured me that he would forward my complaint to the fraud div. but to date there is no response. My credit score is XXXX and XXXX  years of my credit history there is not a single missed payment.

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 2021-06-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST FINANCIAL BANCORP

Complaint:
On XX/XX/2021 my account had a positive balance and started to receive multiple overdrafts per day at {$37.00} each for no reason. My account was never negative and when i spoke to someone at the branch, the teller claimed that a merchant, XXXX XXXX who debited my account in the amount of {$82.00} with card ending in XXXX. It was a temporary hold on XX/XX/2021 in which the transaction expired and the charge had fallen off and officially posted on XX/XX/2021. Between XX/XX/2021 and XX/XX/2021 I was charged {$37.00} a day numerous times. My first attempt to have this issue corrected resulted in the branch stating their systems were down and there was nothing they could do. While the systems were down, i continued to receive overdrafts. On XX/XX/2021 the branch only agreed to refund {$200.00} back into my account. There should have never been any fees period. This is a demand letter that the remaining fees are refunded back to me. I had deposits going in the account and the account was always positive balance. I contacted XXXX XXXX and they advised that they dont have the authority to place any kind of internal holds on my account. The branch was trying to rip me off and keep my money, not allowing my deposits to cover transactions trying to clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY

Complaint:
Opened a checking account went to close out told me it wasnt any money but in order to keep the account you had to leave at least 20 in theee

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 2022-12-25
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:
XXXX XXXX XXXX sent me an email on Thursday, XX/XX/2021 stating that " Your XXXX XXXX is Closed ''. This company reported me late paying to the credit agencies for being late on my payments. ( XXXX XXXX XXXX XXXX XXXX state XXXX XXXX XXXX PA XXXX XXXX ) stating I owe them {$1300.00}. This is bad because I have proof of the email that was sent to me.

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 2022-04-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC

Complaint:
Received bills from XXXX XXXX for services related to out patient XXXX. My insurance carrier ( XXXX XXXX ) required multiple pre-authorizations which were provided as directed. XXXX was in XXXX of XXXX. After receiving bills for hospital services I contacted the Hospital for direction and they suggested that my Insurance Carrier should be contacted. I kept receiving bills from XXXX XXXX which I kept disputing because they ( XXXX XXXX XXXX had not divided the bill nor did they bill the correct insurance ( coded incorrectly repeatedly ). XXXX XXXX resubmitted the account for insurance and was paid a portion of the outstanding debt by XXXX XXXX. I received a corrected bill from XXXX XXXX and paid that bill within 7 days of receipt. In the mean time, this account was sent to collections and I disputed this within the 30 day time frame with each of the 3 reporting agencies. All agencies EXCEPT XXXX removed the information after confirming that account was not eligible to be sent to collections. 
When I disputed this account in XX/XX/XXXX with XXXX once again they stated the information is accurate. Clearly they never researched this account. I demand that the collection account be removed for being inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
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:
Hello, I have reached out to Transunion to dispute inquiries on my report that were not authorized by myself. I sent a letter certified mail on XX/XX/XXXX. 

After 3 weeks of not hearing from them on status of my dispute on these inquiries, I decided to call and inquire on the status of these disputes. 

They advised that they could not remove these inquiries although I confirmed with them that they were fraud and clearly my profile is being accessed without my knowledgede or authorization. 

In an attempt to obtain a letter of deletion from the creditors : Syncb/paypal XX/XX/XXXX ( XXXX XXXX  CONFIRMED SUBMISSION FOR DELETION to CREDIT BUREAU ) XXXX XX/XX/XXXX ( REMOVED DUE TO FRAUD ) XXXX  XX/XX/XXXX XXXX XXXX XXXX  CAN NOT LOCATE THIS INQUIRY BECAUSE IT DOES NOT LIST THE MERCHANT NAME. I ASKED TRANSUNION TO PROVIDE THE MERCHANT NAME SO THAT XXXX XXXX  CAN FURTHER ASSIST. TRANSUNION DOES NOT HAVE ANY OTHER INFORMATION ON WHO ACCESSED MY FILE, OTHER THAN IT SAYING " XXXX  '' ) XXXX  XX/XX/XXXX ( REMOVED DUE TO FRAUD ) XXXX/XXXX-XXXX  XX/XX/XXXX ( REMAINS ON REPORT - THIS IS FRAUD AND I DON'T KNOW WHO THIS CREDITOR IS. ) XXXX XX/XX/XXXX. ( THIS IS FRAUD ) In an attempt to better protect my private information, I have since place a fraud alert on my account and locked my files with XXXX. By end of month, I plan to have credit file locked with all three credit bureaus. 

Please help Transunion resolve these issues as I am not getting anywhere with them. 

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 2016-08-13
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Golden State Collections LLC

Complaint:
This was a medical bill should have been billed to medical insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
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: ALLY FINANCIAL INC.

Complaint:
On XX/XX/XXXX, there was a hard credit inquiry pulled that I did not authorize. I have contacted the company by phone and because I do not have an account with the company I have not been able to speak with a representative to inquire about the hard inquiry that was pulled without my permission or authorization to do so.

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 2022-03-28
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 — Investigation took more than 30 days
Company: Navient Solutions, LLC.

Complaint:
Creditor : XXXX  XXXX XXXX - XXXX Creditor : XXXX XXXX  XXXX Account XXXX Creditor : XXXX XXXX - Account : XXXX Creditor : NAVIENT - Account XXXX Creditor : navient - Account : XXXX Creditor : XXXX - Account XXXX Creditor : XXXX XXXX - XXXX Creditor : XXXX - Account XXXX Hello this a complaint for the credit companies mis reporting such as XXXX, XXXX, XXXX these accounts are miss reporting on my credit report and they are reporting the same debt multiple times to the point i cant get any new lines of credit because of them. I also wanted help with getting the Navient loan forgave I am a XXXX veterans please give me a call at

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SELECT PORTFOLIO SERVICING, INC.

Complaint:
i : reported identity theft of my name and social security number to Police as well as to FTC, see attached. XXXX XXXX XXXX ( XXXX ) seems to have hired robo signers and others to forge my signature on a fabricated note and claimed that i : borrowed monies from it, when i : never did. i : demanded numerous times from XXXX XXXX XXXX to make the presentment of that promissory note that it claimed i : signed [ when i : never did ], while XXXX XXXX XXXX and its Agent ( s ) Principle ( s ) Co Parties claimed that XXXX has in its possession the promissory note that i : allegedly signed, but it never did present that to me. Through extortion and racketeering acts and coercion, i : was forced to sell my unique private property, the alleged servicer Select Portfolio Servicing stole my monies from the proceeds of the sale and is refusing to return my monies. In addition, later i : found out that after the close of escrow, XXXX XXXX XXXX and its co parties agent ( s ) principle ( s ) have sold my note to other entities, as of almost 1 year ago [ the date that i : researched it using ABSNET ], it shows that i : owe in excess of {$120000.00} to unknown entities even though XXXX XXXX XXXX/SPS has filed for release in county recorder due to their being paid in full [ which is really theft of my assets ]. So not only, they are not returning my monies at TILA section 1635 et. seq, indorsed by all three branches of the government to wit : by the president, the congress and the SCOTUS unanimous decision : XXXX v. Countrywide Home Loans Inc., XXXX XXXX XXXX XXXX XXXX Cir. XXXX XXXX cert. grantedXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX Docket No. XXXX SCOTUS Unanimous decision XXXX XXXX, XXXX, Author : XXXX XXXX XXXX, Reg. Z. by Federal Reserve, 12 CFR 226.15 ( d ), ( 1 ), ( 2 ) and ( 3 )  but also it seems that they have sold my note to other parties and claiming losses on those to obtain additional default insurance from various insurance companies while claiming that the alleged loan was paid in full when my home was sold, they recorded that closure in county recorder, on XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
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: EQUIFAX, INC.

Complaint:
In the month of XX/XX/2021, multiple inquires were added to my account. This was completely unauthorized and done without my knowledge or permission. As a result, my credit score has dropped significantly for something i did not authorize or do. I have no idea where these inquires came from because i never inquired about anything in the month of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I have sent notices to XXXX, Transunion, XXXX about reporting a collection without no proper validation that it belongs to me or that I have a legal obligation to pay this money to this collection company. I have requested from all 3 Bureaus valid documentation that I am legally responsible to pay said collection company which they all have not furnished or obliged my request but still continue to report this on 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 2022-10-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
On XX/XX/22, I became aware of three fraudulent withdrawals from my checking account totaling {$11000.00}. The withdrawals took place on XX/XX/22 and XX/XX/22. I immediately froze my account ( I was in XXXX for medical treatment ) and filed an unauthorized ACH Return Form as directed by the BofA representative ( XXXX ). After hours of unsuccessful attempts by phone to resolve the problem ( previous number, and XXXX, XXXX, and XXXX ( XXXX XXXX who never returned several voice mail requests ) ), I halted my medical treatment and flew back to the US with the idea that I needed to address this problem with someone " in person ''. Once in the US, I was not referred to anyone, being told that there was no one at any branch who could help me and was given one of the above numbers and told to call and play the same " waste of time '' game. I am of the opinion that Bank of America has instituted a " policy '' which makes it all but impossible to satisfactorily resolve the loss of my money.

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 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
This account was closed due to the bad debt which I do not validate additionally this goes against 15 USC 1605 ( 5 )

Company response to consumer: Closed with explanation