hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2018-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY

Complaint:
Am an american express membership rewards member. Upon attempting to transfer points to XXXX XXXX  on saturday XX/XX/2018, the following message was received : " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' Called customer service same day, which did not resolve the issue. Could not give a time frame of resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HANCOCK WHITNEY BANK

Complaint:
Midsouth bank closed my account and only said I wasnt the kind of person they do business with and even though I offered to prove the legitimacy of any funds they didnt care. They gave me a cashiers check that they put a hold on later and have me with no money to my name. When I first went to the bank to ask why it was being closed I tried to record a conversation only to be threatened by the teller that they would call the police. I told them it wasnt right to treat customers that way and that I would let ppl know how wrong Ive been done and not to do business with them. In response they have now said I have threatened the teller and are using their power against me based on complete falsehoods. It is wrong to treat ppl like that

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
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: EQUIFAX, INC.

Complaint:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$53000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
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: AMERICAN EXPRESS COMPANY

Complaint:
I used the XXXX link on the home page of my church to pay my XXXX, unfortunately the payment was sent to a non church organization. After contacting American Express and XXXX in XXXX, XXXX reversed the charged on my credit card. American Express denied the credit adjustment and recharge me, when I called them the same night I discovered the charged. When I filed a dispute with American Express, the closed the case and left the {$800.00} charge on my account after indicating that the issue would be resolved. It is now XX/XX/2020 and the issue still is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pinnacle Credit Services, LLC

Complaint:
In XX/XX/XXXX, I defaulted on my auto loan, held with XXXX XXXX. A few years later ( XX/XX/XXXX ), I decided to purchase a home. At that time, I had to satisfy the debt in order to obtain a mortgage. At that point the debt was held by Pinnacle Credit Services and was represented by XXXX XXXX XXXX. I have cancelled check and satisfaction letter from XXXX XXXX XXXX to prove the debt was satisfied. However, the original lien holder, XXXX XXXX, was not listed on any of the documentation ... only Pinnacle was listed. XXXX XXXX XXXX closed the account and sent it back to Pinnacle and they claim they reported it as paid. Pinnacle then re-sold the debt a year later to XXXX XXXX XXXX. XXXX XXXX XXXX, represented by XXXX XXXX XXXX sued me in court for the same debt that I already satisfied. I contacted all three companies to get them to communicate that I paid it. I even sent satisfaction letter to XXXX 's Attorneys, XXXX XXXX XXXX. They still proceeded with the judgment hearing even though I tried to clear it up before it went to court. I could not attend the judgment hearing because of my schedule and the judgment was filed against me. I have contacted Pinnacle Credit and they will not let me speak to a manager or compliance department as they claim they only buy and sell debt. They violated the Fair Debt Collection Practices Act by re-selling a debt I settled on. I have contacted an attorney about trying to get the judgment vacated locally but the paperwork I have says I paid off Pinnacle Credit, not XXXX XXXX. I have an excellent paper trail, including an old credit report which affiliates the XXXX XXXX debt with Pinnacle at that time. I am being haunted by a debt that is not only 15 years old, but a debt that I satisfied and this is very frustrating for me. Now, a new debt collector has purchased this debt, XXXX XXXX XXXX XXXX. The debt automatically becomes a lien on my home and that is very upsetting as well. I would be extremely grateful if anyone can help me with this. As I understand it, Pinnacle Credit has been banned from collecting debts by the FTC, I think I understand why. Is there anything I can do to resolve this? I contacted Pinnacle Credit Services numerous times to resolve this issue and they are unresponsive. They will not let me speak to a manager or compliance department. They will only tell me they sold the debt and are not responsible. I will also be contacting the Attorney General in my state and am considering suing Pinnacle Credit Services in State Court if it must come to that. I will not rest until this matter is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.

Complaint:
There are XXXX inquires from CITI listed on my credit file which I have NOT applied for credit. I would like to know why? This is fraud and I want the inquires 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 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2018 XXXX XXXX Balance : {$770.00} XXXX XXXXXXXX Balance : {$690.00} XXXX XXXX Balance : {$750.00} XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2018 XXXXXXXX XXXX XXXX Balance : {$750.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : $ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
In accordance with the Fair Credit Reporting act XXXX  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 2018-09-22
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Secured Resolutions, LLC

Complaint:
Yesterday XX/XX/18 I was utterly humiliated. XXXX at Secured Resolution ( XXXX ) called by office. 
Due to the nature of my employment I am a XXXX  and answered by phone call on speaker phone where I was XXXX an employee on how to handle XXXX XXXX. 
XXXX asked for me by name. I intentionally didnt not confirm by name but instead I asked who was calling. At this point I kept the phone on speaker phone thinking this call might have been a contractor calling that needed to be transferred to another department. 
XXXX then proceeded to tell me that I have an open bill and with XXXX XXXX. Now my entire office knows I am in debt and since the XXXX XXXX is a very popular XXXX XXXX by entire office knows I was pursuing XXXX XXXX. This is something deeply personal to me and that I did not want shared. It was so embarrassing. 
I quickly asked XXXX to call me on personal phone ( which should have been attempted first ). I confirmed my personal telephone number then XXXX continued to the mini Miranda. I had to hand up the phone on XXXX because I was at work doing by job. The Mini Miranda is supposed to be said before disclosing information. 
TO be honest I probably have a lawsuit on my hand : 1. I did not confirm who I am before Secured Resolution disclosed I have a debt 2. My personal number was not attempted before my work line 3. Personal information was divulged before giving the mini Miranda 4. Even after I told XXXX that he will have to call me on personal number he still persisted to continue disclosing 5. And if I had to guess XXXX did not remove my work number 6. Now Im in a very uncomfortable situation in my place of work due to the nature of this debt being disclosed.

What I would like to see : 1. My work telephone number removed 2. The employee need to be removed from his position or put through a training program 3. I should receive an apology letter 4. As an apology I believe Secured Resolution should take of these debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
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:
Ive contacted the company numerous times with no resolution on a XXXX XXXX account. This account is fraudulent. I have also Contacted all Three credit bureaus and only experian has responded and stated to me to contact the company. 

I have yet to receive a response from XXXX  and XXXX  on this matter

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 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.

Complaint:
I am writing this complaint in regards to disputes that were sent over 45 days ago regarding inaccurate and erroneous information reporting on my credit file. These disputes were sent to XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. 

They all have failed to respond and comply with my request under the FDCPA and FCRA laws. I am very disappointed at their lack of effort to investigate this matter. I understand and are aware of my rights to request another investigation, however I do not have another 30 days to spare for investigative results. 

I am in the process of moving, and I have to find a place within two weeks and this is really affecting my ability to get approved for a home loan and even a rental apartment. 

If you can expedite this request to look into this matter for me, I would really appreciate it. 

Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
i have disputed with you many times inaccurate information and unverified that is holding me back from getting a new vehicle

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 2022-07-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION

Complaint:
I need help paying my car loan for several months before I find a new job. My family is in financial crisis. This car shouldn't be worth that much, but because I need a vehicle to get around, I bought it regardless. I accept to pay the seller for XXXX in XXXX but this car is XXXX. While my friend bought it for XXXX last years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
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 have sent in numerous times the official document to prove my residency! I have not resided at XXXX XXXX XXXX XXXX, XXXX, ohio XXXX. There is 8 accounts on my experian that is attached to that address. Official proof of residency documents can be : Current official document with your name and address This information can come from a number of documents, but is necessary to proving where you live. A utility bill, credit card statement, lease agreement or mortgage statement will all work to prove residency. I have sent in XXXX XXXX file showing that address is not on my file. XXXX XXXX XXXX XXXX, XXXX, ohio XXXX has been deleted from XXXX XXXX for over a year. I sent experian that information a long time ago. I have sent in my passport, credit card statements, social security card, police report, and ftc affidavit and experian refuse to remove this erroneous address and the accounts that is connected with that address. The accounts connected to that address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and fingerhut. Experian " verify '' was a LIE! The information was not verified! E-oscar is not verifying with the original creditor! I have reached out to legal assistance. I will be sending a copy of this complaint to the CEO of experian ( XXXX XXXX ). A consumer definitely should not have to go through this ridiculous measure when information is mixed up with another consumer. Punitive damages will be sought if this is not resolved asap! experian has all the documentation that I have sent prior to this complaint! do not send me another pre-made generated letter stating the erroneous accounts is verified!

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 2022-12-04
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 constantly check my credit report, I noticed that the errors and misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 percent correct. This has damaged and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these 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 non-monetary relief
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
This company is reporting inaccurate information on all 3 of my credit reports. I have not been able to resolve this issue with this company. This company has failed to validate this debt. They only re aged the account. I do not have any contract with this company and never did. The debt that they are falsely reporting was paid to the original creditor. I have proof that this debt was paid. I have never had a debt with this company. This has tremendously affected me with finding housing and a job. I have been going to house to house because I can't get approved because of this false debt. I would like this account XXXX {$1100.00} to be removed immediately from all of my credit reports.

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 2023-08-30
Product: Credit reporting 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 UNAUTHORIZED and FRAUDULENT inquiries on my credit report ( XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX ). I am not the one who initiated these inquiries. I am submitting a complaint regarding these inquiries and for assistance to REMOVE them from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.

Complaint:
I had some hard inquiries on my credit. Some of them were not warranted and I disputed to equifax to remove them. After that happened around XXXX XXXX, I checked and saw my XXXX report only showed 1 credit inquiry instead of 4. Previously before the dispute I had 4 on each report. Because of this, I though everything was cleared up. Then I checked my Equifax recently and noticed that there were still 4 inquiries on my report for Equifax but XXXX is still cleared up with just one.

I'm confused as to why it would clear up my XXXX report but not my Equifax report when Equifax  was the one I disputed with anyways?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Outsource Group, Inc

Complaint:
Please forward the information to MEDICREDIT , INC . Thanks!

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

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

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 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint:
XXXX XXXX  XXXX XXXX XXXX XXXX is report incorrect information on my credit. Including recently updating my credit file to reflect incorrect information.

Company response to consumer: Closed with explanation