hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2020-11-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC

Complaint:
Ive received a letter of deletion and this company continues to resubmit this debt that Ive never owed, damaging my credit for the fourth time, this is very exhausting especially in the middle of closing on a house during a worldwide pandemic, which Ive stated before in the beginning of my home buying process months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
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 Report Act XXXX  Account : # XXXX, From : 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.

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 2022-02-01
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : 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 non-monetary relief
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I have spoken to several representatives for the company to remove the incorrect information. The account is reporting on credit profile as inaccurate information and hurting my score. This account is also preventing me from getting approved for items.

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 2023-07-24
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:
XX/XX/XXXX I sent a dispute letter to all three bureaus ( Experian, XXXX, and XXXX. ) My XXXX XXXX and two collection accounts from XXXX XXXX are hindering me from the home-buying process and they are not being reported accurately. I have tried to communicate with the bureaus, and the Creditors to no avail. They each send me from one of them to the next and I've been involved in a countless cycle of this is not our doing, contact the other to resolve. No one has been able to verify these accounts as accurate, and yet they have not been deleted off of my credit report. 

Attached is photo proof from my credit report that XXXX XXXX is inaccurately reporting my account. An account that I have paid on time, every single month since XXXX. I have had perfect payment history on all of my accounts for years- and somehow it is reporting I was on time all three years up to XX/XX/XXXX, and then magically in XX/XX/XXXX I'm suddenly 90 days late. This is literally impossible and reporting wrong. I immediately requested that this entire account be removed from my credit report and have received no response. 


Attached also below is proof that two XXXX collections are inaccurately being reported as well I called in to the collection company and they told me they no longer have my collection and they had sent it back to XXXX and I was to reach out to them for further assistance. When I reached out to XXXX they had NO record on file of that particular collection and collection amount. It's as if it literally doesn't exist. I was told to go to the physical store for help and they told me it was outside their jurisdiction and it's best to contact customer service again. I did and again they were unable to find said account!! I also have sent dispute of this account and failed to receive request verification of this account! 

The other account has been disputed as well and again it's not reporting correctly, and it's failed to be verified as mine but it is still on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
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: WELLS FARGO & COMPANY

Complaint:
I already reached out to the credit bureaus ( XXXX, XXXX, XXXX ) and notified them of their error posting of information on my report. The account balance is in fact wrong. A charge-off should show a XXXX balance. I was never late on these accounts. I have been monitoring my credit report for any changes, but I am yet to see the correction that I asked for and desperately need. I requested to generate a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information was received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist 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 2019-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.

Complaint:
On Monday XX/XX/XXXX while at work, I have received a welcome to XXXX email. Which I havent opened nor heard of. Right after two transactions of {$500.00} was taken out my account to two different people I dont even know of. I called PNC that same evening/night. While on the phone ; a XXXX amount off XXXX was taken than cancelled. Crazy. The Rep on the phone block all access online. I went to my branch despite everything that I didnt authorize. Even than I was told I had to wait. What I dont get is HOW ALL THIS TIME BEING A CUSTOMER THEY ALLOW A XXXX ACCOUNT TO BE MADE. That should be suspicious activity for all of suppen to have. No one called or anything. The fact I reported everything within hours they basically didnt Care all my money was fraudulent taken. They didnt even credit me anything. I just gotten Paid n Pnc just let my money go. I have all types of security with this back because they allowed my twin to fraudulently take out my account back in XXXX. Now here I go again and they seem not to want to do anything about it but tell me I have to Wait n they may cant give me anything. I have a XXXX year old that I work hard for n to have my money just taken n not refunded I truly dont feel Safe banking with them anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I recently pulled my credit Reports, And I discovered that XXXX XXXX XXXX # XXXX Account was still showing as delinquent for 30 days I would like to see about getting updated Account information Because I noticed that the account was reported 30 days late Although I was consistent with my account and it was a switch over With purchasing cars It should have never been on my report. 
Per section 609 ( a ) ( 1 ) Of the Fair Credit Reporting Act, you are required by federal law to verify and All accounts posted to my credit report, to report accurate information. I request all verifiable proof you have on file for the late payment listed on the following account with XXXX XXXX XXXX. This delinquent account record is inaccurate and I request that the following account be validated and properly removed And I requesting Updated information into 30 days. I have also supplied proof below in the documents I also have several telephone numbers An incorrect addresses listed on my account as well Which needs to be removed XXXX XXXX XXXX Multiple name spelling as well I am in the opt in system to give correct name and current address

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 2021-01-28
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: TRUIST FINANCIAL CORPORATION

Complaint:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, SUNTRUST AUTO DEALER FIN add a hard inquiry on my credit reports. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2023-04-20
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, the list of accounts provided below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section. 

Account : XXXX XXXX XXXX XXXXXXXX Account : XXXX XXXX ( XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A : States my right to privacy as a consumer.

15 U.S.C 1681 section 602 A Section 2 : States that a consumer reporting agency may not furnish information about a consumer 's creditworthiness, credit standing, credit capacity, or other personal information to any third party unless the consumer has given prior written instructions as consent for such disclosure.

15 U.S.C 1681c ( a ) ( 5 ) : 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 7 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 a 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 2019-07-08
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Santander Consumer USA Holdings Inc.

Complaint:
In the present expose as a client my dissatisfaction with a report from Banco Santander to my credit bureaus that affects my credit score which I am protecting, I have an excessively high interest, which has sometimes been difficult for me to maintain a payment to weather. I have spoken with the bank and they have told me that this is directly with the credit bureaus. The day we decided on a payment agreement, I was conducting intensive studies for my XXXX license from the state of Florida. I ask that the late payment report from my credit bureau be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
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: DISCOVER BANK

Complaint:
I want to refile a complaint against DISCOVER BANK I have been sending letters and filing a dispute with them, but they are not providing the proof and the methods of investigation that they conducted, they keep on telling that they conducted and verified all the information on my credit report, BUT they failed to provide the documentation which is beyond 30 days. They have violated Fair Credit Reporting Act to provide accurate information on the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.

Complaint:
I have NO Business with this company. They have called 13 times in the last 3 weeks. Here are some of the numbers they call from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They did the same thing last year and repeatedly called. I told them I have no business with them and never did. Now they are doing the same repeated XXXX. Please stop them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP

Complaint:
Dear Consumer Finance, This complaint is against US Bank. I have experienced tremendous pain and suffering due to this account.

Over a month ago I opened an online checking account with US Bank. I had an unauthorized transaction that took place causing m account to freeze. After numerous attempts of speaking with my supervisors, tellers, bank managers, and spent hours being directed to so many different departments. Not even a month I had unauthorized transaction and my account was closed. Even my account being closed and requesting funds to be given either at the branch or sent in the mail. Its been over a month I have waited to see my refund of about {$1100.00}. I take care of 2 Senior parents,  during that time I had experienced a loss, I suffer from XXXX   XXXX  and I even spent hours letting them know this caused health issues. Their response was they couldnt do anything. The efraud team treated me unfairly and discriminated me and also made assumptions. This company have caused sleepless nights, my health to be worse, and I cant believe they are doing this during COVID. 
This bank has contracted with XXXX XXXX to do Bank products and I happened to be a licensed XXXX XXXX agent team member. I find it so hard just my personal experience alone to see how unprofessional these employees such as supervisors, managers, tellers, horrible customer service, the worst. Misleading information and communication is not there. No assistance given. Still after visits to the branch, making customer service calls early in the morning and at night. Unbelievable and horrible work ethics. Unfair treatments. Banks like this caused my health to fail. If I dont die from COVID, the XXXX, XXXX  and XXXX  this has caused is unacceptable business and bank practice. No refund of my closed account and I was told to wait 90 days to stop a cashier check. No flexibility. No options.

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 2023-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Dear CFPB, I am writing to request that you remove all inaccurate information from my credit report. The information that is currently reporting is false and incorrect and goes against a credit law. I am requesting that this information be removed immediately. 

I understand that the CFPB is responsible for protecting consumers from unfair, deceptive, or abusive practices and enforcing federal consumer financial laws. I am confident that you will take the necessary steps to ensure that my credit report is accurate and up-to-date. 

XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX Last payment XX/XX/XXXX Payment status 30-59 days late Worst payment status 30-59 days late ACCOUNT DETAILS Account status Open Type FHA real estate mortgage Responsibility Individual Remarks -- Times XX/XX/XXXX days late XXXX CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-04-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL

Complaint:
I have 3 promotional balances on my card. One promotional balance expiring on XX/XX/23, XX/XX/23 & XX/XX/23. In order to pay off my promotional balance expiring on XX/XX/23 to avoid interest charges, I have been making additional payments of {$51.00} towards the balance. My payments were made on XX/XX/23 & XX/XX/23. I will also be making the same {$51.00} payments on XX/XX/23, XX/XX/23 & XX/XX/23. Synchrony Bank is applying my additional payments towards the promotional balance expiring on XX/XX/23. By doing this, they can charge me interest on my promotional balance expiring on XXXX contacted them about they payment made on XX/XX/23 and they corrected their error. However, the payment on XX/XX/23 was applied to the promotional balance expiring on XX/XX/23. I should not have to keep calling or messaging them for my payments to be applied correctly.

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 2022-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge 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: DISCOVER BANK

Complaint:
Hello, At about XXXXXXXX XXXX on XX/XX/22 we purchased XXXX tickets online for an event from XXXX XXXX and the charge was made on our Discover Credit Card in the amount of {$160.00} ( {$75.00} per ticket plus service fees ) They sent Tickets for Friday the XXXX of XXXX, we ordered tickets for Saturday the XXXX. 
We notified them as soon as we saw the error at about XXXX XXXX on the XXXX and only received a computer generated message indicating the matter would be investigated. 
Before we purchased the tickets for the event we made hotel reservations and the reservation for the hotel was only able to be cancelled before XX/XX/22 at XXXX without a charge. 
We emailed the vendor again regarding the error early on the morning of the XXXX, text messaged them also and left XXXX voice mail messages stating that we needed to know by late afternoon of the XXXX that we would be receiving corrected tickets before we would be charged for the hotel reservation if we had to cancel. No response other than the notification regarding the investigation was ever received. 
We cancelled the hotel because we were in limbo when the deadline approached. 
XXXX sent corrected tickets on the XXXX XXXX hours after our free hotel cancellation deadline had expired and never communicated with us regarding whether or not the tickets dates would be corrected. 
When we tried to make a new hotel reservation after receiving the tickets for the correct date, there were no hotel rooms available. We asked that the purchase be cancelled and our credit card issued a credit. It has been declined and our dispute denied by Discover because they state the correction was made, although by that time we were unable to get a new hotel reservation. 
The XXXX charge was made immediately and yet it took XXXX hours to make a correction. If they had only communicated to let us know that we would get corrected tickets in time, this issue could have been avoided. But XXXX did not. 
We cancelled our Discover account but would like to be credited for the {$160.00} by the vendor XXXX XXXX. We have no outstanding balance other than the disputed amount. 
We also have {$14.00} XXXX Back owed to us by Discover. 
Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-21
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 appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief