hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2020-05-11
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.

Complaint:
I had a XXXX credit card issued by Comenity bank ( are they even a bank? ) with a {$2500.00} credit limit. 
I had not used the card since I made an initial purchase in XXXX. It was paid off within 90 days or less. 
XXXX closed this account XX/XX/XXXX and reported it to the credit reporting agencies XX/XX/XXXX. 
I received an email alert to this activity on or around XX/XX/XXXX and immediately called Comenity. I spoke to their representative, XXXX ( ee # XXXX ) and requested they reverse the closure. Her first advise was to reapply. That of course was as stupid a suggestion as I've heard. I did not take it. She then stated she would contact her supervisor and request a reopening. I was to hear in " a day or two ''. I never heard back. 
I called a second rep the day after ( XXXX, XXXX ) who directed me to my online account. I gave Comenity more information online than they deserved but assumed since I was able to get online with the same account number and update all the information they wanted ( extra phone numbers, etc. ) perhaps the account had been reinstated. To reinforce that I did not want to reapply and hit the XXXX XXXX again, I sent another request to reopen my account via Comenity 's " secure message service ''. Their email reply XX/XX/XXXX directed me back to my online account and the gist of the response was " since my account had been closed so long ago '' I would have to reapply. ( of course, I will not do that ). 
I recognize that during this Pandemic Shutdown minutes, hours, days, and weeks seem endless but am I the only one with a calender and the ability to count? The account was closed XXXX, reported XXXX, I requested a reversal XXXX, email exchange began XXXX, my last communication with them was today XXXX. I think that's a total of 22 days. In what world is that too long a time period to reopen, reverse the closure of an account? 
The impact to my credit score was more than 30 points as I don't  carry a large amount of credit ; no mortgage, no car payment. It went from XXXX to XXXX. 
In the grand scheme of what's happening to the American citizen this is perhaps minor. But as a single woman, aging at a rapid pace, subjected to all the indignities that go along with being single and female in this world, I just wonder how many others are paying attention to what these no name banks are doing to people? However minor, one should not take a hit to their credit because the don't shop enough at a particular store. Thanks for your time and any effort you can give to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
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:
FCRA and FTC ISSUES Unauthorized credit inquires - XX/XX/XXXX and XX/XX/2020 ... credit inquiries without my written approval - XX/XX/XXXX ... XXXX XXXX XXXX XXXX XXXX. Only authorized XXXX XXXX   XXXX  XXXX, TX

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 2022-06-06
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: EQUIFAX, INC.

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Ditech Financial LLC

Complaint:
XXXX was my mortgage servicer during chap XXXX bankruptcy and that loan was reported written off in XX/XX/XXXX & included in Judge 's discharge. Correct. Ditech buys mortgage in XX/XX/XXXX and also reports chap XXXX write off duplicately reporting and not showing any payment history in spite of reporting loan open date of XX/XX/XXXX where there involvement did n't start until XX/XX/XXXX. They were paid on time 100 %, No short sales, No foreclosure, and received over {$340000.00} in on time payments. At least 12 requests complete with bankruptcy, XXXX XXXX, and FCRA documents and continues to DUPLICATELY report write off on both XXXX & Ditech accounts of {$310000.00} each. Financially hurt by credit score resulting in new mortgage rate of +.6 % over 30 years, and increase of {$1700.00} in closing costs. Very expensive mistake Ditech refuses to correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
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: EQUIFAX, INC.

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need this account deleted or updated.

This is the item I demanding to be deleted immediately : This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my public record

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: In progress
Consumer complaint received 2021-11-23
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: JPMORGAN CHASE & CO.

Complaint:
Because of the Covid pandemic I got behind on my monthly payments. Prior to the Pandemic I had a perfect payment history. I was enrolled in a payment program for Chase Bank. I was told that after making XXXX payments of {$310.00} that my account would be back in good standing and could be reinstated. I made the XXXX payments and brought my account into good standing and received a letter from Chase stating that my account was back in good standing. 

My account has not been reinstated nor was I notified of such. I reached out to Chase cusomter service to correct the issue. I spoke with XXXX ( ID # XXXX ) on XXXX and was told a supervisor would call me back. XXXX ( # XXXX ) called me on XXXX and told me she would review the case and get back to me on XXXX. No one called me back. 

On XXXX I called to make my monthly payment of {$220.00} and to inquire on reistating my account. I spoke with XXXX and he referred my to XXXX  ( # XXXX ). He sent me to XXXX ( # XXXX ). XXXX told me that someone did try to call me back although I never receive any voice messages He also stated that there was no record of anyone telling me that my account would not be reinstated. So I am filing this complaint to implore Chase to do the right thing. I have done everything they asked in good faith, now I accept the same in return.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or delete them immediately in my 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

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 2016-06-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.

Complaint:
This account was on autopay. There should be no balance on the sccount. Was not aware of the balance until it went to collections. Need this removed immeduately and if they prove that i have not paid it, i will pay it. I moved in XXXX 2015 and have not had XXXX since.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
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:
I have sent the following three credit reporting companies a letter disputing the accuracy and asking them to verify an inquiry on my credit report back on XX/XX/XXXX. I asked them also to block and delete this account because of identity fraud and the lack of accuracy. They have responded by saying that XXXX XXXX verified the account with accuracy when that is not the facts. So I again have a few questions about those inquiries. Is it true that in order to pull someones credit report, you need a permissible purpose to do so? If that is the case, then why did the companies XXXX, XXXX, and Equifax pull my credit without my authorization? 

The XXXX XXXX Account XXXX reports different when looking at the other two credit reporting companies. XXXX  shows paid when looking at the account status, XXXX  shows that it is closed and Equifax shows paid. To me, it does not seem to THAT XXXX  XXXX  nor Equifax verified this account with maximum accuracy. Also nor have I consent, authorize, or benefited from the credit. This my second time corresponding with them in an attempt to resolve this matter because the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. To date, the financial injuries are the cause of unauthorized inquiries. It affects my ability to attain credit from chase because of their XX/XX/XXXX rule. Due to identity theft in this matter and lack of accuracy of the information and verification. The three credit reporting companies have not enlisted within my profile that the inquiry has been disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Frontline Asset Strategies, LLC

Complaint:
I HAVE RECIEVED NUMEROUS NOTIFICATIONS ABOUT A PHONE ACCOUNT THAT IS NOT MINE. I HAVE CONTACTED XXXX WHICH WAS NOW XXXX XXXX XXXX THAT IS IN CHARGE OF THE DEBT COLLECTION. AFTER DISPUTING WITH XXXX XXXX XXXX THEY WERE NOT ABLE TO PROVE IT WAS MY ACCOUNT. I HAVE ASKED FOR CONTRACTS BINDING BOTH PARTIES, ANY SIGNED INVOICES IN WHICH SHOWS I IN FACT SIGNED FOR THE OPENED ACCOUNT, AND GIVEN MY AUTHORIZATION. NONE OF MY REQUEST HAVE BEEN GRANTED EXCEPT THE FACT THAT I WAS SENT INVOICES THAT ONLY SHOWS MY NAME THAT IS INCORRECT, AND AN ADDRESS THAT SHOWS THE BILLS WERE BEING SENT TO THAT I HAVE NEVER LIVED AT IN MY LIFE. 
NOW THIS COMPANY FRONTLINE AS WITH ACCOUNT # XXXX IS TRYING TO DO THE SAME THING AS THE PREVIOUS TWO COLLECTION COMPANIES. 
AGAIN THIS ACCOUNT IS NOT MINE, IT WAS NOT OPEEND BY ME. AGAIN, SEND ME THE ORIGINAL CONTRACTS BINDING BOTH PARTIES, ANY SIGNED INVOICES IN WHICH SHOWS I IN FACT SIGNED FOR THE OPENED ACCOUNT, AND GIVEN MY AUTHORIZATION. AGAIN, I WILL ATTACH MY IDENTITY THEFT REPORT. IF DOCUMENTS ARE NOT BEING PROVIDED, DELETE THE COLLECTION ACCOUNT FROM ALL CREDIT BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.

Complaint:
My daughter received a debt collection letter from Convergent Outsourcing IncXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Wash., XXXX - phone XXXX This company said my daughter owed {$49.00} and the account was placed with them for collection. But Convergent refuses to tell us the alleged merchant or company who is owed the {$49.00}. We have no bank, credit card or XXXX records of any transactions for {$49.00}, so this is a scam. 

They did eventually give us a phone number of the company and it was XXXX 's phone number. This makes no sense because you have to have a credit card or bank account connected to a XXXX account, so a XXXX account can't be past due. Convergent Outsourcing is a scam. 

I've contacted Convergent but they are unwilling to expunge this. Please look into Convergent. As I said, this is a scam. XXXX  has no record of accounts past due so they are trying to collect on a bogus claim. So there's nothing past due. Convergent Outsourcing made this up to try to rip us off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
This dispute with XXXX has been ongoing since XX/XX/2022. It took extremely longer than 30 days for anything to be addressed which is the catalyst to why improper reporting even took place. After initiation of the dispute my account was closed. This created difficulty submitting requested docs via the portal and accessing their responses as XXXX suspends consumer online accounts as a result of account closures. I have proof that telephone correspondence was to no avail even after getting multiple XXXX 's representatives recorded, admitting to the dispute mishandling and promising to correct the inaccurate reporting, no accountability has been taken. XXXX refuses to stand behind a multitude of their trained staff. 

As of recent, the XXXX XXXX XXXX XXXX XXXX has been handling this matter. They have sent out two notices. One admitting that they feel the XXXX host still deserves the right to be paid despite illegally recording, my family of XXXX including XXXX minor children in the XXXX, which is against XXXX and Fair Housing policies. They also sent out a second letter acknowledging that I was led to believe corrections would be made to the account that they now refuse to honor. 

They only thing they've honored is removing the late fees from XXXX XXXX. However, if you deem that the late fees should be reversed due to the account being in dispute this whole time, why don't you agree that my credit report ( which has a way larger impact ) shouldn't reflect the same? 

Instead, they are sharing inaccurate information that is no longer reflecting on their side and I DO NOT CONSENT TO THAT INFORMATION BEING SHARED. They keep adding remarks to my credit report without my request when everything should be removed. They are aware of the multiple recordings that I have from XXXX, XXXX, XXXX, XXXX, XXXX, etc that all have said that my account should not be in that status during dispute and the negative reporting should not have been made. Yet, they will act as-if they are doing the consumer a favor by reversing fees that shouldn't have been imposed while their life is falling apart due to inaccurate and unfair credit reporting. 

I will be pursing XXXX for the damages their actions alone have caused as many other creditors have retaliated as a result of their claims despite my due diligences and efforts.

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 2018-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.

Complaint:
On XX/XX/2018 I called my Bank CHASE to ask regarding the impact my pending transactions would have on my available balance displayed on the Bank App. I was told my pending transactions were already deducted from my account and even though the transactions show as pending they had already been debited from my balance. On XX/XX/2018 I checked my account balance on the App, to which my surprise was overdrawn. I proceeded to call the bank as I spoke to 2 different representatives and one supervisor I was given a different answer regarding pending transactions. Once you pay for services the bank takes the money out for the merchant to charge and even though the transactions show as pending If the merchant does not take the money out within 3 days the bank will put the money back into the account and the merchant is free to charge any time is convenient to them. Every time I have called including today XX/XX/2018, I have been giving different information and I was that even when is not technically my fault the bank will still charge a total of {$35.00} per transaction and the bank has only accepted to reverse one fee and will not reverse 2 more fees of {$35.00} each. The bank has charged multiple times for transactions that were charged by the merchants on the same dates XX/XX/2018. The bank representatives and supervisors I have spoken todo accept I am not at fault for these misinformation that has caused my account to be overdrawn but as I was told by the last supervisor " She couldn't do anything for me, that I should manually calculate my transaction. And that she was limited to do find a solution for this issue ''. The last supervisor I spoke to sent an email and my phone number to the previous supervisor I spoke to but she did not receive a response. I have been a customer of the bank for years and this has become a recent issue with my account which I have always kept with a good standing balance, not long ago I was also an employee at this financial institution and several customers would visit the branch to complaint about this very same situation. A lot of information is not being disclosed to the customers and money is being taken from accounts without previous warnings. 
I have also experienced not receiving cellphone alerts, delayed or no alerts whatsoever even though I have signed up for those alerts. Please help me resolve this situation. 
Best Regards, XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief