hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2018-03-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
I have had a mortgage with Bank of America from XXXX to XX/XX/XXXX XXXX when I paid it off early in full. I have never not once in 13 years missed or been late on a payment. Back in XXXX, I was going to file bankruptcy but changed my mind and did not go to the first court date so it was dismissed that same day its like it never happened. The court has provided me paper work stating so. Bank of America WAS NOT part of the list of creditors I would have paid, had I went through with it. In fact if I were to go through with it I would have to put my house up for collateral therefore I could not claim that debt even if I wanted to. Now all 3 credit bureaus have me defaulting on a XXXX home loan under bankruptcy when I paid it off in full never late XX/XX/XXXX. Bank of America is denying they are reporting me even sent me 2 letters stating they sent this information to all 3 credit bureaus on XX/XX/XXXX and again on XX/XX/XXXX XXXX. I have disputed XXXX, XXXX and XXXX bureaus 2 times to have this taken off and each time they all ( except XXXX took it off finaly ) tell me Bank of America is reporting to them as correct Bankruptcy?? How can this be when they were not part of my dismissed bankruptcy ( all I did was decided not to go through with it and now that's on my credit for 7 years. XXXX money was paid out to zero creditors ) I just called Bank of America Again yesterday and they still are denying they are the ones who are reporting it. Plus they said they had sent in another update stating I have never not once been late or missed a payment. Then today XXXX sends me a letter stating it will remain on my credit because BOA said it's true.How can I get this solved if no one is confessing to reporting it. My last name on my mortgage was XXXX. I have since divorced and it's XXXX on my credit reports. Did someone stop to think this might be a problem causing some if the confusion? But either way I have busted my XXXX and spent hours on repairing it. I feel like neither of these companies have tried very hard or it wouldn't be on there. It's not correct information and Nice way to treat a customer that paid on time and paid the loan off early in FULL. I don't know what to do at this point. Someone is not doing their job or lying to me. I'm thoroughly disgusted how much time and effort I've had to put in trying to get this removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
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. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX Employer : XXXX Date Updated : XX/XX/2015

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 2020-03-17
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:
Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX  US DEPT ED DEPTEDXXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED DEPTEDXXXX XXXX  XXXX XXXX. XXXX   XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED DEPTEDXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2021-05-26
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:
XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX is inaccurate reporting an item on my credit, XXXX TransUnion and XXXX  are allowing this to happen and have continued to disregard my request to validate this account and remove the inaccurate items from my credit report. 

1. Date Opened is listed different on multiple credit bureaus. 

2. This account XXXX Has FCRA Violation. 

3. This account is being RE-AGED FCRA Violation. Date of Last Activity is being RE-AGED every month. 

3 different dates on each credit bureau. 
- Date Open Different on credit bureaus -Date of Last Activity Different on credit bureaus -Date last reported Different on credit bureaus 4. Last reported dated inaccurate. 

5. This account was a Business Account not a Personal Account and is being paced on my credit despite my several attempts to contact XXXX XXXX XXXX and XXXXXXXX XXXX and TransUnion correct and remove this inaccurate info from my credit report. 

6. The Balance is outrageous!! {$16000.00} for 1 months rent?? This is insane!!

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 2018-04-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC

Complaint:
XXXX XXXX XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.

Complaint:
I had a payment due  XXXX / XXXX / 2017 . As of  XXXX , I was sent an email that my payment was not received, and logging into their site I see a late fee was applied. I worked with customer service, who said there 's magically no way to reverse the late fee because computers, and that I must 've paid after the cutoff time. Their site allows a choice of date to apply, which I did for that day. Customer service claims I must 've missed the cutoff time, but gives nothing to back up that claim. I contend that I paid it in time, including the cutoff time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-11
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:
For several months now, I have tried to dispute fraudulent items on my report directly with the bureaus and they continue to report fraudulent information on my report. Law states they have 4 days to block fraudulent accounts. I sent everything they asked for per phone call. I have proof of me sending correspondence to them because I sent them certified mail and I know they received them. They did not fix the errors on my report. PLEASE HELP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-11
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.

Complaint:
I received a letter from Comenity Bank requesting me to call them to finish processing a Kay XXXX credit card account application that I did not initiate. The letter is dated XX/XX/2022. My name is spelled incorrectly on the letter. 

I did not make any attempts to process a credit application with Kay XXXX nor have I at any time. I did not apply for any new credit accounts with Comenity Bank although I have in the past and do have existing active Comenity accounts. I have not attempted to open any new credit accounts with any bank or creditor within the past 3 months. 

This is the second notification I have received about an attempt to open a credit account in my name in XX/XX/2022. The first was reported to me by XXXX XXXX. They notified me that there was a new hard inquiry on my XXXX account from XXXX on XX/XX/2022. I contacted XXXX the following morning and put a freeze on my credit. I also reported this inquiry to the FTC on the morning of XX/XX/2022. 

The letter from Comenity Bank arrived at my house in the mail this week. The letter is dated XX/XX/2022. I have not seen any new accounts on my credit report. I am checking it daily. I have only seen the new hard inquiry from XXXX which I would like to be removed from my credit report as it is a fraudulent inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
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: NAVY FEDERAL CREDIT UNION

Complaint:
There's few unauthorized inquiries on my XXXX XXXX Credit report. I have " NOT '' authorized nor have " ANY '' knowledge of how they are on my report. It's only ( XXXX XXXX ) They're hereby reported as Fraudulent, and needs to be deleted, and to update report. Thank you much! 

The dates and bureau listed : Navy Federal Credit Union XX/XX/XXXX XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
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 is my several attempt to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NV, XXXX, XXXX XXXX XXXX Open Date XX/XX/2016 Balance : {$7200.00}

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 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC.

Complaint:
I opened the custodial checking account with Axos Bank on XX/XX/2021 and tried depositing {$1000.00} check via the mobile app. 

I have been getting rejections twice. After the third attempt, the deposit finally had been " successful '' ( XX/XX/2021 ). Since then, I am still waiting for the funds to show in Available Balances ( it has been 8 business days already ). The money has been taken out from the original bank account, but is not available in Axos account... 

Calling Customer Service does not help. The response is " check is on-hold '', but why? Please help, this bank is terrible. 

Bank Name : Axos Bank Account # : XXXX Name : XXXX XXXX XXXX : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
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: EQUIFAX, INC.

Complaint:
XXXX, equifax and XXXX showing inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY

Complaint:
My account with wells Fargo has been closed since last year of XX/XX/2022 because of an error on theyre behalf with calculations. Last year of XX/XX/2022 I had deposit money into my account, an amount of about {$2000.00} dollars before depositing the amount I had already had money in my account and had purchased flights to XXXX along with hotel stay as well. Once I got to XXXX the money of about roughly {$2000.00} which I believe was a little more than {$2000.00} was put into my account and wells Fargo had charged me twice for everything I admittedly contact custom service and made them aware of what they had done and they reimbursed me the funds. Now those funds didnt right away go directly into my account as you know it takes about 3-5 business days I had to deposit more money into my account as i need money to get around and track my spendings and so I did. At the end of my trip once I got back home Wells Fargo had calculated my spending and everything was deducted properly which left me with a balanced of XXXX dollar not including my reimbursement funds that hasnt reached my account yet at the time. As a week goes by I log on to my account and see that my account was over draft almost XXXX closely to XXXX hundred. Once again I called customer service to explain everything that had happen and this time there was no help what so ever Im fact was given the run around about how the things were calculated and about my reimbursement. I became frustrated because the representative had told me there was nothing she couldnt do and I would have to pay that amount that I was actually suppose to be my money not deducted I got upset and explained to her how Ive been a customs with them for over two years and they should investigate more. But because my account was already under investigation due to my {$2000.00} being deducted twice for payments I had already mad prior to putting that money into my account I had to wait for a response and the reimbursement. I hung up out of anger leaving me with no solution and a month to two months later a closed account. I was highly upset if the lost I took with Wells Fargo that through out the two months I was depressed and stressed because I felt hopeless and left with no options or help. Im making this complaint because hopefully this can help someone else who is currently in my shoes and this would get them the correct solution and justice they deserve.

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 2020-06-02
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Telerecovery Corporation

Complaint:
TeleRecovery of Louisiana was showing on my credit report. I called to inquire about the collection reporting. The representative that answered the phone was very rude to me. I filed a complaint with the Office of the Attorney General of Louisiana. The Attorney General Office took my complaint against the agency. They submitted my complaint to the company, Telercovery of Lousiana. A representative, named XXXX, worked with me to resolved the issue in a professional and ethical manner. However, the company representative was not professional and used an abrasive tone with me when I first made contact to inquire about the debt. However, I paid the debt, and it was removed from my credit file. The general manager, XXXX XXXX XXXX did not reach out to me to obtain my side of the story. She assumed that I did not make sense as she sided with the inexperience representative. She tried to portray me as argumentive in her response. Her response had a lot of grammatical errors that portrays her as unintelligible in her written response to XXXX XXXX XXXX. The company never sent me an itemized bill for debt verification to retain for my personal records. The company did not have the correct address but did have my phone number on file. This was an attempt to collect an old debt, due to COVID-19, which has past the statute of limitations for debt collection. XXXX XXXX XXXX XXXX should be knowledgable about the time frame a debt can be collected. I do think that she and the unnamed representative are unprofessional and lack professional etiquette for effective customer service.

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