hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.

Complaint:
Please note : Phone calls are not permitted in this legal matter. 

On or about XX/XX/XXXX a promissory note in the form of an application was given to CFO XXXX XXXX dba BREAD FINANCIAL HOLDINGS, INC and/or affiliates. 


Upon my research and investigation I have found out that my application and/or agreement were in fact exchanged for federal reserve notes at their local Federal Reserve Bank XXXX XXXX over the counter ( as I pay fees and interest on top of what they took from my estate ) and I was not given full disclosure at the time of paperwork being signed. I am privy to this information and now that I am ; I have a right to my securities that were taken from my estate. 


On XX/XX/XXXX I XXXX, XXXX on behalf of XXXX XXXX gave first notice XXXX XXXX XXXX XXXX that I accept all XXXX XXXX Rights, Interest and Equity owed to XXXX XXXX. Along with my tender/Allonge of payment ( entitled 'LETTER OF INSTRUCTIONS ' ) ; I also accepted and endorsed the negotiable instrument ( bill ) offered to me. 


I have given XXXX XXXX XXXX 5 business days ( per notice ) to respond in writing or to apply the principal 's balance to the principal 's account for setoff I was met with a notice from their organization saying that I sent XXXX XXXX XXXX a cease and desist ; where as you can clearly see in the notices you have ( same notices XXXX XXXX has ) it says to contact me in writing. NOT to cease and desist contact. 


Since then I have sent out 3 notices ( 3 tiers ) totaling 30 days. These notices are clear and concise of what I want them to do. I have performed and expressed myself according to the Federal Reserve Act Section 29 ; and now I am here to properly have XXXX XXXX XXXX and/or BREAD FINANCIAL assessed. 


They're in XXXX of XXXX for inferior performance of their fiduciary duties. At this point they're in the know of this breach and I would consider their actions to be scienter. 


The contract signed had no consideration on their part since they never loaned me any of their own money and/or assets ; instead they exchanged my promissory note ( Which had a cash value equal to the bank loan they Supposedly gave. ) Meaning, I loaned myself the credits they give me on the credit card and am being extorted for extra monthly payments and interest on top of what I have already gave them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Lincoln Educational Services Corporation

Complaint:
I have a received a bill for {$320.00} in 2021. When I graduated from Lincoln Tech they told me everything was taken care of until I received this bill. It hasnt even been one year and I was put in collections. I was even paying little just to not get put into collections. I dont understand how you can put a student loan in collections just for a few months and now it has hurt my credit score. I need this to be out of collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
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:
I HAD PREVIOUSLY SUBMITTED A CFPB COMPLAINT AGAINST XXXX XXXX  WHICH IS ONLY REPORTING TO EQUIFAX BUT THERE WAS NO RESOLUTION. IT SEEMS THAT MY COMPLAINT WAS UNABLE TO GET TO XXXX XXXX. SINCE EQUIFAX IS THE REPORTING AGENCY, I AM NOW FILING A COMPLAINT AGAINST EQUIFAX FOR REPORTING INACCURATE INFORMATION. I SETTLED IN FULL THE BALANCE OWED ON FRONTIER COMMUNICATION YET THEY ARE STILL REPORTING A BALANCE. THIS IS A VIOLATION TO OUR SETTLEMENT AGREEMENT. XXXX XXXX NEEDS TO BE DELETED IMMEDIATELY. I HAVE ATTACHED PROOF OF MY PAYMENT TO FRONTIER COMMUNICATION AS WELL. EQUIFAX IS REPORTING FALSE AND INACCURATE INFORMATION WHICH IS HURTING MY CREDIT. DELETE ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
It has been drawn out that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX  Inquiry Date : XX/XX/2020 XXXX XXXX XXXX Inquiry Date : XX/XX/2020 XXXX XXXXXXXX Balance : {$0.00} XXXX  Inquiry Date : XX/XX/2020 XXXX XXXX Inquiry Date : XX/XX/2020

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 2023-01-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY

Complaint:
My account was closed for the overdraft that was made on my checking account and I thought I had overdraft protection on the 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 2022-07-25
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:
n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX ( Finance ) XX/XX/2021, XXXX XXXX ( Finance ) XX/XX/2021, XXXX XXXX ( Finance ) XX/XX/2021, XXXX XXXX XXXX ( Finance ) XX/XX/2021, XXXX XXXX  ( Finance ) XX/XX/2021, has violated my rights, by farming my information out resulting in multiple inquiry negatively impacting my credit report. 

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
Consumer complaint received 2022-01-11
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:
About a week ago I received updates on my credit monitoring service that XXXX XXXX has appeared on all 3 of my credit reports, I did visit the website but dont recall even signing up for it. I was under the impression that they provide an additional tradeline that would help add points to the credit reports, not show an additional debt for $ XXXX. Im in the process of buying a house & cant afford to add an 80 % utilization to my file. Ive tried contacting the company & have not received a call or email back which makes me believe its fraud

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 2022-12-08
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:
Upon CFPB complaint completion on XX/XX/2022, Creditor and Consumer agreed to delete account. Dispute was opened with XXXX to delete account and pertinent documents were uploaded for validation. XXXX deleted account, XXXX DID NOT delete account and closed the dispute. I called multiple times and they just want to open another dispute, which is ridiculous! This is a USC 1681i - Procedure in case of disputed accuracy AND 15 USC 1681i ( 5 ) ( A ) ( i ). 15 USC 1681 states that I have a right to privacy. 




XXXX XXXX Home Mortgage  Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Western Portfolio Assets

Complaint:
Well fist they keep calling my parents and they even called my other family members. I think that 's on the border line of harassment. They said them will sue which they are a debt collector which makes no sense. Also it 's not a debt anymore it 's just a bad investment. They also said I had a car loan which implying they will seize that really????

Company response to consumer: Closed
Consumer complaint received 2017-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I have made 2 disputes to Transunion and XXXX to remove a paid state tax lien from my report as it does not meet the XXXX XXXX, 2017 pii requirements, they continue to respond as accurate/updated. They are not complying with the new requirements and did not truly investigate my dispute as I have a copy of the original document filed from the court house. There is only name and address, no date of birth and no full social security number ( it is retracted on all of their documents ). The credit agencies are lying, they obviously are not doing the investigation and/or they do not truly have access to the original documents filed in which case they shoud have removed them. Instead they just lie about having it verified/updated. This is in complete violation.

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 2017-06-07
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: CITIBANK, N.A.

Complaint:
XXXX sent me dispute results and a credit report. The results from the dispute are inaccurate. The dates on the dispute results and on the credit report are not the same. The representative on the phone provided me with different dates as well. The negative items should have been removed from my credit report by law. XXXX representatives are placing the blame on the companies, stating that the companies are reporting the information inaccurately. ( Macy 's and XXXX American Express ) If XXXX just monitored the information reported, they would clearly see that the dates reported have changed. This is Fraud.

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 2022-06-15
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:
In accordance with the Fair Credit Reporting Act- XXXX XXXX XXXX XXXX XXXX Account number XXXX has violated my rights. 

15 USC 1681 Sec 602A states that I have the right to privacy.

15 USC 1681 Sec 604A Sec 2 also states that a consumer reporting agency can not furnish an account without my written instruction.

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 2023-01-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rausch Sturm LLP

Complaint:
I ask the company for specific paperwork to send me and didn't receive. 
Violated my rights

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 2021-01-05
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.

Complaint:
Macy 's closed my account ending in XXXX and transfered the balance to a new account ending in XXXX. They increased my account from XXXX to XXXX, XXXX with out my approval. 
I want my original account to be open.

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 2018-07-23
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:
Recently checked my score, hoping to see that it changed for the better after I paid off a bill and got new credit card.Instead I see my credit score was a XXXX. Literally.I can not get no one to explain it to me.I see the bill I paid off completely is on there twice! All this is happened this year.

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 2017-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.

Complaint:
To whom it may concern, I received a letter yesterday ( XX/XX/17 ) dated XX/XX/XXXX informing me that Citi had closed my account due to lack of activity. This was the first communication I had heard from them regarding the inactivity and the potential for closure. 

I called the number on the letter, and requested to re-open the account. I was told that I would not be allowed to do so without a hard inquiry into my credit. This would of course have a negative impact on my credit score. I also requested that they transfer the line of credit onto another of the cards that I have open with Citi,  which was denied. 

I requested escalation and was connected to XXXX who is an Account Manager with ID # XXXX. She told the the same information. 

I have been a long-standing customer of Citi credit card and banking, and by having multiple card accounts across different financial institutions, I am aware as well that these practices -- the lack of notification and lack of remedy without a negative impact to the consumer -- are irregular within the industry, and are highly anti-consumer. Additionally, having an account closed by the company could reflect badly on credit reports and scores as well, both through the closure, as well as the reduction in outstanding credit in the debt/credit ratio. 

Citi knows I am a longstanding customer in excellent standing who has never failed to pay my obligations every month on time, and in fact still sees fit to extend me credit via other cards -- this decision had nothing to do with creditworthiness, just account activity. Therefore, I insist that the account be re-opened without a detrimental hard inquiry into my credit, or that I be allowed to transfer the full credit line to another Citi credit card account. 

Thank you for your consideration.

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 2023-04-03
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:
This complaint shall be considered a follow-up to my filing of complaints dated XX/XX/XXXX, to dispute these erroneous items : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$3000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1400.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$750.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$160.00} 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 2023-01-23
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-19
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 XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, # 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 an 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 2023-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.

Complaint:
This is a follow up to my previous complaint. The company Citibank changed us to Estatements. We don't do estatements and we would never knowingly sign up for them. When the company sends out the acknowledgment they send it out on email. Given that we didn't sign up for estatements and it would end up in our junk email which we never check, we would not have been aware of this. 

When we missed a payment the bank did not reach out to us by phone until it ws 30 days past due. That allows the damage to our credit history to occur. The bank had our phone number, had permission to leave a message and just never bothered to do their due diligence and, as a result, they damaged my reputation causing my credit rating to go from near XXXX  to XXXX. This resulted in other credit card companies reducing our credit. We are being punished for the incompetence of the company to reach out to their customers. 

We have had a stellar history with Citi and been customers since XXXX WHY they could not be bothered to reachout until after ( and to have the customer service rep tell us it would NOT be reported on our credit history knowing that it was 30 days past due ) is inexcusable. There need to be consequences for damaging the reputation of customers particularly long term customers who DO NOT use estatements have never have. 



This has recked a carefully cultivated credit history, damaged MY reputation and Citi is not held accountable for it. I will be cancelling my card once this is resolved, contacting a lawyer for a class action lawsuit against Citi and Costco ( who does business with this Citicard ) unless this is reversed immediately within our favor. It is irresponsible and an example of a company having too much power. I have attached previous attachment on the two previous complaints. I should also note that we received a statement a full two weeks AFTER they had already reported it to the credit agencies. I don't buy the " we can't control the mail '' XXXX because this clearly was mailed a week ago. This should have occurred BEFORE it was ever reported and they should have reached out by phone ( I will gladly provide my phone records proving they did not before it was over 30 days past due ) prior to that. 

I have called them, written to the office of the President, the CFO, their general counsel as well.

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 2015-05-01
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Altisource Portfolio Solutions, S.à r.l.

Complaint:
Nationwide Credit INC. called to say if i paid of my debt within a certain time frame that XXXX XXXX would reinstate my credit card and that my credit would show an active account. They took my money and my credit report states my XXXX XXXX account was charged off negatively effecting my credit. They lied from the very XXXX time they called and now when i call they cant access my account and the managers are always on break.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation