hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2021-05-31
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:
I am a victim of identity theft, I have contacted the company with a FTC report and a identity theft affidavit. They said that I did not have a police report when I did in fact have a police report. The police report is the FTC report. These accounts aren't mine and should not still be on my report. I am in the process of buying a house for my family and we may be homeless because of these fraud accounts. This is not right. I believe this has to be against the law. Help me and my family remove the accounts. I have attached the FTC report, and Identity theft affidavit, with proof of my identity.

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 2020-06-23
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:
SSN : XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit file. The item Im disputing is XXXX XXXX, accounting XXXX, as reported by XXXX XXXX XXXX. 

This delinquent account record is inaccurate because there was an error through the payment system for XXXX XXXX, my account was on auto pay. I am requesting that the account be corrected to show that it has always been current, with no record of being delinquent. 

I unfortunately have no record but the agent i spoke to on the phone told me that they will report to XXXX, Experian, and XXXX  that this account was never late. 

The late was for a membership fee and not any past debt as you can see my account was always paid on time and always current. 

Please investigate this matter and correct the disputed item as soon as possible. 

Sincerely, 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 2018-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER BANK, NATIONAL ASSOCIATION

Complaint:
I have made a request in the prior complaint for Santander Bank to stop sending me bills and other communications about this account as well as having the nerve to send me promotional materials for a new account. The loan in question was discharged in bankruptcy in XXXX and Santander provided information to the credit bureaus on this account being delinquent up to XX/XX/XXXX. I have even received a letter from their attorney affirming the bankruptcy discharge. Although I sent copies of the pages on my credit report in question ( as per their initial request ) they now want me to send them a full copy of each of my credit reports as proof of an administrative error Santander clearly should be able to resolve on their end without me sending these documents. 

As of this date Santander is STILL sending me letters and have even gone as far as sending me a communication suggesting that I am due a " refund '' for an inspection done on the property in XX/XX/XXXX  four years after the property was discharged in bankruptcy and likely at least a year after it was purchased from the bank by a new buyer. I view this " refund '' as a tactic to rope me back in to being indebted to Santander once they realize that the refund was an error. I have already made it known to Santander that I am not interested in receiving any money from them unless it is ordered by a judge.

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 2022-11-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC.

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
I received an offer from BOA ( access checks ) to help reduce higher interest rates on Credit Credit Balances. I have used this program before along with many other banks and financial companies. 
The offer from BOA was for a 12 month 0 % interest rate with a 4 % transaction fee. In XX/XX/XXXXI deposited a check to myself in the amount of {$14000.00} with a {$560.00} transfer fee. 
Once the transaction was processed I proceeded to pay down other bills incurred with higher interest rates. I continued to make {$1000.00} payments to my account with BOA to reduce the balance and insure I would have paid off the {$14000.00} within the 12-month period. 
Sine I make these payments online it never occurred to me that I was incurring interest each month at a rate of 26.99 %. This threw us for a loop. I immediately called the 800 number to hopefully rectify the problem. They did not nor could not resolve the error. I went to my local branch for assistance. The representative was professional and polite however after contacting the corporate office they advised us that I could not deposit the funds to myself. I could not believe what I was hearing. I explained to them I did not see or read anywhere in the documentation with the offer that was the case. According to them I was exempt for depositing funds directly into my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc

Complaint:
On XX/XX/2023, I purchased a XXXX airline ticket for XXXX. 
When I submitted the transaction, I noticed XXXX charged me XXXX. 
I was unaware of the additional charge of XXXX. XXXX XXXX did not send any written correspondence via email or mail regarding the additional purchase of XXXX. 
Therefore I immediately canceled the transaction. Once I canceled the transaction, I received a refund ( same day ) for XXXX. 

Again, I did not receive a notification from XXXX XXXX regarding a cancelation for the unknown charge of {$69.00}. I only received a pop-up message, " Reservation Canceled Successfully. '' At this point, I am unaware of why XXXX charged me an extra XXXX ( Unauthorize Charge ). I could not figure out why the additional charge. I thought everything was ok since I received a refund the same day. 

A few days later, I checked my Chime Account and noticed XXXX refunded the XXXX for the ticket but not the unknown Unauthorize Charge. Because I canceled the transaction ( same day ), I didn't receive any notification from XXXX regarding the XXXX. I went on the XXXX website and researched what they charge me for a Unauthorize Charge XXXX Membership. 

I will reiterate I didn't receive any written correspondence regarding the XXXX Membership. I tried to cancel the charge, and per their website, I had XXXX hours to cancel. After XXXX hours, I can cancel without a refund, but I won't l receive the membership benefits. 

Since I received a refund for the entire amount, this is misleading to consumers. I will file a complaint with the Department of Transportation on XXXX XXXX. The XXXX is an Unauthorized charge. It is misleading to a consumer to see a credit for the entire purchase ( same day ), and a merchant does not need to provide written correspondence on how the Consumer will receive a refund. I emailed XXXX numerous of times with no resolutions. 

I notified Chime and filed a Dispute. They provided me with provisional credit for a Canceled Membership on XXXX XXXX. After the investigation, they reverse the provisional credit. They allowed me to submit another dispute as an Unauthorized Charge. 

I received a Final Determination email from Chime stating they found no errors, and my dispute is closed. 

I have had no issues with Chime until now. I do not have confidence Unauthorized charges are protected under REG E. As a consumer, I understand the REG E Policy and expect Chime to understand and enforce the Policy on Unauthorize Charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
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:
My complaint is against XXXX XXXX XXXX ( XXXX XXXX XXXX ). 
I have submitted many disputes with Equifax to investigate XXXX who continues to report the wrong information fraudulently on my credit report. 

1- this is a car loan with the first delinquency was in XXXX XXXXXXXX however XXXX keeps reporting this account every month as a charge off with different " 1st delinquency dates '' ( please see attached reports with XXXX showing XXXX XXXX and XX/XX/XXXX as 1st delinquency dates ). XXXX also shows that the last payment I made was in XX/XX/XXXX, but I was serving time in XXXX XXXX since XXXX and no payments were made at all in late XXXX and XXXX. XXXX reports the wrong dates in an attempt to keep the account on the credit report for as long as they could. 

2- XXXX intentionally report their wrong phone numbers or no contact information at all on the credit reports so that no one can reach them. ( please see attachments showing that XXXX have 2 different phone numbers that are not valid and some reports they have no contact information at all or partial address ). 

3- After many attempts trying to reach XXXX financials to discuss this issue, I was informed by XXXX that they do not own this account anymore and that now it's with a collection agency, but yet XXXX continues to claim that this is their account and continues to report my account fraudulently as charge off every month to Equifax XXXX 

4- XXXX fraudulently placed a temp freeze on my credit report account so that it keeps this account on the credit report. ( please see attached file ). 

4- Equifax relies on XXXX to update my account, but Equifax never investigated XXXX to make sure that XXXX is reporting the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.

Complaint:
The beginning of the new year, I reviewed my credit report only to find and erroneous collection effecting my credit. 

Never once did I receive a letter of representation about this collection agency claiming I own XXXX XXXX bank money. 
I never opened a XXXX XXXX account, ever After speaking to my lawyer, he advised me to send a letter of dispute to the reporting collection agency that is reporting negatively on my credit report. 

This evening I received a garbage statement that tells me nothing. Nothing itemized, no contact with my signature, just a piece of computer paper that shows a balance owing This is not validating the debt. I want the original contract showing my signature, purchases, and payments made Again, as I stated earlier in this complaint, I never had a XXXX XXXX  account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$310.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT XXXXXXXX XXXX XXXXXXXX XXXX XXXX ACCT # XXXX opened on XX/XX/XXXX with a balance of {$310.00} -This is not my account.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Noticed after reviewing my credit report on XX/XX/XXXX accounts, addresses, and inquiries that do not belong to me, also XX/XX/XXXX my bank account was compromised for XXXX dollars. I am a victim of identity theft and would like all accounts and addresses removed from my credit report. Accounts listed below, 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX has violated my rights everything must be 100 % accurate. The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active inaccurate and date last reported is not accurate. This is ground for removal they also violated my rights under 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. Also the credit bureaus took more then 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02
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 XXXXXXXX Account # XXXX ; XXXX XXXX XXXXXXXX XXXX  Account # XXXX ; XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX ; XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX ; XXXX XXXX XXXX Company Account XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Account # XXXX ; XXXX XXXX Account # XXXX ; XXXX Account XXXX XXXX ; XXXX XXXXXXXX XXXX Account # XXXX ; has XXXX XXXX XXXX XXXX 

15 U.S.C 1681 section 602 A. States that 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 2023-06-08
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2016-11-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC.

Complaint:
Any accounts I 've had with XXXX were paid in full and closed was prior to XXXX from Georgia. I do not owe this debt. I have disputed this account numerous times and each time it has been removed, it is then added again by another one of these " companies '' likely to negatively impact my credit score. Which should be illegal. Furthermore, I am in the process of disputing this account with another collection agency who is reporting the exact same thing in another one of my credit profiles ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.

Complaint:
On XX/XX/22 at XXXX XXXX, I went to deposit {$2600.00} ( all {$100.00} bills ) in cash at the Chase ATM at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX location, ATM term ID - XXXX. The ATM spit back a {$100.00} bill saying it cant read it. I got distracted by that and walked away - so I didnt click any other buttons to deposit it fully. Called Chase the next day, admitted my stupidity, and they said they see an attempted deposit on their end and credited the money back to me. Now, a month later, theyre trying to say the ATM didnt have an extra {$2500.00} in it and theyre taking the money back. I asked them to review the cameras to see I was there depositing the money, with my mom right next to me, because theyre saying the ATM didnt spit the money back out. They said the person after me couldnt have gotten it. They dont review video as part of their investigation??? And I cant review the video without a subpoena from an attorney. So now {$2500.00} has gone missing, the ATM didnt have it, and the person after me couldnt have gotten it.

Company response to consumer: Closed with monetary relief
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 — Account status incorrect
Company: EQUIFAX, INC.

Complaint:
XXXX XXXX XXXX, is not stating that monthly payments are being paid. I negotiated debt, and my balance is showing incorrect amount I owe and not being paid. I have statement/bill which, shows new amount owed and being paid. 
The original creditor was XXXX XXXX Bank I can upload statement. 
XXXX is balance owed, not close to XXXX. 
XXXX XXXX refuses to make changes on credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.

Complaint:
My name is XXXX and I attended XXXX XXXX 9 years ago and now left in over XXXX in federal loan debt. The school closed down after finishing my program and I never received my diploma nor work in that related field. The school was a nightmare. I also qualified for the borrowers defense application that remains pending in the supreme courts along with thousands of other students in my position.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.

Complaint:
Citibank Closed my credit card and I disputed it without any valid reasons. My husband joined a XXXX XXXX XXXX to help him and they chose to cancel anyway. I disputed for 2 years. I gave up and then Citibank sent my account into collection with a company called XXXX XXXX XXXX XXXX acct # XXXX at XXXX XXXX XXXX TX XXXX. 
I have been paying my Citibank CC that is closed with auto payment from my Citibank Checking account I have had for 19 years. I have never missed a payment nor been late they have been pulling the payments out each month. Citibank reported that I did not make my payments in XX/XX/XXXX & XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They then reported my account as a charge off since they have been reporting my account was not paid. The result of these late reporting, failure to pay and charge offs have caused my credit report score to reduce by over 100 pts. 
I contacted Citibank, XXXX XXXX by phone, mail and fax numerous times. 
I contacted XXXX XXXX as Citibank would not speak with me to get a resolution. I asked about settlement because I wanted to purchase a home. XXXX XXXX failed to tell me if I did that it would impact my credit report negatively. I made a {$830.00} payment directly to XXXX XXXX  and still continued my monthly payment. I contacted my real estate agent to get advise about what XXXX XXXX told me and she advised me not to do so I contacted XXXX same day and told him I did not want to settle that I would continue making payments. He said okay no problem but advised me incorrectly and said there was nothing he could do. 
Citibank sent me this letter I will attach on XX/XX/XXXX stating information I sent was wrong. The payment history from my bank account I will attach.

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