hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2019-11-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: NAVY FEDERAL CREDIT UNION

Complaint:
So navy federal is charging me {$270.00} and {$270.00} for debt collection or overdraft fees from my checking & savings account with them I dont know nothing about overdrafting or being in debt with them..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
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: EQUIFAX, INC.

Complaint:
In accordance with the Fair Credit Reporting Act and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 also states a consumer reporting agency can not furnish a account without my written instructions.

I DEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREFIT REPORT DAMAGING MY LIFE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
I opened a secured XXXX $ credit card with bank of America I was charged for an unknown item was not contacted about it paid the balance and never used the card again sometime later I checked my credit to see the had a collection for XXXX $ I don't know where this came from I never received a letter or any contact from bank of America.when I disputed it they said it was correct but provided no proof I called to do a pay to delete because they stated it was the only way to remove it being that it was so old. it was only XXXX $ even though i know I didn't owe them anything. after I paid that XXXX $ I waited for them to remove it nothing happened I had been tricked and lied to I've gone to the bank called on the phone and now nothing I would like validation and this account deleted from my credit report thank you

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 2017-10-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Pinnacle Credit Services, LLC

Complaint:
The debt owner is Pinnacle Credit Services L.L.C. They have been attempting to collect on debt that was discharged in a Chapter XXXX bankruptcy. I have informed numerous 3rd party collectors of this but Pinnacle just sends a new collector later. The last one closed their case and said they would inform Pinnacle after you contacted them Now Pinnacle is using XXXX XXXX XXXX in another attempt to collect on a debt they have been informed is no longer owed.
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Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12
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 have a repo with XXXX financial that is not mine 3 collection accounts 18 inquiries that are not mine. I have written and callled and placed holds on my credit reports. There is even a bankruptcy on my reports. It has ruined my credit. Ive tried to call write and get the bureaus to fix it and they wont.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
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 called Transunion on XX/XX/XXXX because I noticed that some inquiries had reappeared on my credit report that weren't there before. Come to find out they had deleted them on accident and put them back on without notifying me first. I found out that its illegal and asked them to be removed but they weren't. Here 's a list of the inquiries XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive   XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Bank  XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX   Inquiry from XXXX XXXX, XXXX Automotive XXXX XXXX   Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive  XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Finance   XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Bank  XXXX Acc Inquiry from XXXX XXXX XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX Finance XXXXXXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Bank XXXX XXXX Inquiry from XXXX XXXX, XXXX Bank XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance

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 2022-04-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.

Complaint:
My name is XXXX XXXX a federally protected consumer, and I am making this complaint against Franklin Service , Inc for committing fraud and identity theft. I have never contracted with Franklin Service , Inc and I did not authorize nor consent to the use of any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe them. These abusive, deceptive, and unfair debt collection practices committed by Franklin Service , Inc, have brought me severe stress and anxiety. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal and both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Franklin Service , Inc, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Franklin Service , Inc, continues its collection efforts, I will file for litigation for actual damages caused, and Franklin Service , Inc, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Affirm Holdings, Inc

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Or XXXX XXXX XXXX I would like to file this complaint against affirm XXXX XXXX finance and clothing what happened during XXXX i lost my job due too i have XXXX i can't work i was in the hospital for longtime i'm unable to make payment to the acct i have with affirm because i have XXXX and i call affirm i told them i won't be able to make payment on my acct due too i have covid but i was owed to affirm about {$7800.00} dollars but the acct almost pay off anyway i still owed only {$2100.00} affirm refused to wait for me to make payment soon i find another job to start making payment again affirm charge-off the loan and reported to all three credit bureau trash my credit score from XXXX XXXX XXXX this is not right well i'm looking for some help from CFPB to make affirm remove my name from all three credit bureau i need to get my credit score back to XXXX affirm violated the law about the pandemic affected all the american people life but i still owed 2 years rent to my landlord but he follow the pandemic he doesn't even talk to me he complied the pandemic law but affirm refused to complied with the pandemic law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
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: 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. 

XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX have 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 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 2021-06-13
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: Experian Information Solutions Inc.

Complaint:
What does following the law to your company mean to you? You are suppose to protect me as a consumer but instead your are treating me like the villan. I am a victim of identity theft and I have for the last couple weeks have been giving all the information needed for you to help me resolve the matter. You have responded with laws from the FCRA but you are misusing them. You must study the law and come to the realization that you are wrong. According to the FCRA you must have a valid submission/statement from all parties involve in the matter of this investigation. Since we don't know who cause this horrific crime on my report. There is no evidence for these accounts to stay on my report. The data furnishers can not validate the debt because my information is ofcourse going to be the same because my identity was stolen. According to the FCRA U.S Code 1681c-2 you have to Block information resulting into identity theft within 4 days of receipt. You can not reasonably validate these accounts there is no way to justify this. Protect me and protect my family.

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 2019-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE/XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-24
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:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: United Shore Financial Services, LLC

Complaint:
In accordance with the Fair Credit Reporting Act. This creditor has violated my rights under 15 USC 1681 section 602 which states I have the right to privacy, under 15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions and under 15 USC 1666 B. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

In XX/XX/, United Wholesale mortgage reported a late payment. 

Additionally, at the time of the reported late payment I was infected with XXXX  and under the protection of the CARES ACT, it prohibits lenders from reporting negative information to credit reporting agencies. 

I have tried numerous times to get this resolved directly with UWM, but all they do is send a generic response every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.

Complaint:
I had a phone plan with XXXX I had 2 lines & a XXXX XXXX. Each line was approximately {$45.00} per month. The watch line was an additional {$10.00} per month. In XXXX before my new billing cycle, I ported out one number from XXXX  to another carrier because the other carrier 's coverage worked where I needed it to. XXXX continued to charge me for that line. My bill was on auto-pay. When contacting XXXX they only offered a bill credit when I said I wanted a refund so I ported out the remaining lines before the next billing cycle. XXXX charged me for all 3 lines the next cycle. 

I contacted XXXX and was told they would refund me the last payment only because I had a bill credit. I said that I had no more lines with them so I am due a refund. They said they issued a bill credit. I had no way of getting my money back that they overcharged so I disputed the charges on my credit card statement. The disputes are still pending, but the credit card issued temporary credits on the card. 

XXXX then billed me directly for the amounts that the credit card company credited, added reversed payment fees & sent the bill to collections. When I called XXXX they said the bill was not in collections. I've received a letter and phone calls from a collections agency. XXXX  representative could only file a dispute on my behalf for the bill, but can not fix it even though they see that I was overcharged for months for lines that I no longer have. Meanwhile collections is saying I have an unpaid debt that needs to be collected. I don't understand how a bill can end up in collections when it was only generated on XX/XX/2023. The last bill in XX/XX/2023 had a bill credit of XXXX. So somehow I went from having a bill credit to having a past due amount of {$270.00} in less than a month & the bill sent to collections

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 2022-06-29
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:
My student loans are paid off but is still showing a balance on my credit report which is making it hard to get a mortgage 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 non-monetary relief
Consumer complaint received 2021-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
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 would like to complaint about the fraudulent items which are still appear on my credit report. I think someone stolen my identity and opened my accounts without my permission or authority. This is an unauthorized items. Please remove the fraudulent items right after I send this complain and I hope you have time to review this issue. Based on Fair Credit Reporting Act Section 605B, It was the responsibility of the 3 credit bureaus to check then remove those items which are negative on the owners account. So I am mentioning these following items for you to help me remove these right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AMERICAN HONDA FINANCE CORP

Complaint:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.

Complaint:
I have been making monthly payments above the minimal payment due since XX/XX/2006, but my balance has barely changed in quite some time. I have recently requested a complete payment history from Navient so I might begin my own investigation, but I am almost certain that my balance should be well below what it is at this time. 
The balance was @ {$22000.00} to start and remains at @ {$19000.00} now, which seems high after 12 years of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor.ay not treat a payment ona credit card account under an open end consumer credit plan as a late for any purpose.

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