hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-08-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.

Complaint:
Chase is requiring agreement to the Online and Mobile E-Sign Disclosure and Consent Agreement ( 10 pages ) and XXXX XXXX XXXX ( 125 pages ) before accessing account information online. It is unreasonable to read and agree to 135 pages of legal agreements, and the access token will log the user out of the website before even the shorter of the XXXXwo documents can be read. Bill payment can not be done via telephone and is only available via branch visit. One can logically assume that Chase does not want customers to read through such a tome and just blindly agree to the terms to access their accounts online.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY

Complaint:
I applied for and was approved for a American express delta sky miles card. The deal was spend XXXX XXXX dollars in three months and get XXXX delta sky miles. I have me my end of the promotion and now I am being told my card was approved but the promotional part was declined. I am furious. If they were not going to honor the promotion I never would have applied for this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
On XX/XX/19 I visited a bank of America branch located at XXXX XXXX XXXX XXXX XXXX NC XXXX at approximately XXXX. I attempted to make a cash deposit for {$600.00}. The atm malfunctioned and attempted to take my cash. I was able to get {$140.00} back out of the atm the remaining {$460.00} was sucked into the atm. immediately a message appeared stating we can not process your transaction. No receipt provided, it just took my money and said error. 

I immediately called into the disputes dept to file a claim. The representative asked for an ID number for the ATM. I told her as I had no receipt all I can tell her is that it was the atm in the middle lane as this location has 4 ATMs in its drive thru. 

The representative advised she saw the atm that had malfunctioned around the time of my call and stated that was the atm she would make the claim for. I asked her how she could be sure she was filing the claim with the correct atm, she assured me that she had the correct one because the system could see which one had an issue. 

A month later I get a letter stating my transaction was located but no cash was found. I would be debited {$460.00} on XXXX. 

I escalated the issue to the CEO 's department and I was told that because my money was not located they could not credit me. I asked what means were taking to investigate. I wasn't given any details except that a cash count was performed. I asked on which day? they couldn't tell me stating Bank of America proprietary information. 

I was never given a transaction ID to prove that they actually located the transaction. I was never given any description of how they went about looking for my money. 
I told the representative to pull the video tape of me making the deposit. 
She stated she was unable to see what went into the machine. 


The representatives at Bank of America are telling me that my money is gone and theres nothing they can do about it.

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 2017-06-19
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:
I 've been trying to resolve multiple negative student loan accounts on my credit report. The Credit Bureau ( XXXX, Experian, XXXX ) are neglecting to verify/validate the accounts properly to determine which ones are duplicates or original. Due to poor and lack of investigation and communication I 'm requesting that all of the closed student accounts be removed. I have one student loan account and the negative accounts that are showing as paid off are hurting my scores. Also, there is a collection agency called XXXX XXXX account that 's showing on all three bureaus that has n't been removed after failure to validate the debt.

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 2022-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I RECEIVED AN ALERT OF MULTIPLE INQUIRIES ON MY REPORT THAT I DID NOT AUTHORIZED, ALSO THERES A COUPLE OF DISCREPANCIES IN MY INFORMATION.

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 2022-08-27
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: CORELOGIC INC

Complaint:
Unauthorised hard enquiries on my credit report on my XXXX credit report needs to be deleted 1 ) XXXX XXXX dated XX/XX/XXXX 2 ) Corelogic Credco dated XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX dated XX/XX/XXXX Unauthorised hard enquiries on my credit report on my XXXX credit report needs to be deleted 1 ) XXXX XXXXXXXX dated XX/XX/XXXX 2 ) XXXX XXXX XXXX dated XX/XX/XXXX 3 ) Credco Corelogic dated 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 2017-11-16
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:
The following hard inquiries on my credit report were not authorized by me. I have contacted the companies and XXXX several times via telephone and/or by mail requesting proof of my signature based on the FCRA only to receive a canned response and no proof of my signature. 

XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX,XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX , XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX  XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX , XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/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 2022-04-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
XXXX XXXX XXXX collection for {$540.00} was removed and reinserted from all 3 bureaus and I never received a reinsertion letter. 

1. Transunion XXXX XXXX removed XXXX XXXX reinserted 2. XXXX XXXX XXXX removed XXXX XXXX 3. XXXX XXXX XXXX removed XXXX XXXX reinserted According to : 15 US Code 1681i - ( A ) ( 5 ) ( b ) ( ii ) If an item as erased and is reinserted afterwards, the FCRA requires that the CRA send you written notice of the reinsertion within 5 days. 

I never received the reinsertion letter so I am asking that the account be permanently removed.

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 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint:
Equifax furnished me with my credit report which included several inaccuracies and missing information. I initiated disputes, based on these inaccuracies. 

Equifax did not investigate my dispute requests. 

I want them to fix the following accounts : XXXX XXXX XXXX Account # XXXX : Delete because you did not update or correct the date of last of activity. 
XXXX XXXX Account XXXX : Delete because the date of last activity has not been updated or corrected XXXX XXXX XXXX XXXX  # XXXX : Delete for unknown collection XXXX XXXX XXXX  XXXX Account XXXX XXXX : Delete this account, because of inaccurate date of last payment ( XXXX ). Account was closed XXXX. 
XXXX  Account XXXX XXXX : Delete account, because the date of last activity is missing XXXX XXXX XXXX XXXX # XXXX : Delete account, because you are reporting a balance when there is none. 
XXXX Account # XXXX : Delete account, for missing date of last activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
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 record, I have identified several closed accounts that should not be included. This complaint serves to bring 3 credit bureaus ' attention to the violation of consumer protection laws and request the immediate removal of fraudulent accounts from my credit report. 
XXXX. XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
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: SYNCHRONY FINANCIAL

Complaint:
Been replying to these companies for quite some time. I 've sent in my credit report have n't receive anything or heard from them. They are still on my XXXX credit report. No i did not apply for car ( i do not own any drivers license ) nor did i co sign.

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 2018-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.

Complaint:
XXXX XXXX  client XXXX XXXX is a victim of identity theft. His information was used without consent to obtain credit lines and services. While the accounts have been resolved and removed from his credit reports the issue of the address data related to the fraudulent accounts is still being reported. A formal dispute of these addresses was provide dto Equifax XX/XX/2018 certified mail with return receipt. Equifax has confirmed the removal of two fraudulent related addresses however in a credit report provided ( report number XXXX ) Equifax confirmed the same two previous fraudulent addresses as valid and reported the data. This activity is a direct violation of the FCRA and my clients consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
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 WAS LOOKING OVER MY CREDIT REPORT AND NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY REPORT ( XXXX XXXX ). I DISPUTED THESE ITEMS WITH THE CREDIT REPORTING AGENCIES TO NO AVAIL. I FILED AN IDENTITY THEFT REPORT ALONG WITH A POLICE REPORT AND THEN SAW THAT THERE WERE MORE ACCOUNTS ADDED AFTER THAT. SO I THEN FILED ANOTHER POLICE REPORT ( XXXX. XXXX ). 

ACCOUNTS ARE BUT NOT LIMITED TO : XXXX XXXX XXXX XXXXXXXX XXXX  ( TWICE ) XXXX XXXX XXXX XXXX XXXX THERE IS ALSO A XXXX XXXX XXXX XXXX ACCOUNT THAT I DISPUTED WITH ALL THREE CREDIT REPORTING AGENCIES NUMEROUS TIMES. THIS ACCOUNT HAS BEEN REMOVED BY TWO OF THE AGENCIES ( XXXX XXXX XXXX ). Experian HAS REFUSED TO FOLLOW SUIT. AS THIS ACCOUNT IS STILL REPORTING NEGATIVELY 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 non-monetary relief
Consumer complaint received 2018-05-18
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL

Complaint:
On XX/XX/XXXX received email from Lowe’s Synchrony Bank  stating my payment was late. I phoned them because I had made my recent payment in store. In the phone conversation it was discovered I had been told the wrong amount. I noted that my available balance was off and was told that my limit had been decreased. Prior to this confusion over the payment, my payment history with them has been excellent. The agent stated that they had pulled my report on XX/XX/XXXX of this year and based on that report they lowered my limit on XX/XX/XXXX The information was outdated and erroneous. The one reason given listed was present when I opened the card in XX/XX/XXXX. I disputed an unauthorized inquiry from Wal-Mart synchrony bank and feel this is tied to that.

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 2022-01-17
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:
I contacted Experian, XXXX and XXXX in XXXX of 2021 to ask them to properly verify information that was being shown incorrectly. The dates my account was late is entirely inaccurate. This account was closed months before the Charge off. 

I will assert my right to arbitration to remedy the credit bureau 's failure to furnish accurate information. It is my right at this point to have this information deleted from my credit report. 

If Experian, XXXX, and XXXX fail to do their part again, I'm ready to sue in small claims court because of my legal standing under 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 explanation
Consumer complaint received 2023-02-28
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:
On ( XXXX/XXXX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation 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 2022-03-30
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: LEXISNEXIS

Complaint:
I contacted lexisnexis on XX/XX/XXXX asking how they verified the information that XXXX, XXXX and XXXX are saying they furnished them regarding the bankruptcy on my credit report. On XXXX they replied that the bankruptcy was accurate without providing me the information that I was asking for even though at the bottom of their letter they said it was my right to request the process on how they obtain and verify this information. They tried to make it like I was disputing the information when I simply asked for the process of verification. on XX/XX/XXXX they sent another letter saying they were going to dispute/remove the info from XXXX, XXXX, XXXX. Then on XX/XX/XXXX they sent another letter stating they can't give the results of the investigation because I didn't fully identify myself which can't be true or else they wouldn't have responded to me on XXXX. Therefore I followed up today with response demanding what I asked for on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
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:
complaint regarding the ongoing inaccurate account reporting related to XXXX XXXX account # XXXXDespite previous attempts to address this issue, They continues to report incorrectly, which is a clear violation of the law. I have made every effort to rectify this matter but have been met with indifference and lack of compliance. This serves as my last and final attempt to seek justice and have the inaccurate information promptly removed from my credit report. Thank you for your prompt attention. I trust that the CFPB will impartially address this serious issue Remove Account, this is inaccurate information reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
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 I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-07-03
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, 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 Has violated my rights.

15 usc 1681 section 602 ( A ). States I have the right to privacy.

15 usc 1681 section 604 ( A ) section 2, also states a Consumer Reporting Agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.

Complaint:
There are 2 accounts somehow reporting late and I think this is wrong see letter attached

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