hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-10-20
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:
On XX/XX/XXXX, I contacted Experian, XXXX, and XXXX representatives concerning the likelihood of false accounts being established using my customer data. I implored everyone to delete these accounts since I had no idea how they got there. All three firms advised me on how to keep track of things and complete an FTC form. I sent my information on XX/XX/XXXX. Even though I had filed my letters more than 30 days previously since they had been " verified, '' the accounts that were not mine were still shown in my documentation. This situation bothers and concerns me because it inhibits my family and me from purchasing a property. On XX/XX/XXXX, I called the three firms again to inquire about how they could certify that these accounts belonged to me. They told me to contact the debt collectors directly because they couldn't help me any further. Every bank that the client dialed at the same time and forwarded to me had been dialed incorrectly ; they had no idea who I was or what the accounts were about. An online verification was completed to ensure that I had not made a mistake. My buddies advised me to visit the CFPB website. I'm hoping this works because my family and I desperately need the house we're trying to buy.

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 2022-05-24
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 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 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 2019-10-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PMAB,LLC

Complaint:
I do not understand. I was forced to go to the hospital against my will and was billed for being brought to the emergency room. From there I get a call from the hospital saying I was going to be sent to collections if I did not pay. I gave the lady my insurance information and she said " thank you very much! We will take care of it from here '' Few months later and here we are and I am being sent to collections and it was already settled. Never reached out to me again. If it wasn't for XXXX XXXX I would not even know I was sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
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: EQUIFAX, INC.

Complaint:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
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: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
there are 8 inquires from capital one that I didn't consent to and they need to be removed from my credit file the dates for the inquires are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these need to be removed from my XXXX  credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.

Complaint:
I Did not work for XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: ZIONS BANCORPORATION

Complaint:
On XX/XX/2022 I, XXXX XXXX, went into Amegy Bank located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX to open a business account. I was assisted by XXXX XXXX who took my documents and a grant check that was awarded to my company XXXX XXXX XXXX for the work it does for the XXXX community through the Human Rights Campaign and Showtime. 

XXXX took all my documents and stated that she needed approval to open an account. So I said okay. XXXX walked to the back and return shortly stating that the account could not be opened because the Certificate of Formation documents were new and it would be three months before I could open the account which I found odd. 

So I left and called Amegy Bank and a representative searched and found the banking rules that said no such thing and called over to the bank while keeping me on hold. After several minutes the representative returns and explains how sorry she is for the inconvenience and hangs up. 

About twenty to thirty minutes I get a phone call from XXXX who states : I'm over sharing this but there has been a lot of business banking fraud and I was told to say that insinuating that I was there to commit fraud then tells me if I can produce documentation of where the large sum grant check came from she would gladly open the account which makes no sense because she just told me my documents were new and the reason. 

So at this point I knew it had nothing to do with my documents. It was about me, a hardworking African-American business woman coming into the bank with a huge check to deposit for my business that I and my business was awarded and earned and immediately being racially discriminated against. I broke down crying, disappointed and disgusted at her behavior and reached out to XXXX, an XXXX associate who took my complaint. Currently waiting for a follow-up call.

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 2023-03-07
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:
I sent a letter off on XX/XX/2023. Here is my tracking # XXXX. To remove personal information that I don't not want on my credit report. According to the fair credit report act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institute is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer 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 non-monetary relief
Consumer complaint received 2019-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation

Complaint:
On XXXX/XXXX/19, XXXX/XXXX/19 and XXXX/XXXX/19 I have submitted multiple disputes with the creditor and the credit bureaus regarding an inaccurate debt reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
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:
The XXXX XXXX XXXX and XXXX service has fraudulently put a negative item on my credit report. I have attached appropriate documentation. I demand that this item is removed immediately.

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 2022-03-28
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 Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I have a XXXX credit card. I have had this credit card for over 8 years. The payment history reporting is incorrect to all 3 bureaus. Payment history shown on my reports only goes back to XXXX, but should go back the 7 years allowed to XXXX. This is resulting in inaccurate on time payment percentage calculations that are significantly impacting my credit score. 

I first noticed this problem when I was late on a payment in XXXX of XXXX. 

I have disputed this information with XXXX card. I believe I began the dispute in XXXX of XXXX. They closed the dispute and nothing has changed. I have called them several times since then, most recently in XXXX of XXXX and they now say there is nothing they can do on their end, that it is the credit reporting agencies who are in error. 

I filed a dispute with XXXX in XXXX of XXXX. They sent me an email saying they had closed the dispute. I called them to follow up and was told that they do now have the payment data going back to XXXX but that it would take until the last week of XXXX to show up in their systems. I checked today ( XX/XX/XXXX ) and it is still not showing up. 

From what I can tell Transunion and XXXX are also reporting the same error.

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 2023-01-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION

Complaint:
Within the last month, I have accrued over {$430.00} in overdraft fees with Regions Bank. I am aware of the overdraft protection act and what it limits banks to regarding overdraft protection fees. I am also aware that Regions bank is under investigation due to this same issue, owed to payback most of the excessive overdraft fees. The act states that no more than one overdraft coverage fee per month and six per year, per account, by the terms of the proposed bank overdraft fees law. 
The fees I was charged include XX/XX/XXXX for {$100.00}, XX/XX/XXXX for {$100.00}, XX/XX/XXXX for {$36.00}, XX/XX/XXXX for $ XXXX for {$72.00}. 
I approached Regions bank and they told me they were only able to refund 'maybe ' {$72.00} back. Once I brought up the over protection act, they told me that they were able to charge up to {$100.00} in overdraft fees per month. Even with that, they wouldn't return more than {$72.00} of fees back to me. 
I have multiple accounts with them that have money in them, and I haven't been charged an overdraft fee with them on this account before this month. The {$430.00} is more than the charges on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-29
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:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-22
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 was given a retention offer of XXXX XXXX miles on XX/XX/XXXX. It is now XX/XX/XXXX. I have called five times, been on hold/asked about this for a minimum of 6 hours, to be told today " it is a known problem and we are working on it. '' Please give me what you said you would give me without me having to call five times ( and still not have it ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28
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: Experian Information Solutions 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, 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 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 2022-07-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.

Complaint:
On XX/XX/2022, I submitted a dispute for charges to my Home Depot consumer credit card because Home Depot was unable to process a refund even though I left the items in the store ( the full description of the issue is in the dispute I filed ). The amount disputed was {$300.00}. On XX/XX/2022, Home Depot Credit Services acknowledged receipt of my dispute and said they were investigating my claim, per the letter I received. Also on XX/XX/2022, Home Depot Credit Services requested by letter to provide additional information regarding this dispute, which I sent as requested by fax. On XX/XX/2022, Home Depot Credit Services sent a letter stating that the dispute was resolved in my favor and that " [ They ] issued a credit to [ my ] account for the above amount ( s ) and adjusted any associated fees and interest charges. These will appear on [ my ] statement within two billing cycles. '' The amount was {$300.00}, as I had originally requested in the dispute. 

It has been two billing cycles and two phone calls with the customer service center to inquire about the credit to my account because it hasn't been made. They are unable or unwilling to issue the refund as stated in the letter I received on XX/XX/2022. I request a credit for {$300.00} be issued as soon as possible and the employees be trained appropriately to resolve this kind of situations without wasting the customer 's time.

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 2019-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I have dispute the accuracy of an account with Transunion multiple times. The date below are dates that I have submitted a dispute with Transunion for the 30-60 day late payment on my account with XXXX. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Each time I get a notification that my dispute is complete and has changes, yet it does not have changes. My XXXX account was marked late XX/XX/XXXX, 30-60 days late. Which it was not, a payment was made on the XXXX day. I have contacted XXXX numerous times regarding it around XX/XX/XXXX, and was told they would remove it, which they did not so I resulted in disputing it with Transunion. 

This is not the first time this has happened with Transunion. It appears as if they do not even collect or contact the creditor for information regarding what is being disputed.

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 2019-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.

Complaint:
XXXX XXXX XXXX XXXX Account was never late. XXXX is entering the wrong payment dates.

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 2021-09-04
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: JPMORGAN CHASE & CO.

Complaint:
My credit has been pulled fraudulently. Please remove inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXXDate of Inquiry XX/XX/2021 XXXXDate of Inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
On XX/XX/2020, A Bankruptcy reported on my credit report. A numerous of dispute letters, call, and faxes was sent credit bureau. 
I am writing to dispute the following information that appears on my TransUnion consumer report : U.S BANKRUPTCY COURT Ive contacted the Bankruptcy Court, received letters from the court and forwarded to Transunion stating that the Bankruptcy was not verified as mine. As the debtor has not verified. also, there was no written form of communication, contract, or signature for this accrued debt. A letter without my signature does not validate that his bankruptcy belongs to me. According to the FCRA Transunion has violated my rights as a consumer and Im requesting legal action to remove this public record immediately,

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 2021-05-03
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:
This letter is a formal complaint that Credit bureaus is reporting inaccurate and incomplete credit information. 
I am distressed that have included the information in my credit profile and that they have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate in a timely matter is its been over 45 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.

Complaint:
They keep calling even after I told them the person that they are looking for no longer own the phone number ask to be removed but they still keep calling at all time of hour. 
( Midland Credit Management MCM )

Company response to consumer: Closed with non-monetary relief