hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-07-21
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. 

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 2022-05-19
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:
I gave Experian ( XXXX ) chances to comply with the FCRA and show the method of verification they use to investigate the accuracy of the accounts on my credit report. They are past their 15 days to provide the steps per 15 usc 1681i ( 7 ). The request was delivered on the XXXX of XX/XX/XXXX. As of XX/XX/XXXX Experians refusal to delete, stop disclosing, and obtaining by false pretenses my nonpublic information, financial transactions, employment history, social security number, and other means of identification without my written consent or lawful authority are DIRECT VIOLATIONS OF Gramm-Leach Bailey Act ( 15 USC 6821 ) Privacy Act ( 5 USC 552A ). Also, Experian has committed Aggravated identity theft ( 18 USC 1028a ) against me due to the use and possession my non public information without my direct written consent or instructions. These willful violations has caused server injuries to my well-being and rights with the violations of.

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 2023-01-11
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
I opened a savings account at Bank of America in XXXX. Upon account opening, I was told that I'm in a tier where wire transfers have no fees. In XXXX, Bank of America downgraded my service tier during the pandemic without notifying me. In XX/XX/XXXX, I had a wire transfer in and bank of america changed me wire transfer fees. I later transferred the wire to another bank for a medical emergency and kept XXXX at BoA XXXX. However, due to the fees associated with the transfers, my balance was below their required minimum of XXXX. So Bank of America started to charge me XXXX dollar monthly fees, starting from XX/XX/XXXX to XX/XX/XXXX, in total XXXX dolloars, without sending me any notice or reminder.

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 2015-11-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC

Complaint:
Enhanced Recovery Corporation has harassed me about a debt that appears to be for a month XXXX. I have explained over the phone and by mail that I have never had dealings XXXX ( I am a long time XXXX customer ) and I have never lived at the address or known anybody in the neighborhood where the service was allegedly provided. I thought the matter was settled, but have recently been alerted to negative credit information posted by them to XXXX against me. 

This is either a case of gross incompetence or outright fraud by Enhanced Recovery Corporation ( given the large base of customers XXXX it would be easy to send out mass mailings accusing people of missing a payment and scam money from them ). I think this deserves investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
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: SLM CORPORATION

Complaint:
I sent a dispute letter certified to Sallie Mae to the address listed on my credit report on XX/XX/2023 and i didn't receive a response to my letter. I then sent a second letter on XX/XX/2023 also certified and yet again have yet to receive a response back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
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: EQUIFAX, INC.

Complaint:
It has come to my attention that the three Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with an accurate and updated credit report immediately. With that, I am asking for your assistance to delete or remove these inaccurate items from my credit file : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance : XXXX ; XXXX  XXXX XXXX Opened XXXX XXXX, XXXX Balance : XXXX ; XXXX Opened XX/XX/XXXX Balance : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance : {$16000.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : XXXX ; XXXX XXXX XXXX, XXXX ; EQUIFAX MORTGAGE SER XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX. XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance : XXXX ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : XXXX ; XXXX XXXX Opened XX/XX/XXXX Balance : XXXX ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : XXXX ; EQUIFAX MORTGAGE SERVICE XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-01-15
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: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I have been contacted about a debt that was originally from XXXX. The original debt was from Capital one for {$1700.00}. The debt then was renewed for an additional 10 years on XXXX XXXX, XXXX by XXXX XXXX XXXX and now the debt is being represented by XXXX XXXX XXXX and they are trying to extend it another 10 years and has sent me a letter on XXXX XXXX, XXXX trying to collect it. I have already sent them a response that I do not recognize this debt. This is the second letter in the last 6 months and the first case they have gone ahead with proceedings to garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. BANCORP

Complaint:
I have a recent XXXX loan ( XXXX/XXXX/XXXX ) agreement with US Bank on my vehicle. Before the first payment was due I paid $ XXXX of the $ XXXX principal then followed up with the first agreed payment $ XXXX by the due date in XXXX. 

When I logged in XXXX to make another payment, the online system showed I owed {$0.00} minimum payment, which makes sense due to my recent payment activities. I logged back in today and shows now I owe 2 months payment and they hit me with a late fee. Plus they updated the digital pdf statements showing I owed minimum payments. 

I have contacted them and am waiting to hear their response to the above. I am not happy with the business practice revealed by US Bank. I also reminded them that we still have a 72 month agreement in place to pay off this loan and so expecting after paying $ XXXX down to continue making the same monthly payments, would pay the loan off well under 72 month agreement. 

Respectfully, 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 2017-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC

Complaint:
We keep recieving letters of collection regarding an amount that has been turned over to a collection agency from  XXXX . The account in question belongs to our son who is a minor and who was unscrupulously taken advantage of by another  XXXX  member. The account has been placed in collection, and we assert that he is not, nor can be held accountable for this amount due to the fact that he is a minor and not able to enter a legally binding contract. Despite this explanation both written and verbal to the collection agency charged with collecting the debt, we continue to receive demand payment letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
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:
Hi my name is XXXX XXXX I am contacting you because once again XXXX XXXX 2018 experian credit bureau added a fraudulent collections account to my credit report XXXX XXXX in which it is Not mine or No knowledge of account and I have had an ongoing issue with all 3 credit bureaus that everytime I pay my balances down they add fraudulent collections items to my account to lower my credit score. Please make this company remove this fraudulent account as it doesn't belong to me nor do I have any knowledge of it as it is fraud and I want it removed from my credit reports at once. I am XXXX and this whole identity theft is taking a toll on me mentally emotionally and physically please remove this fraudulent collection account from my credit 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 2021-05-11
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:
I have requested they investigate several accounts that are being reported incorrectly. I have mailed letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. There are more dates but I feel this shows my attempts to work with them. My requests were to investigate and provide me details of the investigation. I requested them to delete the account based on they are reporting incorrectly. All I get is responses based on them submitting codes. No investigation ever happened. They have never provided me details of an investigation.

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 2016-01-07
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Sullivan Asset Management, LLC

Complaint:
On XXXX XXXX, 2015 around XXXX I was contacted through XXXX by a relative that they had been contacted by an XXXX XXXX at XXXX about my debt. I did not give permission to contact this relative nor did I list this relative as a person of contact on my payday loan application. I do not personally have this relatives contact information and they do not have my we are not close and only communicate through social media. This is a clear violation of Fair Debt Collection and also an embarrassing, conflicting, and confusing situation in which this companies debt collecting is practicing. It is unacceptable and violates XXXX. Communication in connection with debt collection [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
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 accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
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: Advanced Collection Bureau, Inc.

Complaint:
There is a collection on my XXXX account in the amount of XXXX XXXX which was placed on my account on XX/XX/2022 for an eviction. This debt is not accurate as of date, and should be expunged. I appeared before a judge on XX/XX/2022 and explained my whole case and situation to them. My case was thoroughly presented to the courts. After undergoing careful deliberation, the judge ruled in favor on XX/XX/2022 to sealing the eviction without objection. This ruling signifies that the eviction was not intended for disclosure or utilization against me, including financial responsibilities. The sealed status renders me exempt from any obligation to settle outstanding dues linked to this matter. Therefore, I respectfully urge you to assess my situation and take the essential measures to eliminate the connected debt from my records. I have reached out to this collection agency multiple times to try to resolve the issue with them. I also provided them with the court ordered document that was obtained from a judge, and they refuse to respect the document.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
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: EQUIFAX, INC.

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.

Complaint:
I am the CO- SIGNER on the lease through GM Financial. The customer of the lease on more than one occasion has not paid her lease on time or in full and quite often owes late fees and other overages. I had contacted GM Financial since they are the owner of the vehicle asking that I also be notified of any late payments right away so that I can remedy the situation, but to no avail. I called them on XX/XX/2018 on or around XXXX XXXX  to ask them again why they are waiting almost two to three months before notifying me of late or overdue payments. They clearly stated that the co- signer of the lease doesn't receive any type of notification at all and that's it's my job to check up on it. However, the said lease would NOT have happened AT ALL without the co-signer. I simply asked to be notified immediately so that I could remedy the subject situation, and they said, " Sorry we don't do that here. '' I asked for them to send me paperwork so that I could take over the payments of the vehicle and they said, '' We don't do that here. '' Yet, they OWN the vehicle. They refused to help me at all but said that they would gladly take a check from me for the overage payments. They told me that the co-signer isn't their customer and that they aren't concerned about my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE

Complaint:
This account was closed and paid in full but showing as a collections account on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY

Complaint:
I opened my American Express cards from last year XXXX and hit the sign-up bonus and got my points in XXXX. Several days later after getting the points, they took them back and told me it's under review, which took them 3 months until XXXX this year to give them back to me. I had talked to many agents and they didn't really solve the problem. Afterward, I got other AMEX cards and got other points in XXXX. And yesterday as I was trying to transfer my points to XXXX XXXX to book my flight, the system said my account and points are being reviewed again! It's been like this on and off for 7 months! I talked to many agents in the meantime and all they told me was to wait and there is nothing they can do! I feel like being fooled around. According to AMEX terms, the points will be issued in 8-12 weeks MAXIMUM after I hit the spending requirement. And now it's 7 months and I still can't use them!!! What is the point!? Even if they decided to review my new accounts, why would they also freeze the points I earned from my old credit cards from last year??? This is like a trick to me. I really need to book the flight and now they froze my account and points. And there are no fraudulent or suspicious activities happened on my account. I even pay the full amount each month to my cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Product: Credit reporting 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 recently found that there are several fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I do not have any idea regarding these fraudulent accounts on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately.

Company response to consumer: In progress
Consumer complaint received 2021-01-06
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: EQUIFAX, INC.

Complaint:
As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW!

I demand the following accounts be verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
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: Avant Holding Company, Inc.

Complaint:
I am submitting this complaint without any influence and without any third party. On XX/XX/2023 at XXXX I faxed my letter ( see attached document labeled AVANT LETTER OPT OUT ) to Avant requesting proof that Avant followed the conditions required by the Gramm-Leach-Bliley Act to respect my privacy and protect my nonpublic personal information and notifying that I am exercising my right to opt out of credit reporting since they failed to do so. Avant responded by email ( see attached document labeled AVANT XXXX ) and did not address my concerns nor did AvanXXXX provide any proof of following the conditions required by the Gramm-Leach-Bliley Act.

Company response to consumer: Closed with explanation