hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-11-11
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:
It appears that 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 the 3 credit bureaus 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 remove these files. XXXX XXXX XXXXXXXX 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 XXXXXXXX, MO XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; If the 3 credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the 3 credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.

Complaint:
After extended unemployment, we experienced a XXXX foreclosure on our home. It went to auction and sold for enough to pay off all loans and liens. Chase Bank, who had our 2nd loan for {$69000.00}, then charged off their loan in XXXX despite it having been paid off and closed previously in XXXX. Chase called near the end of XXXX to collect on a figure that wasn't even part of any paperwork I had seen ( saying we still owed {$0.00} on the loan ). I thought I had rectified the issue, but I come to find out that they charged off the loan in XXXX when in appeared on my credit report. I called to correct the issue and on 3 different occasions was told different amounts that were owed ( ranging from {$750.00} to the original amount to being told it was verified as paid off ) As of XX/XX/XXXX I have passed along all of the documentation from the county including the check that was sent to Chase and their legal team but can not get a timely resolution to the issue and I need to purchase a new vehicle. I am currently considered an unreliable loan applicant due to this " charge off '' strike on my credit report. I just need to get this issue resolved once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.

Complaint:
I applied on XX/XX/XXXX, application id XXXX for a checking bonus of XXXX. I met the conditions of XXXX direct deposit but they won't pay out because they're saying the bonus I signed up for had to be opened online ( which I applied for but don't have promo code saved ) or opened in grocery store. Of course there is no such condition in any of their previous or current bonus offers. I'd like proof that this offer I signed up for in XX/XX/XXXX is different. This bank has a history of not paying out bonus. It seems like fraudulent marketing to me. I'd like my XXXX bonus please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to inaccurate reporting in a collection account that does not have any information in the creditor there for impossible for me to verified the validity of this account, this inaccuracy reporting should be removed immediately, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please XXXX XXXX XXXX XXXX, GA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Collection account ( {$460.00} ) XXXX Unverified Account XXXX XXXX XXXX XXXX Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A.

Complaint:
I received a call from XXXX on Monday XXXX/XXXX/15 at XXXX, it 's a recorded message telling you this is in regards to a sensitive matter, please press XXXX. 
I pressed XXXX and got someone on the phone when I advised them that I was pressing the number XXXX he put me on hold and came back and advised they must have missed dialed and hung up. 
Then : I received a call from XXXX XXXX of XXXX on Friday XXXX/XXXX/15 at XXXX. 
He proceeded to tell me that he was representing his customer and that he has legal rights to advise me that I owe a debt to Sears for {$850.00}. He claims I opened this account in 2005. 
I did not open this account and told him so but he kept on talking, so I asked him to send me any documents via mail and he refused.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
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 — Their investigation did not fix an error on your report
Company: EGL US, LLC

Complaint:
BMG MONEY REPORTING WRONG BALANCE ON MY CREDIT REPORT, BALNACE IS NOT XXXX TRIED NUMEROUS TIMES TO GET THIS MATTER RESOLVE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.

Complaint:
On XX/XX/XXXX my identity was stolen ( wallet, phone and XXXX  watch ) - the people who have stolen my identity have opened lines of credit, withdrew {$6200.00} from my bank account from a teller ( XX/XX/XXXX ), cashed checks in my name ( XXXX and XXXX on XXXX XXXX ), filing inquiries, using my ID to rent cars from XXXX and other rental companies and stealing the cars. They recently got in a car accident and provided fake identification ( which was my name and information ). I was notified from the persons insurance company who was hit in the accident. A police report is on file with detective XXXX XXXX XXXX I have still yet to be refunded by Chase bank and have little to no updates on refunds. 

XXXX XXXX Case Number XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL

Complaint:
I received a promo offer for 5 X points for charges on my Care Credit account through XX/XX/20. I used my card at a network dental provider, but did not receive the promo offer. I have sent multiple messages, and called Synchrony Bank, up to and including sending pictures of the actual promo received. They are stating that it was a XXXX offer, and it is very clear to me that they are not even referencing the promo I received. I have the promo card offer there are no dates other than charges thru XX/XX/20. I received 2 X points, but not the 5 points offered on the mailer. Very deceptive and misleading advertising. I have had multiple issues with this bank and the integrity of their promo offers.

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 2020-07-28
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: CITIBANK, N.A.

Complaint:
I am reaching out to you regarding a theft of a credit card and multiple thousands of dollars of fraudulent charges that were made due to that theft. InXX/XX/XXXX I had to terminate my assistants employment due to finding her stealing from me on my security cameras, come to find out one of the items that was stolen from me was my AT & T Universal Citibank Credit Card along with my XXXX XXXX and XXXX cards. For over a year and a half I have been attempting to get the fraudulent charges along with interest accrued reversed, as anyone can see with my spending history, that these charges were not made by me. Im highly disappointed and very frustrated with how Citibank has handled this as XXXX and XXXX immediately credited back the charges, realizing they were fraudulent. Citibank has passed me around most recently speaking with XXXX, XXXX and XXXX from their security department saying that the case is denied due to the fact I had authorized my assistant to use my card. When I did authorize her to us my card it was right after I had XXXX XXXX as well as XXXX XXXX resulting in a XX/XX/XXXXso I was unable to leave the house for my medication so at the time and only that time I did ask her to pick up my medicine. However, as I mentioned before when she was terminated she STOLE several credit cards and used them WITHOUT my permission causing these charges to be accrued. I was advised by XXXX in Citi Banks security department to contact Citibanks specialty team department as they take the time to truly research fraudulent charges. About 4 months ago I sent a written letter to them with all the documentation highlighting the charges and explaining my case and I have yet to hear back from anyone. Im anxious to get this account settled as the charges as well as the interest accrued has added up to roughly {$15000.00}. I have continued to make payments on the card as I did not want this situation to effect my credit score, after a year and a half of no answers I am hopeful you will be able to help me settle this. I am attaching the statements including fraudulent charges. I also have emailed XXXX XXXX and XXXX XXXX ( both CEOS of Citibank ) with no response so again Im hopeful you are able to help me.

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 2018-10-24
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc.

Complaint:
On XX/XX/XXXX XXXX a crime was committed inside my apartment at XXXX XXXX XXXX XXXX XXXX. Through court order for the safety of me and my baby the judge granted that the lease can be broken. I security deposit totally XXXX was given to XXXX on XX/XX/2014. Rent was XXXX enough to cover 2 months rent. XXXX XXXX maintence men enter my apartment while i was at work robbing me for many of my personal belongings. Not only i was physically abused prior i had to experience getting unlawful eviction through XXXX XXXX .. On XX/XX/2014 My babsitter called me at work because she was taking my son to the park stating the locks was changed and she is locked out. I to call locksmith upon getting in the maintence men had tstole all of my electronics computers, personal items, shoes etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Opportunity Financial, LLC

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to zero or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY

Complaint:
I have setup automatic payments with American Express for several months. I do this in order to 1 ) pay off the full balance my credit card every month and 2 ) avoid interest charges. 

For my statement ending on XXXX, my automatic payment of {$6200.00} was processed via auto pay XXXX. I was under the impression that this would prevent me from being charged interest afterward. However, I was assessed an interest charge of {$280.00} on XX/XX/XXXX. 

I called American Express to try to fix this issue and they were of no help. They essentially told me they can not guarantee interest will not be charged after an autopay is made. 

This practice does not seem fair to me as a consumer. If paying off the full balance by the due date does not prevent interest charges, what does?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-01
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 and inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX  XXXX XXXX XXXX has violated my rights In additions listed on my credit report are inquiries that I didn't authorize Credit Plus factual date XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX factual date XXXX XXXX XXXX XXXX factual date XXXX XXXX factual date XXXX XXXXXXXX XXXX  factual date XXXX 15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.

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 2018-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.

Complaint:
I looked at my credit report and saw that i had 2 payments more than 30 days late from citi. I called citi and asked them if thats true and they said no. I disputed the delinquencies with XXXX  and when i get the results, citi is saying its accurate which its not. I tried calling citi to dispute the findings but they have absolutely terrible customer service and couldnt get a straight answer, i was on the phone with them for over answer, i kept getting transferred and nothing got resolved

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
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 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 three 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2020-11-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Hi this debt is fraud - Ive already disputed and it was deleted due to fraud. The company XXXX collection was sold the debt from credence while credence knew the debt was flagged as fraud and deleted attached is the correspondence.

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 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Hello, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, there are two companies that I have sent letters for 5 times with no answer at all. I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint:
XXXX XXXX XXXX XXXX XXXX balance {$14000.00} XXXX XXXX XXXX Balance {$18000.00} XXXX XXXX XXXX XXXX XXXX balance {$20000.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX balance {$5700.00} XXXX XXXX XXXX XXXX balance {$64000.00} XXXX XXXX XXXX XXXX XXXX XXXX balance {$2300.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with explanation