hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2020-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
On XXXX XXXX I made a payment of {$400.00} on my Bank of America Credit card. On XXXX XXXX interest charges of {$77.00} was applied to my account. I received a statement and on XXXX XX/XX/2020 I paid the balance in full of {$9700.00} of which the due date was XXXX XXXX. On XXXX XXXX I received a statement with interest due that was applied on XXXX XXXX on a zero balance. No purchases were made on the account from when the last interest charge was made only payments. I contacted the customer service on XXXX XXXX who refused to remove the charge.

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 2020-07-01
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 have a XXXX XXXX  charge card through XXXX XXXX. I have a XXXX   balance and have always paid my entire full balance EARLY each and every month -- well, basically as soon as charges appear on my account. Even though I have a XXXX balance and there are NO BACK-ORDERS they keep reporting that my available credit is only {$350.00} when it should be {$900.00}. 

Attachment 1 - Shows that I have consistently paid my balance off as soon as charges show up on my online account. 

Attachment 2 - Shows the erroneous available credit compared to my credit limit. 

Attachment 3 - Shows my .pdf statement has it correct, but the bank insists that I only have a {$350.00} available credit instead of the TRUTH -- {$900.00}.

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 explanation
Consumer complaint received 2017-07-29
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Ocwen Financial Corporation

Complaint:
My issue involves XXXX XXXX XXXX ; I have previously filed a complaint. I have contacted Ocwen Ombudsman but got a generic response. One thing they continue to ignore is the inaccurate information they are now reporting. The term of the loan is reported as 38 years. This is false. The term was 15 years with a balloon note. This is why they were able to take my home. CFPB recently filed a suit against this company : Case No. XXXX CONSUMER FINANCIAL PROTECTION BUREAU, I want to add any information I can to this suit if possible. If not, I want someone to help me determine if anything can be done. I began trying to go through the modification process in XX/XX/XXXX 2010. They refused me at every turn. First, because I was not in default and had not missed 3 payments. When they received that 3rd payment they sent it back and my nightmare began. They told me that NPV was the reason, or the 31 % rule, they lost paperwork, they stalled and  stalled and then finally sent me a 2 year in-house modification agreement because they said the " investor '' would n't allow this loan to qualify for the HAMP. I made every payment on time and applied for another modification which was turned down. They claimed the loan owner would not allow modification and demanded the balloon payment of {$75000.00}. Help me. Please. ________________

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc.

Complaint:
I signed up with XXXX XXXX XXXX in 2016. I agreed to pay a certain amount and when they started debiting a entirely different amount. I sent emails to the representative that helped me sign up with no reply. I have made multiple calls to XXXX to try to resolve this with no success. This is well documented with XXXX. I was mislead and never given a reason why the premyamount changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX BANK XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$12.00} XXXX XXXX XXXX XXXX Balance : {$69.00} XXXX XXXX XXXXA XXXX Balance : {$100.00} XXXX XXXX XXXX XXXXT XXXX Balance : {$3700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
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:
There are 4 accounts on my credit report that do not belong to me they are not mine I have not applied or used these accounts as well as many inquiries I need these off my credit ASAP1!!!! 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account INQUIRIES Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : US SM BUS ADMIN ODA Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry

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 2017-04-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.

Complaint:
XXXX  representative knowingly lied during a verbal agreement on a recorded phone call. In an attempt to settle this debt I calle d Diversified Consultants t o setup payment arrangements.   The  DCI re p was  XXXX   XXXX . I told  XXXX   XXXX  that I am currently not working, but that I could set up a automatic payment plan of {$20.00} a month to resolve it. Before I gave  XXXX   XXXX  my credit card information I specifically asked him if the account was being sent to the credit reporting agencies.  XXXX   XXXX  stated that as long as I did not default on my payment arrangement, it would not be reported.  2 payments ( 2 months ) into my payment plan I was alerted by my credit monitoring service that DCI  had reported the  XXXX   XXXX   XXXX  account as a unpaid debt. I contacted  XXXX   XXXX  at  DCI t oday to try and resolve the issue, and he stated that he remembered our conversation from 2 months ago in great detail and that he did not say that my account was not going to be reported.  DCI  is refusing to remove the account from the credit reporting agencies, even though the account is paid off.  DCI als o refuses to release/play/share the recorded phone conversation that includes the verbal agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
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 four closed accounts on my credit report that the creditor will NOT remove.

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 2023-06-26
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2017-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.

Complaint:
I pay  my Citi  credit card in full each month.  YTD  I have spent {$38000.00} on their card so I am a pretty good customer and pay the balance in full each month. Today, I tried to use the card and was declined. After calling the company, they told me that my payment was 5 days late and they froze my line. The payment due date was the  XXXX  and today is the  XXXX , which seems like 3 days, not 5. There was no nottation in my statement that the availability would be curtailed at 5 days late and I was only 3 days late to pay - I paid the card in full this afternoon.     I asked that a complaint be filed and also asked how to contact the CFPB.  Citi w as reluctant to file a complaint and the representative told me that the situation had been resolved so no complaint needed to be filed. I protested and they finally agreed to file a complaint but had no information about whether I would be contacted or what the complaints process is.  Thier  representatives were not familiar with the CPFB. Additionally I was given contradictory information from  2  different representatives about crediting  Milage  to my account.     All in all a bad experience and my future business will go to my  XXXX   XXXX  and  XXXX  cards.

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 2021-09-27
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: World Omni Financial Corp.

Complaint:
I LEASED A XXXX  XXXX XXXX THROUGH SOUTHEAST TOYOTA FINANCE ( SETF ). AT LEASE END SETF REFUSED TO PERFORM THE REQUIRED INSPECTION AT MY HOME DUE TO XXXX AND REPEATEDLY REFUSED MY REQUESTS TO BE PRESENT AT THE INSPECTION. THE INSPECTION WAS THOROUGHLY UNSATISFACTORY. I DOCUMENTED THESE PROBLEMS, BUT SETF REPEATEDLY IGNORED THE CONTENT OF MY LETTERS. I AM ATTACHING FIVE DOCUMENTS WHICH DETAIL THE INCOMPETENCE OF THE INSPECTION AND OTHER ASPECTS OF THEIR DEPLORABLE BUSINESS PRACTICES. I PAID THE CHARGES I BELIEVED WERE JUSTIFIED. SETF RESPONDED BY CONTINUING TO BILL FOR THE UNSATISFACTORY CHARGES WHILE NEVER ADDRESSING THE SPECIFIC INSPECTION REPORT ERRORS. SETF FINALLY DECIDED TO CHARGE OFF THE DISPUTED CHARGES, BUT DID IT IN A WAY WHICH DAMAGED MY AND MY WIFE XXXX 'S CREDIT RATING. THEIR INCOMPETENCE AND UNFAIR BUSINESS PRACTICES SHOULD NOT BE PERMITTED TO DAMAGE MY CREDIT RATING. I BELIEVE I FULLY AND FAIRLY MET MY OBLIGATIONS TO THEM AS I HAD DONE WITH THREE PRIOR LEASES WITH THEM. THEY RESPONDED BY IGNORING ME AND DAMAGING MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Block, Inc.

Complaint:
Cash app closed my account and took away my card for no reason at all. They will not tell me why they closed account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.

Complaint:
All Requested documentations to verify alleged debt were not delivered and they refuse to comply by not delivering all requested documentations it has been sixty days under the law they must delete thirty after not complying with my request

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.

Complaint:
On XX/XX/ I spoke with representative at Ally Financial regarding my past due balance and future payments. My vehicle was under review for repossession and I aware that a payment was needed immediately. I advised the representative I made a payment of XXXX earlier in the week to show my effort to make payments and continue weekly since my job pays weekly and we are due for overtime since our production is going up. I advised I would make payments weekly now to catch up and get the balance back to current. She advised to make an additional payment of XXXX to avoid possibly having my vehicle repossessed. I agreed to do so the following day and she stated she would note the account. The following morning before I could go to work, my vehicle was dragged out of my driveway by XXXX XXXX which Ive experienced very rude service through the operator or dispatch. I felt violated and lied to. I was truly blindsided by this event which also caused me to miss days at work. Ally financial has truly lost their trust as an institution to finance my vehicle and I look forward to refinancing with a bank Ive had a relationship for many years now.

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 2022-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Atlanticus Services Corporation

Complaint:
I called to add my cc to XXXX XXXX  and change my number, without sending any alerts they blocked my zero balance card and asked for a copy of my drivers license. I did it and then they asked for a utility bill. I asked them to close my account they after giving me a lot of delays they did and said theyll send my positive balance by check. I asked for the annual fee to be prorated. They said no you already paid for it. Please help the American consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-20
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:
Hello, my name is XXXX XXXX and I sent letters to all the credit bureaus over 45 days ago about inaccurate information on my credit report. I haven't received any information or letters from any of the credit bureaus.

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 2022-07-14
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 non-monetary relief
Consumer complaint received 2020-03-31
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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
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:
This is regarding the Equifax data leak that occurred in XXXX 2017. The fact that I, along with over half of my fellow Americans, have had my identity stolen that can be used either now or in the future leaves a high amount of uncertainty of my financial records and credit. I demand consequences to Equifax and the executives responsible for this, as well as security on future data and personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
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:
TransUnion is Reporting a Inconsistency account XXXX XXXX XXXX account number XXXX, That not consistent with XXXX nor XXXX report TransUnion has reported that the date opened on this account was on XXXX XXXX has reported Date opened on this same account is XXXX TransUnion has reported that this account type is a revolving account type XXXX is Reporting account type as Credit Card account type. Transunion has reported that the date closed on this account is XXXX and XXXX has reported that date closed on this account is XX/XX/2018, XXXX has reported date closed is XX/XX/2018, Transunion also have the account number listed as XXXX and XXXX has listed the account number as XXXX These are Inconsistent Inaccurate reporting on my credit report and is a violation of the FCRA. I have downloaded proof of this on the CFPB portal.

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 2023-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Creditor : XXXX XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account. 

Creditor : XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  ), Account : XXXX Reason : Delete this unverified and inaccurate account. 

Creditor : XXXX XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account. 

Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account. 

Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account. 

Creditor : XXXX XXXX XXXXN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account. 

Creditor : XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account. 

Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account. 

Creditor : XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account. 

Creditor : XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account. 

Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate 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 non-monetary relief
Consumer complaint received 2022-01-03
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: EQUIFAX, INC.

Complaint:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.

Complaint:
I wrote a check to a payee and mailed it to the payee on XX/XX/XXXX, the check was cleared on XX/XX/XXXX. The payee informed me on XX/XX/XXXX that he never received the check. We submitted a request to Chase bank regarding the lost check on XX/XX/XXXX but as of XX/XX/XXXX we are being told every time we called the bank to check on status that the clearing bank XXXX XXXX XXXX XXXX XXXX has not responded to the request.

Company response to consumer: Closed with explanation