hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-02-13
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 following accounts have violated my rights : XXXX  - Acct # XXXX, XXXX XXXX - Acct # XXXX, XXXX XXXX XXXX - Acct XXXX XXXX, XXXX XXXX XXXX - Acct XXXX XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX - Acct # XXXXXXXX XXXX XXXX -  Acct # XXXX 15 U.S.C 1681 Section 602A : States I have the right to privacy. 15 U.S.C 1681 Section 604A, Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

I have not given written or verbal instructions or permission to share my account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
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: Experian Information Solutions Inc.

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2020-06-22
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.

Complaint:
Amount of debt : {$730.00} The address is different from XXXX XXXX  XXXX XXXX, MI XXXX ... .another address XXXX XXXX XXXX XXXX , SC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation

Complaint:
I was charged an annual fee on XX/XX/XXXX closing statement. According to credit card agreement I should have received a statement in XXXX with a massage ANNUAL FEE. To avoid paying it states PAYOFF BALANCE I didn't have a balance, And to send a written notice of termination with in 30 day. Once the FEE is charged it will not be refunded. So they will not remove it since XXXX they add late fees, plus returned payment fees because I did not authorize them with my bank. LAST STATEMENT I RECEIVED them them was in XX/XX/2021 ( That is when I paid off the balance, that statement didn't a massage ANNUAL FEE ). I should have received a statement 30 days prior to ANNUAL FEE being charged witch I didn't. I was never given a chance to terminate the account pre credit card agreement. Once this issue is addressed I need my credit reports adjusted accordingly removing all late payments witch they reported

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Media Collections, Inc

Complaint:
Joseph, Mann , & Creed Collection Agency claims that I owe {$390.00} to XXXX XXXX XXXX. I don't owe this company ANYTHING! This debt is erroneous and all collection efforts should cease IMMEDIATELY. I paid my account in full before I switched to another company. I've attached my last 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 2019-03-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX - ( Please see page 4 and 5 of  the attached credit report. ) These accounts reflect a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. It is impossible to be late on accounts that have a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2016-03-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc.

Complaint:
I purchased a home in XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, XXXX. This was a short sale purchased from the Bank. This fact is important as I am the first owner of home. The contractor that built the home went bankrupt and during that process he evidently allowed this couple to live there, in the contractor words-trying to recoup some monies. The house was built and not sold before contractor went bankrupt. Evidently a couple lived in house prior to me and had XXXX XXXX XXXX. Shortly after purchasing the home. Letters started to arrive for the previous occupant, then Deputies with warrant in debts. I advised all parties that that guy did n't live here and I had purchased the home. Incidentally I have been a XXXX customer for many years. I am currently a XXXX internet customer. After I called XXXX in XX/XX/XXXX and discussed the letters and deputies coming by stopped. Recently we have begun receiving letters from Stellar Recovery , Inc ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ) ref this debt. A dept that is not mine. I did not even move to XXXX XXXX until XXXX XXXX when I purchased home. I believe what has happened is the collection agency did a records check and since I was the first owner of the home they attached my name. I have discussed with XXXX again. They said its not my debt, not my name, not my DOB and not my SSN. I just sent a letter to collection agency stating- Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I wish to submit a complaint with you ref this collection agency. They are not utilizing any common sense in collecting this debt nor the facts. My only connection to this is the address of the home I purchased. We consider this harassment and want it to stop. Thank you in advance for your assistance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY

Complaint:
To Whom This May Concern, Back on XX/XX/2022, my bank institution, TD Bank, deposited a check in the amount of {$920.00}, ( XXXX DEBIT from " XXXX OF XXXX '', which wasn't my payroll check as I have multiple evidence, my job institution is " XXXX  ''. On XX/XX/XXXX, the reversal in the amount of {$920.00} was successfully refunded to the correct account. Apparently I've been told on numerous occasions, ( all conversations recorded by TD BanK ), that my account was yet again debited {$920.00} from XXXX XXXX restaurant, and upon speaking to the latest Rep, XXXX, she informed me that her supervisor, XXXX, told her that I needed to contact phone number, XXXX which is the " Federal Treasury Reserve department in order to receive my money in the amount of {$920.00}. I was shocked and appalled to know and be told that " I '' had to be the one to contact the XXXX department in order for them to send TD Bank the ok to reverse the funds back to my account. iI 've never in my 48 years and the length of time I've been banking with TD Bank, have I've ever heard and corporations tell me to contact the XXXX in order to handle my situation. At this point I don't know what else to do but to ask for your help and assistances to resolve this matter that has been going back and forth since XX/XX/2022. Look forward in hearing from u as soon as possible. Thanking u in advance. Warm Regards, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-23
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:
It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.

Complaint:
My experience with Navient, formerly XXXX XXXX, is identical to the issues described in the lawsuit that was just brought against them. My payments have changed multiple times, each time increasing and each time I called they would say it was a mistake. I called to try and get a lower payment, and they told me that was all they could do, and then the next month told me I was 3 months behind on payments! I get charged extra fees every month for this supposed late payment, which never happened. I also verbally agreed to have my payment taken out of my bank account each month, and some months they take it out, and other months they do not ( and I DO have money in my account to cover the payment, so it is n't my fault ). The months they do not take it out, they tell me I have to call back when the loan is late ( pass the grace period ) so that they can help me. Lo and behold, when I call back exactly when I was told, they tell me I owe them fees. Every single month they tell me my payment has been made late, and charge me a new fee, but THEY TAKE OUT THE PAYMENTS! I 'm paying so much in fees it 's a joke. Every time I call, there is a different story about why these fees are being charged, despite paying on time every single month. I have n't paid down ANYTHING on these loans in 10 years because of fees and crazy changing payments. I hate Navient and their customer service is horrible and full of lies. Hopefully something can be done, or my credit will be ruined and I will be in debt to them for the rest of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY

Complaint:
An internal glitch in TD Bank 's online billpay system caused XXXX, a vendor used by TD Bank, to pay {$95.00} without being reimbursed by TD Bank. XXXX is attempting to recoup the money they lost through this glitch directly from me rather than from TD Bank. TD Bank is refusing to take responsibility for the error and wants me to communicate with their vendor. 

I did not authorize the payment in question. 

I do not have an account with XXXX or any previous contact with that company. They are a vendor for TD Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
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: WELLS FARGO & COMPANY

Complaint:
Date : XX/XX/2019 XXXX XXXX XXXX XXXX XXXX , XXXX Ga, XXXX Account number ending in XXXX Wells Fargo Claims Assistance Center Credit card Fraud Claims XXXX XXXX  XXXX XXXX, NC XXXX I am writing to dispute a fraudulent charge on my account in the amount of around {$1900.00} or so, from XXXX XXXX. I am a victim of identity theft, and did not make this charge/ I am requesting that the charges be removed, and that any finance and other charges related to the fraudulent amount be credit back to my account, as well, and that I receive an accurate statement. 
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 explanation
Consumer complaint received 2021-02-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Velocity Portfolio Group

Complaint:
In XX/XX/XXXX I was contacted via mail by a company called Velocity Investments LLC who referred to themselves as a " debt collector ''. I responded to them disputing their attempts to collect some debt they were saying I owed them since I never heard of these people, following up in XX/XX/XXXX after they ignored my request to validate. I again followed up in XX/XX/XXXX when these people failed to give me what I asked for, which was proof that I owed them money, and told them if they can not provide this to stop contacting me. Approximately one year later I received a letter from an attorney named XXXX XXXX XXXX  ( also identified as a debt collector ) stating that they were collecting for Velocity. I have no clue who either of them are, and I asked him to also prove to me that we had a relationship, provide me with a contract etc. fast forward to XX/XX/XXXX, a docket was opened in XXXX County Florida ( Case # XXXX ) stating that Velocity Investments was now suing me, meanwhile I have written multiple letters etc prior to this telling them to stop contacting me and to simply prove to me that I have done business with them. Now their attorney or whoever it is has been trying to bully me into paying them when the initial questions I asked were never addressed. Even on the docket, I asked for discovery and they deflect etc. This case has been ongoing since XX/XX/XXXX and we havent gotten to the actual merit of the case their attorneys are trying to defeat me based on court procedure because I am representing myself and I am not an attorney, nor did I feel that I needed one because I did not think this would drag on like this because I do not know these people. I simply asked them to present a contract and proof that I owe them money and up until this point they haven't. We were forced by the judge to a court ordered mediation where they presented some " witness '' XXXX XXXX ( I am not sure if it was really him because he was a black silhouette and went by the name XXXX XXXX ) and they were trying to force me to settle ( although they never proved I owe them money ) which I do not understand how if we never discussed the case at all, so naturally I refused and we are prepping for a trial I guess. I am willing to continue at this point but the deceptive and abusive practices of companies like this must stop. To keep this going is a waste of time and tax payers money, and to attempt to force a person to settle on a debt that they have not proven was owed to them seems to be a common practice unfortunately in the debt collection industry and it appears that now they are leveraging the legal system in attempts to obtain default judgements, especially from what they perceive as low income minorities, which they seem to target exclusively.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.

Complaint:
In 2022 I received two Mastercard prepaid debit cards from XXXX XXXXXXXX that are managed by " myprepaidcenter.com, '' but since receiving these cards I have never been able to use them to make purchases as the card promised. I did the following : 1. I went to myprepaidcenter.com website where I created an account to view my balances.

2. I activated the two prepaid Master card cards. 
3. I have been unable to view the list of merchants that accept the cards 4. When I called myprepaidcenter.com customer support at XXXX the representatives I speak with do not give clear instructions on what merchants I can buy products from. Their explanations are vague, unintelligible, and oftentimes ambiguous. 
5. Once the prepaid debit card expires after one calendar, the service charges {$4.00} USD per month, but send a new card to me. 
6. On the front of the prepaid Mastercard card it is written " FUNDS DO NOT EXPIRE, '' but there is a {$4.00} service fee per month that is automatically deducted from my prepaid Mastercard card. 

I believe this practice is misleading, deceiving, and inappropriate because myprepaidcenter.com falsely advertises a product that does not work. Consumerfinance.gov must investigate this matter further because there may be millions of dollars that consumers are being cheated of, and these companies are getting away with fraud by making it almost impossible to use these prepaid cards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.

Complaint:
XXXX XXXX has not updated my Equifax credit score since XX/XX/2023. 

I have had many accounts deleted or paid in full, as well as credit card balances paid down and need my score to update so I know where my credit health stands as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Best Service Co.,Inc

Complaint:
I have never heard of The Best Service Company. When I called on XX/XX/2020 at XXXX XXXX  the representative on the phone, they could not verify that the debt in question ( of {$2400.00} ) was mine. They requested my social security number and I declined to disclose that information. Instead, I presented the account number listed on my credit report, the amount of alleged debt, my name, date of birth and several other identifying data points. They could not verify that the debt belonged to me but offered the opportunity to pay off the debt for removal. I made it extremely clear that the debt was not mine, that I had never heard of their company and that I would file a report with the Federal Trade Commission regarding this fraudulent claim due to how it has impacted my credit score. I also made it clear that I suspect that this is fraud and they asked me to submit proof of fraud. Due to the fact that there is no concise way to prove fraud, I am submitting this complaint regarding my experience with The Best Service 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 2023-02-04
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 have recently looked at my credit report and noticed that there is information still wrong on my credit report and information still isnt being repoerted the same.. as to my understaning the dola date doesnt match and once account is chsrged off it shouldnt report co co every month i also disputed with the company and thXXXX credit bureas and information still not repoeted the same and the DOLA date is missing and being reported different

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I have old or out dated information appearing on my credit report that I need deleted/removed it is mot accurate. 
My name is XXXX XXXX XXXX please remove any variations of my name. 
My current employer XXXX XXXX XXXX XXXX XXXX The following addresses are not mine/inaccurate please delete : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH 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 2017-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.

Complaint:
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is aga inst AFNI for r eporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.

Company response to consumer: Closed with explanation