hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2020-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA

Complaint:
My student loans were reported delinquent on 90 and 120 days in XXXX of XXXX and XX/XX/XXXX. During tjis time my loans were on forbearance. As a reault my credit score dropped over 100 points. 

I contacted fed loan servicing and was told to send in the dispute form which I did roughly a month ago. My credit report was just updated and I was notified my dispute was closed, but the false negative reporting still remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
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: Experian Information Solutions Inc.

Complaint:
In accordance with fair credit reporting act convergent account XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 2022-11-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY

Complaint:
Hello, I was laid off last early-spring and as a result, my account balance was quite low. I had a Wells Fargo checking account ( ending in XXXX ) that I stopped using for purchases as a result. On XX/XX/2022 my account had an available balance of {$11.00}. A {$6.00} credit posted on and my balance posted at {$17.00}. Two ETF debits then posted and the acount balance went negative to $ XXXX. Then Wells Fargo allowed several more ETF 's to occur and brought my account down to $ XXXX. Of that amount, $ XXXX was ETF and the remaining amount was overdraft fees. I stopped using ym debit card and they continued to allow funds to be withdrawn and rack up fees. When I didn't pay the fees and asked for a review of the account activity, they told me that I needed to pay them and closed the account. I'm currently on a checking account watch list as a result. I've reached out to the bank to discuss the situation, but they have provided me little more than the 'account disclosures ' associated with this account. This has to predatory.

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 2020-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: PENTAGON FEDERAL CREDIT UNION

Complaint:
Electronic payment was made to credit card account on XX/XX/2020. On XX/XX/XXXX, I requested that the funds be applied to raise available credit limit. XXXX XXXX refused citing large payment ( under {$5500.00} ) and new account ( under 30 days ) stating a 10 day " float '' was policy. I requested a more complete explanation of the process involved in the alleged " while we wait for the ( electronic ) payment to clear with the other institution. '' I also questioned the applicability of 12 FCR 229.13 ( 1 ) vs the applied 10 day " float. '' The second reply ignored the request for a more complete explanation of the payment clearance process and simply stated " it typically takes 5-7 business days for payments to fully clear the other institution. '' The credit union also ignored my request of how funds availability mandated under 12 FCR 229.13 ( 1 ) applies to the electronic 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 explanation
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-02-09
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 is my second-time requesting that 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 belong 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 following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX & XXXX XXXX Balance : {$110.00} XXXX & XXXX XXXX Balance : {$960.00} XXXX & XXXX XXXX Balance : {$330.00} XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.

Complaint:
I kindly ask you to remove the incorrect late payment from my account. Considering my consistent history of making payments on time, it is unfair for me to be penalized for an error that is not within my control. I respectfully implore you to promptly update my account with the correct information.

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 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.

Complaint:
Hello, I have been stolen from and fraudulently had my information, addresses and reports that I have already disputed multiple times with proof and codes and USC codes CFR, UCC etc. 
to XXXX how they are posting fraudulent late payments which is illegal and utilization which is illegal under FCRA And my 30 different inquiries that arent account holding inquiries need to be taken off my credit report, my multiple names besides XXXX XXXX XXXX need to be off my report. My multiple non mailable addresses need to be removed. The only address is - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX California ( XXXX ) which is where I reside. Every other address every name that isnt XXXX XXXX XXXX on XXXX and Equifax and XXXX I demand to be taken off in 4 days and to stay off my report thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-08
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC

Complaint:
I'm in an auto lease that I haven't been able to afford for some time.. Shortly after I received this lease it was clear that the sales person lied about the cost. I'm intimidated with sales guys and numbers and wasn't explained anything and was just asked to sign digitally and never got a print out of the credit application. I recently have been getting assistance from a charity and they discovered the credit application was completely fraudulent. They listed my salary at XXXX when it is more like XXXX, they list me as a XXXX, i'm not, i'm a XXXX. No one at my work ever got a call from the bank to verify anything. I asked my employer. No one ever verified anything at the bank/lender office and now I have made every effort to turn the car in and I'm being asked to pay XXXX. I don't have that kind of money and don't know how they can take advantage of people like this. I never missed a payment and have spent all of my savings over the past 2 years to keep my credit from being hurt. I have requested to turn the car in and have remaining payments waived along with any milage overages. They denied me ( last month ). I also requested a lower payment so I could manage it. they denied me again ( 20 days ago ). Sadly I have spent all of my savings and have finally got out on my own after suffering abuse by my partner and simply need this car to be resolved so I can provide a better life for me and my son. 

The current lease payment is XXXX and the insurance is XXXX. ( I was told the payment was XXXX total including insurance - that was a lie ). 
We have reached out to XXXX ( XXXX XXXX XXXX  ) and the  dealerships to assist and no one will do anything even though we have proved the application was fraudulently filled out. First call to XXXX was on XX/XX/XXXX, Followed up with Manager XXXX XXXX several times, no response. Spoke to his manager on XX/XX/XXXX and he advised they couldn't help and its the dealerships responsibility to get accurate DTI ( debt to income ) Spoke to the Dealership on XX/XX/XXXX - spoke to GM XXXX, he advised its the lenders job to verify and qualify any borrower they submit. 

I have 12 payments remaining XXXX totaling XXXX and am 12k mile over for XXXX in penalty ( i had someone help me with this ) {$7900.00} in fees hey want me to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Management Recovery Corp. (NMRC)

Complaint:
On XX/XX/2021, I was contacted by someone who appeared to be posing as a county clerk official and stating that I was going to be sued. They would not disclose any information regarding the " summons '' after I asked questions pertaining to the validity of this debt, but they provided me with an " affidavit '' number and a number to call the law office that was handling the lawsuit. Upon calling the number I was given, I was greeted with threatening language by someone named XXXX after trying to figure out what was going on. My first ever interaction with this company today, the representative hung up on me so that I could not ask any more questions. When I called back, I tried to get more information from them but was met with more threatening language that resulted in me feeling coerced to give up credit card information without the alleged debt being verified. This company claimed that they were a law office filing a lawsuit on behalf of the alleged creditor and I was going to be served at home, employers would be notified, all of my wages/assets would be seized, and I haven't even been able to verify debt. The information the representative had predates the contract in question by 2 years and I was not provided with written correspondence regarding these claims. After today 's antics I am certain that FDCPA rights are being violated. I did not sign a contract with National Management Recovery Corporation and they should be investigated for their collection tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2019-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint:
I call the credit bureaus and told them i was a victim of identity theft. I was told to send all the proper docs to get these account removed. I sent in everything they ask me to and the accounts are still there.

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 2017-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
Capital One continues to violate permanent Prescreened credit card opt-outs by sending unsolicited offers for credit. Please make them STOP this junk mail. I received yet another one of the unsolicited junk mail letters today XXXX/XXXX/2017 ( after  receiving several of their prior bundles of junk mail ), this time, for their Quicksilver  credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
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:
I submitted paperwork to remove a fraudulent XXXX card account off of my credit report. This removed the fraudulent card last year. This year I opened up a card of my very own. Soon after, the fraudulent XXXX card account was put back on my Experian file. I spoke to associates, disputed via certified mail, and online. The associate told me that XXXX sent Experian a notification that the fraudulent account was mine. I have gone back and forth with Experian for over 6 months now. Experian still has not sent me anything proving the fraudulent account is mine. The other 2 credit bureaus removed the fraudulent XXXX account once and never put it back. This account is the only negative account on my file. The file was said to be opened XX/XX/2016 and is charged off with a balance of {$890.00}. This is not my account and I request to have it removed from my Experian 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 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: 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. 

Account name : XXXX XXXX Account numberXXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2019-09-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC

Complaint:
To Whom It May Concern, The reason for my dispute is PHOENIX FINANCIAL SERVICE # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, PHOENIX FINANCIAL SERVICE failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) PHOENIX FINANCIAL SERVICE failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violationPHOENIX FINANCIAL SERVICE is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where PHOENIX FINANCIAL SERVICE is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.PHOENIX FINANCIAL SERVICE has not even tried to contact me regarding this Fraudulent collection account.  Please have them remove this collection account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.

Complaint:
I WAS AWARDED XXXX DOLLARS FROM AN CAREER ENDING ACCIDENT WITH XXXX  XXXX AND XXXX AND XXXX. 
I PUT THE MONEY IN CITIBANK IN A VARIABLE ANNUITY. 
THAY THE BANK REMOVED XXXX DOLLARS AND IT RUINED MY RETIREMENT ACCT AND MY XXXX PENSION FOR THE LAST 15 YRS IN 2004. 
I HAVE CALLED AND REPORTED IT TO CITI BANK AND WRITEN SEVERAL TIMES TO THEM ALSO TRIED TO CONTACT ATTORNEYS TO NO AVAIL.

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 2023-06-20
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-06-15
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX, XXXX 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 non-monetary relief