hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL

Complaint:
( On XX/XX/XXXX ) My Care Credit Master Card account was Fraudulently accessed and my address was changed to ( XXXX XXXX XXXX XXXX, Ohio XXXX ) as well as other action with 2 other with Synchrony Bank Card accounts XX/XX/XXXX I contacted XXXX credit bureau to remove a fraud alert I had removed XXXX and was still active. 
While speaking to the agent by phone and viewing my credit report on-line at Experian.com, the Agent removed my fraud alert and I found ( viewing the acct.on line ) that 2 of my credit accounts were closed and an incorrect address had been reported .The agent verified the address change and both credit card closures were reported to XXXX by Synchrony Bank on XX/XX/XXXX XXXX The Home card was closed for " Inactivity '' and the XXXX card was v closed at " Customer request '' I filed a fraud dispute on XXXX card and a dispute to re-open my Home card. I then filed a dispute for fraudulent change of address with XXXX. 
XX/XX/XXXX I contacted Synchrony Bank XXXX Care Credit Master Card Fraud department by phone. Spoke with " XXXX '' He stated the address change was reported " on-line XX/XX/XXXX and updated to the account on XX/XX/XXXX. He placed a Temporary freeze on my account and issued a new card. I asked what the bank would do about my fraudulently accessed account, he said the bank does not inform customers on any action taken in fraud situations with customer accounts. 
Note : ( After reporting this address change on XX/XX/XXXX to Synchrony Bank ) On XX/XX/XXXX XXXX. ( XXXX ) I received my first communication of changes to my Care account : I received a letter from my Synchrony Care Credit Rewards Mastercard stating Synchrony Bank had received an address change and updated my accounts mailing 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 monetary relief
Consumer complaint received 2020-04-29
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: CITIBANK, N.A.

Complaint:
Hello, On XX/XX/XXXX I applied for the Citi XXXX Credit Card under a promotion stating that I would receive XXXX " Bonus Thank You Points '' in exchange for spending {$4000.00} within three months. 

I was approved for the card however did not receive the card until the week of XX/XX/XXXX. 

Due to Citi 's delay in mailing me my card I was given less then two months two complete what per their advertised terms needed to be completed within the first three months of account opening. 

On XX/XX/XXXX I reached out to Citi via chat XXXX attached ) and expressed my concern and asked for an extension. I was told to simply meet the spending requirement and they would see what could be done. Had I been told there was no flexibility I could have had the opportunity to meet the time frame they required. 

I met the spending requirement well within the three months of receiving the card but shortly after the three months of account opening. I followed up with Citi and they declined my request for issuing of Points based on their terms of spending needing to happened with the three months of account opening. 

Whether purposeful or accidental, Citi 's delaying my receipt of the card did not allow me a reasonable or fair opportunity to meet the promotional terms that they set forth. Furthermore, follow up with Citi produced disingenuous directions to continue spending without any clear indication of a fruitful outcome. 

I ask that Citi issue me the points promised based on the delay of card delivery at no fault of my own and the spending requirement met. I'll be upfront in saying if not settled through this process my next step of resolution would be a Small Claims case since the Points worth is significant. 

Thank you, 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 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
I HAVE TWO COLLECTIONS ON MY CREDIT PROFILE THAT I HAVE NO KNOWLEDGE XXXX XXXXd and the XXXX company OF I HAVE NEVER BEEN THERE AND IWAS NEVER WARNED BEFORE THIS WAS PUT ON MY CREDIT PROFILE OF OTH PLACES THE XXXX  IS IN TENNESSE I STAY IN NC THIS IS CLEARLY IDENTITY THEFT OR A MISTAKE ALSO THERE ARE INQUIRIES THT ARE NOT MINE I REQEST THEYBE REMOVED I HAVE ATTACHED MY FTC REPORT also on one of the credit report it has my last four social as XXXX which is not correct please fix this immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
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: EQUIFAX, INC.

Complaint:
I've identified accounts on my report that are a result of identity theft. These items are not related to any transactions completed that I've made. XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
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: JPMORGAN CHASE & CO.

Complaint:
I have been in contact with XXXX XXXX of Consumer Affairs, spoke to a supervisor name XXXX XXXX. I have submitted a police report and an identity theft report regarding the account for JPMCB, and XXXX XXXX, which is still reporting. I have filed a lawsuit, and nothing has happened with this account. It was settled, and still no removal of an account I did not authorize. My desired outcome is for these items to be removed in my favor. 
I have sent documents already.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.

Complaint:
I have a great amount of debt with Student loans. I have loans that were XXXX XXXX and now Navient. Ialso have Student loans from XXXX. My loans are over XXXX. I went to University XXXX and received a XXXX. However, I couldnot afford to pay almost {$400.00} a month living in the XXXX. The reps advised me to get a defferment The interest rates are high now. No one advised me of other alternatives.I lost my job and some someone told me about XXXX payment plan years later which I am on because Im not employed but what about all that interest that accured. No one is never willing to explain to you other options but defferment.I would like for my loans to be forgiven..the world states University XXXX is a fake college but ... i paid all that money ... student loans but no job ... I live with my XXXX mother my credit has been messed up.dealing with student loans and tjey say they are not going to report ... they lied ... they harass you, they say they want to help you..but all lies. They misinformed me how the payments would be afforfable.

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: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
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 am victim of identity thief and this company have been ignoring my request of investigation, i have been sent everything need it including a policy report, i been totally ignore by this company. please help me as some accounts that are not mine is been report to my credit report. 

see attached, letters been sent and yet ignore proof of my identity and policy 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 2020-12-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.

Complaint:
An dispute letter was sent on on XX/XX/XXXX and I have not received an respond. It surpassed 30 days and no update so I mailed an second letter to delete XX/XX/XXXX, however the consumer served me court documents XX/XX/XXXX. Clearly they received my updated information because it was on the first dispute letter. This item is to be removed. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Closed. {$1500.00} written off Original Creditor : Balance : {$0.00} Highest Balance : {$1500.00} Explanation of item being disputed : The account/item is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
I have disputed this account a few times, so today I'm filing this complaint because the credit companies failed to remove XXXX XXXX XXXX  XXXX account in order to satisfy Section 611 ( 5 ) ( A ) of the FCRA. I was never provided any verifiable documents that supports company 's claim ; therefore according to the above statue my dispute has merits and should promptly and immediately be deleted. Inwhich XXXX   breach has compromised millions of Americans private information and I'm one of them.

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 2022-07-15
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
I opened a savings account in XX/XX/XXXX for a security deposit for a tenant in the amount of {$1300.00}. i called the bank in XX/XX/XXXX to find out what the balance was and was told it was {$470.00}. i was selling my house so i needed to let the buyers and attorney know how much security deposit should be transferred to the buyers. i went to the bank to find out what happened to the money. i spoke with XXXX XXXX and she called the online research dept from the bank while I was there. i was told the bank records go back 7 years and they have no record of the account beyond seven years and therefore could not tell me what happened to the money. upon the sale of the house i had to give the buyers {$1400.00}, the amt the security deposit should have been for all those years. now Im out {$1000.00} because the bank doesnt know what happened to money. i need to find out what happened to money and how can I get my money back from the bank

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 2017-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.

Complaint:
Navient is incorrectly reporting loan lates. Forbearance/Deferrements were granted in the past, and on my credit reports, I am noticing late payments cited on the following months : XXXX - 90 days late ( Under Forbearance, no payment made, no prior lates noted and suddenly a 90 day late mark, loan was with XXXX XXXX ) XXXX - 120 days late ( Under Forebearance, note, no payment made, in forbearance status, inaccurate reporting, loan was with XXXX XXXX ) XXXX - 120 days late ( Under Forebearance, note, no payment made, in forbearance status, inaccurate reporting, loan was with XXXX XXXX ) XXXX - 120 days late ( Under Forebearance, note, no payment made, in forbearance status, inaccurate reporting, loan was with XXXX XXXX ) XXXX - XXXX - ( No reporting whatsoever, inaccurate reporting ) XXXX - 90 days late ( Under Forebearance, note, no payment made, in forbearance status, inaccurate reporting ) XXXX - 90 days late ( Under Forebearance, note, no payment made, in forbearance status, no prior lates reported, inaccurate reporting ) XXXX - 120 days late ( Under Forebearance, note no payment made, in forbearance status, inaccurate reporting ) XXXX - 150 days late ( Under Forebearance, note no payment made, in forbearance status, inaccurate reporting ) XXXX - 180 days late ( Under Forebearance, note no payment made, in forbearance status, inaccurate reporting ) XXXX - 180 days late ( Under Forebearance, note no payment made, in forbearance status, inaccurate reporting ) XXXX - 180 days late ( Under Forebearance, note no payment made, in forbearance status, inaccurate reporting ) XXXX - XXXX - No loans reported at all XXXX - 90 days late, In Loan Rehab - Inaccurate reporting XXXX - 120 days late, in loan rehab, inaccurate reporting XXXX - 150 days late, in loan rehab, inaccurate reporting XXXX - 180 days late, in loan rehab, inaccurate reporting XXXX - XXXX - Accurately reporting in rehab status XXXX - Present, no loan reporting, current in deferrment, enrolled in school, starting XXXX. Also, inaccurate reporting. 

Due to these countless inaccuracies, I have formally requested in writing from Navient to remove these late marks, and correct these marks that are causing me financial harm. I requested them to initially correct these errors, and was told they had not made any mistakes, and that the FCRA act denies them the ability to make these changes. This is factually incorrect, on multiple levels. 

Please assist me in recovery of the damage this has caused my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I am aware of all my rights, that I have, and which are protected by the Congress under the Fair Credit Reporting Act. The list of accounts below violated my federally consumer rights to privacy and confidentiality under 15 USC 1681 15 U.S.C. 1681 section 602 A states I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 
Delete these accounts immediately according to law.

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 2019-05-03
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: Experian Information Solutions Inc.

Complaint:
I'm constantly finding myself fighting to redeem my identity back. My identity has been compromised and now there's many unauthorized accounts on my report, and the 3 major credit bureaus are continuing to report these accounts without any certified physical documentation. I'm demanding that these accounts be blocked immediately and permanently from my credit data. The accounts are, [ 1 ] XXXXr XXXX   {$4500.00}, [ 2 ] XXXX XXXX  {$680.00}, [ 3 ] XXXX XXXX {$72.00}, [ 4 ]  XXXX XXXX XXXX  {$71.00}, [ 5 ] MXXXX XXXX  {$30.00}, [ 6 ] XXXX XXXX XXXX {$680.00}, [ 7 ] XXXX XXXX XXXX {$140.00}, [ 8 ] US Dept of Education/XXXX {$3800.00}, [ 9 ] XXXX XXXX XXXX, [ 10 ] XXXX XXXX XXXX, [ 11 ] 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 2023-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
On XX/XX/2023, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2023-06-04
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 have requested for the last year to TransUnion to remove the inaccuracies showing on my credit report with no success. Please see below request and information regarding the inaccurate information being reported. 
XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Dear TransUnion, I am writing to dispute the following information that appears on my TransUnion consumer report : Dispute XXXX XXXX XXXX XXXXXXXX XXXX Account # - XXXX Open Account Date Opened- XX/XX/XXXX Balance - {$450.00} I do not recognize the account in question. I have no knowledge of this account or company. Please update and remove this account from my report. 

Dispute XXXX XXXX XXXX XXXX XXXX Account # XXXX Collection Date Opened XX/XX/XXXX Balance- {$2300.00} I have no knowledge of this account or company. Please update and remove this account from my report. 



Dispute XXXX XXXX XXXX  Account # - XXXX Date Opened XX/XX/XXXX Closed/chargeOff/ REVOLVING Balance - {$0.00} Please remove these Charge Off accounts on my report. 

Dispute XXXX XXXX XXXX XXXX Account # - xxxxxxxxxxxxx XXXX Date Opened XX/XX/XXXX Paid/Closed Balance- {$0.00} Please remove these PAID_AND_CLOSED accounts on my report. 

Dispute XXXX XXXX XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX Charged Off Balance - {$500.00} Please remove these Charge Off accounts on my report. 

Dispute XXXX XXXX XXXX XXXX Account # - XXXX Date Opened XX/XX/XXXX Charged Off Balance - {$240.00} Please remove these Charge Off accounts on my report. 


Enclosures : Copy of Driver License Current Bank Statement as Proof of address Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC

Complaint:
I am showing up on my ex-wife 's mortgage that she got after we were divorced on the property that we once we're purchasing together however I have signed off on the property this is a new mortgage for her and her only but my information shows up on the mortgage account it says that the mortgage started XX/XX/XXXX however I am showing up on my ex-wife 's mortgage that she got after we were divorced on a property that we once were purchasing together however I have signed off on the property this is a new mortgage for her and her only but my information shows up on the mortgage account it says that the mortgage started XX/XX/XXXX however my looking at my records she refinanced it in XX/XX/XXXX we have been divorced since XX/XX/XXXX this is really affecting my credit scores my debt to income ratio and causing problems for me to not be able to get a home loan for myself

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
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: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Possible Financial Inc

Complaint:
I apply for a loan in the amount of {$75.00} back on XXXX and I paid it off on time and now its still reporting as a 30 day late payment with XXXX and possible finance said they will remove it off my file and it been a month so far and I send them documents and money orders and paperwork from XXXX XXXX so I technically send {$75.00} twice and this loan is still reporting late as of XX/XX/2021 and I no longer want to borrow from them again

Company response to consumer: Closed with explanation