hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2021-07-08
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP

Complaint:
I paid off the lease on XX/XX/XXXX. 
I live in an Electronic Lien and Title state where this should have been electronically processed with the North Carolina DMV immediately - yet they have yet to receive any notification that the loan has been paid off. In the DMV records, they sent the paper title to US Bank in XXXX at the initiation of the lease and it is still marked as 'leased '. 
I have spoken with many different departments at US Bank over the course of the months requesting that the ELT process be redone - to which they said that was impossible. 
Then US Bank said they would send out a notarized Release of Lien to enable me to get the car titled in my name at the DMV yet as of today, XX/XX/XXXX - I have not received that. US Bank is unable to give me any tracking information on this document though they said they sent it on XX/XX/XXXX to my current address. 
When I speak to them they are unwilling to reinitiate and send in a trackable format. Each department sends me to a different department, saying they will " look into it. '' I feel like they have effectively stolen the car from me. I paid them, yet I have no proof I own the car so I can not sell the car - which I need to do 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 explanation
Consumer complaint received 2018-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
Experian has been advised repeatedly since the end of XX/XX/XXXX my XXXX credit card is a Closed account. XXXX has told me and written to myself and Exprian the account is closed and has been close for over 2 years. When the FACT the account is closed not open is pointed out Exprian only updates my outstantding balance owing never corrects the STATUS TO REFLECT MY ACCOUNT IS NOW CLOSED. This error is affecting my credit score because it looks like I am using more credit than I have access too raising the % of usage to over 30 %. The reality is I am using less than 10 %. Exprian refuses to accurately report the XXXX card as a closed credit account. They report status as open per a report date of XX/XX/XXXX ignoring the repeated reports the account as closed since the alleged report date of XX/XX/XXXX. Please see letter from XXXX on XX/XX/XXXX clearly reporting account CLOSED. The attached documents demonstrate it is EXPRIAN that is refusing to report my credit accurately. I have noted on attachment the proof and false reporting by Exprian. Please help me get Experian to accurately report my credit instead of ignoring current status as requested and reported to date by me and my creditor. Thank you.

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 2021-01-25
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:
I am a victim of identity theft. The thief [ made a fraudulent transaction/opened a fraudulent account ] in my name with your company. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me copies of business records relating to the fraudulent [ transaction/account ] identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic.

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 2017-12-01
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: Experian Information Solutions Inc.

Complaint:
On XXXX XXXX, 2017, my account was paid in full to XXXX XXXX ( City of XXXX ) and I was told by an associate that the collection will be deleted from all 3 credit bureau reports once paid in full. Experian deleted the collection the next day. Now, the collection is back on my report and I was not given the 5 day notice required by law before a collection is reinserted under the same name. Also, on XX/XX/XXXX, I received a voicemail from XXXX from the City of XXXX stating to give her a call back. She claimed in the response that we spoke and resolved the issue but Ive not spoken with her at all. I received the voicemail well after the collection was deleted, not before. So she lied.

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: 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:
Greetings, I have initiated a multiple disputes with EQUIFAX over the past few months to remove unauthorized/unknown Inquiries that they have failed to fully validated that I initiated. It has been well over the 30 days given for EQUIFAX to respond with validated proof to delete these inquiries per the Fair Credit Reporting Act. I have provided all requested documents to EQUIFAX including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditors but they have also fail to fully validate these unauthorized/unknown Inquiries belongs to me aswell. Below are the reporting Inquiries that should be REMOVED / DELETED from my EQUIFAX credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Inquiries : 1 ) XXXX/XXXX - Date Filed : XX/XX/XXXX 2 ) XXXX XXXX   - Date Filed : XX/XX/XXXX 6 ) XXXX XXXX - Date Filed : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-16
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: WELLS FARGO & COMPANY

Complaint:
On XX/XX/2019 I received a letter from wells fargo fraud dept. notifying me there were possible fraud activities on my account and to call them. When I called they notified me that there were {$2500.00} in cash advances taken out on my credit card in CA. I live in Ohio. There were also charges of {$50.00} each of two item transfers. There must have been some other fees because the total balance was {$2600.00}. I told them to immediately close those accounts.

Shortly after that I received two checks from Wells Fargo. One was for {$1200.00} the other one was {$71.00}. Attached to the check was a note stating that I had not fulfilled my obligation to Wells Fargo. 

Due to the fact that when I called the fraud department several times and they refused to give me any information on the account, I am assuming that the money they sent me was from the accounts that were opened that not been used by whoever opened at the accounts. 

On XX/XX/XXXX I received a letter from Wells Fargo stating that because I closed that account they can not reverse the online transfer. Therefore, there will be no adjustment made to my bill and the claim is now closed. 

I have now closed all of my accounts with wells fargo including the new credit card they sent me because of the fraudulent charges on the old card. According to this letter they are holding me responsible for {$2600.00} for all of the fraudulent charges that were made on my credit card account. 

Wells Fargo notified me that there were fraudulent charges on my account while before I even received a bill for them. I had not used this credit card for at least over a year. After them notifying me there was fraudulent activity I received the monthly statement proving that they were correct in telling me that there was fraudulent activity. Obviously, the bank realizes that I did not make these charges but yet are putting them on my bill and making me pay for them. 

When I closed those accounts I was not notified that this would affect the fraud claim. The reason I closed those accounts was because I was afraid there would be more fraudulent activity.

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 monetary relief
Consumer complaint received 2022-11-29
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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES

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 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
I called the 3 Credit Bureaus after I purchased a credit report with IdentityIQ on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were erroneous accounts on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate the accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hope that this account will be corrected. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
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: EQUIFAX, INC.

Complaint:
remove it : fcra violations : LAW OFFICES XXXX XXXX creditor : XXXX XXXX XXXX XXXX {$670.00} Balance updated XX/XX/XXXX Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$670.00} {$670.00} Payment Info Original balance {$670.00} Balance {$670.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments - Your statements - Contact XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$420.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX - Closed 5 late payments Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Secured Loan Balance on XX/XX/XXXX Loan Amount - {$12000.00} XXXX XXXXXXXX BANK NA {$1300.00} Closed 10 late payments Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit {$1300.00} {$1200.00} Payment Info Status 30, 60, or 90 days past due date, was past due 120 days or more Status date XX/XX/XXXX Past due amount {$180.00} Highest balance {$1600.00} Monthly payment {$70.00} Late payments XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXView more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 3 late payments {$1100.00} Balance updated XX/XX/XXXX Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Charge Card Usage : 47 % Balance on XX/XX/XXXX Credit Limit {$1100.00} {$2500.00} XXXX XXXX BANK USA N 7 late payments {$460.00} Balance updated XXXX XXXX, XXXX Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Credit Card Usage : 92 % Balance on XXXX XXXX, XXXX Credit Limit {$460.00} {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I disputed a collection on my credit report on XX/XX/XXXX. A company name XXXX XXXX XXXX stated i owed them {$7000.00}. The account was removed sometime between XX/XX/XXXX and XX/XX/XXXX. Today XX/XX/XXXX a new company for the same debt was readded back to my credit report. No letters sent to me stating why.

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 2022-03-18
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 — Problem with personal statement of dispute
Company: DISCOVER BANK

Complaint:
Pursuant to 15 U.S. Code 1666b ( a ) - Timing of payments you are in violation of this section.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.

Complaint:
On or around  XXXX   XXXX ,  XXXX  I was notified by Bank  XXXX   XXXX  that Experian had posted a collection notice to  XXXX   XXXX  for a medical bill from  XXXX   XXXX  from  XXXX   XXXX  who has since closed   XXXX   XXXX   XXXX   and left the area. There was a bill for {$72.00} outstanding?  Two ot her charges from the clinic where covered.     After contacting Experian and  XXXX  I was told they had sent any letters to me of which I never received. After MANY hours searching I found out the  XXXX ,  XXXX  and Experian HAD T HE WRONG STREET AD DRESS LISTED FOR ME!     I paid the bill and fee with  XXXX  on  XXXX ,  XXXX ,  XXXX  for {$73.00} on the phone with a Check electronically with my  Credit Union.       XXXX   XXXX ,  XXXX  I filed a report  XXXX  with Experian and  XXXX  and having my address corrected and was told by both that this collection would be removed and my  Credit Score  would be CORRECTED. Experian still shows it has DROPPED FROM  XXXX  TO  XXXX  WITH A FAIR RATING?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.

Complaint:
I disputed an account with Experian, the account was reported by XXXX XXXX XXXX for {$840.00}. Experian sent me a result stating that this account was removed from my report, but it was not. I called Experian trying to get answers, the representative was rude and unwilling to help. He insisted that this account was a updated as accurate by XXXX XXXX XXXX. This account listed on report as opened on XX/XX/XXXX, but never reported till XX/XX/XXXX. I want to know if this account was accurately reported and meets the Fair credit reporting Act requirement, then why Experian first concluded it's investigation with a result of removal and then changed it to updated?

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 2020-05-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc.

Complaint:
This complaint is in regards to Carmax on line payment system and the over drafting of {$980.00} on XX/XX/XXXX, from my checking account. This is in addition to {$500.00} draft on XX/XX/XXXX. A total of {$1400.00} in 2 days. My accounts are negative and I will have nsfs from the bank and fees from creditors. THIS WAS PART OF MY MORTGAGE PAYMENT. CAUSING ME A SEVERE HARDSHIP! 
I am a great paying customer. I have never missed a payment nor been late since I originated the loan XX/XX/XXXX. 
I have notified Carmax customer service department over the past year that the on line system began to show a payment request of {$980.00}. They would tell me to over look it and that I could modify the payment on line which, the system would allow me to do so. There was a difference this month ( XXXX ) the on line system would not allow me to make the regular payment nor modify. I cancelled the process and called the Carmax office the next day ( XX/XX/XXXX ) to make the payment required and an additional amount of {$5.00}. During the phone call the representative did not inform me that a {$980.00} payment had already been applied. She took the payment of {$500.00} by phone. I informed her that the on line system requested I pay {$980.00}. I cancelled the on line process. I asked her why the system would not allow me to modify? I received the same answer as usual to " just ignore it. '' I made a requested of the representative to contact the Tech dept and inform them of the on line issue because the problem had gotten worse. Evidentally no one heard me nor cared! 
Again this has caused me to be in a financial strain. I want the {$980.00} reimbursed to me as soon as possible! I am requesting as well, Carmax pay all NSF and other fees that may occur due to their issues. 
They claim I processed the payment of {$980.00} on line. I informed them that I never received an email for confirmation of an on line payment. I would have inform them when I phoned their office.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
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: EQUIFAX, INC.

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1618 section 602 A. States I have the right to privacy.

15 U.S.C 1681 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
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:
I have sent letters to Credit Reporting Agencies XXXX  and Equifax for the following FCRA violations : 1.Pursuant to 15 USC 1681b ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give these credit reporting agencies any written instructions to furnish the following inaccurate accounts.

2.Pursuant to 15 USC 1681a ( 2 ) ( b ) a consumer credit report should not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. They are in violation of the above-named Title and Section.

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation