hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-05-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AXOS FINANCIAL, INC.

Complaint:
I paid off my deceased husband 's loan to Axos Finacial and they finally sent a refund check for the gap insurance but make it out to my deceased husband. He is now off the bank accounts so I can't cash it. Here is the email I sent them a month ago which they have not responded to : Four days ago, I emailed you about this problem, and I have not yet heard back. 

This is a difficult time for me as I am still mourning my husband of XXXX XXXX who I lost last XXXX. I am XXXX XXXX XXXX and navigating all this paperwork is hard for me, particularly when you do not respond in a timely fashion. 

On XX/XX/XXXX, I finally received your refund check for the gap insurance, but it is made out in my husbands name, not mine. He died unexpectedly and did not have a will. When he passed I removed his name from our bank accounts as I understood thats what I was supposed to do ; therefore, I need the check made payable to me. 

Also, I began this process of paying off the loan on XX/XX/XXXX. In the past, I have paid off car loans and bank loans many times and the process has always been that when I call they give me a payoff number that is good for 10 days. After many phone calls and emails on XX/XX/XXXX ( 33 days after I first contacted you ), you provided a payoff amount that you demanded be wired. The amount included a charge for the 33 days of interest that I would not have had to pay if you had responded in a timely manner. I calculate that to be approximately {$500.00}. 

Its upsetting for me to go through this process of selling my husbands truck as it was his pride and joy and he added a lot of custom features, even having a custom canopy built for it. But finances force me to sell it and you are making the process much more trying. Within ten days of the date of this email, I ask you to please respond to me, reissue the check in my name, and refund the interest due me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.

Complaint:
On or around XX/XX/2021. Citibank closed both of my line of credit due to my recent complaint with the cfpb. ( See resolution letter ). 

Im currently disable with social security income. Closing my account because I reach out to the cfpb will be a hardship to my life as I look for an apartment with a section 8 voucher from HUD. 

It is very clear the the account was closed due to readdressing under the 1st Amendment to the Constitution.

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 2022-12-19
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 NUMEROUS 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 items 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 listed below : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I am writing today about a complaint I have with Capital One. Today I had all my checking accounts blocked for activity by the Capital One security department. I called the number XXXX XXXX XXXX XXXX XXXX provided by Capital One to see what was the reason behind locking my accounts up. After talking with several agents a supervisor and a Manager no one was able to tell me why. I was just told it is because of a small business loan I received for SBA.gov. I am still trying to understand why would Capital One lock my checking accounts up for a government-issued loan. All I got were threats on closing my account from an entry-level agent name Breach or something as I could understand him saying his name. I was able to talk to XXXX who is a supervisor he transferred me to after looking for better help. XXXX was great but also unable to answer any questions about what was going on with my checking accounts. I need to know why did Capital One wait 3 months to ask questions about the small business loan deposit. And also why was my account was locked for a government-issued small business loan deposit as stated when the funds were deposited into my account. It is sad to see that we are going through a pandemic, small business is closing, people staving and losing a roof over their head and my checking account is being locked up for a small business loan I received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15
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 have been going back and forth with Amex for over a year now, including numerous communications through CFPB. The unauthorized fraudulent transactions on my account total over {$15000.00} and Amex refuse to address my concerns adequately and rarely call back with the information requested. It is impossible to get information. I called on XX/XX/XXXX and was told XXXX would call me. XXXX eventually left me a voicemail on XX/XX/XXXX. I called back on XX/XX/XXXX and XX/XX/XXXX and was told I would be called back within XXXX hours. this never happened each time. I am at a loss how to get answers to my questions and continue to be shocked by Amex 's unbelievably bad customer service, conflicting information, changing decisions. 

Therefore I require the following : - Confirmation of where this dispute stands. On XX/XX/XXXX, XXXX told me I had been credited one of the disputed amounts and the other was pending. Is this true? Has any of the disputed amount been credited? 

- Contact and address for service of process - Details of the mediation process and costs associated - Details of the arbitration process and costs associated A copy of this has also been sent to my lawyer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.

Complaint:
I am writing to you because you are reporting this collection as an " OPEN ACCOUNT '' which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. 

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 2021-10-01
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: ALLY FINANCIAL INC.

Complaint:
I have contacted Police enforcement, submitted FTC Identity theft affadavitm, called XXXX multiple times, and the furnishers to explain about FRAUDULENT CREDIT INQUIRIES. I have submitted multiple CFPB reports about this problem. My personal information was used without my permission to applications. I demanded these fraudulent inquiries be deleted. I was told by XXXX rep that companies have to respond back to their request in 30 days for inquiries to be deleted but IT HAS BEEN OVER 30 DAYS YET FRAUDULENT INQURIES STILL ON MY XXXX CREDIT REPORT!!! 

1.XXXX  XX/XX/2021 2. Ally financial XX/XX/2021 3. XXXX XXXX XXXX XX/XX/2021 4. XXXX/ XXXX XXXX XXXX XX/XX/2021 XX/XX/2021

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 2020-07-30
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: Experian Information Solutions Inc.

Complaint:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2022-06-10
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: 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,XX/XX/XXXXXXXX XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX, are all unauthorized and 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 response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
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: EQUIFAX, INC.

Complaint:
On XX/XX/21, I reviewed my credit report and became aware that I have been a victim of identity theft. There are several fraudulent accounts on my credit report and I submitted the documentation to each credit bureau ( XXXX, Equifax and XXXX  ) to correct the fraudulent accounts on XX/XX/21. I mailed in a certified letter, signed and a FTC Identity Theft Affidavit to have the fraudulent item ( s ) removed. According the the Fair Credit Reporting Act, Section 611, I have to allow 30 business days for the investigation and then wait for a response. Today is XX/XX/21 and I can see XXXX  has deleted the fraudulent account however, Equifax and XXXX  have not. I have not been notified by mail from either XXXX  or Equifax of their investigation and it is clearly longer than the 30 business days as of today. The tracking number for XXXX  is : USPS : XXXX, Delivered XX/XX/21 and the tracking number for Equifax is USPS : XXXX, Delivered XX/XX/21. I have spent over {$500.00} of my time is mailing disputes and having to take off of work to take care of this matter. I am not submitting a formal complaint to get the expedited help I need to correct this and to also help me so I can take a loan out due to the world wide pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
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 writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2018-05-10
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation

Complaint:
On or around XX/XX/XXXX of last year, I found a collection on my credit report that listed XXXX as the creditor. I called them and they said the debt was originally for a company called XXXX and directed me to them. I got in contact with XXXX who confirmed that the debt was not mine and they referred me back to XXXX. I contact XXXX numerous times with no success. They can't find anything under my social security number and the debt in question is for someone with a different last name ( The last name is my ex-husband 's name but I never took his name or used it ).  XXXX always promises to delete but they don't. I disputed with XXXX   with no success as XXXX said it was valid. This collection is not mine and it is negatively impacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY

Complaint:
On XX/XX/2021, I placed a call to Wells Fargo about unauthorized transactions on my account. I later called on XX/XX/2021 to receive the resolution about the fraudulent charges and they indicated that the claim has been denied, due to response indicators. The responses that the XXXX noted, were not consistent with the answers that I gave the XXXX during the recorded conversation. Wells Fargo has not shown the burden of proof of authorized transactions. The charges are fraudulent and are with a merchant that I have not consented business with. I am not liable for the transactions, therefore, the full amount that has been charged needs to be reimbursed to my account. I have spoken to Wells Fargo about my complaint, but they have not accommodated this issue, leading me to further enforce my legal rights with several other entities. Thanks.

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 2023-08-29
Product: Credit reporting 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 several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$720.00} XXXX XXXX XXXX Balance {$470.00} XXXX XXXX XXXX XXXXXXXX Balance {$740.00} XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX  XXXX Balance : {$420.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance {$260.00} XXXX XXXX XXXXXXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.

Complaint:
There is a XXXX account on my credit report that is reporting incorrect. My credit report is showing three different dates of last activity. All three dates can not be correct. This means that my credit report is not accurate.

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 2018-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.

Complaint:
On XX/XX/XXXX I uploaded on experian.com/XXXX  successfully my dispute letter and credit report to Experian about public records they are reporting by error on my credit report. I also provided them with a copy of my driver 's license with my current address to provide identification. 

I called yesterday XX/XX/XXXX to check on the status of the investigation but the representative said that they had not investigated anything received onXX/XX/XXXX. Experian is suppose to contact the data furnisher of this disputed information within 5 days of a dispute. They did not and this is a violation of the Fair Credit Reporting Act.

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 2021-08-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
I looked over my report and saw inquiries on my credit report that I did not give consent to be on my report. XXXX  is in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
XXXX  doesn't have a court order with jurisdiction or consent from the CONSUMER to place anything on my Credit report. 
I sent a dispute letter certified mail next day and XXXX  still have the following Inquiries and accounts on my credit report. Hurting my credit stopping me from attaining service or goods. several letters where sent out 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 2020-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA

Complaint:
Early in XXXX I acquired the Apple Card through Goldman Sachs. 
Subsequently on XX/XX/20 a {$9.00} charge was placed on the card by Apple for a monthly storage fee. This subscription had, up to this point, been charged to a XXXX XXXX card. At no point did I authorize Apple to switch the charge account for the subscription. 

I called Goldman Sachs to inquire about the charge. I was told I must have approved the transfer of the subscription payments to the Apple Card. I did not do this. 

Apple and Goldman Sachs are committing UDAAP by switching charging accounts without express permission of the cardholder.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC

Complaint:
I have reached out to BMW Financial services multiple times to explain that they are reporting late payments incorrectly on my report. Even though I have requested information on the dates that I paid versus the dates that they received payment, they continue to inconsistently report the late payments across the 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation