hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-01-01
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: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
Estoppel of Silence If a creditor or collection agency fails to answer your validation letter you should send an Estoppel of Silence Letter XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI, XXXX XXXX Dear Capital One, This CFPB letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically you : - Failed to validate a debt at my requestFDCPA violation -Continued to report a disputed debt to the CRAFCRA violation Not only have you ignored my prior requests for validation of debt ( proof enclosed- receipt copies or letter copies ), but you continue to report this debt to the credit bureaus, causing damage to my character. This letter will again request that you follow the FDCPA and provide the following : Validation of Debt Request - Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest, and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak, but failed to do so. Therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 
I expect to receive proof requested above, within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may seek damages from you if warranted. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
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: Experian Information Solutions Inc.

Complaint:
I have been contacting XXXX  and Experian several time to correct their internal data. They are recording " No record found '' for my credit report because they do not have my first name in their system. If they corrected their data, my name would be reflected accurately : 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 2021-07-07
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION

Complaint:
The original loan was with Credit Acceptance and the amount was for {$11000.00}. The loan is now at {$22000.00} which is 50 % interest rate. The car was a lemon and told them we wanted to do a voluntary repossession. They never came to get it. They then sold the account to XXXX XXXX XXXX XXXX. They took us to court and won the judgement and a lien was put on our bank account and then emptied. Credit Acceptance is still reporting on my husbands and my credit reports when they sold the account. The original loan was opened XX/XX/XXXX. The judgement that XXXX XXXX received against us was XX/XX/XXXX. I want credit acceptance to be removed from our credit reports as the account holder. They just dropped our scores over XXXX points because they reported it as 180 days late, which was years ago, and added another {$100.00} to the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY

Complaint:
The company WF CRD SVC XXXX XXXX ON XXXX HAD placed and unauthorized inquiry on my credit Report. With out my permission or Purpose or my written authorization. 
I'm requesting proof that I personally Initiated this hard inquiry and proof of written authorization form. 

WITH THE Company placed an unauthorized inquiry on my Ctedit report as many others Credit.Cards or car Lending have done damage to My self, lowering my credit report And complicating my life and Not able to get a Car Loan.

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 2016-04-12
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Northstar Location Services, LLC

Complaint:
Northstar Companies is attempting to collect a deficiency balance from XXXX. A representative, XXXX XXXX, somehow got a phone number to my ex-wife. He contacted her and said I listed her down as a reference on a loan. He also told her what company he was representing. I never listed her as a reference, so he found her number through other means and she XXXX the company and realized it is a debt collection company. That is none of her business. XXXX had all my contact information. There was no need to dig up a number from a person I have been divorced to for six years.

Company response to consumer: Closed
Consumer complaint received 2022-03-31
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:
XXXX, XXXX and Transunion is showing Negative accounts that are not listed on my credit report. If not listed they need to be removed. I have a paid account to XXXX XXXX  that is listed on my credit report. Also hard and soft inquires were not apporved by me. 
In accordance with the Fair Credit Reporting and Convergent, Equifax has violated my rights.

15usc 1681 Section 602A State I have the Right to privacy.

15 usc 1681 Section 604 A Section 2 H also states a consumer reporting agency can not furnish my account information without my written consent.

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 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a 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 inquiries. 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 2020-05-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC.

Complaint:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$13000.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not 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 explanation
Consumer complaint received 2022-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Grain Technology, Inc.

Complaint:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. I recently received a copy of my XXXX consumer report and I noticed some late payments posted on my consumer report. this company is in clear violation of the law. Pursuant XXXX XXXX ( XXXX ) ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
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: Experian Information Solutions Inc.

Complaint:
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

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 2023-08-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC.

Complaint:
The issue is with XXXXXXXX XXXX XXXXXXXX reporting me in error XXXX days late. When in fact I made all the payments they requested. 

During the XXXX XXXX pandemic I chose to put my mortgage in forbearance since non of knew what the future would be. It was my understanding that the mortgage would be put on hold and when things were back to normal, they would put the loan obligations on the back end of the mortgage afterwards I would resume regular payments. Or find some other arrangement. 

I called XXXXXXXX XXXX  They where not very helpful or did not know what to do. I was told to go on line and fill out a form to get out of forbearance in order to renew my mortgage.I tried to explain to them that all I wanted was to put the missed forbearance payments at the end of my mortgage and start making my regular payment., I was told a gain to go online which I did. 
They then told me me to make payments of {$1000.00}, which i did. It is a little less than my usual payment of {$1200.00}. It is a couple XXXX less than my normal payment which I offered to pay. I nor the XXXX person seemed to understand. I thought it my have something to do with my escrow account ( taxes an insurance ) Thats fine and dandy, I make ALL of the payment on time every time as I have for 30 years without missing a mortgage payment. 

I have a copy of my check registry to show I faithfully made the payments. ON TIME! 

This issue is really messing up my life. My credit score dropped substantially preventing me from getting favorable rates on a HELOC or restructuring my credit cards, as the balance has increased due to poor cash flow from XXXX XXXX. 

I just dont see where I went wrong. I followed their instructions to a XXXX XXXX  thought we could put our mortgages in forbearance without penalties or consequences. Doesnt the CARES act protect me from not suffering harm to my credit rating during the period that I received the accommodation?? 

I did as I was told and and made the payments for a lesser amount for 3 months, even though I had No problem making my payment for the original amount. 

I have copies of the debit transactions showing I made ALL payments on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation

Complaint:
I recently checked my credit report and discovered that this company reported that I owe them a debt and to my knowledge I have never done business with this company and nor have they provided me with goods or services

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
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:
Upon reviewing my credit report, I noticed that there are several errors on there that are severely impacting my credit. Please investigate these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.

Complaint:
In XXXX, I found that my chase checking account couldn't withdraw or deposit money. After a few day, in XXXX, Chase sent me a letter about to close my checking by their decisions. Based on the letter, the remaining balance XXXX dollars will be stored as a check and mail to my address. 

In mid XXXX, I tried to contact the customer service for the refund. The representative told me the refund need would be sent to my address in a couple weeks. 

After I waited for a couple weeks, I tried to contact the customer service in XXXX, and this time the representative told me if I want to receive the refund, I need to come to a Chase bank branch directly. 

Then, I came to XXXX branch in XXXX XXXX, WA and found a customer manager for assisting. The manager gave me a phone number and told me to call this number by myself. 

I called this number and waited for 3 hours, the representative then told me that their were still doing the investigation and couldn't send the refund back to me. 
I asked the representative when they can send the refund back. She just said they don't know when they can finish the investigation and ask me to wait for a further notification. 

So far, I still did not get my refund back or any notification from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
both XXXX and XXXX have called me after explaining to them that needed to reach XXXX XXXX XXXX that I am working through. I have been requested from the XXXX XXXX XXXX to change my phone over to them. 

Both 800 number have called my cell number so many times that it is costing me money and now they are harassing my work place. 

I have contacted XXXX XXXX XXXX about them calling my work number too. 
Again, I have asked these two 800 numbers to reach my XXXX XXXX XXXX Counselor who is working with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
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:
My name is XXXX XXXX. I am writing to delete the following 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 nor did I authorize any of these charges. I demand that the items be deleted to correct my credit report as soon as possible. I reported the theft to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please apply these laws to my accounts : The Fair Debt Collections Practices Act Law 111-203, title X,124 stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C 1681 ( " FCRA '' )

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 2023-06-13
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 want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-14
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION

Complaint:
In XX/XX/2020, I sold my lease vehicle ( From Toyota ) to XXXX. XXXX subsequently mailed a check to Toyota Financial Services ( XXXX XXXX, IA XXXX ) and Toyota received the check on XX/XX/XXXX ( per XXXX ). It has been more than two weeks since Toyota has received the check, which is greater than the payoff amount. Thus, once they process the check they are supposed to send me a refund. In the meantime, I have to pay the car 's monthly lease until they process the check. 

During the week of XX/XX/2020 I contacted Toyota for a status update and was told that the check will be processed by Wednesday XX/XX/XXXX. On Monday, XX/XX/XXXX I called for a status update and was now told that the check will be processed during the week of XX/XX/XXXX. During all my calls, I was told to not make the lease payment that is due on XX/XX/XXXX ( I have call transcripts as evidence of this ). 

Based on the constant delays, Toyota is trying to avoid processing the check for some unknown reason. I have been a Toyota Financial client for 4-5 years and it is ridiculous that Toyota Financial is lying to their long-term client about check processing dates. Theoretically, the week of XX/XX/XXXX can become the XXXX, then XXXX, and so on. 

I am asking Toyota to process the check with all deliberate speed and then issue my check of {$220.00}, since the check they received from XXXX is larger than the outstanding lease by {$220.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
Lady from port folio recovery services called and disclosed a debt from XXXX XXXX that they are collecting for they told the person of the account details and they are not authorized on the account to recieve info. The used XXXX to locate numbers of references and near bys to locate and disclose information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
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:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on 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

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 2022-06-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: State Collection Service, Inc.

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account XXXX #, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish A account without my written instructions

Company response to consumer: Closed with explanation