hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-03-31
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: MacDowell & Associates, Ltd.

Complaint:
This debt collection has been going on for XXXX ( XXXX ) years. I have repeatly ask them to stop filing garnishments on me for a debt that I do not owe, and for XXXX that they never sent or produce a bill pertaining to the date. Instead, every 5 to 7 years they continue to file this in the courts. This is causing problems with my employment and adding stress to my life. In XXXX I received notice that they would not file the case was dismissed, also in XXXX ; however, now in XXXX here we go again with the same fradulent file. As of this date, they still have not produce a copy of a bill as I have repeatedly ask them to forward to me. This is a problem that I will differently take to every level I can to stop these types of actions against me, for 20 years of harassment and never producing proof of a debt is just totally illegal practices and I have repeatedly ask them to stop of provide proof of a bill and a letter of intent that I received concerning the so call debt. Why would you mail someone a letter saying you dismiss it and then you do the same thing in a few years.This is obvisously, some lawyer debt firm that buy someone name and then harrass them pertaining they are working for the company. They are claiming they represent XXXX XXXX XXXX, when the company knows nothing about a garnishment being filed on me. There is no documents because I never receive a bill from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL

Complaint:
Synchrony Bank/Mattress Firm Account # XXXX I was under complete isolation due to the Corona Virus. I am XXXX years old and for the past year I have had severe memory issues ( verifiable ) Had no income for almost 1 year. 

In addition, I never received any notice ( either by email or by the Post Office due to the incorrect mailing address ). In addition I asked them to notify me by mail and not to use my email address. The reason being that Synchrony Bank had my incorrect address. They had it listed ( still is ) under XXXX XXXX XXXX, XXXX XXXX, XX/XX/XXXXXXXX. The correct address is:XX/XX/XXXX XXXX XXXX,. 
XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX. ( in a large complex ). I telephoned their customer service and was transferred 4 times. I asked that my phone call be noted and added to my calls.. They offered me a one time late payment removal. There are 5 from the beginning Corona issue. 

I am asking them to remove these late payments, remove the late fee 's. I also offer to pay any past due amounts to bring my account up to date ... ... ... .They refused

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 2022-08-20
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:
Equifax is being false and deceptive. They removed an account from my report then reinserted the account without my consent. I did not authorize them to furnish this account XXXX XXXXXXXX XXXX XXXXXXXX on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
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:
I have attached an FTC report with an account and Inquiries I did not authorize

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 2019-11-01
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC

Complaint:
XXXX XXXX XXXX XXXX XXXX NH sale XXXX XXXX  Agent XXXX XXXX Traded in a XXXX for another XXXX at end of lease. Mileage over contract by aprox. 3000 miles. 
Agent exaimined our trade for acceptance did not mention any problems.. we talked about payments Mr. XXXX sealed the deal with us by including XXXX would eat the mileage and be in our comfort bracket. My mother and I agreed to the monthly payments of {$390.00} and gave the first initial payment. 
Received a call from Nissan Lease that aprox. {$4100.00} was due in cash. 
This would cover the over mileage and wear and tear. First the car was examined by the dealer no note of a problem and the mileage was to be washed. From what I can estimated Mr. XXXX left the company immediately after our transaction. 
Went into XXXX talked to manager XXXX. No help available on " He said, she said '' I askd why a " WE OWE paper was not shown to me but I found it with the envelope given. This paper had a forged signature.. XXXX took the paper and returned with a WE OWE paper that had my signature. He kept the signed one and returned my copy. This was strange.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
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: FORD MOTOR CREDIT CO.

Complaint:
In accordance with the fair credit reporter act XXXX  account number XXXX of XXXX XXXX XXXX Has violated my rights ( 15 US Code 1681 section 602 ( 8 ) states I have the right to privacy And 15 US Code 1681 604a section 2 states a reporting agency can NOT furnish my information without my written consent. XXXX XXXX was put on notice that I do not nor does my co-signor XXXX XXXX wish for our information be reported and has not given written consent to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
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:
This Reporting of said account is not Authorized or Valid and is in Violation of FDCPA and FCRA Laws and are.

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 2020-03-27
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:
On XX/XX/XXXX XXXX released a refund in the amount of {$91.00} and when you call XXXX XXXXXXXX XXXX they state the have a heavy call VOLUME and then it says they are closed. I contacted them online and received a message to inbox them. I did that on XX/XX/2020. Thousands of people are getting the same message on XXXX and they aren't responding to anyone. I want the credit to my account. XXXX also sent me proof they did the refund.

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

Complaint:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.

Complaint:
settled and continued payments with the court but this company keeps sending me letters about default, harrassment and rude when I call them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY

Complaint:
Dear Sirs, I kindly ask you to review the attached documents and please help me reimburse my founds {$10000.00}, illegally charged by Wells Fargo Bank XXXX 

Best Regards, 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 monetary relief
Consumer complaint received 2021-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY

Complaint:
I notified Wells Fargo credit card services for 2.5 years regarding the numerous repetitive erroneous, false charges appearing on my credit card statements, for items never purchased, nor were ever delivered, and several times while reporting the fraudulent charges, I requested my card number to be changed. Instead, they increased my credit limit on the already-compromised account, still being fraudulently charged, of which they didnt investigate, make the then-XXXX  acct number unusable to combat falsely-charged items, nor did they ever remove the false charges after my numerous requests to get them to remove the false charges, change the card number or turn the card off as it continued to be falsely charged with the newly inflated credit limit. They can certainly, and should verify with delivery services ( like XXXX, XXXX, XXXX, etc. ) that the merchandise they were charging me for was never delivered to me. I spent an enormous amount of time trying to get them to be accountable, and for them to not hold me responsible for falsely-charged, reported falsely charged items, of which I would certainly not charge up on a credit card, which was eventually maxed-out with continued fraudulent charging upon the new, inflated credit limit. This should not reflect poorly or as negative on my credit report, as they were notified of the false charges in a timely manner ( XXXX ), all actual truthful charges I paid off, and the numerous hours Ive spent in sending letters and via phone calls should have been enough to warrant them verifying that I never received the products/merchandise, and for them to remove these charges from my account, I shouldnt be responsible for the reported fraudulent use of my account-credit card number after my notifying them, ( XXXX was my acct # then ), that these charges were bogus, I shouldnt have to pay for false charging on my account, I believe that they should be responsible to me for verifying these items, non-ordered/non-delivered, are removed from my account charges and corrections should be made to reflect truth. I especially should not have this account reflect negatively against me on my credit report, considering the extraordinary amount of time and energy I have had to spend in order to attempt to have these false charges against me corrected for truth, and to have the fraud removed off my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 2020-09-08
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:
MY INFORMATION WAS USED FRAUDULENTLY TO OPEN ACCOUNTS THAT DO NOT BELONG TO ME THESE ACCOUNTS LISTED WAS OPEN BECAUSE OF FRAUD ALSO THERE ARE SEVERAL FRAUDULENT INQUIRES ON MY CREDIT REPORT THAT SOMEONE ELSE USED MY NAME AND SOCIAL I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX   CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
XXXX  XXXX XXXX XXXX Account # XXXX loan is paid off. traded the car in this account should show as paid off.

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 2017-05-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Blakely-Witt and Associates, Inc.

Complaint:
On  XXXX   XXXX   Blake Whitt pl aced a collection on my credit report without properly notifying me according to FCRA, at least 5 days before. The collection agency claims I received mail on  XXXX   XXXX ,   XXXX   but did n't show proof of delivery via certified mail or neither will they tell me which address they sent this mail too. No phone calls were ever made by the company to try and collect on alleged debt to me. No notice was served at all. I do n't even know who the debt is from or why it was collected. I sent out a letter requesting a debt validation to the collector via mail which they have failed to respond to. Please remove this debt from my credit report that was wrongfully added. This has damaged my report by  XXXX  points right while I am in the process of getting a home. If debt is not removed I will proceed forward will suing the collector and the credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HW Holding, Inc

Complaint:
The original creditor, XXXX XXXX XXXX never sent me a bill explaining my balance. They did keep my {$2400.00} deposit. I was unaware of this balance until i pulled my credit report. I called the corporate office several times and was told a manager would call me back and never did. I have never received a letter from the apartment complex or Hunter Warfield the collection company. They have however added {$2000.00} in fees. I have mailed letters to Hunter Warfield asking for proof of this outrageous balance and demanding proof of this debt. I have gotten no response from the collection company or the corporate office.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Messerli & Kramer P.A.

Complaint:
On XXXX XXXX 2019 a rep from Messerli & Kramer PA stop at my parents address and talked to my sister and asked if lived there. She informed them that I do not currently live at the address. Then was asked if I would be there any time soon, she told them she was unsure. The rep then handed her an open letter which was a communication from a debt collector. Giving the name of the original guarantor, name of the collection agency, notice that I was being sued and my name on it. Even after my sister told him several times that they where at the wrong place and should give this directly to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
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:
It has been drawn out that Credit Bureaus are not hindering records 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 things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$650.00} ; XXXX XXXX XXXX  XX/XX/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 2023-01-20
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:
I have old addresses, phone numbers, and wrong names on my reports.

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 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
I am writing to delete the information in my file. The items i need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
Enclosed/Attached is a copy of my original dispute letter I am writing this due to non-compliance with Credit Reporting Agency Experian They failed to conduct a proper investigation in accordance to FCRA guidelines I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law Because in my dispute letter to the CRA dated XX/XX/XXXX. Inaccurate Items disputed XXXX XXXX XXXX, XXXX XXXX XXXX. Dispute reason : remove this account because the date of status or DOS didn't update, this irrefutable proof that no investigation was done. 

However in the CRA dispute results report they claim the items was verified as accurate but how could this be? when the date of status or DOS didn't change/update after the investigation was done, this proves that no investigation was ever done because the date of status or DOS didn't change. DOS didn't change/update even though the CRA claimed that the inaccurate items reporting on my credit report was verified as accurate and their investigation is complete, but the DOS didn't change to be a current updated date as per FCRA. 

It is to be noted that prior to my dispute with the CRA, inaccurate item XXXX XXXX XXXX date of status or XXXX was ( XX/XX/XXXX ) and inaccurate item XXXX XXXX XXXX date of status or XXXX was ( XX/XX/XXXX ) After what is known as an investigation that was conducted and completed by the CRA, my dispute results from that investigation shows the DOS didn't change/update.

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